Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not updated my credit report correctly in the last 2 months but drops my credit score continuously based on old lagging credit report data. 

Experian XXXX connected to my XXXX XXXX reports daily usage and includes junk data of another account holder ( such as XXXX XXXX payments which I am not. Experian XXXX lowered my credit score because of daily activities on my XXXX XXXX usage. I had to disconnect EXPERIAN XXXX from credit report because my credit score changed several times a month, and never went up ... even though I carry {$0.00} balance on my XXXX XXXX account month after month. 

After Experian lowered my credit score I am bombarded by several credit card offers by email per day and multiple credit products daily even though I OPTED OUT of credit offers and have a CREDIT FREEZE on my account. 

Experian report a {$24.00} balance on my credit for 2 months in error which was still part of a combined usage of less than 2 % utilization, but my credit score went down anyway. I have never carried a balance on my credit cards since starting them, I pay them to {$0.00} per month and have never paid {$1.00} in interest payments. 

I have received numerous credit offers from EXPERIAN to lower the interest rate on my {$24.00} balance. Transfer my {$24.00} balance to a lower interest rate credit card. etc, etc, etc. for 2 months now, 7 days a week, 7 times a day. 

{$24.00} : XXXX reported XXXX XXXX on my XXXX XXXX, Audible on the closing day of the closing statement, and I paid it off the next day and removed the card because that was a new tactic to make me carry a balance to pay interest, which I refuse to carry a balance on my cards to avoid paying the XXXX XXXX 's 10 % interest. 

In contrast, MyFICO, XXXX, and XXXX updates my credit immediately and my credit score is raised and maintained immediately. 

I have paid down my car note by {$5700.00} in XXXX, and my credit limit on my card limit has increased. MyFICO, XXXX, XXXX, XXXX, etc, updated immediately and it reflected on my credit score in XXXX, and updates are posted and maintained in XX/XX/ on everything but EXPERIAN. 

Experian has not updated this reduced balance on auto loan, and have not updated the new credit limit. They are even a whole month behind updating my {$0.00} balances on credit cards. 

When dropping my score to the lowest possible score for no reason, Experian bombards me with emails several times a day to open a new card to raise my credit score, which feels like aggressive harassment marketing which is causing me anxiety and confusion. 

My Experian credit score use to be the highest, now it is the lowest based on daily negative reporting of inaccurate outdated information. Which is always up-to-date in every other credit reporting account. 

The online portal did not give me the option to dispute any item such as inaccurate auto loan balance. The phone automated assistant would not connect me to a customer service rep because it said it needed a restricted particular reason to connect me to a live person. 

I am accusing EXPERIAN of changing my credit score several times a month, as an effort to pressure and persuade me to activate expensive EXPERIAN credit offers, new credit cards and products WHICH WILL ULTIMATELY DECREASE MY CREDIT SCORE FURTHER instead of raise it, therefore forcing me to pay higher interest rates that EXPERIAN will benefit from. 

My true Experian credit score should be a XXXX right now, not a XXXX. Every scoring model, all the FICO XXXX, XXXX, etc, and all the XXXX  XXXX, XXXX etc is posting a score of XXXX through XXXX. Experian gave me a XXXX score for one day within the last 2 months ... with the exact same information. 

The Experian Dispute module notes that creditors have time to report the updated balances and activity that may not be reflected today. EXPERIAN has refused to update so they can have me activate new credit with a XXXX score instead of the more accurate XXXX middle score. 

Please investigate EXPERIAN for unethical credit reporting practices, inaccurate data aggregation through EXPERIAN XXXX, and purposely lowering the credit score then launching an aggressive new high interest credit offer campaign against me, even after I OPTED OUT of credit offers. 

I am preparing to apply for mortgage loans, SBA loans, and apply to be a lender in the state of Texas, and I can not make any moves with credit scores under XXXX due to current credit requirements. These unethical credit reporting practices is keeping me from accessing higher opportunities in my financial services career and denying me entry level to high limit credit cards and investment opportunities. 

Please allow me to offer my complaint and comments from the standpoint of a government employee, licensed financial services provider and a consumer on how low credit scores inhibit financial opportunity. Let the record reflect that I am doing everything by the rules of the credit reporting agency, and still falling into the ditch that EXPERIAN rigged to trap me in the lower credit score pool.

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