Consumer complaint received 2024-12-07 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: MO

Complaint narrative:
To whom it may concern : I am a XXXXXXXX XXXX  law abiding citizen. I am XXXX XXXX XXXX XXXX XXXX held to highest degree and regard of moral, civil, and ethical duties and dealings. I am gainfully employed and do not engage in low vibrational and distasteful acts such as what is being described below. 
Unsure of exact initial dates, but on or about XX/XX/2024 I was contacted by an XXXX XXXX  fraud department representative regarding " potential fraudulent activities '' that had taken place on my fathers bank account in which I am a co op due to him developing XXXX XXXX. I was informed that there were several checks that were deposited into his primary account ( which is where he received his SSI checks every month ) and the bank cleared but returned back as " bad checks ''. This was my first time learning of these circumstances and I explained to the representative that the checks in fact had to be fraudulent because I did not recognize the names of the individuals that appeared on them. I also explained that I was only on the account because of my fathers failing cognition and just in case we ever ran into problems such as him losing his card or inability to access his account, that my being on there would streamline this process of getting these issues situated, yet I've never as much passed a check through his account nor do I receive monetary gains through this account. The representative asked me to get in contact with my father because they were having no success at getting ahold of him because of phone connectivity issues. She did inform me at this time that they would proceed to close the account the first week of XXXX if there was no resolve. I would end up having the same issues with phone connectivity with my father as well and was unsuccessful at verifying things until the account was " closed '' with XXXX XXXX. Once I was able to get to my father, he did inform me that his wallet was stolen ( which because of his XXXX XXXX, he kept his PIN number to his ATM card taped to the back of his card ). 
On or around XXXX, XXXX, I was attempting to be placed on my Husbands bank account with XXXX XXXX  when I was informed by the XXXX representative who ran a consumer banking report that I would not be able to be placed on his account due to me being flagged by " XXXX '' for " fraudulent check activity ''. I immediately requested my XXXX file and received my consumer report in the mail late XX/XX/2024 which did state that I was reported for " Suspected fraudulent activity '' involving an unpaid balance of {$2300.00}, owed to XXXX XXXX. After becoming aware of this, I made a trip up to XXXX XXXX  XXXX in XXXX, Kansas where I was able to speak to a management team member by the name of XXXX XXXX XXXX XXXX. XXXX did provide me a copy of the bank statements showing that there had been a total of 3 checks that were apparently deposited at the ATM into my fathers account. I asked XXXX were any camera 's used to attempt to catch those responsible for the fraudulent activities to which her response was " no ''. I asked XXXX if they tried to validate who wrote out the checks because the handwriting was not mines nor my fathers, to which XXXX responded " no ''. Thirdly, I asked to see who endorsed the checks to check the signature and to my surprise, none of the three checks were ever endorsed. I asked XXXX why did the bank not take responsibility for allowing the checks to completely clear without an endorsement on the back to which her response was " we were using the " good faith '' rule to allow them to clear, as we have never had any issues with your fathers account in the past ''. XXXX refused to reverse their decision to " hold me responsible '' for their bank allowing unendorsed, fraudulent checks to clear with every indication that these checks were not legit. 
Unfortunately, I have been denied access to being added to my husbands bank account with XXXX XXXX  due to me being added to XXXX, I have been denied an auto loan with my own XXXX XXXX XXXX XXXX XXXX XXXX, and most recently learned that the fraudulent checks have been passed to a third party who have now flogged me that much more by adding a " collections account '' to my credit report, which has lowered my score more than XXXX XXXX. Not to mention my aging father has suffered all the same. 
Please see all exhibits attached below including the checks deposited with no endorsement, my fathers one page bank statement showing the banks allowed the cashing of the fraudulent checks, and my personal XXXX XXXX file showing the suspicious activity alert and amount owed to XXXX XXXX  ( as well as the many credit pulls I had attempting to gain access to a new auto loan for which I was denied, this includes my personal credit union who I've been in excellent standing with for more than 13 years ). After all, my bank would never cash an unendorsed check, not even a legitimate one.

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