Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
I have a chase credit card and XXXX of the perks is credit reporting and alerts. I received an alert yesterday XX/XX/XXXX that inquiries are made into my credit by XXXX XXXX quick Google search got my to realize this is a collector. Then I noticed XXXX other alerts on that credit report made prior to that one ( done by Experian ) where it says that on XX/XX/XXXX there was a new loan from XXXX XXXX. I DID NOT secure any loan with this company and was shocked to see that Experian is reporting this loan was opened on XX/XX/XXXX and then on XX/XX/XXXX seems like balance was past due so all these alerts were in my chase mobile app for me to discover through. 
I called Experian immediately they told me to dispute it online on their web site. Web site kept trying to sell me their protection plan and identity theft ( very funny I know ). 
After that I called you where I was told to freeze my credit with all XXXX bureaus which I did. Then I also learned that Experian is the only one that is showing this loan with XXXX  ( how odd ) this is suppose to be trusted agency but they run my XXXX XXXX XXXX to XXXX in XXXX  months meanwhile my credit score remains at XXXX with XXXX and there is no mentioned of this loan and past due balances there. Everything that XXXX is reporting is accurate. 

Now my next call was to XXXX XXXX company where this loan apparently is coming from who said they will send me an email confirmation saying that I do not have loan with them and that loan is fraudulent. I am yet to receive that email ( guessing never ). 
That did say they apparently have all my information but wouldn't disclose any of it of course. They also gave me a case # but I don't trust this company after reading similar stories on XXXX. 
I didn't receive anything at my home address any bills any confirmations of this loan ever be made in my name or anything. All I see is this inquiries into my credit made by Experian on their credit report which is false. 
Once I made a dispute with them I received an email saying it will take them XXXX  days to get back to me. 

At this point I do not know who to call and where to go to really know if my identity was indeed stolen or is this just some random mistake made by Experian in credit report. 

It seems really odd to me that this XXXX company can just put this into my credit report and run my credit score into nothing without ever reaching out. What if I really needed my perfect score right now. Who gives them this much power. I was very surprised that this same company Experian who basically decides you credit score faith has score of B- on XXXX. That is really something. 

Am I suppose to report this to police? As of right now no debt collector is after me and no mail has come to my home regarding any loans or open balances from XXXX XXXX yet Expirian is showing this information in my credit reporting.

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