Consumer complaint received 2025-12-24 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: NE

Complaint narrative:
Issue : Fraudulent loan opened after credit freeze and fraud alerts ; identity theft ; failure to investigate and delete ; inaccurate credit reporting Complaint Summary I am submitting this complaint against XXXX XXXX XXXX for reporting a fraudulent {$500.00} loan on my Experian credit report that was opened as a result of identity theft. This account appeared after my credit files were already locked, frozen, and flagged with fraud alerts due to prior identity theft. 
Despite numerous disputes and being provided with police reports, FTC identity theft reports, and identity theft affidavits, XXXX continues to verify and report this account and refuses to remove it. 
This conduct violates the Fair Credit Reporting Act ( FCRA ) and federal identity theft protections and has caused me ongoing harm. 
Detailed Explanation My identity was stolen several years ago. Since that time, I have maintained : Credit freezes with all credit bureaus Fraud alerts on my files Ongoing monitoring and documentation Despite these protections, I discovered that XXXX  reported a {$500.00} loan on my Experian credit file that I never applied for, authorized, or received. 
This account should never have been opened or reported, especially while my credit file was frozen and flagged for fraud. 
I immediately disputed the account and provided XXXX and the credit bureaus with extensive documentation, including : Police reports regarding identity theft FTC Identity Theft Reports Identity theft affidavits and supporting documents Even after receiving this evidence, XXXX has : Refused to delete the fraudulent account Continued to verify inaccurate information to Experian Failed to conduct a reasonable investigation Continued reporting an account that is not mine This account has been disputed multiple times, yet XXXX persists in re-reporting it. 
Violations XXXX actions constitute violations of, at minimum : FCRA 1681c-2 ( Section 605B ) Failure to block identity-theft-related information after receipt of proper documentation FCRA 1681s-2 ( b ) Failure to reasonably investigate disputes and correct inaccurate information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b Reporting/using consumer information without a permissible purpose where no valid account exists UDAAP Unfair and deceptive acts by reporting and attempting to collect a debt that does not belong to me Harm Caused XXXX refusal to correct this fraudulent tradeline has caused : Damage to my Experian credit report and creditworthiness Emotional distress and anxiety from ongoing identity theft fallout Loss of time and resources repeatedly disputing an account that is not mine Fear of further fraudulent activity despite having freezes and alerts in place It is especially distressing that this occurred even after all fraud protections were in place.

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