Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX  - Several years ago I was a victim of ID Theft and Fraud, it went on from XX/XX/XXXX until I believe the Detective said everything died down in XX/XX/XXXX! 
Because I am profoundly deaf and uses XXXX XXXX to communication ( via XXXX ). I tried to tell all three credit cards from XXXX XXXX and XXXX ( XXXX originally was a XXXX but XXXX bought XXXX out ) that I did not have online access ( due to my grandson severely damaging the PC Tower and I had to rebuild it, but multiple surgeries delayed me from being online ). 
No one understands WHY XXXX Bank wouldn't acknowledge the fraud. The Sergeant from the XXXX XXXX Department got on the phone with them and told them to close the accounts off, she's a victim of ID theft and fraud! They hung up on him. 
This part here is very confusing : I've been with XXXX XXXX and XXXX since XXXX. I owned Stocks with them, I've had both commercial and private accounts for years. 
I was in the process of paying off the XXXX ( credit - {$500.00} ) which only had a small balance. That was paid off. 
The other XXXX XXXX XXXX ( XXXX for {$1200.00} and the other was {$1500.00} ), the balances on {$1200.00} was {$650.00} and the balance on the {$1500.00} was {$760.00} ( rounded off ). 
Then more fraud occurred, this is where it gets pretty confusing. XXXX XXXX XXXX was calling me on my landline phone, I tried to tell them I was deaf and I would call them back via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. But I couldn't get through. 
I had to resort to calling the Sheriff 's Office, because XXXX suddenly just closed all my credit cards without any explanation. 
This time the Sergeant returned along with the Detective and SPOKE directly with the Fraud Department. Apparently it has something to do with " XXXX '' (??? ) but the Fraud Department wouldn't disclose anything to the Sheriff 's Office. I mean seriously? If there's a crime, we are trying to deal with it! The Sergeant asked me if I sent them the report ( Police ) and I said I did. Then he asked them if they got it. ( No response or reply. ) He asked them XXXX more times ( No response or reply. ) Then the Detective took the Sergeant 's phone and began demanding what happened? The account was reported as fraud. You keep talking about XXXX, and purchases made afterwards. What are the items? 
( pauses ) Well, the Fraud Department then blasted back and said I had spent over {$11000.00} worth of XXXX XXXX XXXX Well, right there the Sergeant knew they were lying ( because he knows I am a retired XXXXXXXX XXXX XXXX and a retired Tier XXXX, Rank XXXX, Section XXXX XXXX  XXXX - XXXX  ). He then told them " Tell me what they are and I will go into her house and get them, and they will be in our possession and I will arrest her right here! '' ( I was okay with that because I HATE XXXX  ) There were XXXX guys talking ( all in Fraud Department )- it was hard to tell if the phone was on a speaker phone or what, but they confirmed XXXX guys were on the line. 
This other guy, he then blasted that " I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The Sergeant said " Really? '' ( Because I am not XXXX, I am an XXXX XXXX XXXX  no where near being XXXX- which was very XXXX. The line 's recorded as it was coming from a Law Enforcement 's Device. ) He then demanded to know " How was she ( me ) bilking elderly people? '' The Fraud Team both were talking all at once, how they saw an elderly woman making a deposit to her checking account every month. Sergeant - " SO? '' ( My mom then tells him that she deposits $ XXXX to my sister 's and my accounts every month from our late father, her husband 's trust. ) Then he got pretty angry and said " So what if her mother is depositing {$1000.00} a month, it's not fraud! '' Then the Fraud Department changed the subject and said " Her checking account is immediately closed. She's no longer a XXXX XXXX. '' ( CLICK ) What the XXXX? XXXX is now XXXX  XXXX? And then slams my credit card with balances that aren't even mine! 
For some odd reason as soon as the Fraud was originally reported and again on the secondary, which that report ( Police ) was sent to them ... after XXXX XXXX team shuts my checking account down! 
Is this how XXXX treats their long time customers? Never once did they even stop the fraud before it got worse. I guess the hacker / fraudster had a field day with my credit cards because XXXX XXXX never stopped it! 
I paid the balances owed since I couldn't use the credit cards anymore - so the balance I owed them have already been paid! All the other balances that XXXX is claiming are XXXX! They are NOT MINE! I will NOT pay for something that isn't mine!

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