Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulledXX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My XXXX XXXX Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My XXXX XXXX Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXXand XXXX  bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( XXXX  : XXXX  > XXXX  ), 0 points ( Experian XXXX  > XXXX ), and -1 point ( XXXX XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXX for all three bureaus. You can review the soft XXXX from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.

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