Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I travel to XXXX and was staying at the XXXX XXXX  once off of my plane I was invited to tour the XXXX XXXX XXXX  for free gifts and a free four nights stay. 
Once we, my husband got to the tour, our IDs were taken for the tour and a credit card was used for the tour deposit which we were advised. We will get back at the end of our tour. They never once advised that this was a timeshare presentation After arriving at XXXX XXXX, we were not released until about XXXX XXXX  being killed against our will for a debit card I was told that because I went to the tour of the resort that they signed me up for a timeshare. I became disgruntled and advised them that I never signed up for a timeshare, and I was told that this was a tour for a resort. XXXX, later found to be Realtor, sir- XXXX XXXX initially advised he was just a tour guider, but later comes to find out he was a real estate agent. He searched me. He searched my husband and would not allow us to leave with or give our ID back until we came back with a major debit card or credit card stated it was needed to cancel the times that he thought we. Wanted I left the XXXX XXXX XXXX  after being searched, and after my rental car was searched XXXX stated the reason that he needed to search my car was to make sure that I was not being dishonest that I did not have a debit card on me because he was not supposed to let anyone leave without completion of the tour. Fast forward to me returning back about two hours later with a debit card to use for the cancellation as advised I was handed a huge satchel that is navy blue and I was informed that inside that satchel was a tour guide book of XXXX and all the free gifts that we won Once I got back to my hotel and I begin going through the gifts I seen a packet that stated real estate documents. when I looked at the real estate documents inside, I seen that they took my signature off of the form where I signed for the tour and added it on two forms. And then everything else had electronic signatures on. It stated that I signed it at XXXX however, I have text messages to prove that my spouse and I are not even at the XXXX  between XXXX XXXX  and XXXX XXXX  on XX/XX/XXXX of XXXX. In the text messages, the agent is asking us to return impressing us to come back or we would not get our IDs to board our flight the next morning to go back home. I let him know that I noticed that my name is on documents that I did not sign. He stated thats because when I came to the tour of the resort they were under the impression that I wanted to sign up for a timeshare so when they took my ID and my card at the beginning of the tour, they had automatically signed me up and that if I wanted to cancel, I had to wait till the next morning, make sure Valid card is on foul at all times until cancellation is fully processed and all funds will be refunded back to my original payment method Per cancellation notice. I turned the notice to cancel the timeshare as it buys the next morning to XXXX at XXXX XXXX XXXX. He gave me a copy of it and I turned this on XX/XX/XXXX of XXXX. I proceeded to catch my flight back home and had to keep calling every single day because I didnt see that this had been canceled yet, and I just kept being advised to keep a valid card on file and that the cancellation was processing. 
Months later this is never canceled and I kept getting Calls advising that I needed to put a new card on file or they were not going to cancel my timeshare and I told them that the timeshare cancellation noticed states that it only should take 20 to 30 days. They advised that they were processing a lot of cancellations and that their department was still working on mine so I updated my card. yeah, every time I kept calling to check the status they were just advise me a cancellation is still processing until about XXXX. They advised me that they can no longer process my notice of cancellation because they process it too late in the cooling period had expired however my form was fraudulently opened in my name, this is compliant with the cooling period. XXXX XXXX XXXX  kept rerouting my calls all around to avoid canceling my timeshare in a timely matter, even though I turned in the form as advised one day after this fraudulent timeshare was open, and I was informed that it was being canceled. They gave me a copy of my cancellation notice back, and I have text messages from XXXX showing that the timestamp stating that I signed for this timeshare is fraudulent as well because theres text messages showing that I was not even in the location and they were asking me to come back.

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