Consumer complaint received 2024-01-09 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
There is a fraudulent credit card account that was opened in my name and I reported it as fraud a few weeks ago. I talked to XXXX XXXX and manager XXXX XXXX about the fraud account. XXXX XXXX told me that the account would be closed and taken out of my name for being fraudulent. I found the account on my credit bureau report and disputed the account. I received confirmation from the credit bureaus on XXXX that this account is valid which is incorrect. Everytime I try to call the fraud dept they tell me they cant give me any information about the account, because they cant validate me. This bank is violating my rights as a consumer with the fcra and this account need to be taken out of my name asap. Per Section 623 ( a ) ( 1 ) ( B ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I sent a validated ftc identity theft repprt with my credit bureau dispute showing that this fraudulent credit card was opened in my name. This bank has failed to comply with my rights as a consumer with the fcra and are continuously trying to make XXXX responsible for a fraudulent credit card account. If this account is not closed and taken out of my name asap. I will be moving forward with filing a lawsuit against first horizon bank. The violations of the fcra this company are committing are as states : Creditors give reporting agencies inaccurate financial information about you. Agencies fail to follow guidelines for handling disputes. Reporting agencies providing information to unauthorized persons or businesses. Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). Reporting that an account was active after it was reported as a fraud account. This account is also only reporting to XXXX and XXXX credit bureau. It is not reporting to XXXX credit bureau, and Im trying to understand if it is a valid account why isnt it reporting to XXXX? I spoke to XXXX XXXX in the ceo office for XXXX XXXX who emailed my concerns to the appropriate department on XXXX. I talked to employee XXXX and the manager XXXX XXXX in the office of the president in customer solutions. XXXX XXXX told me since, I filed a complaint with the cfpb that they will respond to my complaint through that portal. I talked to XXXX credit bureau on XXXX and they informed me that the received a signed application and a copy of my license from first horizon bank who validated this fraud account. I have never signed a application with my signature and I have never sent this bank a copy of my license. I sent a dispute through XXXX credit bureau in which, I uploaded my license, ssn, and ftc identity theft report. That is how this bank received my license and they are sending my license back to the credit bureau lying like they received it directly for me which is a lie. This account was initially opened with a Georgia address and Im located in XXXX tn. When I spoke with XXXX XXXX he told me that he would be updating my phone number and address for the investigation team to be able to contact me regarding the investigation. When a consumer reports a fraud account to a creditor the account is supposed to be closed down immediately for fraud as a investigation take place. This account was never closed, and a investigation never took place. I was never notified of the fake investigation, and I was never sent documents showing how this account is validated in my name. Then this bank lied to XXXX credit bureau by sending them a application that dont have my signature on it, and my drivers license that XXXX sent them from my dispute. First horizon bank have broke many laws, and multiple violations within the fcra. If this account is not closed, taken out of my name, and off of my credit report ASAP. This bank will be in serious litigation for playing games with my fraud claim and credit file.

Company response to consumer: Closed with explanation