Consumer complaint received 2025-09-26 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 am a victim of identity theft and am filing this complaint against XXXX XXXX XXXX for failing to prevent, investigate, and resolve a fraudulent auto loan opened in my name without my knowledge or consent. On XX/XX/XXXX, while reviewing my three-bureau credit report from XXXX ( Reference # XXXX, dated XX/XX/XXXX ), I discovered an unauthorized auto loan account reported solely on my Experian credit file under XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). This account was allegedly opened on XX/XX/XXXX with an original amount of approximately {$34000.00} ( based on similar legitimate accounts ), but it now shows a balance of {$15000.00}, fully past due, with a status of " Collection/Chargeoff '' and last reported on XX/XX/XXXX. Comments on the report include " Subscriber reports dispute resolved - consumer disagrees, '' " Voluntary surrender, '' and " Unpaid balance reported as a loss by the credit grantor, '' which are all false as this account is not mine. 
I did not apply for, authorize, or receive any vehicle financing from XXXX. I have no relationship with this company and have never purchased or leased a vehicle through them. This fraudulent account has severely damaged my credit profile, contributing to derogatory marks, a lower credit score ( e.g., Experian score of XXXX marked as " Fair '' due to factors like " too many delinquent or derogatory accounts '' ), and potential denials of credit or higher interest rates. The account 's absence from XXXX  and XXXX  reports further indicates irregularity or targeted fraud. 

I previously disputed this account with Experian as fraudulent, and it was removed. However, it has been unlawfully reinstated without proper notification or certification, violating FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion, alongside XXXX failure to verify the accounts legitimacy per FCRA 1681s-2 ( b ), has damaged my credit score ( e.g., Experian XXXX, cited " too many delinquent accounts '' ) and caused financial harm, including potential credit denials or higher rates. The furnishers negligence likely allowed my identity to be misused during account opening. As resolution, I request : Immediate confirmation that this is identity theft and permanent removal of the account from credit report. 
Cessation of all collection activities, reporting, or attempts to enforce the debt.

Compensation for damages, including credit monitoring costs, time spent resolving this ( estimated 10+ hours ), and any financial impacts from the lowered score.

Provision of all documents related to the account opening, including application details, to aid my identity theft recovery.

I have filed a police report and FTC Identity Theft Affidavit. This fraud has caused significant XXXX and harmplease expedite resolution to prevent further damage.

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