Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The date is XX/XX/XXXX my incorrect XXXX XXXX is XXXX. Yes, Im very much still dissatisfied with Experian and XXXX XXXX XXXX. You know darn well my credit score is still incorrect!! See attachments! I filed disputes with Experian online, talked with multiple XXXX there, sent certified paperwork XXXX, sent so much, easy to read paperwork and attachments, showing I had the loans through XXXX and am paying on them monthly. Through all of my efforts Experian refused to change my XXXX XXXX XXXX XXXX back to OPEN status on my credit report. These are the XXXX EXACT XXXX XXXX  XXXX XXXX Experian began reporting as OPEN on my Credit report since XX/XX/XXXX and XX/XX/XXXX. Your company has my file, do not act dumbfounded!! Do not mix my words around. These accounts were not listed as OPEN until after I filed my first Dispute with XXXX The date was XX/XX/XXXX you listed them as being re-opened. My XXXX should have been added back to my score on that day. You know darn well Experian closed my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( Experian will not own up too or state the obvious that Experian CLOSED my XXXX XXXX XXXX XXXX ) Which, due to losing these years of credit history continually decreased my XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX is the day Experian FINALLY started showing my XXXX XXXX XXXX XXXX as OPEN and started showing my correct amount of loans and my correct debt amount. I check my credit report every day! Dont patronize me and portray as if I dont know what Im talking about. I am still disputing my incorrect credit score of XXXX on XX/XX/XXXX! Experian decreased by credit history/credit score/ by XXXX on XX/XX/XXXX and XX/XX/XXXX my score was decrease again by XXXX due to EXPERIAN CLOSING MY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX that needs to be added back to my Experian XXXX XXXX!! Furthermore, from XX/XX/XXXX through XX/XX/XXXX Experian has been basing my credit score/increases on incorrect information. Not enough information. So my credit score should be XXXX XXXX pts which equals XXXX and more points through these months of incorrect credit reporting. I have EXCEPTIONAL payment history. I have XXXX credit cards that are paid off to XXXX balance every month. I have XXXX Navient Student Loans that I have paid every month on time. From XX/XX/XXXX through XX/XX/XXXX I have paid a total of {$3100.00} on my student Loans but Ive seen no increase in my credit score??? In XXXX months. Hmmm, doesnt look or sound right to me. I know that the lower a consumers credit score is, the more interest one has to pay, for the life of a loan. So this incorrect reporting has robbed me of my credit score potentially being increased during those months for my exceptional payment history!! I have no issues with XXXX or XXXX reporting! Through firsthand experience I see why Experian has very bad reviews. Experian is no better than some crook on the street. You just do your dirt in a structure setting called a Business. Experian is a horrible, very dishonest company and I have lost all respect! Moreover, I will continue to dispute my incorrect credit score!!

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