Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This began XX/XX/2022. Background : Credit reports for wife and I have always been within XXXX pts ; all credit paid together/shared and our scores have steadily risen each month -- both have been XXXX for awhile now. 

XXXX our credit scores were XXXX and XXXX.XX/XX/XXXX they were approx. XXXX pt.s lower, going from great/exc to fair/poor., in the XXXX range. All we did during that 3 wks was refi and apply for a few 0 % cc 's to replace ones that were expiring -- nothing negative.

We wrote all 3 credit bureaus, wallet hub, CFPB, and XXXX  at that time. Since then, they have adjusted our reports up and down to various scores, but never even close to where they were when lowered for no reason. 

Currently I am around XXXX ; my wife is around XXXX. We should not be XXXX pts apart ; we never have been. Nothing has changed since XXXX XXXX XXXX XXXX XXXX to cause us to be worse credit risks this year than last year..Or worse XX/XX/XXXX from XX/XX/XXXX. Instead of giving us a reason, they send form letters as if we were XXXX ( between us, we hold XXXX XXXXXXXX XXXX ), saying " You need to know : Credit scores fluctuate from month to month. '' All we found out upon trying to correct this last time -- we wrote you before ( and what we found out when we called them each, before writing to CFPB ) was that they would not even take a complaint unless we went through, 1 by 1, all the things wrong on our report. What changed in that 3 weeks in XXXX was, a bunch of pre-bankruptcy ( 12 yrs ago ) info that had been cleared off years ago, was dumped back in. Suddenly there were reports from addresses we hadn't lived at for decades, various phone numbers, and accts under my wife 's maiden name ( we married in XXXX. ) As a result, XXXX XXXX XXXX were putting us in their fraud depts., telling us they could not verify us, when we applied.. 

Our scores are yet even close to where they were before they started this between XX/XX/XXXX and XX/XX/XXXX XXXX ; they are not accurate. There was too much incorrect info to file a complaint on each thing wrong. Example : the end of XXXX, they said our oldest credit was too recent, which it had not been on XX/XX/XXXX, with our XXXX scores We've had credit since the XXXX in each of our names! But that would not drop us XXXX pts, so it's irrelevant whether that one thing was ever fixed or not. 

Our scores should be, as they were every month until XX/XX/2022, within XXXX points of each other, and they should be above XXXX. We have not had even 1 30-day notice since our XXXX about 12 years before. There is no reason for us to be below XXXX now when we were not at the start of the year. 

Where we always got approved for {$10000.00} cards or {$25000.00} consolidation loans at 10 to 12 %, now we get offers in the mail for secured cards or cards for XXXX with 25-30 % interest! Or ... we get turned down. ( We are still seeking one more card to complete transferring our bal. to new, 0 % cards that are expiring this year. We could not complete it in XXXX, as planned, because the new 25 % cards offered after the XXXX, when all that old info was put back in, illegally -- the ones we COULD get ( when not outright denied ) were mostly for XXXX. 

We want our credit where it was XXXX XXXX. If anything, our scores should be HIGHER now, as we've made more monthly payments on time and will have one {$25000.00} consolidation loan paid off soon. We have never had a late cc payment ( since XXXX ), we have bought and sold 3 houses with never a late mortgage payment, and we were easily approved for a refi at great terms before mid-XX/XX/XXXX. when all this old info was dumped into our credit files. 

Mine is at least " good '' now. My wife 's is " fair '' -- - for a person who has no negative credit and had that record building up higher each month for over a decade, that is ridiculous. We want the scores, not just adjusted up and down depending on when they get a complaint turned in, as they've been doing to us since we started this in XXXX... and we want the scores not just up XXXX points or from poor/fair to " good. '' We want both scores back to where they were in XXXX -- XXXX, great-excellent for us both ... or explanations as to why we are now a credit risk when we were not at that time ( exact amts late, dates paid, to what creditors, etc. ).

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