Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 Experian Company manipulated my credit score down by XXXX points. I exhaustively tried contacting them as to why they decided to do decrease my credit score significantly by XXXX points. They do not and will not provide a phone number to contact support in anyway. Their automated phone system is designed to not allow service or support to the people they are claim to be serving. I complained before ( Complaint ID XXXX ) and got a non-answer in reply from Experian Company . Everybody knows how credit scores are suppose to work but my question has always been why Experian Company specifically MY CREDIT SCORE. I replied back within the limited amount time to Experian Company but Complaint ID XXXX was closed without answers. 

I have requested full credit reports from all three Credit Reporting Bureaus via the phone option. XXXX and XXXX both send me the paper credit reports via mail but Experian has refused to send my credit report as requested. 

XXXX XXXX XXXX simply did not decrease my credit score as it would have reflected on my XXXX and XXXX credit report as well that were done after Experian Company manipulated my credit score significantly XXXX points lower. If Experian Company wants to claim they do not manipulate credit reports they should note why my credit score was decreased as not one indicator has been shown by Experian Company. Not one thing in any of my credit reports should bring my credit score down by a significant XXXX points. 

Experian Company is in violation of the Fair Credit Act by not indicating the reason to decrease my credit score significantly by XXXX points. Note below directly : Fair Credit Reporting Act 15 U.S.C 1681 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 2 ) Key factor in credit score information. Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 609 ( f ) ( 2 ) ( B ) ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities.

Experian Company is also in violation of the Fair Credit Act for not providing a credit report. Note a direct quote of the Fair Credit Act below : Fair Credit Reporting Act 15 U.S.C 1681 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).

( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).

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