Consumer complaint received 2025-01-31 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: IA

Complaint narrative:
I recognized on XX/XX/XXXX that there was a delinquent account that was listed on my credit report. I started looking into the account with adverse information and immediately recognized that it was a credit card that was fraudulently opened using my name and some of my information. I contacted the credit card company ( XXXX XXXX in order to initiate a dispute and to cancel the card. They were unable to verify my identity at first because a different zip code from where I live was used to open the card. A XXXX, TX zipcode ( XXXX ). I have lived in Iowa my entire life and have resided at my current residence since XXXX of 2018 in XXXX Iowa ( XXXX ). I finally got through to the fraud department where they tried to verify the card based off of me recognizing some of the transactions, which I obviously did not recognize. I was asked if I recognized the authorized user on the account and it was a name I had never heard before. I was told that they would open an investigation and close the card since it was already delinquent with a past due bill. I placed a credit freeze on my accounts through all three credit reporting agencies as well as started the dispute process with all three agencies XX/XX/XXXX. I had not heard anything after a couple of weeks so I reached out to the credit card company as well as the XXXX credit reporting agencies. The credit card company claimed that they verified that the account was mine based off of my name and phone number, but no other means of verification was used. They also mailed the confirmation of their findings to the address that was on record, which was the Texas address that is fraudulent. The XXXX credit reporting agencies have all answered me with the same answer, that due to the credit card company verifying that it was me they also claimed that the credit card was mine. I have not been to Texas in over XXXX years and have never lived there, I have never been to a XXXX XXXX, and I have never held a XXXX card . I keep getting the same answer from all XXXX sources that they claim the card is actually mine and that I am liable for the delinquent balance. I have submitted supporting documentation to all XXXX agencies ; Drivers license with my accurate address, a financial account statement with my accurate address, The Federal Trade commission IdentityTheft.gov report, as well as my XXXX bill with my accurate address and it also reflects my phone number as linked to my XXXX Iowa address. I have not received confirmation or receipt that they have reviewed my submitted documents from any of the XXXX companies. I spoke with my local bank and they advised me to submit this complaint in hopes that further investigation steps will be taken outside of just my name and phone number. There seems to be no actual investigation process is taking place with any of the companies and my credit score is what is suffering.

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