Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For more than 8 months, going back to XX/XX/XXXX, I have been unable to gain my Experian credit score. Prior to that, I had a score listed at XXXX. Experian had locked me out from even accessing everything, claiming errors in my address. This can not be the justification, as not having an updated address should not deny a credit score from being provided. As it was, I walked through resetting everything with Experian in XX/XX/XXXX, and the account shows access, but no score is provided. Their default response is " Why don't I have a FICO Score? You might not have a score yet because you've never had your own credit account, you just applied for credit for the first time or you haven't used credit in the last 6 months. '' Now, regardless of whether I have used any credit for a 6 month period, I have always had a credit score before. XXXX and XXXX do not have this problem. I tried to contact Experian again, through email to generate evidence of support of the problem : Experian case number XXXX, sent on XX/XX/XXXX : Dear T* : Thank you for contacting Experian. We received your inquiry and will get back to you as soon as possible. Expect a response within 2 business days. 
For reference, your case number is XXXX. 
If youd like more information in the meantime, visit our Help Center : https : //usa.experian.com/member/help-center. 
Sincerely, Your Team at Experian... 
On XX/XX/XXXX, a response was forwarded to me from Experian on the case : Dear T*, Thank you for contacting Experian. I understand your concern how important your score for you and would be happy to assist you. 
Your score may not be available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over 100 accounts on it A creditor has reported you as deceased " No activity reported to bureau within past 6 months, does not include disputed information '' If you think there is an error in your credit report, you can file a dispute : https : //www.experian.com/disputes/main.html. 
You may learn more about credit at https : //www.experian.com/blogs/ask-experian/. 
I hope this information has been helpful. We hope you have a wonderful day. 
Thank you for choosing Experian. 
Sincerely, XXXX XXXX. 
Your Team at Experian -- - Clearly there are problems here, since there is no way I should not have a credit score with more than 35 years of credit history behind me. I am XXXX XXXX XXXX. After dealing with this for an extended period of time, with multiple failures on Experians part to provide an accurate credit score for me, I wish to file a formal complaint to help rectify this.

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