Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
About three months ago, I noticed that a XXXX XXXX XXXX account showed up on my Experian credit report for which I have no knowledge. I noticed this, because the account showed a late payment in XX/XX/year>. Upon further review of this account, it showed I was a joint account holder for someone I do not know. 

After making this discovery, I called XXXX 's on XXXX separate occasions over the past three months to make a complaint and try to resolve the matter. Each time, the representative I spoke to researched the matter, asked me several questions, and then concluded the account was not mine. In fact, no XXXX 's representative could even find an active account under my name ; the only way they found reference to the account I was disputing was by running a report of what they had reported to Experian under by name. It was only then they realized they had reported this account fasley under my name to Experian. 

Every representative told me they were making a notation in my file, and that within 30 days I should receive a letter from XXXX XXXX, stating the matter had been resolved. They also told me that XXXX 's would inform Experian, and that the account would be removed from my credit report. 

However, this did not happen. Upon realizing that the account still appeared on my credit report, I would call back XXXX 's explain the entry was still present. The representative would then research the matter again with me on the phone, and the make the same conclusion - that the account was not mine, and that XXXX 's would inform Experian. 

As mentioned, I went through this exercise three times. Finally, after realizing that my efforts were futile, I made a complaint with Experian. Experian opened an investigation, and after almost thirty days, closed the investigation, citing that XXXX XXXX had indicated the information was accurate, and that it would remain on my credit report. 

After learning this, I called XXXX 's back and spoke to another representative to request information about why they reported the information was inaccurate. This represenative could not answer my question, and would only say that she could not find any information about the account I was referencing. I asked to be transfered to the Fraud department, but the representative refused to transfer me. 

I then researched how to send complaints about credit matters to XXXX 's in writing, and I was able to find an email address : XXXX. On XX/XX/XXXX, I sent an email to this address, outlining the same complaint that I have in this complaint. I did not recieve a response, so I then resent the same email on XX/XX/year>, and I have still not received a response. 

To sum, XXXX XXXX is reporting to Experian that a XXXX XXXX XXXX account is mine, when it is not. I did not open this account, I do not charge to this account, and I do not know the name of the joint account holder. I have tried my very best to resolve this matter with the creditor directly, and with Experian, to no avail. This is my last ditch effort before resorting to legal action. 

Thank you.

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