Consumer complaint received 2020-10-17
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: Problem with personal statement of dispute

Complaint:
I had a bankruptcy that was discharged on XX/XX/XXXX and subsequently on XX/XX/XXXX was misinformed that I would be able to refinance or have a equity line of credit for much needed maintenance to my residential home. I had endured several thousands of dollars of losses due to scammers which ultimately led to my bankruptcy and divorce settlements during the initial years of filing bankruptcy and today after being under the thoughts previously explained that I would be eligible for a loan to due to the two year period was completed.

Prior to this date XXXX XXXX I have repeatedly tried to interpret the credit bureaus XXXX XXXX and Experian which I have been a subscriber to their services for the past few years. I have asked them to explain to me why is it that after and prior to this time period that my credit scores are reflected as so low when they have not and did not today adjust my credit scores to reflect that my mortgage is and has been paid in a timely manner, and my automobile has been paid in a timely manner and that my utility bills and maintenance for for home has always been paid also in a timely manner is not reflected on my credit report that would show that my credit score would be much higher than its currently represented with my two small credit card balances and one small balance to a XXXX account. I had four months ago several XXXX dollars in my bank account and due to my sons untimely death the end of XXXX had made a hard and overly expensive trip across country that drained my finances considerably enough so that prior to my departure I had over {$8000.00} in my bank account to purchase and new vehicle which sadly is gone due to the trip expenses and the funeral costs, for me this has been the second great family loss in the past three years and the second time this particular situation with a suitable bank  account has transpired and secondly the past three years here in California we have had consecutive severe weather storms that had caused more than extensive damage to the property that had costs thousands and thousands of dollars worth or repairs, for the physical damages to the home and the pool equipment of the home. I would not be so upset than my bank has the documentation for all the terrible hardships financially that I have endured over the past several years they have the documentation for that, But my frustration with the credit reporting agencies is that despite maintaining my payments to my mortgage, auto, and having paid  XXXX of dollars to contractors, maintenance personnel and the continous damage from bad weather does not reflect that on my credit reports. I have attempted to reach out these agencies in this regard that I do not think that its something special that I wish to have but that only they acknowledge that I have always paid my debts other than two years ago discharged bankruptcy the inclusive of the payments for my mortgage, auto and other utilities that take I make and have made over the past 17years and 6 months I have lived here. I find it hard to understand that multimillion dollar companies file
bankruptcy for millions and now billions of dollars from XXXX XXXX to the Executive Offices and they walk away within a matter of a couple of months have thier business as usual of much better than it was prior to them losing those millions of dollars of the tax payers money and we pay that the average citizen why are they in such a bracket that they immediately have financial resources open to them and fairer credit reporting systems that we are not provided at least the honesty to provide that we are paying more than our fair share and the agencies we are paying to support us have us in such negative light that our pathetic credit request are denied stating that we do not have enough credit reported from our credit agencies to be able to have our credit approved rather its for a equity loan of credit to repair our homes or the finance and refinance mortgage for maintaining our homes that we live in. I just do not  understand why we are not treated in the same vein as XXXX XXXX or the members of our Executive with XXXX of XXXX  in losses and within weeks it is business as usual and we are paying for this nonsense to be taken advantage of by our credit reporting agencies tilt on the average citizen that i have stated we make mistakes too, but those of us that pay everything on time and maintain severe financial difficulties for years are not allowed the same consideration at least be just and fair about what is documented in front of you and not hidden, just represent the truth of the math and that should not be a reason for being denied credit when your paying through the nose just to survive without anybody help! Just fairness in the reports period.

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