Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For years now Experian has been deliberately and wrongfully altering my credit score. I have written too many letters filed too many disputes to no avail. They disregard my supporting documents and I am not treated in the same manner as other patrons. Very similar to you. The most recent involves a loan with a company XXXX XXXX which claims to be based in XXXX. However has location in the States. This past Thursday I submitted an application for financing. Prior to submitting it I called and spoke with a financial rep. I requested the qualifying criteria. I was told the lowest qualifying score was XXXX. At the time of the submission my score was a XXXX. They sent a confirmation stating the results are within a day. I didn't hear from anyone so I called and later I received an email from a XXXX. He requested he was requesting an application and additional info. I informed him that I had already submitted the app and also gave him the ref number. Then it was like some little head game where nothing goes the way it supposed to. I sent some of the additional info but while I was doing that I get an email denying me. This was disciminating and criminal. Because he proceeded to tell me that my score was below XXXX. This was a fabrication as I had my score in front of me online with Experian. I sent him a copy after his request. They then told that the couldn't use it because it was from me. Cutting through the chase this XXXX told me that I'd receive a call from a XXXX. This XXXX didn't call until yesterday evening. I believe they are actually closed at the time of the call as it was a Saturday. She then proceeds to feed me a similar scenario. When I asked for a copy of their report she said she wasn't sure as to whether she could give me a copy. I've been contacting XXXX all week via their website and XXXX XXXX to no avail. Experian has falsly reported that I have been late with XXXX  card even after my sending email confirmations and statements. In fact I've had to file a dispute every month whenever I made a payment to XXXX because every payment they took XXXX to 20 days just to process it. The last XXXX payments I made a XXXX and XXXX payment as I wanted to get rid of them. I recieved the email confirmation for the XXXX and entered it in my dispute with Experian. A days later when I checked my bank acct. They hadn't .processed so I called. The XXXX hung up. So as I only have a credit limit of XXXX I made a payment of XXXX and all i received was a notice regarding to the effect of 7 days/ which I will attach. I was not late with the payments yet Experian lists me as late despite my informing them with proof. I was thinking to utilize my right according to your law. This is what was sent to Experian : I have made a XXXX payment to XXXX each time I make a payment they neglect to conduct themselves legally. I only have a XXXX limit The balance is incorrect ( see payment confirmation ) You won't allow me to submit the dispute just as you've neglected my rights regarding XXXX XXXX. I will also forward the issue to the Federal Attorney General. Because nothing getting done as it should. XXXX is causing problems with an auto withdrawal with XXXX which could affect my credit I want XXXX and XXXX dealt with accordingly. 
XXXX XXXX When you make purchases with your credit card you have entered into an implied contract with your credit card company. Without words actually being spoken, by either yourself or your credit card company, an implied contract is obvious because they provided you with credit to make your purchase and you in turn must return that money. 

CFPB 1026.12 Special credit card provisions c ) Right of cardholder to assert claims or defenses against card issuer Official interpretation of 12 ( c ) Right of Cardholder To Assert Claims or Defenses Against Card Issuer ( 1 ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. 

Today I check my score again and all the sudden they have decreased it down to XXXX as it to make it appear a mistake with the XXXX and the XXXX, but that's not possible as it has been XXXX and XXXX for weeks now. In most cases XXXX should not have even appeared as a negative on my report. These bastards did this to cover for the XXXX XXXX and to cause me ongoing issues as they have been doing for years. My credit should still be a XXXX or greater as i have submitted overwhelming evidence of wrong doing by these culprits. This issue is also criminal as they have conspired these acts. Because no gov't entity has fulfilled their duties these devils continue to do as they have. I should have been approved for the financing and I know that both parties are in cohorts in order to deny me the same rights and priviledges as every other patron. I will also be forwarding this to the XXXX and seeking criminal prosecution. And don't think tha I don't know you are just as much a part of the onslaught as Experian and every other XXXX. But you have record. They you and others continue to push me out of character but sooner of later it's going to stop mock my word.

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