Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
A previous complaint has been filed against Experian specifically for changing my credit score without reason or cause dropping my score from XXXX down XXXX points. The angle that was attacked was my length of credit history. Before Experian manipulated my score down, my length of credit history on my oldest credit card was over 4 years 2 months estimate, but Experian changed it to 6 months flat, not 6 months and some days, just 6 months as if someone decided to just use that number to cover any discrepancies with choosing a number less than 6 months. No formal letter, reason, or cause was given. Experian has dragged this problem out since XX/XX/XXXX and has not contacted FICO to receive the correct length of credit history. Even in the event of Experian returning my length of credit history back to the original length as of XX/XX/XXXX, Experian would still need to correct my total score back to the XXXX range and have FICO fix the chart history of my credit score as that was manipulated as well, and honor my positive points I should have received after XX/XX/XXXX. Estimate with factual investigation, my credit score should have increased into the XXXX range with consistent on-time payments and no negative marks on report since XX/XX/XXXX. This is the second CFPB report as the first one did not fix my Experian score back to XXXX and also my length of credit history did not change back to 4 years and 5 months like it suppose to be shown. XXXX  and XXXX  both have my score currently at XXXX and correct length of credit history with no manipulations of credit reports since opening my first credit card. As this is the second time reporting, I would like a lawyer if I have to receive a response that does not resolve specifically what was taken from me unlawfully. For Experian to be allowed to damage credit scores and not be criminally punished is similar to allowing a bank robber to steal money from a bank without following up investigations with arrest. This random changing of personal data to manipulate scores needs lawful attention and a thorough investigation of who is allowed to manipulate credit scores and change personal data on reports without consumer notice, as this problem I have experienced should not have even existed or allowed to be a problem. I have filed at least 5 disputes since XX/XX/XXXX and will not keep filing disputes for Experian for them to keep denying resolving ORIGINAL credit score before XX/XX/XXXX of XXXX. Currently my scores are = XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian.... XXXX Experian after first CFPB report - XXXX. ( including uncorrected length of credit history chart from FICO ) What I am going through with my Experian, or FICO using Experian, score should be considered highly illegal and reputation damaging, possibly even targeted demographically to not have a score over XXXX during the best time to open a low interest mortgage. Until this problem is completely solved in its entirety, It is to be assumed that Experian is targeting me demographically ( possibly racially ) from having a XXXX score to take advantage or possibly even prevent me from having my earned XXXX score to utilize mortgage rate benefits and home purchasing power. 
Companies like XXXX and XXXX recently bought a large amount of homes during the time period that my credit score was manipulated, and should be investigated as well to see if their was any intentional foul play to prevent excellent credit score individuals from buying houses when mortgage interest rate were low after the XXXX pandemic. 

If this is the case, this is wrong and unjust and should be highly investigated on top of credit score manipulation. I expect the Consumer Financial Protection Bureau to focus on helping the consumer and not allowing this case to be forced into repeat filing. I expect Experian to finally return my score and length of credit history to match what the other bureau correctly reported, with corrected score charts from FICO ( not allowing confusion between Experian and FICO as a strategy tactic ). Most importantly, it is lawfully expected that this issue does not carry into the future and create more confusion and mishandling of resolving this problem. As of today, my length of credit history is fixed, not the credit score. See the attachments of false credit history reporting after the damage XXXX into the XXXXXXXX XXXX range, the after XX/XX/XXXX.

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