Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
I am submitting this new CFPB complaint against XXXX XXXX ( original creditor ) and XXXX XXXX ( collection agency ) because both companies are reporting, attempting to collect, or attempting to validate XXXX loans that do not belong to me, that I did not authorize, and that I did not apply for. I have filed a formal FTC Identity Theft Report stating that these accounts are fraudulent and that I do not own either of the XXXX loans XXXX XXXX claims were opened in my name. Despite this, both XXXX XXXX and XXXX XXXX continue to report the accounts and continue to treat them as legitimate, causing ongoing damage to my credit, financial stability, and personal security. 

This complaint explains in detail what happened, why these accounts are fraudulent, why neither company has provided lawful validation, and why their continued reporting violates federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the CFPBs own standards for accuracy and identity-theft handling. The purpose of this complaint is to request CFPB intervention so that these accounts are permanently deleted from all credit bureaus and that no future reporting or collection activity occurs. 

I. I Do Not Own the Two Loans XXXX XXXX Claims I Opened XXXX XXXX is reporting XXXX separate loans in my name. I want to state clearly and unequivocally that : I did not open these loans I did not authorize these loans I did not receive any funds from XXXX XXXX I did not sign any loan application or promissory note I had no knowledge of these loans until I saw them on my credit report Any documents that XXXX XXXX claims contain my signature or personal information are disputed. These documents are not legitimate, and I do not acknowledge them as valid contracts. The presence of my name, or the presence of a copied version of my identification, does not mean I authorized a loan. Identity theft frequently involves stolen information and falsified or misused documents. 

XXXX XXXX has not provided any legitimate evidence proving that I personally appeared in their office, that I verified my identity in person, that I signed an application in real time, or that I received any funds. They have not provided : Proof of loan disbursement into an account belonging to me Proof of communication to my verified address Proof that I received any billing statements Proof of payments supposedly made Proof of authorization Proof of identity verification Without this documentation, no loan can be legally attributed to me. 

XXXX. I Filed an FTC Identity Theft Report Because These Loans Are Fraudulent When I discovered the loans on my credit report, I immediately took action. I filed an FTC Identity Theft Report, which legally establishes that these accounts are fraudulent under federal law. Filing the FTC report is the highest level of identity-theft documentation recognized by the government and triggers multiple protections under FCRA 605B and FACTA. 

My FTC identity theft filing states : I did not open the accounts I did not authorize the accounts The accounts are fraudulent My identity was used without permission Once an FTC report is filed, furnishers ( like XXXX XXXX and XXXX XXXX ) and credit bureaus are required to block identity-theft related information unless they can provide concrete, original, certified evidence proving the account belongs to me. Neither company has produced this level of evidence. 

XXXX. XXXX XXXX Is Reporting a Collection for an Account I Do Not Own After XXXX XXXX charged off one of these fraudulent loans, they allegedly sold or transferred it to XXXX XXXX, which is now reporting a derogatory collection account. XXXX XXXX is claiming ownership of a debt that was created through identity theft. Their reporting is inaccurate, unverifiable, and harmful. 

I want to make it absolutely clear : XXXX XXXX does not have the legal right to report or collect this fraudulent account XXXX XXXX has failed to provide lawful validation XXXX XXXX can not prove chain-of-title XXXX XXXX did not provide any bill of sale or assignment documentation XXXX XXXX never contacted XXXX before reporting Because the underlying loan was fraudulent from the start, XXXX XXXX is attempting to collect a debt that never legally existed in relation to me. Therefore, they have no authority to report it and must delete it from my credit report. 

IV. Neither XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX A company can not simply claim a loan is valid ; they must prove it. Both XXXX XXXX and XXXX XXXX have failed to provide : Original signed loan applications Verified identity-authentication documents Evidence of funds deposited into my account Chain of title proving XXXX legally owns the debt A full accounting of the loan A history of communications allegedly sent to me A validation notice within the XXXX required timeline Both companies rely on internal records and unverified statements, not verifiable evidence. Under federal law, this is not enough. 

V. No Proof of Funds Disbursed No Loan Exists XXXX XXXX provided no evidence that I ever received loan proceeds. For a loan to be legitimate, there must be : A deposit into a bank account belonging to me A check issued to me personally An electronic transfer to an account registered under my verified identity None of this exists. 

A loan with no proof of disbursement is not a loan. It is simply a record created within a lenders system without evidence of actual consumer involvement. 

VI. I Never Received Statements, Delinquency Notices, or Any Mail XXXX XXXX  claim that I ignored statements or failed to make payments is impossible because : I never received anything from them They never contacted me I never received bills, statements, or letters I never received a validation notice I never received a delinquency or charge-off notice When a legitimate loan exists, borrowers receive : Regular monthly statements Notices of missed payments Emails or written warnings Phone calls or collection attempts I received none. 

This proves I was never the true borrower. 

XXXX. No Chain of Title Exists Between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sells or transfers a debt, federal law requires documentation showing : A bill of sale A transfer or assignment agreement Identification of the specific loan being transferred Proof that XXXX XXXX lawfully acquired the account XXXX XXXX provided none of these documents. 

Without chain-of-title, XXXX XXXX can not claim to own the debt. Furnishing inaccurate ownership information is a violation of FCRA 623. 

XXXX. All Signatures and Documents Being Used Are Disputed Any signature XXXX XXXX claims belongs to me is disputed. I did not sign any loan applications or loan agreements. Signatures appearing on loan files are not automatically valid ; forgery, digital manipulation, and unauthorized use of personal information are common in identity theft cases. 

Because I dispute the authenticity of all signatures, XXXX XXXX must provide : Forensic handwriting analysis Ink and pressure pattern analysis Metadata for electronic signatures Proof I was physically or digitally present during signing Since they can not provide this evidence, the accounts must be removed. 

XXXX. Both Companies Violated Identity Theft Handling Requirements Once a consumer disputes an account and files an FTC Identity Theft Report, the furnisher must : Stop reporting the account Block the account from all bureaus Provide documentation used to verify the transaction Stop collection activity XXXX XXXX and XXXX XXXX did not follow these procedures. They continued to report, continued to treat the account as valid, and failed to provide legally required documentation. 

This is a clear violation of FCRA 605B and 623. 

X. These False Accounts Are Causing Ongoing Harm The presence of these fraudulent XXXX XXXX and XXXX XXXX accounts on my credit report has caused : Lower credit scores Denied credit applications Higher interest rates Stress and emotional burden Time spent filing multiple disputes Reputational damage with lenders I should not suffer these consequences for accounts I never opened, never used, and never authorized. 

A fair resolution must include full correction of my credit file and notification to any recent creditors who accessed the inaccurate information. 

XXXX. Summary of What Happened To summarize : XXXX fraudulent loans were created in my name at XXXX XXXX I did not apply for or receive these loans XXXX XXXX provided no valid evidence of identity verification XXXX XXXX provided no proof of disbursement XXXX of these fraudulent loans was sold to XXXX XXXX XXXX XXXX is now reporting a collection account based on identity theft XXXX XXXX has no chain-of-title, no validation, and no legal authority I filed an FTC Identity Theft Report confirming these accounts are fraudulent Both companies continue to report inaccurate information in violation of federal law My previous CFPB case was closed without resolving these issues I am filing this new case to ensure proper investigation and complete deletion XXXX. Requested Regulatory Action Based on what happened, I am requesting that the CFPB require XXXX XXXX and XXXX XXXX to : Permanently delete both XXXX XXXX accounts Permanently delete the XXXX XXXX collection account Delete all associated data from all credit bureaus Provide written confirmation of deletion Block reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) Stop all furnishing and collection activity Provide all legally required documentation ( if it exists ) Notify all creditors who accessed my file within the last XXXX months This is the only fair and lawful resolution. 

XXXX. Closing Statement I reiterate : I do not own these XXXX loans. 
I did not authorize them. 
I did not receive funds. 
These accounts resulted from identity theft. 
I filed an FTC Identity Theft Report. 

XXXX XXXX and XXXX XXXX have failed to validate, failed to investigate properly, failed to authenticate any documents, and failed to comply with identity-theft requirements under federal law. 

Because these accounts are fraudulent and unverifiable, they must be removed from my credit report immediately.

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