Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
I applied for a small loan less than {$4500.00} and was denied the loan. The bank sent me the following email informing me of the problem. 

'In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX, ( XXXX ) XXXX. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : - Lack of sufficient relevant account information at Experian - Length of time since online payday loan opened - Lack of sufficient relevant account information - Insufficient recent online payday loan activity - The number of inquiries was also a factor, but effect was not significant ' After reading this email, I contacted Experian Clarity Services and was told they could not help me and I would need to contact a licensed credit advisor. I contacted a credit advisor and they told me that Experian would need to correct my credit history on their end. I filled out SEVERAL Experian online forms and uploaded photos of my Drivers license, Social Sercurity and Birth Certificate. Each time I uploaded and submitted, the website would tell me Experian had no proof of identity to continue with my request or the website would close out and say that the website had expired. This happened 5 times in a row! Everytime I filed a complaint form, the website would time out or have a File Error. The 'website crash ' or 'time expiration ' would happen even though I created an account and sent identity photos to give proof of my identity and validate my account with government issued documents.

My credit score was XXXX before Covid in XXXX. I have never had a debt problem or lack of payment from ANY company for 10 years. I lost my truck to XXXX Bank in XXXX afyer a job loss but I was rebuilding credit and saving cash not using any credits ONLY what I saved. This credit score is inaccurate, crippling my credit recovery and discriminating against me for NOT having debt. I use automatic withdrawal from my bank to pay all my bills and have had no interruptions in 4 years. This credit reporting is inaccurate and illegal because Experian 1 ) Will not reveal the lenders that are affecting my score 2 ) Does not provide a means of correcting their poor reporting through Clarity Services or their website and 3 ) Have not correctly reported my employment history, account billing history nor had the right to lower my credit score XXXX points without notifying me or giving me written explanation or justification for destroying my credit building history. I am beyond devastated that this credit company is allowed to have such advantage over people 's lives and credit scores without contacting them.

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