Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Experian has refused to provide a copy of my free annual credit report to me, despite the fact that I requested it once or more since the beginning of this year. Recently, on XXXX XXXX XXXX, Experian provided a credit score ( of XXXX ) for me to a potential lender for a mortgage loan, XXXX XXXX XXXX XXXX. Experians credit score was  significantly lower than that provided by another credit bureau to the same lender with a better reputation than Experian has. Given Experians refusal to provide me with my free annual copy of its credit report, and its multi-year, known record of carrying false information in my credit file for over a decade, I ask the CFPB to force Experian to provide me with a copy of my credit report immediately. Furthermore, on XXXX XXXX XXXX, Experian provided a FICO score for me of XXXX to XXXX XXXX, one of my credit cards. Why is Experian allowed to engage in such unfair, deceptive, misleading and abusive practices? Why is it allowed to divulge to my credit card company one score while providing a secretive, significantly deflated score to a potential mortgage lender? I can not protect myself against such gross abuse. I froze my credit report at another credit reporting company years ago. It is the same agency that provided the best credit score to XXXX XXXX recently. Although I repeatedly asked Experian in writing to freeze my report, it refused to do that as well. Its failure to freeze my report upon request violates my rights under fair credit reporting laws. It makes it easier for Experian to traffick in my personal information for profit and allows inaccurate information to get into my Experin credit report more easily than if my report were frozen. I fully expect that inaccurate information in my Experian credit report is suppressing my credit score with it, but have been denied the right to review Experians credit report on me. Since I am seeking a mortgage loan, I need to get a copy of my Experian report immediately, without Experians usual delays and evasions in providing it. Please force Experian to release its report on me to me immediately so that I can correct the false information it probably has in my file. Please also force it to freeze my credit report, since this is the best protection I have against its unjustified, habitual injuries, and additional expenses and work it causes me. I am disadvantaged greatly by the secretive and illegal actions of Experian. I may face less favorable terms on a loan as a result of Experians violations of my rights under fair credit reporting laws, including my right to be able to see and correct false information it probably has, and repeatedly has had, in my credit report. Finally, please do not allow Experian to provide one score to a mortgage lender that is significantly less than what it provides to my credit card company.

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