Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
XX/XX/XXXX : XXXX notified me of a credit inquiry. 
XX/XX/XXXX : XXXX notified me of XXXX accounts opened. 
XX/XX/XXXX : I placed a freeze on my credit via Experian phone call. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit Card Called on XX/XX/XXXX, they closed the account on XX/XX/XXXX. 
Removed from my credit report the same day. Credit inquiry for this account remains on my credit report. 
XXXXXXXX XXXX : XXXX XXXX Credit Card. Account number ( ending in XXXX ). I DO NOT HAVE ACCOUNT INFORMATION BECAUSE I DID NOT OPEN THE ACCOUNT. A CARD WAS NOT MAILED TO ME BECAUSE I DID NOT OPEN THE ACCOUNT. I HAVE THE LAST FOUR DIGITS AS PROVIDED TO ME BY XXXX IN PAPER CORRESPONDENCE. 

Called on XX/XX/XXXX, TOLD ME they closed the account. They did not. I called again on XX/XX/XXXX. TOLD ME they closed the account. They did not. 
XX/XX/XXXX : XXXX XXXX credit limit reached, notified via Experian. 
XX/XX/XXXX : FICO score decreased as a direct result of the above. XX/XX/XXXX : Opened dispute on XXXX XXXX account via Experian. 
XX/XX/XXXX : Dispute results ready vai Experian : XXXX XXXX XXXX account reporting is accurate and in compliance. Account was not closed. Dispute report number : XXXX. 
XX/XX/XXXX : Ran info against dark web via Experian, my data was discovered in 10 different areas on dark web, including my social security number, address, name, dob, etc. 
XX/XX/XXXX : Opened an Inquiry Dispute against Synchrony and XXXX XX/XX/XXXX : Opened an account dispute against XXXX XXXX XX/XX/XXXX : Fraud Alert placed on Credit Report XX/XX/XXXX : Fraud report filed with the FTC XX/XX/XXXX : XXXX sends me paper correspondence that a fraud alert has been placed on all credit reporting accounts. Federal addendum added to my credit report proving via information provided to the FTC that my identity had been stolen in a data breech. 
XX/XX/XXXX : Faxed fraud report and personal statement to XXXX and Experian XX/XX/XXXX : Dispute results are ready via Experian ; insufficient evidence to prove the account is not mine. Report number : XXXX. ID : XXXX. 
XX/XX/XXXX : Receive three letters from XXXX in the mail telling me the account is open, accurately reported, and in compliance. Verbatim : We recently received your dispute about information we have provided to the consumer reporting agencies. We have completed our investigation and confirmed that your account information is being reported accurately. While we believe your information is accurate, we acknowledge your dispute and have added a notice to the consumer reporting agencies that you are disputing this information. 
Fraud department at XXXX. ( This is the number I have called both times. ) XX/XX/XXXX : Reopen my dispute. Report number : XXXX AND XXXX XX/XX/XXXX : Dispute results : inconclusive/pending. Report number : XXXX. 
XX/XX/XXXX : I sent copies of my Social Security Card, ID, proof of insurance, XXXX XXXX, pay stubs to Experian XXXX XXXX XX/XX/XXXX : Dispute results are ready ; XXXX XXXX account remains on my credit report and remains open. No correspondence from Experian or XXXX to elaborate on their findings. Report number : XXXX ID : XXXX AND XXXX ID : XXXX. 
XX/XX/XXXX : Called XXXX who told me I would receive written confirmation within 7-10 days of the call, also which would be forwarded to Experian, that proves the account has been closed as it is fraudulent. As of XX/XX/XXXX, I have received nothing. 
XX/XX/year>, Experian once again closed my dispute, stating the account is being reported accurately. It remains on my credit report. 

Fraud alert on credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.

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