Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dates in question : XX/XX/2020 and XX/XX/2020 With Experian, my FICO score was a solid XXXX. I have been sacrificing to ensure I have paid my bills on time as well as I have paid two large major debts within the last 60 days and I managed to get my score from the low XXXX to a XXXX when I checked on Experian on XX/XX/2020. However, When I checked my FICO score on the experian 's website on XX/XX/2020, it had dropped 21 points with no explanation given by Experian. At first I thought it was a mistake, but realized it was not. After further reasearch, I realized that my points had dropped because it is showing that a late payment was made to one of my creditors ( see attached ), XXXX XXXX. However, this is inaccurate and I have informed Experian. I just made a payment on XX/XX/2020 for {$300.00} to XXXX XXXX and I have attached proof of my payment which came out of my bank account. Attached is an image of my bank payment history in which {$300.00} was deducted from my bank and paid to XXXX XXXX on XX/XX/2020. However, on my credit report at Experian it is showing that 2 late payments was made in the last 60 days to this creditor, which is untrue because I only make a payment on a monthly basis and I made a {$300.00} payment in XXXX to XXXX XXXX, so this statement is untrue and my credit report is reflecting inaccuracies regarding my payment history. If XXXX XXXX reported this information, it is inaccurate and untrue. 

It is very difficult to get in touch with Experian and they also make it very difficult to dispute on their site. I tried to dispute a an account with a credit which I completely paid off in full and Experian would not allow me to dispute this account. The account was XXXX XXXX and the last time I disputed this account, the balance was incorrect. However, since I have paid the account in full and Experian kept giving me a message that I was not allowed to dispute this account although they were reflecting the incorrect information and balance for this account. I feel that this is unethical since the information that they reflect in their reports affects consumers greatly. Also, I had recently boosted my score with Experian to XXXX on XX/XX/XXXX and I feel that this boost is used as a false confidence given to the consumers that Experian is trying to help the consumer but after raising the score a few points with the boost, they take the score back down a few days later. There was no reason and no reason given by Experian why my FICO score went down to a XXXX on XX/XX/2020. How can my score go from a XXXX on XX/XX/2020 to a XXXX on XX/XX/XXXX. I have been paying all of my bills and have sacrificed to pay two large debts in the last 30 days. one of the debts I wasn't allowed to dispute on Experian because they make it very difficult. Refer to the attachments. Experian house inaccurate information about my credit history and makes it impossible to dispute it. 

Additionally, I disputed this account with XXXX  and XXXX  ( my account XXXX XXXX ) and at the completion of the dispute, it still reflected on these credit reports that I owed a balance which is untrue. Attached is a letter from the credit XXXX XXXX reflecting that I have paid this account in full and there is no balance due for this account. 

All of the major credit bureaus are extremely unhelpful in assisting customers to reflect inaccuracies on their credit report, especially when the creditor reflects inaccurate information. Fines need to be imposed on creditors that report inaccurate information about a customer 's payment history as in this case.

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