Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Joint Credit Card Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding a joint credit card account that was opened in my name without my knowledge or consent. 
I never authorized or participated in the application process for this credit card. My ex-husband, who initially opened the account, has confirmed that I was not present at the branch at the time of application and that the intent was to make me an authorized user, not a joint account holder. Despite numerous requests, XXXX XXXX has failed to produce any documentation with my signature or any form of consent proving that I agreed to be a co-applicant. 
As a XXXX XXXX, the impact of this unauthorized account has been devastating. The account has damaged my credit score, making it extremely difficult for me to secure housing or obtain credit. I have repeatedly disputed this account with XXXX XXXX and requested its removal from my credit report, but I have received inconsistent responses, none of which provide clear proof of my authorization. 
A subpoena was issued to XXXX XXXX requesting documentation related to this account, including the original credit card application. However, the bank responded by stating that the application was completed electronically, and that no documentation is available. This lack of transparency raises serious concerns and has only added to my distress. 
Furthermore, under the terms of my divorce settlement, my ex-husband accepted full responsibility for this account. This legal agreement further confirms that I should not be held liable for the debt or have it reflected negatively on my credit report. 
I have attached the following supporting documents for your review : A copy of the subpoena and XXXX XXXX limited response Correspondence from my attorney, XXXX XXXX, noting the bank 's failure to provide key documents Communications from XXXX XXXX that offer conflicting explanations of how the account was opened Relevant sections from my Judgment of Divorce and settlement agreement Given the above, I respectfully request the assistance of the Consumer Financial Protection Bureau in : 1. Investigating the legitimacy of the joint credit card account, 2. Assisting with the removal of this account from my credit report, and 3. Holding XXXX XXXX accountable for their failure to verify my consent or respond adequately to a subpoena. 
This situation has caused me tremendous emotional and financial distress. I had an excellent credit history prior to this incident, and I do not believe I should suffer for an account I never agreed to be part of. As a XXXX XXXX these years are crucial, and I hope the CFPB will help ensure this matter is resolved fairly and urgently. 
Thank you for your time and attention to this matter. I am available to provide any additional information or documentation as needed.

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