Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On or about XX/XX/XXXX a XXXX account was opened in my name. This account was closed on or about XX/XX/XXXX. This account is fraud and identity theft. I did not open this account and I did not authorize any other party to open this account in my name. This account was reported on my credit reports on or about XXXX of XXXX XXXX year later. I discovered this fraudulent account in my name after applying for a mortgage loan at which time it appeared as a charge off account. Upon attempting to get information on this account from XXXX as I was not able to open the account information through the credit bureaus as it was reported as a charge off, XXXX refused to give me any information as they could not verify my identity as per the information on account in comparison to my personal identifiers. I filed a dispute with XXXX and the XXXX and was contacted by a rep in the consumer relations department who advised that she had investigated the account and they determined that the account was valid and verified. The address on this account is reported as XXXX XXXX XXXX XXXX, VA XXXX. This address is one of the XXXX XXXX located in XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX. In as much as XXXX has alleged this account is mine and I am responsible for this I am not. Because XXXX did not want to take the time to investigate this account and the validity of this account I took on this task myself and did their job for them. On XX/XX/XXXX I reached out this XXXX location and spoke with and employee by the name of XXXX. XXXX advised me that they have no association or affiliation with XXXX and it was not possible that I could have had an account in my name at that location because I would not have been able to receive goods, services or bills there as I have no affiliation with this store. On XX/XX/XXXX I reached out again to the store and spoke with XXXX the store manager who also advised that they have no affiliation with XXXX. They do have mailboxes but there are no records of any such mailbox in my name from XXXX to present. This account fraudulent and one of identity theft and is damaging my credit and is in violation of the FCRA. XXXX has never taken the time to properly investigate this account to determine the validity of the account or verify the information to accurate. I have consulted with a consumer attorney and am in possession of a retainer agreement and have agreed to allow him to represent me and have this and other matters to the federal court at which time I will seek damages and an order to remove this account from my name and my credit reports. This is my last effort to have the account removed from my name by XXXX and my credit reports updated to reflect this removal or I will have no other alternative but to have this heard in the federal courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation