Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Currently have accounts with XXXX XXXX  and when I check my credit reports it list my scores decrease and I pay credit cards balances off and never been late. Contacted XXXX XXXX  regarding this issue and the response is " we haven't reported anything negative ''. So, when I go check my credit report, it's the same company constantly listing decrease in credit scores. In addition, I utilize my credit cards each month for utilities, to get credit scores up and then I can get away from high interest credit cards and annual fees ( establishing credit, rebuild credit and credit standings ). The credit card company always sending things to encourage you to spend more and we will give you this interest rate on top of your current interest rate for an advance on credit ( never do it ). 
But, it hurts when creditor decrease my scores, why.. because I'm not spending a lot of money, it's because I know what I can and can't afford. Want creditor to stop reporting badly against me to the credit bureaus. My score was above 700 and it's drop since XXXX, more than 30 points. 

Also XXXX  XXXX XXXX  open a new account in my name, when my credit card was lost/stolen and I called to report and my credit report shows I open another account and closed an account, which isn't valid. Now I'm not sure if I have three accounts and it seem like Fraud. 


Hi XXXX, Take a look at the big picture of your credit. 

Credit bureau-logo Experian bureau-logo XXXX bureau-logo XXXX As of Today XXXX FAIR XXXX XXXX What's changed TOTAL DEBT {$72000.00} student debt {$6700.00} Not sure what this is CREDIT USAGE 0 % -5 % XXXX XXXX  image Want to give your FICO Score a lift? Add your on-time bill payments to your credit file with Experian XXXX XXXX free and secure. Learn how Learn more about your credit Protection MONITORED ITEMS XX/XX/11 Manage protection-management-img EXPERIAN CREDITLOCK Unlocked Manage protection-management-img SECURITY FREEZE Frozen Manage protection-management-img Go to protection Explore other actions action-hook-img Add bills to Experian XXXX. Your FICO Score could go up. 

action-hook-img See if your info is on people finder sites with a free scan action-hook-img Protect your credit by locking your Experian credit file Show more XXXX XXXX Does your money make sense?

If you're confused about your overall cash flow, you're not alone. Try our free, secure tool to get a clearer picture of your finances.

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Get free quotes Helpful articles Is No Credit Better than Bad Credit? 
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XXXX XXXX More credit education Credit report changes See how changes to your Experian credit report can impact your credit and finance journey. 

Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HARM Your total credit limit decreased by {$1500.00} Your credit limit decreased from {$2000.00} to {$500.00}, which typically means either a lender decreased your credit limit or you closed a credit card account. 


A lower credit limit can make it harder to maintain low usage, which can harm your credit. 


COULD HARM Your total balance on all accounts increased COULD HELP OR HARM Your number of open revolving accounts decreased by XXXX COULD HELP OR HARM Your number of open installment loans increased by XXXX COULD HELP Your credit utilization decreased by XXXX XXXX COULD HELP The age of XXXX credit factors increased COULD HELP The balance of XXXX account decreased Make your money go further Inflation is making many basic living costs more expensive. If your budget is under pressure, see if your personalized savings plan can help you find ways to cut costs. 


My savings plan Was this helpful?

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 non-monetary relief