Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

The Letter Below Was Sent to : Experian, XXXX and XXXX Credit Bureaus today XX/XX/XXXX. CFPB 's action is urgently needed to pulverize these XXXX Credit Bureaus. 
XXXX XXXX XXXX XXXX 

Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam : YOUR AGENCY HAS ONCE AGAIN TAINTED MY CREDIT JUST IN THE LAST FEW DAYS!!! This is PLAIN XXXX!!! 

My credit reviews with several of my creditors were greatly impacted recently in the last few days based on your XXXX FALSE and INACCURATE reporting despite my best effort to improve my credit score in the last 2 or 3 years. Just 2 weeks ago my Score Ingredients were rated as follows : 1. Payment history = Exceptional 2. Current debts = Fair 3. Credit history = Very Good 4. New credit applications= Good, and 5. Types of credit = Exceptional Most recently ( XX/XX/XXXX ), your credit reporting agency has provided false, inaccurate, and tainted information regarding my CREDIT SCORE to all my current creditors. These creditors have recently done DRASTIC negative actions on my credit including the following : lowering my internal credit score based on the tainted credit score you recently provided them, interest rate ( APR ) being raised from 24.9 % to 34.9 %, others reduced my internal credit score by as much as XXXX points downward, and they also reduced my available credit limit causing my ratio of utilization to look very BAD XXXX! ), and other various negative actions. I believe that your agency has just provided false and inaccurate CREDIT SCORE information to several of my creditors and hence they did severe actions against my credit accounts just several days this XXXX XXXX 

How can you afford to just downgrade my CREDIT SCORE at Experian when my score ingredients ranged from FAIR to EXCEPTIONAL? ( See above ). The only thing I did was to apply for a new credit account with XXXX XXXX XXXX XXXX XXXX XXXX at their own offering at 0 % for the next 18 months and an approved credit limit of {$1800.00}. Why would you lower my CREDIT SCORE when I did nothing wrong credit-wise. I was offered by XXXX XXXX XXXXXXXX ( in good faith ) because my credit risk has improved very well recently. I accepted the XXXX offer on that premise. But you guys at Experian downgraded my CREDIT SCORE consequently. WHY? What the HECK of a policy is that? Id say your agency is a XXXX XXXXXXXX and is XXXX customers like me. 

I am writing to have my CREDIT SCORE corrected within your agency so that my credit and credit history will look much better than what you have portrayed and provided in my credit reports inquiry recently in the past few days. I have consistently made my payments on time 100 % without FAILURE!!! HOW CAN MY SCORE GO DOWN by XXXX points or even more? 

YOU HAVE CONTINUALLY DESTROYED AND TARNISHED MY CREDIT RECORD DESPITE MY PERSISTENT GOAL TO REPAIR IT. I HAVE BEEN REBUILDING MY CREDIT IN THE LAST 5 YEARS AND I HAVE NOT SEEN MUCH IMPROVEMENT IN MY CREDIT REPORT BECAUSE THE INFORMATION THAT YOU HAVE IN YOUR SYSTEM IS NOT CORRECT AT ALL. THERE SHOULD HAVE BEEN QUITE AN IMPROVEMENT IN THE SCORE at least just from this past year XXXX!!! PLEASE XXXX REVIEW/RE-EVALUATE MY CREDIT SCORE!XXXX 

PLEASE directly contact all my creditors whom you have provided FALSE and INACCURATE information more recently and provide them with the TRUE/CORRECT UNBIASED CREDIT SCORE. 

Name : 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  I look forward to receiving a copy of my updated CREDIT SCORE and detailed report from your Credit Bureau as soon as possible . A copy of this letter was provided to CFPB for appropriate action.