Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Statement of Complaint against Experian Credit Reporting Bureau I have credit history dating back to XXXX, XXXX ( 35+ years ) and have made a life long commitment to maintain and protect my excellent credit standing. Several years ago, it came to my attention that Experian is not receiving or storing any of my credit data. This has resulted in several denials of credit and/or higher interest payments or charges. Both XXXX  and XXXX have fairly accurate accounts of my credit history. Below, I have listed for comparison the number of accounts that appear on each credit agencys report : EXPERIAN : 1 XXXX : 16 XXXX : 12 Revolving credit 4 Installment loans 3 Mortgages Timeline of Events XX/XX/XXXX Denied credit by XXXX XXXX XXXX due to lack of credit reported by Experian ; unable to generate a FICO score Called Experian in which they denied any accountability and advised me to contact my creditors to ask/ensure they are reporting to Experian. Called two of most current creditors and was told by both XXXX XXXX and XXXX that they do in fact report to all three credit bureaus ( both creditors appear on other two credit bureau reports ). I received a letter from XXXX XXXX stating so. I also submitted a formal request to XXXX asking them to re-insert credit reporting to Experian and am aware that XXXX internal documentation states they force reported my data to Experian on XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX Applied for auto lease through XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I was initially declined the auto lease due to the fact Experian could not generate a FICO score. I requested they submit a new inquiry with another credit bureau and was granted the lease but at a higher monthly payment and less annual miles allowance. All lease payments made ( to XXXX XXXX XXXX ) on this vehicle were on time and are properly reflected in my XXXX  and XXXX  reports however they do not appear on the Experian report. I called Experian again and after hours on the phone was unable to move forward with a resolution. 
XX/XX/XXXX Beginning XX/XX/XXXX through XX/XX/XXXX I inquired against my Experian account 14 times and finally called them again at the end of XXXX as they were still not generating any credit data on my behalf. I followed up with Both XXXX XXXX and XXXX to confirm they are indeed sending my information to Experian. I have one letter from XXXX XXXX confirming they are ( attachment ). 

XXXX, XXXX I applied for a credit card with XXXX, underwritten by XXXX XXXX Bank, to take advantage of a promotion offered by XXXX XXXX. Again, I was denied credit ( letter of declination attached ) and lost out on the promotion because Experian did not generate a FICO score due to too few accounts on file reported recently. 
Clearly this situation is negatively impacting my financial health. I spent another day on the phone with my creditors and with Experian ( XX/XX/XXXX ) to try to resolve the situation and am still unable to get proper assistance from Experian in resolving this issue. It is quite obvious to me that the problem lies with Experian and not my creditors, yet Experian continues to fail to acknowledge any responsibility nor to assign this problem to any one within their organization to research and resolve. At this point I need to enlist the help of outside agencies to help me get this problem resolved. 
Please accept this statement as a formal complaint against Experian. I can be reached as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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