Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Email is copied from Experian Smart Money attached below I had sent a dispute in due to the information on my Experian account being incorrect and accessed via phone numbers that are not mine. I was unable to remove them even when I called into support and when I told them numerous times that the number was not mine and I could not change it. They told me they would follow up with me with a call or email and never did. I was finally able to change the number and security questions as well as password. It was blocking me for a while from doing so. My account had been accessed while I was out of state and and Ive been trying to get ahold of the transactions for a while with numerous calls and requests. My recent dispute was denied and I want my money back. I lost access to many of my accounts and even a XXXX account I never even set up and havent been able to even access. I request my funds be given and an apology for no correspondence. -- -- -- -- -- Forwarded message -- -- -- -- - From : Disputes XXXX Date : Fri, XX/XX/2024 at XXXX Subject : Dispute Message from Experian XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Claim with id XXXX To : XXXX XXXX Dear XXXX XXXX, We have completed our investigation of the dispute received from you on XX/XX/2024 for the following transaction ( XXXX ) : Date Description Amount Disputed Amount XX/XX/2024 XXXX XXXX, XXXX, DE {$49.00} {$49.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have thoroughly investigated your claim and determined that no error has occurred. We have come to this conclusion because : The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. The transaction ( s ) are consistent with previous activity on the account. The purchase ( s ) were made in your surrounding geographic area. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other Financial Institutions, Merchants, and Networks as part of the claim review. Based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. This notice serves as final resolution of your claim. You have the right to request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card as we would be happy to assist you further. Sincerely, Experian Smart Money Digital Checking Account & Debit Card

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