Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I have been a XXXX XXXX XXXXXXXX customer for XXXX  years with an authorized checking account and an exceptional payment history with my XXXX XXXX XXXXXXXX mortgage. 

On or about XX/XX/XXXX, I learned for the very first time, via Experian that I have been a victim of identity fraud associated with the following fraudulent credit cards and checking account : Fraudulent XXXX XXXX  XXXX Credit card ending : XXXX Claim number XXXX Amount : {$3600.00} Fraudulent XXXX XXXXXXXX XXXX Credit card ending : XXXX Claim number : XXXX Amount : {$11000.00} Fraudulent XXXX XXXXXXXX XXXX checking account : XXXX XXXX XXXX I have never resided at, occupied, utilized, or otherwise used the following addresses and phone numbers. 
the address located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; the address located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX ; XXXX ; On or about XX/XX/XXXX, I called XXXX XXXX XXXXXXXX to inform them about the inappropriate use of my identity to open XXXX credit cards, but there was no history that they could identify. I received XXXX case numbers from a XXXX XXXX XXXXXXXX representative XXXX from XXXX  and that they will seek to remove it from my credit report : XXXX ( overdue balance of {$11000.00} ). 
XXXX ( overdue balance of {$3600.00} ). 

On or about XX/XX/XXXX, I spoke with another Bank XXXX XXXX rep and used the fraudulent phone number ( XXXX ) on file to locate these fraudulent accounts and thats when she filed the claim. 

On the fraudulent credit card, between XX/XX/XXXX, XXXX XXXX XXXX, the fraudster was in New York XXXX Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX and XXXX XXXX XXXX CA. I cant possibly be in XXXX places at once. 

On the fraudulent credit card, between XX/XX/XXXX XXXX XXXX, XXXX, the fraudster was in XXXX. Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in New York XXXX XXXX Again, I cant possibly be in XXXX places at once. 

It is not a best practice to open credit cards while getting a mortgage : I received my Bank XXXX XXXX mortgage in New York XXXX on XXXX XXXX, XXXX and I was moving on XX/XX/XXXX. I rented a Uhaul on my Chase credit card on XX/XX/XXXX in New York XXXX, as stated in my Chase credit card statement. So there's no way that I can be in California opening XXXX fraudulent Bank XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 

I am not the XXXX XXXX that received statements or made payments at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and/or XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

Bank XXXX XXXX sent me credit card statements and checking account statements where the account ending does not align with the claim numbers.

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