Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021, the consumer report earned +7 points for clean conduct and records, the same day, 5 points was deducted as appropriate for 1 hard inquiry ; however, EXPERIAN fraudulently deducted 12 points, only reporting 5 of the 12points, thereby hiding the additional 7 points deducted from the report. ( SEE ATTACHMENT 1.0 and 1.1 ) On XX/XX/2021, Experian intentionally conducted reporting of consumer account 5 days early and ahead of the routine schedule for the consumers reporting as historically conducted on the consumers account. By doing so, EXPERIAN intentionally disrupted the balance and true nature of the consumers scoring process and profile, unethically for the sole purpose of deducting 40 points from the consumers report ahead of schedule and against the historical reporting schedule as routinely conducted for the consumers profile unfairly and in complete violation of 15 U.S.C. 1681c. ( SEE ATTACHMENT 2 ) On XX/XX/2021, 6 days later, Experian again, deducted 1 point for unclear and inconsistent reasoning and in violation of XXXX - XXXX U.S.C. 1681c, 605 ( d ) ( 2 ). ( SEE ATTACHMENT 3 ) On XX/XX/2021, Experian reinstated 10 of the 53 points DEDUCTED immediately followed unlawful and fraudulent release of consumer credit report to a XXXX, twice, on XX/XX/XXXX, and again on XXXX XXXX, that resulted in two unlawful hard inquires. ( SEE ATTACHMENT 4 ) On XX/XX/2021 the consumer immediately sent notification and demand to Experian in response to the fraudulent release of the consumers information, clearly stating the issue and requesting immediate resolution which was duly noted as received on XX/XX/2021. ( SEE BELOW ) In response to this, Experian : On XX/XX/2021, EXPERIAN, in response to receipt the consumers 1st request for immediate removal of the unlawful inquiry and release of information to XXXX, Experian, deducted 26 points in retaliation to said matter ; ( SEE ATTACHMENT DOCUMENT 5.0, 5.1, and 5.2 ) Again ; On XX/XX/2021, a 2nd demand and request was sent to Experian by the consumer regarding the unlawful inquiry and release of information to XXXX, which was delivered on XX/XX/2021 received and duly noted on XX/XX/2021. ( see attached ) On XX/XX/2021, Experian complied to the request removing the fraudulent item as duly noted and received on XX/XX/2021, and Experian again in response to said matter, deducted 23 points from the consumer report ON THE SAME DAY, as penalty and in complete retaliation to the request for correction by the consumer. ( SEE BELOW ATTACHMENTS 6 - 6.4 ) On XX/XX/2021, again, Experian AFTER acknowledging removal/deletion of the fraudulent inquiries by XXXX on the consumers account and report, Experian immediately and on the SAME DAY, deducted an additional 23 points from the consumers report as penalty for the 2nd time in 4 days and in complete retaliation for correction of such request said matter resulting overall deduction of 102 points for bias and unlawful reason and practice, all in violation of 605 - 15 U.S.C. 1681c, 605 ( d ) ( 2 ).

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 non-monetary relief