Consumer complaint received 2025-01-14 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 am formally filing an identity theft report and providing evidence to dispute a fraudulent loan with XXXX XXXX XXXX that has not been removed from my Experian credit report, despite my repeated attempts to resolve this issue directly with XXXX and Experian. 

This situation has significantly impacted my credit score and limited my ability to secure financing over the past several months. I have never applied for, authorized, or opened any loan or account with XXXX XXXX XXXX. 

Between XXXX and XX/XX/year>, my credit report showed multiple fraudulent inquiries, credit information changes, and payday loans. It appears that someone illegally obtained my Social Security number and used it to add fraudulent addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone numbers to my personal credit profile. This individual applied for multiple credit cards, took out numerous payday loans, and made unauthorized online purchases. I first discovered this fraudulent activity in XXXX, and while I managed to resolve most issues directly with creditors and the XXXX major credit bureaus, XXXX creditor, XXXX XXXX XXXX, continues to falsely assert the legitimacy of a fraudulent loan. Furthermore, Experian removed this XXXX XXXX XXXX from my credit history when I originally disputed the item in early XXXX, however, around XXXX or XX/XX/year> the fradulent XXXX  loan was then added back to my Experian credit history but under a different address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The loan from XXXX, XXXX was allegedly opened around XX/XX/year>, to purchase items from XXXX for {$670.00}. I did not receive any items from XXXX around this date, and my XXXX account ( associated with my email, XXXX ) reflects no matching purchases in XXXX or XX/XX/year>. XXXX XXXX XXXX has refused to remove the fraudulent loan from my credit history. Unfortunately, I can not access the fraudulent account because XXXX XXXX XXXX has not provided vital account details, including : ( 1 ) The original email address and phone number used to open the account on XX/XX/year>, ( XXXX ) The XXXX XXXX XXXX with the purchase, ( 3 ) The item allegedly purchased, ( 4 ) The address to which the item was sent, ( 5 ) The reasons for the initially removing the fraudelent account from all three major credit rating agency reports in XXXX and then the subsequent reopening of the fraudulent account, which appears to have been only added back to my Experian credit history on around XX/XX/year>, under a different fraudulent address shortly after I reported the loan. 
( XXXX ) the original loan documentation with a signiture. 

XXXX, XXXX inaccurately insists that the original address used for obtaining the loan, either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, is accurate on my credit report, despite my never having lived at either address. Consequently, Experian refuses to remove the fraudulent address because XXXX, XXXX claims the account is legitimate. Now I can't get it removed from my credit history because XXXX XXXX refuses to report the account as fradulent. Furthermore, Experian temporarily removed this account from my credit history when i originally disputed the item and it was later added back to my experian credit history at a later date under a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am confident that further investigation will reveal that this purchase is not associated with me. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX, they continue to request that I sign into an XXXX account to view loan details an account I do not have. I believe XXXX XXXX XXXX lacks sufficient procedures to detect fraudulent activity and address errors on credit reports. Since XXXX, I have spent countless hours attempting to resolve this issue, only to face additional challenges. XXXX, XXXX 's website does not provide a direct contact number, and when I did manage to speak with someone, I was directed to fill out forms on their website that were inaccessible. When I requested these forms be emailed to me, I only received links to the same non-functioning pages. 

Thank you for your attention to this urgent matter.

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