Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am a victim of identity theft. I noticed a loan taken out in my name on two of the three credit reports. The loan was taken out on XX/XX/XXXX for {$2400.00}. It was listed as XXXX XXXX  on the Experian report and as XXXX XXXX XXXX  on the XXXX report. I started a dispute on both reporting agencies. XXXX has removed the fraudulent account. Experian still has not. 

I have contacted XXXX XXXX multiple times, via phone, email and certified mail. The certified mail could not be delivered. They have done nothing to close the fraudulent account. They have only asked me to send them more sensitive information via email, such as my taxes, bank statements and government id. They insist I have a XXXX XXXX account and sent me an email attachment with a voided XXXX XXXX check, including account number and routing number. XXXX XXXX fraud department assured me they have no account associated with my name or phone number. I am suspect this company, XXXX XXXX XXXX be associated with the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Called XXXX XXXX regarding a loan taken out on XX/XX/XXXX in the amount of {$2400.00}. Was informed that someone came into their office to apply for the loan and had an XXXX Drivers License with my name on it. I asked what the license number was. They said XXXX. I told them that is not my license number. Was told to call back after a police report was filed. Spoke to XXXX. 

Filed a Police Report. 

Called back XXXX XXXX They said to email them the police report and to contact XXXX XXXX, stating the person who opened the account had a XXXX XXXX check. XXXX Called XXXX XXXX. Was told there was no account with my name or SS number. 

Emailed XXXX the police report and told them I spoke with XXXX XXXX and they have no record of an open account under my name. I asked for confirmation of my email. Never got a return email. 

XXXX Went to DMV. They ran the fake number, XXXX, and said it did not exist. 

XX/XX/XXXX Received a letter from Experian stating they were not deleting the XXXX XXXX loan on my report and told me to contact them at ( XXXX ) XXXX, which is not their posted number. Generic recording says, The caller or subscriber you are calling is not available. 

XX/XX/XXXXXXXX XXXX XXXX XXXX again. Left a message for XXXX. 

XXXX Called XXXX XXXX again. Left a message in the general mailbox to call me back. 
Emailed XXXX again, stating, I am trying to get in touch with you regarding this fraud. I see it is still on my credit report, and now with a missed payment. Could you please email or call me as soon as possible? Someone called back shortly after that and said XXXX was out and back on Monday and she would call me then. 

XXXX Monday - XXXX did not call me back. 

XXXX Received an email finally from XXXX stating : Dear XXXX, Thank you for your email. We have consulted with our attorney regarding the ongoing investigation and are in the process of verifying the fraudulent claim. To proceed, we kindly request that you provide the following documents : 1. Bank statement for the month of XX/XX/XXXX XXXX. Tax return for XX/XX/XXXX XXXX. Your current identification Your prompt assistance in providing these documents is greatly appreciated. 
Best regards, XXXX XXXX ( she/her/hers ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX | XXXX ( XXXX ) XXXX | XXXX  XX/XX/XXXX Filed a consumer report to the FTC XX/XX/XXXX Sent XXXX XXXXXXXX a letter via USPS certified mail requesting the closing of the fraudulent account. 

XX/XX/XXXX Emailed XXXX XX/XX/XXXX Emailed XXXX XX/XX/XXXX XXXX attempted at XXXX. No one there. 

XX/XX/XXXX Emailed XXXX and XXXX the paperwork that I tried mailing.

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