Consumer complaint received 2024-02-14 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: 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 XXXX 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 XXXX 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 XXXX 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 XXXX address and Im located in XXXX XXXX. 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.I have attached my license, social security card, and ftc identity theft report to this complaint so they can verify me! They also verified me when they sent the response to my fraud claim with XXXX credit bureau on XXXX! Which they lied like I sent them my license and signed an application which is also a LIE! So how cant they verify me with the CFPB, but they verified me with my dispute with XXXX credit bureau on XXXX to say THAT THIS ACCOUNT IS VALID?! This bank is known for lying, manipulation, playing games, and not following proper protocol with consumers fraud disputes. A ftc identity theft report is with the ( federal trade commission ) which is within the federal government which is needed when a consumer is filing an identity theft report. My drivers license, social security card, and ftc identity theft report is more than enough to validate my identity. I dont have to go to a branch where I dont bank to bring any documentation when, Ive uploaded my information on the CFPB website. This bank is trying its best to make me go out of my way to prove who I am and I AM NOT DOING NONE OF THAT! Ive contacted customer resolutions, the fraud department, several managers, the corporate office, and the ceo which is every department within this bank to resolve this issue. This bank have more than enough information and need to do their due diligence to resolve this issue. If this account isnt closed, taken out of my name, and taken off of my credit report ASAP. I will be filing a lawsuit against FIRST HORIZON BANK! IF THIS IS A FRAUD ACCOUNT WHY ISN'T THIS ACCOUNT REPORTING TO MY XXXX CREDIT FILE?

Company response to consumer: Closed with explanation