Consumer complaint received 2026-02-04 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:
I am submitting this complaint regarding an XXXX account that appears on my credit report as a derogatory account and does not belong to me. This account was not opened, authorized, or agreed to by me and is the result of identity theft. Despite my efforts to address this issue through proper channels, the account continues to be reported inaccurately. I first became aware of this XXXX account after reviewing my credit reports and noticing a negative tradeline associated with Affirm that I did not recognize. I have never applied for credit with XXXX for this account, never agreed to any loan or installment terms, and never received or benefited from any goods, services, or funds connected to it. I immediately recognized that this account was fraudulent and opened without my knowledge or consent. Upon discovering the account, I took prompt and responsible action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), declaring under penalty of perjury that this Affirm account was opened fraudulently and does not belong to me. This report was submitted in good faith and accurately reflects that I am a victim of identity theft. After filing the FTC identity theft report, I disputed the XXXX account and requested validation. In my disputes, I clearly stated that I do not own this account and that it was opened through identity theft. I requested that XXXX provide documentation proving that I am legally responsible for the alleged debt. Specifically, I requested evidence such as : A signed or electronically executed loan agreement or contract Proof of my authorization or consent to open the account Identity verification records used at the time of account origination Account statements or transaction history Proof that goods, services, or funds were delivered to or received by me Despite these requests, Affirm has not provided competent, original documentation establishing that I am responsible for this account. No signed agreement, no proof of authorization, and no evidence of identity verification tying me to this account have been produced. Without such documentation, there is no factual or legal basis to continue associating this account with my credit profile. In some responses, the account has been described as verified or left reported while marked as disputed. However, simply relying on internal records or automated confirmation does not constitute proper verification in an identity theft case. Verification must be based on actual evidence showing that the consumer opened and agreed to the account. That evidence has not been provided. The continued reporting of this XXXX account is inaccurate and misleading. It falsely represents my credit history and financial behavior and causes ongoing harm. Negative credit reporting can affect access to credit, interest rates, employment opportunities, housing decisions, and overall financial stability. As a victim of identity theft, I should not be required to repeatedly dispute the same fraudulent account or bear the burden of proving a negative when the reporting company can not substantiate its claim. I want to be clear that this is not a billing dispute and not a disagreement over loan terms, balances, or payments. I am not refusing to pay a legitimate debt. I am asserting that no legitimate debt exists between me and Affirm because I did not open or authorize this account. There is no valid contractual relationship. I have acted responsibly and in good faith throughout this process. I reviewed my credit reports, identified the fraudulent account, filed an FTC identity theft report, disputed the account, and requested validation. The failure to correct the reporting despite these steps has left me with no choice but to escalate this matter through the CFPB. An account that was opened through identity theft and can not be validated should not remain on a consumers credit report in any status. Marking the account as disputed or leaving it reported during an investigation does not remedy the harm caused by fraudulent reporting. I am submitting this complaint so that the XXXX account can be properly investigated and removed in full. Fraudulent accounts should be blocked, deleted, and permanently removed once identity theft has been documented and the account can not be substantiated. I respectfully request that this matter be reviewed thoroughly and that XXXX be required to correct the inaccurate reporting so that my credit reports accurately reflect my true credit history and do not include an account that was opened through identity theft.

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