An Obscured Tidal Disruption Event Uncovered by Its Mid- and Near-Infrared Dust Echo in a Star-Forming Galaxy

We present a comprehensive study of an infrared (IR) flare in the star-forming galaxy SDSS J010320.39+140152.5, which is selected from the sample of mid-IR (MIR) outbursts in nearby galaxies (MIRONG). Its MIR luminosity rose rapidly to a peak of $\sim5.4\times10^{43}$ \lum, maintained in the high state for about a year, and decreased continuously afterward. No optical variability was detected throughout the IR flare. Near-IR follow-up observations around the peak pinpointed the flare's location to spatially coincide with the galactic nucleus, with a $3\sigma$ upper limit of the offset of $\lesssim100$ pc. The IR spectral energy distribution (SED) of the flare is consistent with thermal emission of dust with temperatures of $\sim900$ K. Using a dust radiative transfer model, we inferred a peak UV luminosity of $\sim(4-10)\times10^{44}$ erg s$^{-1}$ and a total energy of $\sim(0.9-2)\times10^{52}$ ergs released. We ruled out the possibility of a supernova, and prefer that the IR flare originated from an obscured tidal disruption event (TDE) rather than a changing-look active galactic nucleus (AGN). This flare stands as one of the most compelling cases to date for the emerging class of dust-obscured TDEs in recent years. They are missed by optical surveys, partly accounting for the observed bias in TDE host galaxies, and represent a crucial, yet often overlooked, component for a complete understanding of the TDE population.