Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have had horrible experiences with Experian. Almost monthly my score is knocked down. My payments are on time and I do not use much of my credit. The last few months my spending has been very low and the last two months I have had zero balances on my 3 credit cards. I also paid off an old electric bill, that was on my credit report, and my debt decreased. My score went down again as it does each month with Experian. I disputed the old electric bill account, that I recently paid off, and I was sent a credit report, from Experian, with an update of this account being paid off and a {$0.00} balance. This was reflected on my credit report and happened in early XXXX. I had mentioned my disgust, in my XXXX XXXX XXXX complaint, that it took forever to bring up my score but, they would knock it down almost every month. This was with on time, over the minimum payment 's and low credit card usage. I was constantly sent unwanted information on how to get an Experian Boost for my credit. I needed to give them money each month and acess to my personal bank account information and bills that were paid. In turn, I was promised a bump in credit for letting them stick their nose in my business, and paying them money. NO Thanks, this is XXXX XXXX This has absolutely NOTHING to do with my credit. I feel they don't have the right to do this. I asked them why my on time payments of all my credit cards wasn't good enough for raising my score. This infuriates me!! I also have emails asking them to quit sending that information to me. How is this allowed? On top of that, this XXXX, XXXX XXXX XXXX, who works as a senior regulatory affairs associate, at Experian, decide to finally respond, about a month and a half later, to my XXXX. complaint. Experian had already rectified my situation and that I paid off my deb. They also raised my score back to where it was. After all I went through, with disputes, this fool knocks my score down TWENTY points saying my old debt was valid. I got the reports of my XXXX complaints, the response from Exoerian and the credit score decrease at the same time. He flat out lied and I am XXXX. I feel that this is in retaliation for my bad review and calling this company out on their Experian Boost score for pay. He never called anyone or looked to see what his own company put in writing and as paid on the Experian credit report. He is inaccurately falsifying information on my report to lower my score to retaliate. I am suffering because of this. He needs to be held accountable for this and his company..I will contact the CEO and sue if I have to. I am trying to buy a home and they are making it impossible but I am kerping track of everything they do. They are keeping credit scores low with inaccuracies to profit with an Experian Boost. Have you not seen the complaints? Besides the fact, Experian doesn't do credit reports every 30 days. This is fraud.I am about ready to sue them!!

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