Consumer complaint received 2019-11-26
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: Their investigation did not fix an error on your report

Complaint:
For over 6 months Experian 's credit score has not matched or been close to XXXX  or XXXX. When my score there is XXXX and XXXX, Experian will report below XXXX. In fact, they have reported scores as low as XXXX for no known reason. The data on all 3 bureau 's are the same ( i.e. creditors, etc ). 

I have written to Experian many times and the most recent was XX/XX/XXXX ( which took over 1-1/2 months to respond ( beyond the 30 days ). I included my personal information, my Experian account number, and my social security info. Despite this, Experian responds to me on XX/XX/XXXX stating : " We are unable to honor your recent request because you did not provide sufficient identification information for use to verify your identity, or the information that you provided was not legible ''. 

It was a typed letter in # 12 font, Times New Roman ... a common type used by company 's, the letter was very clear and again, included all personal info and soc security information. In my past letter I even send a copy of " their Experian Report '' stapled to the letter .... nothing changes. 

Experian has been horrible over the past year or so, nothing but issues with them including not protecting my data from theft. I contacted a 3rd party and before my recent purchases ( this XXXX/Black XXXX  ), the company said there was no unusual spending or excessive spending vs. limit ; I was averaging 3 to 4 % use of total credit. They could not explain why Experian has been as much as 40+ points lower than XXXX  or XXXX  XXXX 

This has caused me harm. I was working with a home lender and he wanted my scores over XXXX ( the higher the better ) to give me the best loan. When XXXX  was XXXX and XXXX XXXX, Experian had me at XXXX or so for no known reasons and they would not explain why they are reporting such negative scores, nor can they explain why when I write to them in " typed '' letters, they say they can not verify me despite all the personal info given. 

The XXXX  XXXX  score model has issues. You can not use the same score model on the other 2 bureau 's and have a higher score, and Experian a very low score ... they should all be the same if reporting the ( same ) accounts using the same variables. 

Experian needs to be investigated for basically " Fraud '' reporting. Finally, Experian also offers ( for a {$4.00} fee per each item ) to add your cards, your mortgage, loans, etc for a score increase. " Build Your XXXX  Score Bundle ''. In essence, they are charging customers a {$4.00} fee per loan or card in order to boost and/or report a correct score. 
This is Fraud. They are reporting a lower score and then wanting you to give money to boost and report a higher score ... .. I have pics of their web site if I can attach them here I will. 

Finally, their Experian Boost is a joke. I have given them the information required ( cell, cable, etc ) and despite this, and copies of my banks transaction record ... they say they can not find the accounts. I have had a cell phone since the XXXX 's - same number and paid on it like my car insurance for he past 40+ years, yet they can not find my payments on my checking account and give my score a " boost ''. Just another scam by Experian. With their lack of consumer protection against Fraud and hacks, not sure if I should have allowed them access to my accounts.

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