Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of Identity Theft/Fraud. Somebody went online to Experian and managed to lift a FREEZE I had placed XX/XX/XXXX from a previous Identity Theft/Fraud situation. This person LIFTED MY FREEZE WITHOUT USING MY PIN NUMBER by creating an online basic membership. This person used a prior married name that was on my credit bureau and used my current address. Once in, this person used my social security number and put this e-mail address : XXXX, and this phone number : ( XXXX ) XXXX, and created a PIN and security questions, so I was unable to get into my Experian credit bureau account. Experian DID NOT notify me that this was done. The only reason I was aware of the ID Theft/Fraud was because I was notified on XX/XX/XXXX, by Credit Monitoring Service about a New Inquiry regarding my Social Security Number. It was initiated from the bank under my name. 
Once the FREEZE WAS LIFTED, this person went online and took over my bank savings account. on XX/XX/XXXX. This person applied for a {$29000.00} fraudulent loan in my name using my membership number. On XX/XX/XXXX, electronically signed a promissory note and an insurance disclosure at XXXX p.m. A delivery consent form was signed electronically at XXXX p.m. and sent to e-mail : XXXX. The loan was approved and disbursed on XX/XX/XXXX, into savings account. On XX/XX/XXXX, this individual requested an Official Check Request for {$28000.00} and paid {$8.00} for an Expedited Mail Fee. The Bank DID NOT notify me a loan was applied for and processed. To get this loan, When I talked to the bank on XX/XX/XXXX, they mentioned that this fraudster went online using my member number and created a profile using my Social Security Number. When I talked to the bank to find more information regarding this Identity Theft/Fraud incident, and they asked me to verify my identity. The bank asked my name, social security number, date of birth and address. I inquired about what information the fraudster has. This person has ALL this information. 
I have been a victim of Identity Theft and fraud in the past, back in XX/XX/XXXX, somebody committed fraud in my name by using my banks member number and Savings Account to deposit large amounts of money ( {$55000.00} ) in {$5000.00} increments and transferred to another account. This was reported immediately to the bank and the 3 credit reporting bureaus, however, since there was no loan request, or any credit cards open in my name, there was nothing reported to the credit bureaus and no report to the Federal Trade Commission was made. On XX/XX/XXXX, someone tried to get a U.S. Small Business Administration COVID-19 Economic Injury Disaster Loan for {$94000.00}. This was ID Theft/Fraud was reported to the U.S. Small Business Administration , Federal Trade Commission XXXX and the local Sheriffs Office XXXX

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