Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7388415
Complaint Overview
Complaint ID: 7388415
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: New York
ZIP Code: 11224
Date Received: 2023-08-11T12:00:00-05:00
Date Sent to Company: 2023-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX CARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! XXXX acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXXARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! XXXX CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
Frequently Asked Questions
What is Complaint #7388415 about?
Complaint #7388415 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-08-11T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.