Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian Credit Reporting Agency is the most despicable company on the face of this earth as evidenced by their XXXX star reviews on multiple websites. How this company has operated so long without oversight is beyond me. This is a major credit reporting service is a sham but more and more financial institutions are moving to their service. Why, because their scores are much lower without justifiable reasons therefore allowing banks to charge higher interest rates on loans or denying loans all together. I know because this happened to me. I was also charge extra for my car insurance in North Carolina because they said my credit score had dropped. I see this as irrelevant because I was paying for 6 months in advance with a direct payment from my bank. How is this even legal? 
I have made numerous complaints to Experian about multiple issues and all I get back is a generalized email which does nothing to correct the problems. Please ask Experian for all complaints from me and all their emails to me concerning those complaints. The last email told me they do not do their own score but they are a third party reporting website. I rate this company the same as car title loans and usury financial institutions. When I first joined Experian their Boost program was optional. I joined thinking this would help my score. I then realized that they were showing my utility bills as debt rather than expenses and billing it to my bank credit card, This is false as all my utility bills are bank drafts and may be viewed as an expense but not as a debt. I withdrew from their Boost program and they immediately dropped my score by XXXX points although my credit history had not changed. Again with the sham program. Once I had left the Boost program a phantom program appeared showing I owed {$450.00} to this phantom account on my phone app. This does not appear on my Experian report and only on their phone app. They replied I need a financial advisor. No, I need them to fix their phone app program. How can anyone trust a company they cant correct a simple app? I have deleted my cache and data from their website and uninstalled their app. I then waited a few days and reinstalled their app to see if they the problem had been corrected ; it did not solve the issue. 
Experian Utilization Report shows me correctly as XXXX debt and XXXX percent of my credit available to me yet only rates me as Very Good. This should be Exceptional because it is perfect and can not be improved on. Why is this important? This rating accounts for XXXX percent of my score and is a major factor in getting my score correct. This isnt a 3rd rate company ; it is about a XXXX rate company. When ask to explain this simple concept, they replied, its complicated. My other scores are well over XXXX. 
Experian now requires that if I connect my bank records I must use Boost and share my information with XXXX. There is no way to opt out of either of these programs. I am also inundated with solicitations for credit cards which I already have. I have seven credit cards and all are used every month. I immediately pay those charges the day they are made but it may take 3 days to post to the credit card company. Sometimes my payments reach them before my charges are posted to their account. I have been doing this over a year but Experian keeps my score stagnant, around XXXX to XXXX. You may check with any credit card companies that I use. 
Experian is a XXXX  company and uses their website to promote an upgrade to their premium account to improve your score and promotes credit card companies even though I already have most of those cards. They cant get anything right. It is just a money grubbing site that does not accurately reflect the customers FICO score. If there is ever a lawsuit against this company, I wish to be the lead plaintiff.

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