Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For several months, Experian has been unable to provide my credit file to my financial institution, XXXX XXXX XXXX XXXX, despite having accurate information such as my SSN and full name. This issue has rendered my credit applications incomplete, as XXXX XXXX relies solely on Experian to process applications and has made multiple unsuccessful attempts to pull my credit file. 

Although I can log in to Experian and view an outdated report from XX/XX/year>, I consistently receive the following error message when trying to access an updated report : Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you wont be able to see your report. 

My Experian account is neither frozen nor locked, and my personal information is correct with both Experian and XXXX XXXX. I have attempted to resolve this issue by contacting Experian, disputing the problem in writing, and requesting XXXX XXXX investigate through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the problem, and I have received no actionable support from Experian. 

Adding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records. The pop-up offers free fraud alerts and states : A major data breach exposed XXXX XXXX private records. Set up a fraud alert to protect your credit report. 

While I can not confirm the exact cause of this issue, I believe it may be tied to larger security vulnerabilities, including potential cyberattacks linked to XXXX. Recent reports have highlighted state-sponsored advanced persistent threat ( XXXX XXXX groups, such as XXXX XXXX, which have targeted telecom and financial systems. Considering these risks, I am deeply concerned about Experians ability to safeguard my personal information and provide accurate, reliable credit reporting to lenders.

Experians failure to provide my credit file has caused me significant financial harm and stress. Because XXXX XXXX relies solely on Experian, I have been unable to apply for credit or secure financial relief through a consolidation loan, resulting in higher interest charges on existing debt. 

I request a thorough investigation into this matter, including whether Experians systems have been compromised by Chinese-linked cyberattacks or other security breaches. Experian must resolve this issue, ensure my credit file is accessible to me and XXXX XXXX, and provide transparency regarding the root cause of the problem. Additionally, I urge XXXX XXXX XXXX XXXX to be informed of the situation, as other members may also be affected. 

Thank you for your attention to this serious matter.

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