Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I've been out of the country since XXXX on work and then my XXXX  XXXX  and I placed a active fraud alert with statement that I would not be in the country for 8 years and please do not extend any credit out in my name at all, I even locked my credit file so I knew I would be protected! I used work with the office of the consumer affairs with XXXX in XXXX for several years so I knew locking your credit file and personal statement and placing a XXXX  XXXX would 100 % stop anyone from using my credit. I guess not! I get an alert on my credit file saying ive unlocked my Experian file and there was several credit inquires from XXXX XXXX XXXX and XXXX XXXX in GA! I called XXXX XXXX XXXX within seconds and XXXX XXXX and told them it was fraud and please call the police please and then called Experian and talk to XXXX in the upper fraud department and she removed the inquires as fraud and placed a phone number on my credit file to let creditors know to call this number before moving forward with any credit. I feel Experian is using every option not help me due to mistakes they made. I hired private investigators to track down the vehicles that were bought under my name fraudulently and returned them to XXXX XXXX. Then Experian removed and Blocked the loans that were taken out fraudulently from XXXX XXXX XXXX off my trade line and a year later they were unblocked and placed back on my credit file. It's like they believe everything XXXX Told them and nothing I stated. I even showed XXXX XXXX XXXX and Experian I wasn't even in the country when the vehicles were bought. So how did I purchase several Vehicles with I wasn't there. Then the police asked the XXXX XXXX and XXXX XXXX at XXXX XXXX for the video footage from the signing of the docoments to purchase the vehicles and they said to the police they lost the footage! yeah right! They vehicles was sold again as they were never even sold under my name fraudulently. How is that possible! I thought they were repoed. They covered there tracks! Vehicles were never even titled in my name. Then I see more loans coming from XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and loans department. I contact them the same day and dealership and they said they would not fund the loan and thank you for calling us. well XXXX AND XXXXXXXX XXXX did fund the loan and the person got the trucks. I disputed it back in XX/XX/XXXX and it was blocked and said it will never come back on my credit file. It did! several months later its back on there. Experian never backs the person they back the banks only with no proof at all from the banks but I've shown 100 % proof, I'm not even in the country to sign anything so how am I buying anything. I need help to remove these fraud accounts from XXXX XXXX XXXX, XXXX, XXXX, XXXX, NC Child support, Several collections and fraud address in XXXX NC and several in NC and SC. Next step in civil actions against Experian for allowing a credit reporting agencies to allowing a person to unfreeze and change username and passwords to buy and get credit under someones name fraudulently.

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