Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: ND
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:
Dear Sir or Madam : On XX/XX/XXXX ( on a Tuesday morning ) I, XXXX XXXX XXXX ( Complainant ) had lawfully checked, her Experian Information Solutions Inc ( Experian ) online credit file account and the Complainant had discovered onto her alert messages webpage that the Complainants Fair Isaac Corporation ( FICO ) version XXXX score had been unlawfully and intentionally changed and programmatically or manually manipulated were not purely reasonable procedures to ensure compliances in applying the Complainants FICO version XXXX score calculation from XXXX XXXX and XXXX ( XXXX ) points to XXXX ( XXXX ) points ; in order to significantly depressed and affected her FICO version XXXX score utilization ratio. See Exhibit A and Exhibit B. 

In violations of the Fair Credit Reporting Act ( FCRA ) statutes are as follows : Title 15 U.S.C. 1681e, Compliance Procedures for reporting accuracies into the Complainant credit file account when the Complainant had legitimately, officially, and legally opened her XXXX XXXX XXXX secure credit card account with XXXX XXXX XXXX  dated on XX/XX/XXXX, which should have not been reported, as status closed by Experian and/or XXXX XXXX XXXX  when the Complainants XXXX XXXX XXXX  secure credit card ending in the account number, XXXX is opened. However, Experian had intentionally disclosed into the Complainant credit file account information section, as the status close when her XXXX XXXX XXXX  secure credit card ending in the account number, XXXX is not close. See Exhibit C. 
Title 15 U.S.C. 1681g, Disclosure to the Complainants ( Consumers ) Experian credit file account for reporting accuracies disclosures from Experian must be clear and understandable to the Complainant in order to allow Experian to follow reasonable procedures to assure maximum possibilities for determining the accuracies of the Complainant information provided by ways of the XXXX XXXX XXXX  who is known as, creditor or grantor. And, Experian had failed to comply with section 1681g ( a ) and section 1681g ( c ) were not purely procedural or technical. Instead, Experian had failed to comply to the FCRA reasonable procedures in order to ensure compliances in these sections stated herein had intentionally harmed the Complainant concrete interests in knowing, what is being reported about her, and the Complainant has difficulties on how she is going to correct these erroneous informations reported lockout into her Experian credit file account dispute webpage. In which, Experian had impeded, blocked, and hindered the Complainant from filing online dispute against her XXXX XXXX XXXX secure credit card ending in the account number, XXXX, as the status close account when her XXXX XXXX XXXX secure credit card ending in the account number, XXXX is open and, not close. See Exhibit D.

Title 15 U.S.C. 1681m, Requirements on XXXX XXXX XXXX ( user ) of the Complainants ( consumers ) Experian credit file account report which requires her to be notify whenever XXXX XXXX XXXX ( user ) have taken an adverse action against the Complainant based on information contained into her Experian credit file account report ( or any other credit reporting agencies accounts reports ). And, the XXXX XXXX XXXX should have also informed, the Complainant that she has the rights to review a free copy of her Experian credit file account report which is stated in section 1681m ( a ) and, in section 1681m ( a ) which asks, if whether the Complainant had been treated adversely on the basis of the Complainants Experian credit file account report information that displays in her XXXX XXXX XXXX revolving account information section, as the status close account by way of the XXXX XXXX XXXX  which is the creditor or grantor. See Exhibit C. 
Now, these FCRA violations statutes stated above are statutes which had affected, the Complainants Experian credit file account FICO version XXXX higher score ratio calculation under those circumstances the XXXX XXXX XXXX  had failed or withheld in reporting to Experian, or Experian had allowed the XXXX XXXX XXXX  to withhold reporting from the Complainants Experian credit file account for her Current Purchase Balance and Credit Limit amounts that significantly depressed and affected the Complainants Experian credit file account FICO version XXXX score calculation outcome. If, the XXXX XXXX XXXX which had withheld reporting away from the Complainants Current Purchase Balance amount as of XXXX, XXXX, in the amount of XXXX dollars ( {$19.00} ) than Experians FICO scoring software application will substitute the Complainants Current Purchase Balance, in the amount of XXXX dollars ( {$19.00} ), as the XXXX Current Purchase Balance amount for calculating her XX/XX/XXXX, Experians FICO version XXXX score. Likewise, if, the XXXX XXXX XXXX which had withheld reporting away from the Complainants Credit Limit in the amount of XXXX dollars ( {$300.00} ), as of XXXX, XXXX than Experians FICO scoring software application will substitute the Complainants Credit Limit in the amount of XXXX dollars ( {$300.00} ), as the Experians Highest Balance in the amount of XXXX dollars ( {$24.00} ) reported into the Complainant credit file account. And, for this reason, the Complainants Experian credit file account FICO version XXXX score was intentionally decreased to the XXXX ( XXXX ) utilization ratio point, as shown in the calculation below : Experians FICO version XXXX score Calculation Analysis When Creditor or Grantor Withhold Reporting to Experian ( including other Credit Reporting Agencies ) If the creditor or grantor does not report consumer Current Purchase Balance and Credit Limit amounts than the Credit Reporting Agencies FICO scoring software application will substitute those amounts in calculating consumer current FICO score. Current Purchase Balance ( Not reported by the creditor or grantor to the Credit Reporting Agency than the Credit Reporting Agency will substitute, as the XXXX current purchase balance amount. ) XXXX Divided by Credit Limit ( Not reported by the creditor or grantor to the Credit Reporting Agency than the Credit Reporting Agency will substitute, as the Highest Balance prior amount ) XXXX The Consumers Experian FICO version XXXX score Utilization Ratio, as of XX/XX/XXXX 0 % And, the Complainant had not received any official letter sent by ways of the USPS in regard to an Adverse Action from either Experian or XXXX XXXX XXXX notifying the Complainant for why her Experian credit file account is reported close instead of open notification in an Adverse Action. 
When, the Complainant had established, the coordinated bargain-for-exchange contract offered with the XXXX XXXX XXXX  is a neutrally bound agreement between both parties during at time of the Complainant who had applied for a XXXX XXXX XXXX  secure credit card application in an acquisition requests acquirements. In order for the Complainant to established, her XXXX XXXX XXXX secure credit card applied application dated on XX/XX/XXXX, she must be contact first ( 1st ) by way of the XXXX XXXX XXXX  Protection Department representative for an identity verification telephone call interview in order for the Complainants XXXX XXXX XXXX  applied application to become completed process. And, the Complainant telephone call conversations with the XXXX XXXX XXXX  Protection Department representative was in regard to her officially confirming, she had indeed opened her secure XXXX XXXX XXXX credit card account application with XXXX XXXX XXXX, in the city of XXXX and in the state of Illinois branch was verified and processed by them dated on XX/XX/XXXX. See Exhibit E ( the XXXX XXXX XXXX Secure Card Application Redacted for Sensitive Information Contexts ). 

In addition, the Complainant had noticed into her Experian credit file account for which, her eight ( 8 ) closed student loans installment accounts should have generated a FICO version XXXX score utilization ratio calculation until XXXX and XXXX of XXXX which has also, significantly depressed and affected her FICO version XXXX score utilization ratio from XXXX  XXXX XXXX  XXXX ( XXXX ) points to XXXX  ( XXXX ) points. And, the Complainants Experian credit file account should have generated a FICO version XXXX score utilization ratio calculation using her eight ( 8 ) closed student loans installment accounts reported from the United States Department of Education / XXXX. 

Therefore, the Complainant is claiming Experian had violated the FCRA by means of refusing to add the Complainant second ( 2nd ) XXXX XXXX XXXX  secure credit card ending in the account number, XXXX to her Experian credit file account. And, the Complainant had claimed, Experian omission, errors, or oversight had intentionally lowered her Experian credit file FICO version XXXX score utilization ratio. In order to prevent the Complainant from receiving a higher credit XXXX version XXXX score utilization ratio ; in order for her to obtain a mortgage loan. And, the Complainant is extremely suspicious that each of the Credit Reporting Agencies are allowing the XXXX XXXX XXXX ( creditor or grantor ) to withhold the Complainants XXXX XXXX XXXX credit limits onto her credit file accounts. When those Credit Reporting Agencies knowingly and willfully knew such omission, errors, or oversight in none reporting acts will frequently lower the Complainant credit file account reports FICO version XXXX score calculations ratios. 

This is the Complainant official statement to why, her first ( 1st ) XXXX XXXX XXXX secure credit card ending in the account number, XXXX was unlawfully closed incident : In addition, on XX/XX/XXXX, the Complainant had attempted a few times to use her new XXXX XXXX XXXX secure credit card ending in the account number, XXXX for the Bath and Body Works online purchase, and she had received an error message which stated : the Credit card authorization has failed. Please re-enter your information or try another card. See Exhibit F. 

After, the Complainant few attempts in trying to use her new XXXX XXXX XXXX secure credit card ending in the account number, XXXX which had failed to process her XXXX XXXX XXXX XXXX online purchase. And, the Complainant had decided, to contact the XXXX XXXX XXXX Disputes Resolution Department, telephone representative by way of telephone communications using her cellular phone number, XXXX which is associated to her XXXX XXXX XXXX secure credit card ending in the account number, XXXX then the Complainant was connected to the XXXX XXXX XXXX Disputes Resolution Department, telephone representative for which, she had stated : You ( the Complainant ) had call us on XX/XX/XXXX, and informed us that your secure credit card was lost or stolen. 

And, the Complainant had replied to the XXXX XXXX XXXX Disputes Resolution Department, telephone representative that : I ( the Complainant ) had not call, XXXX XXXX XXXX Disputes Resolution Department, telephone representative dated on XX/XX/XXXX, in regard to my ( the Complainant ) XXXX XXXX XXXX secure credit card ending in the account number, XXXX being either lost or stolen and, the assailant/identity thieve had unlawfully contact the XXXX XXXX XXXX Disputes Resolution Department, telephone representative. After, the assailant/identity thieve had unlawfully compromised, my ( the Complainant ) XXXX XXXX XXXX envelope that contained, my ( the Complainant ) XXXX XXXX XXXX secure credit card ending in the account number, XXXX sent by way of the United States Postal Service ( USPS ) legal jurisdiction facilities. And, the assailant/identity thieve who had made negligent, false or fraudulent misrepresentations statements against my ( the Complainant ) XXXX XXXX XXXX secure credit card ending in the account number, XXXX in which, I ( the Complainant ) am legally granted or allowed property rights or privileges which were unlawfully trespassed, impeded, blocked, and encroached on, by ways of the assailant/identity thieve who had made or communicated negligent, false or fraudulent misrepresentations statements with a premeditated criminal intents to the XXXX XXXX XXXX Disputes Resolution Department, telephone representatives without my ( the Complainant ) lawful authority. 

And, the XXXX XXXX XXXX Disputes Resolution Department, telephone representative had stated, on XX/XX/XXXX, for the disputed, case number, XXXX was initiated from a reinvestigation by the Complainant for which, the Complainant will need to contact the XXXX XXXX XXXX, Disputes Resolution Department on Monday morning, XX/XX/XXXX. In order to find out, why the reinvestigation was initiated by them, and the official XXXX XXXX XXXX  XXXX. letter was sent to the Complainant residential address dated on XX/XX/XXXX and, as of XX/XX/XXXX, the Complainant had replied, she had not received, any official letter from the XXXX XXXX XXXX Disputes Resolution Department in regards to her XXXX XXXX XXXX secure credit card ending in the account number, XXXX reinvestigation dispute until, XX/XX/XXXX, on a late Tuesday afternoon sent by way of the USPS postmaster who had placed the XXXX XXXX XXXX envelope into the Complainant residential address mailbox number, XXXX. And, this particular XXXX XXXX XXXX official letter was received in the Complainant residential address mailbox number, XXXX from the Disputes Resolution Department was dated on XX/XX/XXXX, and not dated on XX/XX/XXXX. See Exhibit G. 

Also, the Complainant had received from the USPS legal jurisdiction dated on XX/XX/XXXX, on a Thursday morning an informed delivery images sent to her email account ( XXXX ) displaying one ( 1 ) XXXX XXXX XXXX  promotional image, and three ( 3 ) envelopes, ( one envelope image from XXXX, and two other envelopes images from the XXXX XXXX XXXX XXXX. ). See Exhibit H. And, one ( 1 ) of the USPS informed delivery from the XXXX XXXX XXXX, XXXX. imaged envelope displays the envelope folded flap that sealed the envelope with the Complainants XXXX XXXX XXXX  secure credit card ending in the account number, XXXX was torn on the top-right corner section enough for the assailant/identity thieve to insert some types of reading device between the torn folded flap envelope. In order to read all of the Complainants XXXX XXXX XXXX  secure credit card number digits from the USPS legal jurisdiction facility for no apparent reasons. In which, the assailant/identity thieve dated on XX/XX/XXXX, had unlawfully called the Complainants XXXX XXXX XXXXk : lost/stolen credit card telephone number, XXXX from an automated prompt messages for which, the assailant/identity thieve would had unlawfully known all of the Complainants XXXX XXXX XXXX  secure credit card number digits and social security number information ; or Disputes Resolution Department directly using another telephone number that is not associate with the Complainants XXXX XXXX XXXX  secure credit card ending number, XXXX account ; in order to successfully deactivated, the XXXX XXXX XXXX XXXX  secure credit card ending in the account number, XXXX without her lawful authority. Therefore, the Complainant did not make any call to the XXXX XXXX XXXX Disputes Resolution Department dated either on XX/XX/XXXX and XX/XX/XXXX ; in order to deactivate her XXXX XXXX XXXX secure credit card ending in the account number, XXXX. After, the Complainant had activated her XXXX XXXX XXXX  secure credit card ending in the account number, XXXX dated on XX/XX/XXXX make no sense, whatsoever. 

And, the purpose of this letter is to provide, establish the Complainant identity legal jurisdiction and I declare : I ( the Complainant ) did NOT authorize anyone person to use my [ full } legal name or actual identification documents, authentication features, personal identification cards and/or Personal Identifiable Information ( PII ). 
I ( the Complainant ) did NOT receive any benefit, money, goods or services, as a result of the [ se ] event [ s ] described in this letter.

I ( the Complainant ) am NOT the same person who assailant/identity thieve had subscribed by a [ n ] fictitious, similar or exact name, as my full legal name ( XXXX XXXX XXXX ) which was fraudulently given to the XXXX XXXX XXXX Disputes Resolution Department from a negligent, false or fraudulent misrepresentations statements against my XXXX XXXX XXXX secure credit card ending in the account number, XXXX. 
I ( the Complainant ) do NOT know who used my information or actual identification documents, authentication features, personal identification cards and identifiers without my authorizations, consents, acknowledgements and/or knowingly and willfully participations into a said forged or fraudulent notarized instrument [ s ], Powers of Attorney, Affidavits or Waived Rights Documents conspiracies. See Exhibit I. 

Therefore, if any such forged or fraudulent notarized instrument [ s ] exists, I ( the Complainant ) hereby revoke, annul, cancel, and nullify in its entirety any Powers of Attorney, Affidavits or Waived Rights Documents bestowed that were not granted by me ( the Complainant ), and the [ se ] assailant [ s ] /identity thieve [ s ] had subscribed by a fictitious name [ s ], to the [ se ] notarized instrument [ s ] by a said Powers of Attorney, Affidavits or Waived Rights Documents in which he/she/they had executed, the [ se ] notarized instrument [ s ] without my ( the Complainant ) lawful authorities resulting in my ( the Complainant ) identity thefts, false personations and/or individual in his/her official capacity or duty authorities had allowed or forged my ( the Complainant ) signatures onto an unknown notarial instruments, and dates. In which, I ( the Complainant ) had/have not appointed those Attorneys or Agents of their legal place of business [ es ] or residence [ s ], as my ( the Complainant ) Attorneys-In-Fact or Agents. And, all Attorneys-In-Fact or Agents listed onto any forged, fraudulent or fictitious Powers of Attorney, Affidavits or Waived Rights Documents by ways of governmental and nongovernmental entities are no longer has lawful authorities or oral jurisdiction to act on my ( the Complainant ) behalf and any previously conferred dates executed on forged, fraudulent or fictitious signatures, by a said Powers of Attorney, Affidavits or Waived Rights Document are now revoked, cancelled, rescinded, terminated and dismissed, as of this XXXX day of XXXX, XXXX proceeding this statement.

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