Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
So was born and raised in XXXX. When the war began, my wife and I were forced to leave everything behind. We didnt know the U.S. system at all and relied on a person who offered to help with paperwork and housing. We trusted him because we were desperate. After we received our immigration documents, we discovered he had quietly taken our personal information, Social Security numbers, addresses, everything and used it to open credit cards in my name. We have since learned that he has done this to other refugees as well.when I finally pulled my credit report, I found accounts that I never opened or even knew existed : a XXXX account showing an opening date of XX/XX/XXXX, and two XXXX XXXX XXXX accounts, one opened on XX/XX/XXXX and another as far back as XX/XX/XXXX when I WAS NOT EVEN IN THE STATES AND I WAS A RESIDENR OF XXXX. Each shows a XXXX balance, but the damage to my name and peace of mind is real. These accounts were never mine, and I never authorized anyone to open them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} I filed a formal Identity Theft Report with the Federal Trade Commission and spoke with a federal agent about the case. And the all the bureaus DID ABSOLUTELY NOTHING. I filed a formal Identity Theft Report with the Federal Trade Commission and spoke with a federal agent regarding the case. Despite this bureau have failed to take any corrective action or even provide a written response to my disputes, which were properly filed under the Fair Credit Reporting Act ( FCRA ). I have repeatedly called and sent my documents. Each time I am told something different one bureau says my FTC report is invalid, another says my ID is missing, even though I have sent it multiple times. Whenever I ask to speak with a supervisor, agents hang up on me. I have all timestamps, call logs, and proof of these interactions. Their continued refusal to investigate, respond, or correct my file constitutes a violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681g Failure to provide complete information 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block fraudulent information after receipt of an Identity Theft Report This neglect has caused significant emotional distress, XXXX, and reputational harm, as I continue to face the stigma of fraudulent accounts attached to my name and identity. 
I hereby demand that the fraudulent accounts listed above be immediately removed from my credit file and that I receive written confirmation of this correction. I further demand that the credit bureaus comply fully with the FCRA within 30 days of receipt of this statement. If no action is taken, I will initiate legal proceedings for willful and negligent noncompliance with the FCRA and for the emotional distress and damages caused by this continued misconduct.

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