Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX XXXX for their ongoing refusal to remove a fraudulent auto loan account that was opened using my stolen identity. Transunion, EQUIFAX and Experian has incorrectly assigned this fraudulent account to my credit profile as a result. 

I am a victim of identity theft. Someone used my stolen drivers license and Social Security number to fraudulently obtain an auto loan through XXXX XXXX. I did not apply for or authorize this loan, and I had no knowledge of it until I reviewed my credit report.

Upon discovering the fraud, I took the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) Filed a police report with local law enforcement Filed a mail fraud complaint with the U.S. Postal Inspection Service Placed fraud alerts with all three major credit bureaus ( Equifax, Experian, TransUnion ) Sent a formal dispute and cease-and-desist letter to XXXX XXXX In response, XXXX XXXX  has claimed they conducted an investigation and verified the debt. However, the only so-called evidence they provided consists of data that confirms my personal information was used such as the stolen SSN, a fraudulent address, and fake bank account information. This information does not prove that I personally applied for or authorized this loan.

They have failed to produce : Any video, photo, or physical evidence of me initiating the loan A signed contract or verified e-signature log Any IP address or geolocation data confirming my involvement Any documentation that ties me to the address or bank accounts used I have never lived at the address associated with the loan, nor have I ever opened the bank accounts tied to the application. All evidence provided supports the fact that my identity was stolen, not that I owe this debt.

XXXX XXXX is now in violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) for continuing to report known fraudulent information Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that does not belong to me Fair and Accurate Credit Transactions Act ( FACTA ) for failing to block fraudulent data after being notified I am requesting that the CFPB take the following actions : 1. Investigate this matter and require XXXX XXXX to immediately cease all collection activity 2. Require that they remove the fraudulent account from all credit reporting bureaus 3. Demand documentation of the verification methods used, or acknowledge that the debt is invalid and fraudulent 4. Ensure compliance with federal consumer protection laws This fraudulent account is severely damaging my credit and causing unnecessary stress. I am prepared to escalate this matter legally if it is not resolved.

Thank you for your time and attention to this serious matter. Please find attached copies of my FTC Identity Theft Report, police report, formal dispute letter, and all communications with XXXX XXXX

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