Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against XXXX for violating consumer protection laws and engaging in deceptive practices. In 2022, I discovered an unauthorized account in my name, which led to a significant drop in my credit score. Despite my efforts to resolve the issue, XXXX retaliated by further damaging my credit and blocking my account. 

Background In 2022, I was outside the United States and realized I couldn't access my XXXX account online. I noticed some weird emails about another account from XXXX. Upon calling their customer service, I was informed that a second account had been opened in my name due to issues with their lender. I explicitly told the representative that I did not approve this action and knew it was illegal. Despite this, they refused to correct the issue. 

Unfair Practices XXXX 's actions are unfair and deceptive : - Opening an unauthorized account in my name without my consent, double interest fees double late charges, and affected my credit- Damaging my credit score in retaliation for my objections/they lowered my credit from {$3000.00} dollars to {$300.00} because i complained they falsely - Blocking my account and refusing to allow me to pay the bill over phone for a time saying they had no access to my account because i had a lawsuit against them which was a lie. I specifically told them i have lawyers because i own a business and i know you can not use someone's credit and open an account in their name without their consent that's like a common criminal finding your wallet and opening account - Providing false promises to resolve the issue- numerous times they told me that they had unblocked account and i could use it and they had addressed the drop in my credit but they never did a Man name XXXX and i have conversations recorded Request for Relief I request that the state Attorney General 's office investigate XXXX XXXX practices and take appropriate action to : - Hold XXXX accountable for their violations- Restore my credit score to its original state - Ensure XXXX ceases their deceptive practices - Provide compensation for damages suffered Conclusion XXXX XXXX actions have caused significant harm to my credit and financial well-being. I believe many others have been affected similarly. I urge the Attorney General 's office to take swift action to protect consumers from XXXX 's unfair practices. XXXX has been sued for this as they have harmed thousands of other customers. 

" In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX filed a class-action lawsuit against XXXX, a mail-order company based in XXXX XXXX, XXXX The lawsuit alleges that XXXX opened thousands of unauthorized accounts without permission, damaged credit scores, and violated several laws, including the Fair Credit Reporting Act and state laws such as Consumer Fraud, the Uniform Deceptive Trade Practices Act, and the False Statement in Advertising Act. '' XXXX XXXX Class-action lawsuit filed against XXXX XXXX-based XXXX XX/XX/XXXX XXXX has not learned its lesson it was sued and in 2020 for the same thing,. 
The lawsuit against XXXX settled in 2020, with the company agreeing to pay {$2.00} XXXX to resolve the allegations. As part of the settlement, XXXX also agreed to change its business practices and provide clear disclosures to customers about account openings and charges. 

Today as i forgot to pay bill my mother had XXXX they are trying to charge me XXXX late fees when I only ever opened XXXX account with them. These companies should not be allowed to hurt vulnerable customers. Relying on them to help our credit and them exploiting us and destroying our credit. 

This company owes me no less than XXXXXXXX XXXX  for steeling my identity. Please let them know this is illegal. 

they should at least not charge the extra fees on XXXX cards but they are criminals. Thank you in advance for your help against this predatory company!

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