Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX, I applied for 3 credit cards which resulted in 3 hard inquiries. My Experian FICO credit score dropped by XXXX points on XX/XX/XXXX. 3 hard inquiries should not result in a XXXX pt drop. Also I noticed that a previous delinquent account from XXXX XXXX  was placed back on my credit report on XX/XX/XXXX ( the same day that I applied for the credit cards ). The XXXX XXXX account was not on my XX/XX/XXXX and XX/XX/XXXX credit reports. The XXXX XXXX delinquency appeared on my XX/XX/XXXX credit report which reported a credit score of XXXX. I have disputed this XXXX XXXX delinquency before but nothing has been done by Experian for my dispute. I opened another dispute yesterday ( XX/XX/XXXX ) over the phone since I could not open a new dispute online. The old dispute for this XXXX XXXX delinquency ( Dispute Report # : XXXX ) was still on my online account which prevented me from adding a new dispute so I had to ask the Experian customer service rep to add a dispute for me. It seems like the old and new dispute are the same when I view it online. Also the comment on this dispute was not something that I reported. When I called Experian on XX/XX/XXXX to find out why I had a XXXX point credit score drop and to open a dispute about the credit drop, I was told that I could not dispute this until my recent change of address was verified. Experian then sent me a link to a secure form to upload documents to verify my address on XX/XX/XXXX. I attempted to upload documents 6 times using that link and the site was not accepting it. It finally accepted the upload when I attempted again today ( XX/XX/XXXX ) while recording my upload attempt shown on my screen. Why would it not upload 6 times yesterday but upload this morning when I have it recorded? So I finally got to submit the documents to verify my address change in order to file a dispute on my credit score drop. But I noticed that my Experian notifications show that my new address was already added to my account previously .. so why was it altered? 

Also my credit limit on my XXXX XXXX  was recently raised which decreased my credit utilization. This should have increased my credit score since it was reported on Experian credit overview on XX/XX/XXXX... but it was not taken into account to increase my credit score - Why not? 

This is not the first time that my credit score has dropped significantly in one day. Previously I filed a complaint with the FTC for my FICO score dropping repeatedly by XXXX points when there was no change to my credit. And I complained about this previously to Experian and I was told that I have to get a financial advisor to review my FICO score... But it is Experian reporting this ... and it is Experian 's responsibility to not have my data manipulated to show erroneous decreases in my credit score without reporting a reason for it.

I have screenshots and printed copies of the Experian notifications and my previo
us dispute. Experian is showing the following credit score for me : XXXX on XX/XX/XXXX ( XXXX on credit report ) XXXX on XX/XX/XXXX after a XXXX point drop ( why the drop? ) XXXX on XX/XX/XXXX ( XXXX  on credit report ) XXXX on XX/XX/XXXX ( XXXX not on credit report ) XXXX on XX/XX/XXXX ( XXXX not on credit report ) XXXX on XX/XX/XXXX ( XXXX added to credit report when I applied for credit cards ) XXXX on XX/XX/XXXX ( after XXXX point drop due to hard inquiry on XX/XX/XXXX ) I want to know why my credit score with Experian has decreased in the past without any change to my credit. And why this XXXX  Card delinquency being added and removed to my credit report when I apply for another credit to transfer my balances and purchases to so I can lower my monthly payments. It seems like this delinquency was added to my Experian account when I applied for a new credit card in order to drop my credit score and show delinquent info in order to prevent me from obtaining a new credit card. Why is Experian or someone messing with my credit details in this way?