Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
There are also some inquiries on my account that do not belong to me. I've contacted the bank directly. They agree that the inquiries were made fraudulently and should not be listed on my credit report, but they say it's up to the credit reporting agency to remove them feel free to call the Bank if you're uncertain. I would like all of these removed as soon as possible. last time I asked you to remove these you didn't remove them. I'm pretty sure you never bothered to contact the bank. I want these removed. If you can't remove them I'm gon na look into legal action and file more complaints. 



XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  {$10000.00} The bank claims they have a XXXX fraud liability, but they don't seem to be honoring it. The entire balance is fraudulent. I reported it I get everything they asked me to do, but they still leaving the balance on the card with no real explanation as to why they are fraudulent unauthorized transactions on this card that are not being investigated XXXX it says the card is closed, but it's not it's still open and active XXXX XXXX that account is also open and active. I'm not quite sure where you're getting your information from. 

XXXX XXXX XXXX {$650.00}. It says the account is closed and that it was late, but I was only an authorized user. And I have not been authorized for quite a while. I was removed from the credit card months and months ago so why is this showing up on my credit report? It's not my card and I'm not even a customer anymore. It belongs to somebody else. Please remove it as soon as possible. Those were fraudulent charges anyway. 

There are multiple discrepancies on my credit report that I would like to have investigated and remove as soon as possible. 

XXXX XXXX XXXX I am no longer an authorized user on this account. Please remove all of my information. And remove the account as I am not the responsible party. 

XXXX XXXX XXXX XXXX  they never removed the unauthorized charges. Fraudulent charges were made on the account. And the fraudulent charges were never removed. This account should have a XXXX balance and I have never been late. Please update the records. 

XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX. XXXX XXXX XXXX  they never removed the unauthorized charges. Fraudulent charges were made on the account. And the fraudulent charges were never removed. This account should have a XXXX balance and I have never been late. Please update the records. 

XXXXXXXX XXXX XXXX they never removed the unauthorized charges. Fraudulent charges were made on the account. And the fraudulent charges were never removed. This account should have a XXXX balance and I have never been late. Please update the records. 


There are only XXXX names that I go by. Any variation from that was submitted along with fraudulent application applications at the time. Please remove any other names except for these XXXX. 

XXXX XXXX XXXX XXXX For the past 32 years I have lived in the same location XXXX XXXX XXXX XXXX XXXX MI XXXX. All other addresses that have been reported to you. Were reported by people attempting to open fraudulent accounts. The banks are already aware of this. They know that's not my address. And they don't have a record of it anymore. They tell me that the credit union should be removing these fraudulent addresses. But for some reason, some of you are not call the bank. They will confirm that I'm telling the truth

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