Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In or around XXXX, my father obtained an automobile loan in the approximate amount of {$36000.00} through XXXX XXXX XXXXXXXX. He did so by listing me as a co-signer and/or co-applicant on the loan without my knowledge or consent. I did not sign any loan documents, nor did I authorize my name or credit to be used in connection with this vehicle. 

I became aware of this loan only after it had already been approved and finalized. During that time, my father was suffering from a XXXX XXXX. Upon learning of the situation, I made the difficult decision not to pursue legal or formal action against him. This decision was based solely on compassion and concern for my fathers deteriorating health, as I did not want to cause him additional stress or force him into legal proceedings during the final stage of his life. My inaction in those regards at that time should not be interpreted as consent, authorization, or ratification of the loan. 

Following my fathers passing in XXXX, I promptly contacted XXXX XXXX XXXXXXXX to notify them of his death and to formally advise that I had not signed for the vehicle and did not consent to being listed on the loan. I requested that my name be removed from the account. During this communication, a XXXX XXXX XXXXXXXX representative stated that it did not matter whether I had signed the loan documents, asserting that my alleged knowledge of the account alone rendered me financially responsible. This position was deeply concerning and inconsistent with fundamental principles of contract law and consumer protection.

As a result, I escalated the matter to XXXX  XXXX XXXX fraud investigation department. At their request, I completed and submitted all required documentation that they sent me at the time. Despite the seriousness of the allegation and the absence of my signature or authorization, I received a response shortly thereafter stating that the investigation had returned as inconclusive, without a substantive explanation or evidence addressing my claims. 

Due to this outcome, I further escalated the matter by filing disputes with the credit bureaus and submitting a report to my local police department, as my identity was used without authorization. 

On XX/XX/XXXX, I received a call from XXXX  XXXX XXXX, this time from an employee in their account services department. During this call, the representative made multiple statements that were factually inaccurate and directly contradicted information I had already provided on official documents. The representative asked leading questions repeatedly, because she did not get the answer she wanted from me. I confirmed that the representative had my prior statements and documentation in front of them, yet her assertions remained inconsistent with those records.

When I requested to speak with a supervisor or higher authority, the representative refused, stating that she did not have one, effectively denying me any meaningful opportunity for escalation or review.

Based on the totality of these interactions, I do not believe XXXX XXXX XXXXXXXX has handled this matter appropriately, thoroughly, or in good faith. From the initial dismissal of the relevance of my signature, to an unexplained inconclusive fraud finding, to the most recent call marked by misrepresentation and refusal to escalate, the process has left me feeling ignored, mischaracterized, and unfairly burdened with a debt I did not agree to assume.

I am seeking a fair, and transparent resolution to this matter, including proper consideration of the fact that I did not authorize, sign for, or consent to this loan.

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