Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has reported an account that does not belong to me, and their response to my identity theft claim has been insufficient and legally non-compliant under the Fair Credit Reporting Act ( FCRA ). 

I have never applied for, authorized, or consented to this account. Despite requesting legally required verification, XXXX failed to provide any proof linking me to the account. Specifically, they did not provide : A copy of the original account application with my signature and identification used to open the account. 
Transaction records showing usage, including timestamps, locations, and IP addresses. 
Copies of written or electronic communications between XXXX and me. 
Proof of my consent, such as authorization records, voice recordings ( if applicable ), and verification steps taken before the account was opened. 
Any internal investigation records XXXX conducted regarding this identity theft claim. 
Instead, XXXX only provided a Retail Installment Sale Contract that contains an incorrect address and a fraudulent signaturewhich does not prove that I was responsible for this account. Furthermore, it is impossible to purchase a vehicle without proper identification, yet XXXX failed to provide any record of ID verification for this alleged transaction. 

Fair Credit Reporting Act ( FCRA ) Violations Santanders failure to properly verify this account and the ongoing inaccurate reporting to credit bureaus constitute violations of multiple sections of the FCRA, including : Failure to Provide Proper Verification ( 609 ( a ) ( 1 ) ( A ) ) XXXX failed to provide sufficient documentation proving that I opened this account. 
Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) Their response does not constitute a good-faith investigation into my identity theft claim.

Failure to Provide the Source of Information ( 609 ( a ) ( 2 ) ) They did not provide details of how they verified my identity when the account was opened.

Failure to Properly Investigate an Identity Theft Claim ( 605B ) The FCRA requires that fraudulent accounts be blocked and removed unless the furnisher proves they were authorized by the consumer. XXXX has failed to do so. 
Requested Actions I am formally requesting the following corrective actions : Immediate removal of this fraudulent account from my credit report across all three bureaus ( Experian, Equifax, and TransUnion ).

Cessation of all collection activity related to this fraudulent account. 
A full explanation from XXXX and the credit bureaus regarding why this account was not removed immediately upon my initial dispute. 
A complete copy of any records XXXX has related to my dispute, investigation, and the original account application. 
Failure to comply with this request within 30 days, as required by law, will result in formal complaints to the CFPB, FTC, and my State Attorney Generals Office. I am prepared to pursue legal action for FCRA violations if this matter is not resolved immediately. 

Attached Documents : Copy of my government-issued ID ( to prove my identity for the dispute ) Copy of Santanders insufficient response Copy of FTC Identity Theft Report

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