Experian Credit Reporting Complaint

Experian Credit reporting department,

Credit monitoring or identity protection Problem with fraud alerts Arizona

Applied for credit to refinance a loan but got denied due to credit management and I had been trying to build up my credit score for this reason it was going to help my family avoid interruption on our bills and keep us fed by lowering my payments but because of my identity being combined with my Son who is applying for Credit and getting denied, I was denied for loans to refinance. We have checked both of our credit reports and we have exactly the same report down to my car payment history which should not be any where near his credit! I just do n't understand how much one has to do to monitor your credit when you are supposed to be assured that its getting monitored already by Experian, it is supposed to have caught the errors and notified me, and is n't identifying a person identity supposed to be that verification of a identification making sure social security number matches the person? What kind of system is that?