Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NV
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:
I Purchased, my home the first part of XX/XX/XXXX. Ive never been late making my mortgage payments. Since then, all my other accounts have been paid on time. For the last four years, my FICA score seems to be frozen. When I purchased my home my score was XXXX. For the last four years its been averaging XXXX. Four years ago a hired a credit repair company to help with my score. I paid him {$500.00}. After one year nothing happened. Later, I thought I would hire a professional credit repair company. I paid them {$5600.00}. After one year my score still stayed around XXXX. Three. year and a half ago I had subscribe to XXXX XXXX I paid them about {$1300.00}. For a year and of course my FICA score still averaged XXXX. So after spending so much money, I decided to try to update my credit score on my own. Ive contacted all three credit bureaus for help. When I contacted Experion credit bureau. They had me do a number of tasks to raise my FICA score. 1st, they had me send letters to all my previous accounts. Second Experion had me send them documents that my car was paid off mid XXXX and all my 6 student loans were paid off and still no change in my FICA. score. Experion also told me to do a number of transactions to file disputes, correct errors on my credit report, send them documents to their customer service department. Fourth when I called the representatives, they act like theyre in training. When I ask them a question they put me on hold for a long time. When they return they couldnt answer my questions??? I told them I mailed some documents return receipt a month before my called. they replied they dont know what happened to my documents both the representative and their supervisor can not explain to me pm what couldve happened with the documents I had mailed to them. They told me they would get back to me with an update. Well, of course they didnt call me. Im asking you to help me with this agency, I will also contact XXXX and XXXXXXXX XXXX credit bureaus to file dissatisfaction disputes with them. Ive lived in my house for eight years now. Ive never missed a payment on any my accounts they are all up-to-date. 
The main reason I want to adjust my focus score is because when I originally purchased my house my interest rate was locked in at 4.5 %. That was a high interest rate when when the interest rates fell two years ago I could not take a vantage of the two and 3 % interest rate that I was eligible for. All three credit bureaus cost me many thousands of dollars because of the incorrect reporting and correction. Ill send you the documents related to this dispute. PLEASE help me have XXXX correct my credit score. So hopefully when interest rates fall again I can qualify to refinance my house. 

Sincerely XXXX XXXX.

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