Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
XXXX XXXX keeps stating this is my debt. This is NOT my debt. There is a few things. They keep saying " I '' signed an agreement, " I '' contacted them. I never signed any agreements. I never contacted them in the prior years.I have been employed with the same company for the last 7 years. I have been at the same address for the last 5 years. My photo was taken without my knowledge of it being used for a loan. I have explained that and time after time they overlook that fact. It is listed in the police report as well as my FTC report. They have NOT contacted the investigating police department. They have not looked into my supporting documents that overweights theirs. I guarantee I lived in a completely different city, with a job that I'll provide a paystub from my work at that time on this complaint, I can even include my W-2s. As you see from the emails provided attached, I have provided every proof I could as a sign of identity theft. I did not sign up for the loan. Any information used was fraudulently used without my conesnt. Any personal information like phone numbers, emails, banks, none of those were in my name and if they actually did research they'd see it. Any contact they've had about apyment plans, employment is all fraudulent information they've been fed from the suspect himself. Any ID 's used were either taken a photo of or stolen. Once again, they'd know if they actually contacted the police department. If they actually looked at MY supporting documents. So there is nothing to contradict with my identity theft claim, since all the information they have on file has been fraudulently given, or its fraudulent information ( emails I never created ) etc. Once again, any information given ( emails, phone numbers, addresses, payments on the account ) is all fraudulent. Any contact they think was me, was indeed not me and therefore has been fraudulent. It seems like they almost have an interal mistake happening somewhere. Letting someone thats actually not me, sign up for a loan, pretend to be me and contact them on behalf of fraudulently being me, and then get away with it. They need better verification and authentication measures. I understand whoever created the loan fraudulently uploaded a picture of myself and my identification, wihtout my consent or knowledge. I had no knoweldge of my identification being uploaded. And at the time of getting my photo taken, I was under the misrepresentation of the photo just being a fun photo of myself and brother in the moment. We had been drinking, and he wanted to take a photo of me or some reason I dont remmeber why I believe he used a snapchat excuse and once again I wasnt in the best state of mind due to being under the influnce. I never seen what was on the phone or anything, all I know and was led to believe was it was just a photo. I wasnt thinking of pursuing legal measures but after all the proof I've submitted with all the documentation, I have been in contact with a credit lawyer about my situation, I have been submitting all the documentation I can. Thankfully he has been in contact with the reporting law enforcment agency, the DMV, and will hopefully pursue other options once reviewing my case more. I am going to end up pursuing this is court as I have provided everything I could as well as a statement of facts and they do not want to believe it regardless of proofs. So I am filing another formal complaint as proof, I will print this out with the creditors repsonse and give it to my lawyer. I hope by then we have enough to file a case in court but I will keep everything updated. The fact they used an invalid Identification to sign up as well. No matter what security measures you have in place, someone will always find a way to get past them. Its just how the world works and its facts. Theres fraud everywhere. All you can do is try to limit it. This is an example hugely of a company being taken advantage of and getting infultrated internally. I have disputed it with the credit agencies with no luck.

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