Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. On : XX/XX/XXXX, Experian Credit Bureau fraudulently removed 19 points from my Fico 8 Credit Score, from XXXX down to XXXX. 
2. On XX/XX/XXXX I contacted every creditor and lender I have, and verified the following : that I am in perfect standing with all creditors and lenders. That I have perfect on time payment history with all lenders and creditors. That all creditor and lender accounts are open and active. I also verified that all creditors and lenders I have, have been ( since the begining of my accounts ) and are still continuously reporting to Experian Credit Bureau ( in addition to other credit reporting bureaus ). 

3. On XX/XX/XXXX I contacted Experian Credit Bureau regarding the sudden decline in my credit rating from " Very Good '' ( XXXX Credit score ) to a lower credit teir of " good '' ( XXXX ) credit score. In the span of an hour and a half, I was transferred to five seperate individuals, with one individual being a supervisor named " XXXX. '' Supervisor XXXX  at Experian informed me ( as did the membership services department ) that they could provide no reason or resolutions for the sudden drop in credit ; while at the same time Experian is advertising a paid subscription service ( which was offered to me through the Experian App ). I find it concerning that Experian would drop a consumer 's credit report by 19 points, while at at the same time providing no resolution or explanation for the matter, while at the same time marketing a service to " find out why your credit score dropped. '' The financial incentive to commit fraud by Experian is clear to me, because of the timing and intent of the advertisement for a paid service. 

4. On XX/XX/XXXX I spoke to a total of 5 different Experian representatives, with Supervisor XXXX as the last representative I spoke to. All five Experian representatives tried to convince me that my " short account history '' and " loan balance '' were the two negative contributions that caused my score to drop. 
The explanation Experian 's representatives gave is inaccurate at best, because both of these " negative contributions '' have been on my Experian account since the very first day I opened it ; and furthermore, I was able to attain and keep a XXXX credit score even with these two " negative contributions. '' In short, what all Experian representatives have cited as the reason for my credit score dropping 19 points and me dropping to a lower tier credit rating ; can be demonstrably proven false by the mere and simple fact, that these two " negative contributions '' have always been on my reports, when I first opened the auto loan account on XX/XX/XXXX, and or when I first started building credit using credit cards over 2 years ago ( in XXXX ) and yet I was still able to attain that XXXX credit score. I also made sure that my credit card spending and payments have been consistent over the past two years. 

XXXX. I have attempted for over an hour on XX/XX/XXXX to remedy this with Experian 's five different representatives, because I believe that Experian is either behaving fraudulently, or there is a genuine issue with their automated computer system, ( which Experian Supervisor XXXX told me generates my credit score ) which I've requested investigation into by Experian, and the five representatives ( including Experian supervisor XXXX XXXX all denied me that remedy. 

On XX/XX/XXXX Experian Supervisor XXXX informed me that He could see a credit car account that I have previously filed a dispute for ( because Experian falsely removed it from my account ) despite the creditor stating to me that my account was open, active, has perfect payment history, and that I am in " excellent standing. '' I filed a dispute for the creditor account Experian removed from my Experian credit report, with Experian, and as of XX/XX/XXXX ( today ) I am still awaiting the completion of Experian 's report on why that credit reporting account was removed from my Experian profile, even though the creditor stated to me ( repeatedly ) that they always and consistently report to Experian on time. Experian Supervisor XXXX told me that He could view the most updated and accurate Experian account information pertaining to the erroneously removed creditor account from my Experian account, and at the same time I could not see this information ; despite Experian informing me that my account had been updated earlier on XX/XX/XXXX ( the same day ). Experian Supervisor XXXX 's stated on XX/XX/XXXX that He could see my payment history for the erroneously removed creditor account in question, and yet I couldn't see it ( even though under federal consumer protection laws ) I have a right to see what information both creditors and credit bureaus are reporting, and Experian has demonstrably witheld this information from me, until I had specifically requested this information, even though this information was viewable just a month ago, and then suddenly it disappeared without warning ; whereas Experian Credit Bureau never informed me that they could currently view this information, nor ever informed me ( the consumer ) of the fact that they could view such information while the same information was being erroneously withheld from me.

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