Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir or Madam : I am writing with great concern about inaccurate information about my credit history being used to determine my FICO Credit Score. My FICO credit score used to be in the XXXX, now recently it has fallen to XXXX without any changes to any of my credit reports. I have contacted both XXXX  and, most recently, Experian to try to correct this matter to no avail. 

I have always taken my financial credit history very seriously and have been very diligent in paying all of my debts off in a timely manner throughout my entire life. I have never even had a late payment and certainly not a delinquent account, contrary to the information Experian and XXXX are using to create my credit scores. Somewhere along the line, data about me has been entered incorrectly or files have been merged with someone elses information. 

I called Experian about this problem on XX/XX/XXXX of this year and they were unable resolve anything for me. They asked what account information on my credit report with them was incorrect, but that is the issuemy entire credit report is clean without any negative marks against me, which is not reflected on the FICO credit score they are giving me! 

They were not able to find any negative marks against me on my credit report, but acted like these scores are carved in stone tablets and only the hand of XXXX could change them. They gave me some convoluted maze of logic about the FICO Score Model they use, ignoring the lack of negative information about my history. 

One of the Customer Service reps at Experian told me to get help from a Financial Credit Advisor, insinuating that it is my lack of financial responsibility, when in reality, it is their lack of accuracy and responsibility in safeguarding US citizens financial welfare. An everyday citizens ability to buy a home, vehicle, insurance or get a loan depends on these companies being accurate with these FICO scores. It is the fault of management of these Credit Bureaus for their employees carelessness in handling peoples precious financial information and lack of training in correcting their mistakes. They are great at trying to upsell you on monthly credit report services or somehow boosting your score by paying for it. Try just adding the correct information into peoples files in the first place. 

We are all well aware of XXXX carelessness and lack of security that exposed millions of taxpayers financial information to identity theft. I guess this carelessness is systemic to that industry. Eventually, I hope the US Congress steps in and restructures the way these companies operate. 

I had no other alternative than to pursue this issue through an official government complaint. I have attached my credit reports and screen shots of my credit scores as evidence to support my claims. Your attention to this matter would be greatly appreciated.

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