Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
Overview : Just recently, I sent a 3-page letter along with proof of my identity to Experian, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, via U. S. Mail. It was dated XX/XX/XXXX. It was addressed to a specific person named within that organizations alleged Consumer Affairs Department. Experians written responses dated XX/XX/XXXX and XX/XX/XXXX amounts to sarcasm and a stubborn, retaliatory type of threat. Their two written communications failed to adequately address my concerns. I am very strongly opposed to being punished for paying off two credit accounts by having to share my personal credit file or claim numbers with one to one million other alleged victims of cyber and other crimes. 

Case History : On or about XX/XX/XXXX, I registered for a Free Membership with a program called Experian CreditWorksSMBasic. It is my understanding, the program allegedly tracks ones credit performance and record resulting FICO Scores based upon that performance. Its performance tracking appeared to be on track until I literally paid off two of two of my accounts between XXXX XXXX XXXX. On or about XX/XX/XXXX, my FICO Score rating went from Very Good to Exceptional. However, this rating was short-lived because on or about XXXX XXXX XXXX, less than 30 days after the Exceptional FICO Score rating was issued and after my accounts were both paid-in-full my FICO Score plunged some 30 points. On or about XX/XX/XXXX, my FICO Score rating plunged another 52 points. Initially, this score plunge was believed to have been due to some lagging credit data transcription on the part of XXXX XXXX XXXX. Then that dragging or lagging problem appeared to have been addressed after I authorized Experian to file a formal dispute. This brings me to another item of prime concern since I was not able to personally file a dispute from my own computer. My entire credit file has been assigned to one specific person within Experians Consumer Affairs Department. My letter to Experian dated XX/XX/XXXX, requested that my file be released from his control, that I do not want to have a personal, one-on-one relationship with a strange male within Experian nor any other agency. Experian replied to me with a letter dated XX/XX/XXXX. In my opinion, Experians letter is non-responsive in that it only contains an abbreviated personal profile on me and a abbreviated payment grid for my one open and my one closed credit account. I mailed Experian complete proof of ID including a copy of my Social Security Number, picture ID and proof of residence. Experians letter dated XX/XX/XXXX, is missing payment data for XX/XX/XXXX on the XXXX XXXX XXXX  account, at this late hour. Experians XXXX report is alleging that XXXX XXXX XXXX  last report to them was in XX/XX/XXXX. However, the Experian CreditWorksSMBasic Website shows the same bank responded to a dispute on XX/XX/XXXX with an Account Paid stipulation. Thus, Im now viewing conflicting reporting data in print in regards to the XXXX XXXX XXXX   account. In regards to this account, some strange activity occurred at the local Post Office when a USPS Money Order was purchased on XX/XX/XXXX to payoff this loan account. The USPS Money Order was either delayed in the mail or, it was not received by the bank in time to beat the due date of XX/XX/XXXX. I made the final loan payment to XXXX XXXX XXXX  on XX/XX/XXXX at about the XXXX CDT hour using the banks online, money transfer feature. The bank then returned the non-cashed, USPS Money Order to me by mail in a letter dated XX/XX/XXXX. I then took the USPS Money Order back to the same local Post Office where I bought it from and cashed it at the window. Other strange activity could be involving at least one Sheriffs Deputy with the local Sheriffs office and some suspicious snooping activity by at least one Police Officer within the XXXX, XXXX Police Department. In both cases, it is quite possible that at least one Law Enforcement from each office are somehow giving the financial institution ( s ) a different name to be added to my credit profile in the form of signs, symbols or just bogus score numbers. Experian and/or some locals may also be accepting some Churchs rumor of death of a family member or kinship by blood or marriage ; one or both parties operating in a vigilante capacity. Law Enforcement could also be just aiding the Church in giving Sanctuary to person or persons known to have committed a violent, felonious crime. As far as Experians role in this mysterious credit scoring activity and in my personal case, on the one hand Im being told that Experian and other designers of credit scoring models review a set of consumers -often over a million- who opened loans at the same time and that the two have a formula used to calculate your credit score. This sounds like Experian is giving itself the authority to manually override their own scoring model, which in my case, the scoring model had already done its work of issuing my credit file an Exceptional rating. In conclusion, some entity appears to be enjoying some kind of unauthorized blanket use of my credit profile. Could it be someone in the banking industry, the credit reporting industry, Designers of credit scores, Law Enforcement? In my personal case, there appears to be some fleecing activity on the part of one vigilante and some skimming off the top on the part of another vigilante. This fast plunging credit score mystery could also just be carelessness due to untrained personnel but it could also be a campaign of harassment with XXXX   intent on the part of XXXX  suspects and/or confirmed thieves. It is now a highly toxic and very dangerous financial market for me. Why would XXXX XXXX XXXX  verify to me in writing in its letter dated XX/XX/XXXX, that my account held with them since XXXX has been paid-in-full and yet fail to send an update to Experian as Experians latest letter of XX/XX/XXXX, seems to be indicating?

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 non-monetary relief