Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
How can this go unchanged? XXXX is unable to provide any evidence or explanation of this being my charge. I did not request for a balance transfer nor was the balance transfer check written to me or endorsed by me. 
Details of Complaint referenced closed account ( the " Account '' ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) not only failure to abide by its obligation to its customer, but its affirmative actions that have caused additional damages to me to. The Account was closed due to fraud in XXXXXXXX XXXX XXXX and there was no balance owed on that account on the date of the closure ; I learned of unauthorized activity on the Account, despite it being closed, and contacted the XXXX and was informed that a check was cashed in the amount of {$10000.00}. The XXXX attributed this check to me despite the Account being closed, never requesting any such check ( s ), no record of the check being sent to any address associated with me ; the check appears to have been for the benefit of another, and I reported this transaction as fraud ; Despite my timely reporting, the XXXX delayed any action and continued to send me bills alleging I owed the money I never received regarding the check I never questioned which was issued on the Account closed for fraud ( I made the minimum payments to avoid my credit being negatively affected until the XXXX realized that I was not involved in the transaction ) ; Given the check was purportedly used at XXXX, I contacted XXXXXXXX XXXX  who explained that the check was rejected by XXXX ; After reporting all of this to the XXXX I was asked for more information, which I provided ; In XXXX of 2023 the XXXX attempted to conduct an ACH transfer of {$3900.00} from my bank account at XXXXXXXX XXXX even though the Account had been closed and no notice was provided to me ( XXXX XXXX was able to void this transfer on behalf of its customer ) ; Approximately three months later, I received an unsigned letter on XX/XX/2023 stating that they were rejecting the obvious fraud because " The check has been cashed and appears to have been endorsed by you. '' The XXXX provided a copy of the check which is not endorsed by me or anyone else ; The account number written on the check has an additional number and does not reference me ; I now receive XXXX to XXXX calls per day from the XXXX asking for payment on the fraudulent check ; and XXXX XXXX has provided information to credit reporting authorities that has detrimentally affected my XXXX XXXX. Respectfully, I demand that the XXXX correct this mistake immediately by acknowledging the fraud and the fact that I do not owe any balance on the Account. The XXXX should credit me in the amount of the minimum payments Ive made given the payments were made on money I do not owe. Further, that correct information is provided to the appropriate credit rating agencies to correct the harm done to my credit score.Since the XXXX  has not correct its mistakes, I have reserved the right to bring any available legal action as well as provided this information to the North Carolina Attorney General and the XXXX XXXX XXXX Due to XXXXXXXX XXXX XXXX  and credit card services residing in South Dakota, company does not offer physical address. I have filed complaints with the credit reporting agencies as well.

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