My Experian " XXXX XXXX XXXX '' shows that on XXXX/XXXX/15 XXXX XXXX reported a new account under my name, the balance being {$38000.00}. ( Please see attached screen shot ). I never opened an account with XXXX nor did I take out any financing that might be underwritten by XXXX. 
I assume this to be a case of identity theft / identity mismatch. I took it up with XXXX XXXX who could not find an account held by me, XXXX XXXX XXXX referred me to Experian. 
I further discussed the case with Experian, as the account does not appear on my credit report, but only in the " XXXX XXXX XXXX '', I can not file a formal dispute.