Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (ID)

I was working with VA Home Loans to see if I could get a loan. They said my credit score was low and I needed XXXX scores above XXXX to qualify and I had only XXXX. They transferred me to some program called XXXX and that they could guide me to improve my score. I was assigned to XXXX XXXX who told me if I paid off some of the debts it would raise XXXX score that was XXXX to above XXXX or if I paid down my XXXX XXXX card in half it would do the same. Well I told her I did not have {$2000.00} to pay down the card but when I could I would contact her. She said that was fine. On XXXX XXXX I had paid down the XXXX XXXX card to half of my loan amount of {$3700.00} to {$1800.00} so I called XXXX who said she would run my credit and she said that my credit was worse than before that only XXXX agency was above XXXX and that was XXXX. She said I had just bought a car and that it must have dropped my score. I was appalled and heartbroken. I asked her what I could do and she said to pay some of the debts like one for {$2000.00} and another for {$110.00} and then some more on my credit cards. I said that I did not have that kind of money that it took me several months to pay down XXXX. I then asked if she worked for the credit bureaus because it seemed she was more interested in me paying than accomplishing a new loan for a home. She said she was sorry I felt that way but she could not help me any more. I started to look for solutions and found a book that said it could help. I bought it and it said I could contact, not the reporting agencies, but the creditors themselves and demand they remove old credit files that were beyond the statute of limitations, which I mentioned to XXXX XXXX but she said she did not know of such statutes, and they must comply. So I did as instructed and waited. Then on XXXX XXXX I went on XXXX and they gave me a credit score for XXXX of XXXX and for XXXX of XXXX, Experian was not available so I went to Experian.com and paid {$19.00} for my score and it was XXXX. I was ecstatic. I needed XXXX scores above XXXX according to what XXXX XXXX told me so I contacted sent her an e-mail on XX/XX/2015 and she responded on XX/XX/2015 saying she had to run my credit score again and if she had my permission to do that. I called her on XX/XX/2015 at about XXXX XXXX MT on my break and she said she was sorry but my scores were low and only XXXX was above XXXX at XXXX. I said I had attached the scores I had paid for and she said I should ask for my money back they were wrong. I was furious. XXXX then said I should pay down more on my credit cards and maybe some debts. Then she said something unusual, she said well the scores are n't really that bad they are at least XXXX points higher than the last time we ran them. I thought, she said that time exactly the same that only XXXX was above XXXX at XXXX. I asked her who I could complain to because the credit bureaus are giving me one score and her business another score. This was not fair. She said she did not know who to file a complaint with. I should try calling the company that gave me the bad information. I told her it was Experian that gave me the score and XXXX XXXX did not charge. She wished me well and hung up. 
I googled who I could complain to and found you guys. I am including e-mails, the paperwork I attached to XXXX XXXX e-mail and my credit scores. I ran them again earlier because I had an e-mail from XXXX XXXX that said my scores had changed. I went to Experians website and requested all XXXX scores and now it says XXXX is XXXX, Experian XXXX, Equifax is XXXX. On my report the dates I spoke with XXXX XXXX are concurrent with inquiries by Experian Mortgage, Imagine that.