Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I have had two car loans, through XXXX XXXX XXXX XXXX XXXX XXXX, which still do not show up on my credit reports.. I have unscucessefully, tried for nearly two years to get this information updated on my credit! 

I have repeatedly contacted XXXX XXXX XXXX, who claims they submitted the info on these loans. And when they still haven't shown up I requested documentation from them, for me to submit, to the Credit agencies, which has been done TWICE already. I sent a formal request to all three credit agencies on XX/XX/18 and again on XX/XX/18 asking them to update my credit score to reflect two car loans that were paid off early! 

I asked that they update my credit score, and, send me a copy of my updated credit report reflecting those changes. To this date, they have refused to do either! This is deeply and profoundly affecting several aspects of my life and is not only unfair, at this point I feel is illegal!!! 

I could not rent an apartment because of my credit score not being accurate! I am being charged higher interest rates, and insurance rates, because of my credit score being inaccurate! And now I can not even apply for a loan due to my low credit score, which is not fair!! I do not have bad credit, I just have NO open credit accounts showing, which clearly effects my score in a very negative way! This is not accuarate and not fair!! 

I have had two recent car loans that have both been paid off, early, which they REFUSE to update, even after repeatedly submitting the proof they need. And honestly, in this day and age, could easily be verified in FIVE MINUTES!! A simple phone call, fax, email, any attempt to confirm these car loans should have been done by now!!! 

Yet, for nearly two years I have been waiting to see these loans reported, which will drastically improve my credit score! 

I should not be punished for their failure to accurately report my credit score!! I am beyond livid now knowing I have been penalized repeately, charged higher rates and even denied a place to live, all because they REFUSE to do their jobs!!! 

There needs to be a way to hold these credit agencies accountable for the impact they have on our lives! 

There also needs to be clear steps consumers can take to ensure that the credit agencies update accurate information! My old car loan is not on there, even though it was through XXXX XXXX! My home loan is not on there, mortgage is paid in full and deed is in my name, free and clear ... .yet no mention of it on my credit reports! And obvioulsy no way to get them to properly update my credit! This is so frustrating!! 

I work 2-3 jobs to make sure my bills are paid on time! I had lived nearly debt free for over a decade. I own my own home and car, paid if full, yet somehow have a poor credit score?! People with bankruptcy and charge offs have a better credit score! This is absolutely unacceptable! 

I want to exercise my rights to the fullest extent of the law to force these credit agencies to report accurate information immediately!! I am sick and tired of being punished and discriminated against due to their failure to properly report accurate information!!!!!

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