Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am writing to formally dispute the fraudulent reporting of the XXXX XXXX XXXX XXXX XXXX account ending in XXXX, and XXXX which has been incorrectly listed on my personal credit file. I have never applied for this account, nor did I agree to be personally liable for it. This matter has caused significant damage to my credit, and I believe it constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), and other consumer protection laws. 

Summary of Key Points : Authorized XXXX Status Not Personal Liability : XXXX has stated that I was listed as an authorized XXXX of the company for this account. However, this designation does not equate to personal liability unless a personal guarantee was signed. I have never signed such an agreement or accepted personal responsibility for this debt. Simply being listed as an " authorized XXXX '' does not impose personal liability, and XXXX has failed to provide any signed documentation indicating that I agreed to assume such liability. 

Reclassification of Business Account to Flexible Spending Account : XXXX has unilaterally reclassified this business credit card account from a business account to a Flexible Spending Account ( FSA ) after it became 60 days delinquent. This reclassification appears to be a tactic to allow XXXX to report the account on my personal credit file, despite the fact that I am not personally liable for the debt. I have never agreed to this reclassification, and XXXX has provided no documentation explaining this policy or its legality. 

Failure to Provide XXXX Signed Agreement : I have repeatedly requested the original signed agreement proving my personal responsibility for this debt. XXXX has only provided a general business credit card agreement, which does not include my signature or any acknowledgment of personal liability. The lack of a signed agreement further supports that I am not personally liable for this account.

FCRA Violation Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ) : XXXX is XXXX reporting this business debt on my personal credit file as if it is a personal liability. This is a violation of the FCRA, which requires that credit reporting be accurate and truthful. Despite my dispute with the credit bureaus, XXXX has failed to provide any supporting documentation to verify that I am personally responsible for this debt. 

Failure to Provide Proper Verification ( 15 U.S.C. 1681i ) : Under the FCRA, XXXX is required to provide proper verification when a debt is disputed. I have requested the original signed agreement, but XXXX has failed to provide this documentation, instead offering only a general credit card agreement that does not establish my personal liability. 

Unfair and Deceptive Practices CFPB Violation : Chases practice of retroactively reclassifying a business credit card as a personal debt after it becomes delinquent is deceptive and unfair. This reclassification, without any supporting documentation, unfairly harms my personal credit. Additionally, when I spoke with XXXX, a supervisor in XXXX XXXX XXXX Department, on XX/XX/year>, I asked where in Chases policy it states that they can retroactively change the card classification. XXXX was unable to provide any supporting documentation, only stating that this is Chases practice and refused to update the credit reporting agencies that this is an actual XXXX Credit Card. If so it would not allow XXXX to report it on my personal credit file so he refused my request. 
I have attached XXXX Credit Card XXXX, copies of how they have reclassified it as a flexible spending account and not a XXXX account on my credit files, a copy of the original credit cards to show it was a business credit card.

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