Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because a fraudulent credit card account was opened in my name without my authorization, and the card issuer has failed to conduct a proper fraud investigation or provide any written confirmation clearing me of responsibility.

The account was closed by the issuer but is still being reported to the credit bureaus with an outstanding balance. I informed the creditor that this account is fraudulent and the result of identity theft. Despite this, the issuer has given inconsistent explanations, refused to acknowledge my identity theft claim, and has not removed the balance or provided documentation confirming the fraud.

I have already filed disputes with TransUnion and Experian, supported by an FTC Identity Theft Report. The card issuers lack of cooperation is preventing the credit bureaus from resolving the dispute, harming my credit reports and impeding a legal matter I am involved in.

I am requesting CFPB assistance to ensure the creditor : - Conducts a proper fraud investigation as required under the Fair Credit Billing Act ( Regulation Z ), - Stops reporting inaccurate negative information, - Issues written confirmation that I am not responsible for this account, - Communicates accurate findings to the credit bureaus.

STATEMENT OF HARM This fraudulent credit card account and the creditors refusal to correct the issue have caused the following harms : 1. Credit Damage : The fraudulent acco
unt is being reported with a balance, negatively affecting my credit score and financial reputation.

2. Legal Impact ( Divorce Case ) : I am currently involved in a divorce in New York State. The fraudulent activity may have been committed by my estranged spouse, and the continued reporting of this account interferes with the financial disclosures required in the divorce.

3. Emotional and Financial Stress : I have spent significant time trying to resolve this situation. The uncertainty regarding liability for a debt I did not incur has caused significant distress.

4. Identity Theft Risk : The card issuers failure to determine fraud increases the likelihood of further misuse of my personal information.

5. Inability to Correct Credit Reports : The credit bureaus have not removed the fraudulent account because the creditor continues to report it, preventing me from exercising my rights under FCRA XXXX. 



-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IDENTITY THEFT TIMELINE Date : XX/XX/year> I discovered a fraudulent credit card account on my credit report. 



Date : XX/XX/year> I contacted the card issuer to report the account as fraudulent. They failed to acknowledge my claim or provide written documentation. 



Date : XX/XX/year> I filed an FTC Identity Theft Report via XXXX. 



Date : XX/XX/year> I contacted the card issuer again and provided required documentation. They did not issue any fraud determination. 



Date : XX/XX/year> I disputed the fraudulent account with TransUnion and Experian. They have not removed the account because the creditor is still reporting a balance. 



Date : XX/XX/year> The account was closed by the creditor but continues to reflect a balance on my credit reports. 



CURRENT : My credit file still shows fraudulent information, and the creditor has failed to follow proper fraud investigation procedures. 



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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