Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
I previously filed a complaint ( COMPLAINT ID # XXXX-XXXX  ) in mid-XXXX against Experien regarding multiple attempts to have them correct misdated information on accounts discharged in my bankruptcy, and their consistent reporting of the same credit rating regardless of how well I have maintained my credit ( a copy is below this communication ). 

After reviewing an updated report that the problem was corrected, the dates they were reporting on the discharged bankruptcy items were still deceiving giving the impression of current late pays, there were inquiries that should have been removed, and I had paid off a loan ( almost {$6000.00} ) that wasnt reflected..I attempted to contact them again. I spent two hours trying to speak to someone, was disconnected 3 times, and one person I got a hold of said my account was in customer care, and she couldnt speak with me and would transfer me, but disconnected me again. So, I wrote another dispute and submitted a copy of my bankruptcy discharge so they would change the disputed accounts to reflect the discharge. Also requesting that they have updated information on my account balances and status. I got an update from them that they removed the inquiries, and raised my score from XXXX ( which it had been for months ) to XXXX. 

I just got another update, my issue is for months, regardless of the fact that I have a six-year perfect payment history, I just paid off a loan of about $ 6K, a credit line was increased almost $ 2k, and they now reflected the paid off loan ... they reduced my debt ratio from 19 % to 18 % ( for almost $ 8k in changes to the good ), and reduced my credit score back to XXXX. I have followed all the rules for maintaining your credit, and Experian uses my credit history like it doesnt affect me. It does affect me..my insurance rates, my vehicle loan rate, etc. 

This is so wrong. An agency that can affect one 's financial circumstances should not be allowed to provide services that they can benefit from by keeping scores low. I have dozens of emails from Experian ( a ridiculous amount in fact ) promoting their many services to get a good credit rating. Are you aware that they have over 1100 complaints with the Better Business Bureau? I discussed this with a financial expert who stated I am in the 3 % of those that use bankruptcy the way it was intended. As previously stated, I have paid every bill on time for six years, paid off accounts, reduced my debt ratio ... but according to Experian, I am a mediocre risk. This agency should be closely looked at considering the damage that it can do. 

XXXX Previous complaint : I had a bankruptcy discharged in XX/XX/XXXX, since that time I have followed all guidelines, have 100 % pmt history, established credit, and remained below the standard credit usage guidelines. I sent repeated disputes to Experian about misreported bankruptcy accounts. 
The last one was 1 mo ago for XXXX XXXX XXXX, they were reporting as a 3-month-old account, they admitted it was their error and stated it would fix, and my score would reflect it. 

I received and Experian alert today about potentially negative items : XXXX was back, yes reported in bankruptcy but dated XX/XX/XXXX making it appear a relatively recent account, and then they added XXXX same thing but dated it XX/XX/XXXX, making it also appear as a current negative account. 

I made 4 calls to their dispute center and each time given a bunch of double-talk, but the bottom line is Experian sent these on a credit alert as changes to my file and dropped by score again, back to where it was. One agent told me they have no control of the score, but they do in how they report. I have been so diligent about repairing my credit and all other scoring is showing me at XXXX, and it is my feeling that Experian deliberately creates problems so you will be inclined to sign up for their endless list of payable services. 

If we are at the mercy of a credit reporting company, the least we can expect is that your credit and payment history correctly reflect the individual, and they should not be able to hide behind well-rehearsed account representatives who attempt to " poo-poo '' your concerns and have no consequences for their actions. Again I received this " credit alert '' from Experian, themselves this morning. While I am at it, on the attached screenshot, there is a XXXX XXXX entry, I was going to get flooring through XXXX, they signed up a XXXX XXXX Account, and I refused the service/closed the account. Think I can get that removed..fat chance. I want a credit score that reflects my credit history.

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