Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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 have been extremely hard at work getting my credit scores up. For some reason, the only credit score I have that is not reflecting positive changes is my Experian score. It has not moved a single point in a positive direction all year. Where as my XXXX score has gone up 80+ points and my XXXX has gone up 65+ points since the beginning of this year. I am desperate to improve all three of my scores, as I am buying a home, and a better score will afford me a better interest rate, which is something I need as a XXXX mother of XXXX, in order to afford to move forward. My XXXX score is nearly 700, and my XXXX score is well over 650. I feel as though someone is not doing their job, or perhaps an entire department is lacking for the credit reporting agency I am referencing, Experian. 

One of my credit cards is still not reflecting on my Experian report, which may be a factor as to why my score has not improved or moved at all. I have called and reported this issue to both my credit card company which assured me the information has been transmitted to all 3 agencies every month. I called Experian customer service on three separate occasions to resolve this, but they were no help and blamed it on my credit card company. I was told and I qoute " There is nothing I can do to help you, call XXXX XXXX ''. XXXX XXXX  stated they sent the correspondence to Experian at the initiation of my account. The other two agencies both XXXX and XXXX have corrected all errors, and include each one of my cards. They have deleted most inaccurate information and my scores went up significantly. 

XXXX XXXX instructed me to send them a letter so they could reach out to Experian, I did so over 60 days ago and have heard absolutely nothing back from Experian. I need my Experian score to go up. I can not understand why it has not. Especially because there is such a large discrepancy between the other two credit reporting agencies. Currently my Experian score is XXXX, and my XXXX score for example is XXXX. Typically I would assume, there are not such large differences in the scores. 

Experian company claimed that they sent me correspondence regarding an initial complaint I filed in reference to disputed items on my credit report that are fraudulent, inaccurate or otherwise outdated. I did not receive summaries of the disputed items that were removed, or those that the company claims should legitimately remain, as Experian stated, although, I still dispute that. I do not believe their investigation was thorough enough, as I still believe the information on my file that still stands is outdated, inaccurate, or straight up fraudulently reported by the agency of collection itself. It is my intention to seek retribution for any and all trouble these continued issues have and will cause me in the near future during my homebuying experience. 

As a XXXX mother to XXXX children, it is of the utmost importance credit agencies report accurate information that has not otherwise been tampered with by collections agencies or even worse yet, original creditors. It goes beyond a simple inconvenience. A credit score now a days, can determine ones livelihood. Especially in today 's world, where anything of value, like a home or car is not obtainable through an outright purchase for most Americans. It must be financed. Credit determines not just eligibility, but also interest rates, which translates to cost of living for any individual. With this Agency holding onto false information, inaccurately reported information, information that is outdated ect, and my score not going up or moving at all, they are causing me direct and deliberate injury both financially and emotionally.

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