Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
I have had several issues with Experian and their investigation along with credit reporting most importantly the score. 

Experian is showing a low score for me. Experian states that this is because of insignificant accounts being paid as agreed and accounts showing 60 day late payments among a few similar things Upon disputing these items to Experian they simply send a blanket answer to me telling me theyre not responsible for the reporting but rather the creditors themselves they just report it as it is reported to them. 

That said going back to the insignificant accounts reported as paid as agreed and 60 day late payments. My credit history shows XXXX accounts with literally thousands of payments made on time and as agreed. There is however three accounts that this was not the case. Two of those accounts are due to identity theft that I have gone in front of a judge presented my case and a judge has ruled in my favor that it was in fact identity theft. Despite that Experian still refuses to remove the XXXX XXXX trade line accounts on my credit history that are marked as charges and owed. The other account that had a 60 day late payment on it was a joint account that I cosigned for somebody and has been resolved literally years ago. 

There is also XXXX inquiries on my credit history that Ive disputed with experience and they refuse to remove. These XXXX credit inquiries go along with the identity theft to my credit history that a judge already ruled had happened. If someone stole my identity to obtain credit on my behalf running it through agencies would surely have given me inquiries. Since it was obtained through identity theft and not ran by myself those inquiries should be removed. 

Upon doing research its clear that my credit score as attached is sitting at roughly XXXX when comparable to people on average with the same or equivalent credit history the score clearly should be between 675-715 at a minimum. There has been no negative history on my credit report for years now with the only negative outcome being shown as the accounts that were in identity theft. Compared to the other credit bureaus Experian is clearly misrepresenting where my score should be. I believe this to be being done purposely probably on the behalf of them and the lenders that they recommend me to to help them get a larger interest rate for securing a loan with me. 

Finally one of their points is saying that I am using heavy use of my available credit. That too however is very inaccurate as I carry a XXXX or close to XXXX balance on my credit from month-to-month. My utilization is between XXXX and 5 % that is not a high balance being carried theyre totally misrepresenting the credit profile I request once again that Experian investigate their algorithm to ensure that my credit score is adjusted to be accurately where it should be which over an average would bring it closer to the 700 range. If they do not give any sort of modification investigation accurately or fairly remove the items that have already been deemed by the courts to be in accurate I request further investigation being done into them because if Im having it done to me I am sure there are thousands of others that are being unjustly held back or charged more then they should be

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