Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: NE
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:
The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX United States of America Being a unique consumer, today I am filing my complaint against the credit bureau company called Experian XXXX. Experian is an XXXX multinational consumer credit reporting company working in the United States XXXX Besides XXXX and XXXX, Experian is one of the major consumer reporting agencies in the United States. My complaint is unique because it is not fitting to your given options that's why I have to choose the closest option to continue with complaint filing process. 
Today I am filing my complaint against Experian because I am a victim of Experian 's institutional level discrimination since the beginning of second quarter in XXXX. This is because I started criticizing Experian for their illogical credit scoring policy for millions of consumers. Experian 's credit score determination criterion is vague, murky, and lacks transparency. Due to my negative opinion and criticism on public platforms like XXXX, Experian as an institution has become personal with me. That's why Experian has adopted a revengeful policy against me by intentionally keeping my credit score low by more than XXXX points below what I am otherwise deserved for. On the other hand, my credit score with XXXX and XXXX has been in XXXX range ( XXXX  ) through all months in XXXX. 
Before my dispute with Experian began in XX/XX/XXXX, my credit score used to be in XXXX range As an example in XX/XX/XXXX, my XXXX  credit score was XXXX with 20 % credit usage with no late payment, and shorter credit history. Now after a year with credit usage less than 5 % with continued on time payment, and longer credit history, Experian has deliberately held down my credit score in XXXX range merely to punish me for my negative opinions about their flawed business model. XXXX years before with much more short credit history, and credit usage about 20 % my XXXX  credit score used to be in XXXX range. I reached credit specialists of my credit cards issuers ( banks and financial institutions ) about this issue and they told me that even 25 % of credit usage is considered healthy if consumers pay it on time. 
But since XX/XX/XXXX, my credit score is kept below XXXX  by Experian despite continued excellent credit management performance. As an XXXX XXXX XXXX XXXX, I know much better than average consumers on how to well manage my credit cards balance and payments. This is because I have much better knowledge of financial literacy, personal financing, and financial management to preserve personal financial stability. Another harmful practice with Experian I have noticed is that they are very quick to reduce consumers credit score on very ordinary credit usage report from lending institutions but act very slowly on highly positive credit usage performance reported by lenders. Experian has told me that consumers score is increased/decreased by XXXX. I was told by XXXX  that consumers score is not determined by them, they just provide criteria to consumers reporting agencies. XXXX  was right in the sense that other consumers reporting agencies also use XXXX scoring model. 
I am wondering why these so called credit bureaus ( consumers reporting agencies ) are not audited by government, and are held accountable for their misdeeds toward consumers. I would request impartial auditors to look into unfair business practices of Experian, and do comparative analysis of credit history with other consumers with similar financial situation. Experian is destroying my life by adopting revengeful policy towards me. This is because if I apply for a mortgage loan today, lenders not only charge high interest rate but also approve loan much less than my needs. However, if Experian is fair with me my extraordinary credit management performance entails my credit score to be in XXXX range. Thats why I have postponed buying a home time and again since XX/XX/XXXX on account of heartbreaking Experians unfair consumer policy with me. Is there someone in authority to ask Experian why they are XXXX XXXX potential consumers like me? 
Its very difficult to reach a human being to talk to in Experian because this company is overly dependent on robots. Even after reaching a human after a lot hustle and bustle the responder is not a technical person who do not understand consumers problems, and convince them accordingly. I have communicated with Experian through emails and XXXX  Messengers chat however their responses are always not convincing. Unlike XXXX and XXXX, Experian does not provide free credit file locking service. Experian charges $ 10/month or $ 99/year on consumers to lock their credit files. Millions of low income consumers can not afford to pay for keeping their accounts locked with Experian putting them at high risk of identity theft. As explained above, with Experian before XX/XX/XXXX my XXXX XXXX used to be in XXXX per XXXX  scoring model used by Experian. But since I have started criticizing, this company has been continuously on revengeful policy with me. I want Experians most qualified financial experts to respond to my questions on technical basis. Otherwise I want them in the court of public to defend their biased credit score determination policy towards me based on technical grounds. To substantiate facts, I have attached PDF copies of emails and XXXX chat with this complaint. 





Sincerely Yours 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