Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called numerous times and made them very aware someone is trying hardly to obtain credit yet been unsuccessful because they can not verify my identity questions, I know who is doing this shes also trying to give me numerous inquiries to sabatoge my credit because her jealousy overwhelms her however my main concern is now that Experian themselves are sabatoging my credit, I have {$14000.00} in available credit that I dont utilize unless an emergency arises with exceptional payment history & credit usage yet they keep bringing my score down for no reason this time they brought it down XXXX points saying I have 0 % of a mortgage history, I know my rights and that is discrimination to take my score down redundantly for no reason and for not choosing to have an outstanding mortgage that would indeed bring my score down for large debt owed Ive disputed with them numerous times and asked why do they continue to bring my score down for no negative change whatsoever in fact I am a XXXX  XXXX by trade and am aware my score should continue to rise as I show continuous usage of bank and credit cards and pay them in full immediately Ive just been given credit increases of over {$4500.00} for my exceptional foundation which is 2.10 yrs old I should have a score of XXXX in its entirety yet they keep allowing this woman to put inquiries on my report and they are now telling me because I do not have a mortgage I dont deserve credit they literally just took XXXX points from me and I have been approved for a mortgage through XXXX XXXX XXXX and have been in the process of searching for a home all 4 credit bureaus are aware of this and Experian is holding me back by lowering my score for no negative reasons and trying to stop me from obtaining a good mortgage rate because it bothers them terribly that I will not accept their manipulation along with their affiliation with XXXX XXXX  and pay them monthly to monitor my credit report that I do just find myself and they are clearly bothered by my abilities I know my rights with the FCRA and its clear the fact that not only do I counsel others on how to repair their credit, gain credit, build it and utilize it but I alert them of how working with most credit repair companies alert the credit bureaus that they are working with these credit companies which tells lenders that you can not manage your finances and sought help/services from a company to do so for you. Im aware of this and I dont believe in it and I refuse to do this to people my ultimate goal and purpose in life is not to hurt nor manipulate others but to help them in its entirety even if they are not good people I know that Ive done my job Experian does not and is not in fact violating my rights and the the FCRA

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