Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I may not have selected the right response question box before, my complaint is about Experian Boost App, I tried to check it out on my phone but I got stuck and decided to finish it later, maybe on the computer but I did neither. I started getting emails from Experian about my credit telling me to look, it showed up in my email on XX/XX/XXXX which is the date in my phone of the incomplete app. I basically ignored the emails and I even tried to unsubscribe a few times because I was seeing too many and I had not even really signed up with them but they put me in their system app anyway somehow. By XX/XX/XXXX Experian sends an email telling me my credit score has decreased, I was shocked how was this possible I made no other contacts or inquiries for credit/financial anything not even to them? Now, I did not check in with Experian because I did not think I had an account for the boost yet, but I felt compelled to check the email when they said my score had decreased on XX/XX/XXXX. My score has been around XXXX it went to XXXX in XX/XX/XXXX, I have had good credit for a while now but I had planned to do some tips to bring it up higher trying to get to XXXX so, I was not that desperate for some program for this, but later in XXXX I decided to try the instant credit score increase so with the Experian Boost App, mostly to show my son because he needed help with his score but I told you I never even finished the Boost App on my phone. My complaint is I lost my good credit score rating since coming in contact with Experian Boost App I never receive an instant increase in my score instead I ended up with an instant major decrease, and when I tried to follow Experians tips to help myself by requesting credit limit increase and doing a balance transfer which I was already going to do this year anyway everything got worst. Experian suggested offers for new credit cards matching me, so I could do the balance transfer these caused my credit score to decrease further. In a matter of days, Experian Boost has caused my credit score to decrease right after coming in contact with them through their Boost App and it dropped further when I tried to apply for the matched credit cards they suggested to help fix my instant decreases. So, this was a scam which allowed them to freely monitor and email manipulate me with scare tactics of dropping my credit score and now my score is down to XXXX as of last week from XX/XX/XXXX to XX/XX/XXXX, which I have not seen in years. I never even made a solid connection to get them involved but they were already involved, how? I unsubscribed from them in my email several times before this loss of my credit score occurred but they were still in my email before they sent me the scare tactic email and still currently. Originally, I did nothing for my score to decrease nothing unless my contact with them caused it. I can only attribute this problem happening due to my contact with them through the Boost App. Please help me I will be contacting them again because my first attempt did not go through correctly, this is a really serious problem for me. I tried to upload a document showing my most recent year of credit scores but it was too large I will mail any supporting documents if you let me know to do so. Thank you

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