Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

My credit monitoring company notified me that a HARD INQUIRY had been posted to my credit score.Knowing I did not apply for anything withn year that would constitute a hard inquiry, nor have I ever given any company or person ( s ) the authority to run my credit, I looked into the matter further. On XXXX/XXXX/15 I found out that the company XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) had not only hit all XXXX credit bureaus with a hard inquiry, they also granted & ETF a loan for {$1000.00} at a 200 % interest rate, to an account at XXXX.I have never done business or held any accounts with this particular bank.I immediately contacted XXXX to dispute this fraudulent claim, as well as filed a police report with the XXXX, XXXX XXXX Police department.I then put a 90 day hold on all XXXX credit bureaus to protect myself while I was figuring out this matter.I then followed every single requirement XXXX asked of me to get a fraud investigation underway, ( including filing a formal FTC Fraudulant Claim form, police report, as well as sending them all the proper documentation they requested ) .afeer numerous attempts at contacting them in the days that followed, with no response, I was finally notified on XXXX/XXXX/15, via email that they had resolved the issue and found that the loan was taken out under my credit fraudulently, they told me the only XXXX pieces of information that matched their records to my REAL identity was my SS # and DOB.Apparently they DONT have a very good screening process when handing out financially debilitating, insanly high interest rated, short term loans.They then assured me they would not only take the loan off all XXXX credit reporting agencies, they also stated to me, and I quote, '' One of our team members has recently updated your information with the credit bureau ( s ) pursuant to your request. Please allow 24-48 hours for the change to take effect. " After receiving this email I contacted the fraud department I was working with through XXXX XXXX XXXX via phone, and asked them to send me a formal letter stating the situation, and that it was a fraudulent action, incase I needed proof if I faced issue with this matter, or any problems with my financal matters, down the road.Again I was reassured, that the mistake was corrected and XXXX XXXX XXXX sends out a written notification, via mail, to every victim, for their records. 
Well almost 5 months later and still not letter or feedback from GPL.After checking all XXXX of my credit reports multiple times since I was under the impression this issue would be resolved months ago, I am still seeing XXXX XXXX XXXX showing up on my credit reports. 

I have kept all documentation and correspondence between myself, XXXX XXXX XXXX, my local Police Department, as well as any other contacts I made during the time I was trying to solve this issue.Apparently all my hard work and a countless amounts of hours wasted to rectify a horrible situation, I was the victim of, only got me so far.I even made a report with the XXXX, and feel like eventhough I am the victim, doing all the leg work, no one seems to be willing to help me solve this violation and crime made against me.I am now taking it a step further and making dispute complaints with all XXXX credit bureaus and any consumer advocate or organization that can help me get this off my credit reports, so I can continue to move on at building myself a healthy credit foundation. 

Below I have left a copy of the FTC Identity Theft Victims Complaint and Affidavit I was asked to complete by XXXX XXXX XXXX.I also have saved copies of every email and I kept a jornal of dates, times, people, and torganizations I spoke w/in person or via phone, inattempts to solve this matter.If you need copies of any of those please contact me at anytime. 
Hopefully you can help, thank you.