Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I did sent email to XXXX XXXX  as their representative told me to do when I spoke with them on toll free number same day. I copy and paste the email after removing the very personal information from that email because I select that CFPB can publish my case to their website for public. 
XXXX  Here is Email copy is paste as follows, and also other correspondence email also refer is paste. 
=============================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Important information about your account Good afternoon, XXXX XXXX Thanks for approving my credit card application submitted on XX/XX/XXXX online and also approved same day XX/XX/XXXX for limit of {$1500.00} only. I apply your credit card because your bank sent me pre-qualified offer to apply for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I received by mail on XX/XX/XXXX. Today XX/XX/XXXX. I did receive your card in mail and activated by calling XXXX and then also spoke with your Customer Service representative XXXX XXXX from XXXX XXXX XXXX XXXX XXXX EST and discuss and dispute the credit score which you use to approve on my credit card application on XX/XX/XXXX. I am forwarding your email sent to me on XX/XX/XXXX at XXXX XXXX with attachment of 2 page ( you find bottom of email ) on Second page of attachment letter, its saying that your bank run my credit with Experian on XXXX and you got the FICO credit score XXXX source Experian. I did dispute this XXXX XXXX with your representative XXXX XXXX on today on phone conversation with the reason that I never had a so lower score of XXXX over last few years. I do have my own an Experian account where I can see my Experian FICO credit score with full credit report any time XXXX hours a XXXX in week. year around. XXXX XXXX, your representative who I spoke today told me to send email at XXXX or fax to XXXX with supporting documents so your credit department fix the issue and might consider increase the limit base on correct credit score with better terms and condition of interest rate and other terms if applicable. I hope, you used my correct income information which was provided at the time of application is XXXX  a year. I copy and paste the screenshot from my Experian credit report as follows to support that I never had a FICO credit score of XXXX source Experian. As per your email you use Experian Fico score of XXXX on XX/XX/XXXX I had a credit score of XXXX at Experian on XX/XX/XXXX and again score XXXX on XX/XX/XXXX. You run my credit on XX/XX/XXXX showing XXXX. How this possible? Here is screenshot of XX/XX/XXXX XXXX XXXX of XXXX at Experian : XXXX image Here is screenshot of XX/XX/XXXX credit score of XXXX at Experian. Inline image Here is Experian Credit Overview page showing one year XXXX XXXX for last XXXX year : Never down to see anywhere lower score of XXXX : Screenshot : Inline image And credit Overview as on today XX/XX/XXXX with score of XXXX today XX/XX/XXXX : Inline image Screenshot of Today XXXX XXXX on XX/XX/XXXX : Inline image Screenshot of Experian Credit Score on XX/XX/XXXX : Inline image On these circumstances, I hope you fix all correction base with the correct XXXX XXXX of XXXX on the day of application XX/XX/XXXX where you use incorrect score of XXXX and increase the credit limit on base of credit application on XX/XX/XXXX and better terms and condition if applicable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX Sent : Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX Subject : Important information about your account Please open the attached PDF document for important information about your card. XXXX Did received email acknowledging they received my question to solve : ' From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : RE : Your XXXX card # XXXX  Limit for {$1500.00} XXXX, XXXX : Important information about your account, Your case has been created. Thank you for contacting us. This is an acknowledgment of your request. The status can be tracked by referring to XXXX ======================================================== Received another acknowledgement from XXXX XXXX on XX/XX/XXXX : From : XXXX XXXX To : XXXX Sent : Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX Subject : RE : XXXX : Your XXXX XXXX XXXX XXXX XXXX Limit for {$1500.00} XXXX, referring to XXXX Fw : Important information about your account, Your case has been created., Your case has been created. Thank you for contacting us. This is an acknowledgment of your request. The status can be tracked by referring to XXXX ======================================================== XXXX sent another reminder on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Limit for {$1500.00} XXXX, XXXX : Important information about your account Good afternoon Sirs/Madam, Attention : Credit Department XXXX XXXX did call XXXX today and spoke with XXXX XXXX. As per her advice, I am forwarding my earlier email dated XX/XX/XXXX with attachment. She also told me that because card was not used so sending a new card replacement. As I mentioned in my email XX/XX/XXXX as follows : ( part of email paste here only : XX/XX/XXXX email paste above ) ======================================================= NEVER RECEIVED ANY REPLY so I am filing this compliant to CFPB. Thank you/