Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I noticed this account reporting on my credit report fraudulently and I immediately contacted XXXX XXXX XXXX XXXX ( XXXX  ) by telephone to report the identity theft that I had already been dealing with regarding other checking and credit accounts opened using my information following the loss of my wallet and a handwritten list containing all of my login credentials for my bank accounts and email address. I reported everything to the affected companies, the police and the FTC. XXXX  is disregarding the facts and federal law by continuing to report this fraudulent loan on my credit. I requested documentation regarding the specific payment account ( s ) associated with the loan so that I can determine which fraudulent accounts those were as well but was denied that information. XXXX  claims that a ) they repossessed the vehicle on my street, b ) the payments were made using an account in my name, c ) all emails were sent to or from my email address and d ) the signature on my Drivers License matches the signature on the loan contract. XXXX of all, I reported the loss/theft of my wallet and compromise of my bank and email accounts to police in XX/XX/XXXX. I updated the police report in XX/XX/XXXX after realizing that I was again having my identity misused despite the fraud alerts I had originally placed with all three credit bureaus in XXXX. XXXX  has both police reports, but isnt acknowledging the report regarding the hacking of my email account and spoofing of my SIM card. XXXX, the information provided by XXXX  allowed me to have more information to share with police because that information revealed to me that not only was my wallet found by someone who lives in my neighborhood, but that the person probably sees and/or watches me every day and thats scary to think about. XXXX, I dont understand how XXXX  could see this evidence and conclude that a criminal who has been using my drivers license and social security card to obtain goods and/or services fraudulently for XXXX years now wouldnt know how to forge the signature on my drivers license. I personally examined the documents they sent to me and it is not anything close to being my signature. So, apparently XXXX  is more inclined to present themselves as handwriting experts than a legitimate lender equipped with the tools necessary to detect and prevent identity thieves from obtaining fraudulent auto loans using unsuspecting victims stolen credentials. I am getting very frustrated with this matter and the threat letters for a debt I dont owe. Im going to sue for defamation, emotional duress and every consumer law violation my lawyer can find if this isnt deleted from my credit reports promptly. XXXX  already, XXXX has certified to the bureaus that the information being reported is valid following a full investigation, but XXXX  just doesnt want to do its due diligence and comply with the law. No real investigation is being conducted by either of the credit bureaus nor XXXX, the bureaus are merely taking XXXX  word via a simple keystroke that XXXX  has certified that the debt is valid when it isnt. This account is fraud and is XXXX  % tied to loan repayment accounts that have already been determined to be fraudulent by the lenders if any of those accounts are indeed in my name as XXXX  claims.

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