Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am reporting what I strongly believe is credit manipulation, back dating of false hard inquires, on the part of Experian. 

There are 2 credit inquires on my report that were confirmed to not have happened by two separate Creditors. One of which is from XXXX now and this was not even on my report when I checked it last year in XXXX. So how did this appear on my report in XXXX from XXXX? I want it removed immediately please. 

The first was XXXX XXXX : Apllied first and only time on XX/XX/XXXX However Experian has this and a date of XX/XX/XXXX. I never applied or even visited the XXXX XXXX site before the day I applied on XX/XX/XXXX. 

The second inaccuracy was XXXX XXXX XXXX Reported on XX/XX/XXXX I never applied for XXXX XXXX and a XXXX XXXX in the Delaware office confirmed this today over the phone. 

If this was fraud, the inquiry dates would not appear pre dated this long and years after which is why I think this is an internal cause. 

The amount of time myself/anyone loses over the issues while companies like experian remain almost untouchable while perpetually complicit of negligence, is deplorable. 

*I have a long history of exceptional payment with all credit beaureas, no negative reports, over 710 credit score with XXXX and XXXX but Experian feels my Credit score should have been a XXXX. 

*THE SAME week I applied for a XXXX  card with a credit score minimum of XXXX. 

*Yet, suddenly and after I was denied by XXXX XXXX my score went from that XXXX up to XXXX with Experian a week later ... with no changes with my reporting since my XXXX application on XXXX. 

Somehting is right and I am very interested in learning what and why. 
Although. They also dropped my credit score 79 point *after I paid off the only debt I had of {$240.00}. 
If scores are being falsey reported, there needs to be justice. I almost couldnt have a needed XXXX in XXXX because of the credit inaccuracy last year. I didnt and still dont have ins so the loan was neccessary. 
These matter have a signifficant impact on a persons life and the level of stress it has caused me is profound. 
They were informed about the XX/XX/XXXX XXXX XXXX inquiry and would not acknowledge the issue. So how can it be corrected? No one answers phone at Experian and on 2 occasions last year, one rep hardly speaking English, hung up and another rep also hung up. The level of anxiety I feel dealing with them is unbeatrable. There is no email, no call reps and so we have to write them by mail? So I have to wait a month for them to correct a problem that was not my doing if they correct it at all? 
**Experian is a hard pushing credit card company I feel and its self interest is nothing short of Inside Trading with keeping certain people at certain credit score levels to corral them to these lower score credit companies. 
They should not have so much power and it truly is the responsibility also of the public to contribute to this moderation.

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