Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had a credit card account fraudulently opened by my mother through XXXX XXXX XXXX on XX/XX/year>, using my personal information and addresses, which she clearly has access to and attachment with. She not only opened an account, she also immediately drew over the credit limit amount of {$300.00} for use of {$370.00}. XXXX XXXXXXXX XXXX continuously denied my investigation over several months and claimed quickly that after investigation this account was deemed to be opened legitimately. During phone calls, they would make claims that accounts could be opened under my name by family members which I immediately disputed them on and they would walk back, and also claimed that " we wouldn't want to get anyone in trouble. '' They took my through several processes, including reporting this to my local authorities as well as submitting a claim on the government 's identity theft reports, both of which I did. After several attempts and reopened and reclosed investigations, I continued this effort with Experian. After the initial investigation, I was told to call and provide more personal information. I attempted several times to call, on the XXXX of XXXX, on the XXXX of XXXX several times, and was put in one hour holds waiting for transfers to departments, and the calls were either disconnected randomly or a person would get on with bad service and then would hangup with no call back. I would check my cell service during the call which was full bars and then would make a call after just to confirm it wasn't my line. I have now received communication that the Experian investigation is now closed and has not resolved this account or claimed it as a clear identity theft situation. The balance of this account is now delinquent still with a balance up to {$510.00}, none of which any charges I have had anything to do with. I can provide any and all information about the phone numbers and addresses used to open these accounts, and could even take a guess into where the money from that card has been spent, both of which I have clear indication these accounts were in no way approved or opened by me. I have been continually denied on this investigation, after going through all proper steps, reporting to credit bureaus, freezing credit, reporting to the company, submitting more than one report to the FTC Identity Theft department and submitting a report to my local authorities at the XXXX Police Department. I am lost on what steps to take to have this removed from my credit report as I did not open this account, and all previous information, including messages from my mother on the day the account was opened, as well as previous incidents of identity theft and credit card fraud from my mother, not just to myself, but other family members 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