Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
My score was dropped XXXX points on XX/XX/XXXX when Experian removed my XXXX XXXX {$25000.00} credit card account details from my credit file. When I noticed it I submitted dispute report XXXX with Experian on XX/XX/2021. An affidavit was submitted that has not been rebutted or acknowledged. On XX/XX/2021 XXXX XXXX XXXX XXXX reported this account again on it's scheduled reporting date bringing my score back up XXXX points after it reinserted back into my file. On XX/XX/2021 Experian reported an updated balance of {$6200.00} dropping my score by XXXX points. This was done maliciously as the account details were already reinstated by by my creditor on it's scheduled report date. The account details were no longer in question after the creditor reported my account, only the high balance remained in question. This balance is not a reporting statement nor is the high balance that is being reported. I have reason to believe that mainly this bureau is intentionally & willfully hurting my credit rating. This was the results of my dispute. This is what they've been doing when I've challenged them. This is a repeated offense of Experian with this account. I removed an exceptional XXXX XXXXXXXX account after the bureaus stopped reporting for 5 months the accurate balance to reflect a high utilization balance negatively impacting my score every month there after until I had to close it after the creditor themselves informed me they weren't sure why it was updating when they report every month. This current account has been exceptional since it's inception. When Experian notices me monitoring my credit or extending myself for credit this tends to coincidentally happen. Please refer to complaint ID 's below for full records of names, dates, and documents stating my case. 

Complaint ID # XXXX was marked closed as a duplicate by Experian while this specific complaint provided all statements up to date that the prior Complaint ID # XXXX did not consist of. Those files included in the dispute shows irrefutable evidence that Experian 's reporting of account high balance was inaccurate. 

Complaint ID # XXXX was disputed due to the above mentioned account being removed completely from my credit file. It was closed with CFPB and later stated that account details were verified with the creditor. 

Complaint ID # XXXX was a dispute for inaccurate highest balance being reported by Experian. It should never had been marked as a duplicate. They were two separate disputes. This complaint is well pass the 30 day mark which they have failed to comply with. 

Attached you will find affidavit submitted to Experian Reports that reflect how Experian drops my score whenever it increases How the account was reporting when I disputed it on XX/XX/2021 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 non-monetary relief