Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I placed an order earlier this year and purchased a dress from XXXX. I returned the dress for personal reasons. Two months later I received a bill saying I owed late charges for a return of the dress. I could not understand why I was being charged a late fee for a return item. After speaking with someone at XXXX and she said I was sent a bill twice that I never received. I explained to the representative that I was very unhappy about the charge and the late fee. Upset with the company, I told them I would pay the late fee, but I asked them to remove my name from their mailing list and never to send me anything from that company again. 

XXXX weeks later, I received an email alert from Experian asking me to confirm that I had opened a credit card with XXXX. I immediately filed a complaint and explained that I never applied for a credit card with this company and that I was unsure how they got my information to even give me a credit card. I told them, I purchased a dress from this company and returned it. Then I get a message that I applied for a credit card. I was told that once they investigated it, the account was verified and updated by XXXX. Very upset, I filed again explaining the same problem that I never applied for a credit card with XXXX and I don't even know how they got my information because I only purchased a dress that i returned. After filing a third complaint with Experian, the company still refuse to remove the information that I believe they had obtained falsely. I never gave them any of my information to even apply for a credit card. 

I contacted XXXX and asked them why they are forcing me to keep something I never applied for and how they obtained my information to even send me a credit card. The representative claim when you place a order, they send you a credit card. I asked how when I only ordered a dress and returned it and asked that they remove my name from their list. I told them I wanted this account closed and removed from my file. 

Well looking at the response from Experian, the account was closed but not removed from my credit report and it will not be until XXXX. 

I am very upset that for something I never applied for can stay on my credit report. This company FALSELY OBTAINED MY INFORMATION and said I applied for a credit card. I NEVER OPENED A CREDIT CARD WITH THIS COMPANY AND I WOULD LIKE TO REQUEST THAT THEY BE PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY AND NOT HELD ON MY CREDIT REPORT UNTIL XXXX. I ALSO WOULD LIKE TO REQUES THAT THIS COMPANY BE INVESTIGATED IN HOW THEY OBTAIN CUSTOMER 'S INFORMATION AND SEND THEM A CREDIT CARD WITH THE CUSTOMER NOT KNOWING AS MYSELF. I AM SURE i AM NOT THE ONLY ONE WHO HAS HAD THIS PROBLEM. I just want this company XXXX removed from my credit report permanently and that they are investigated in how they obtain information about customers who place an order with them.

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