Consumer complaint received 2025-02-14 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to make a complaint regarding an issue with obtaining my Experian credit report, which is significantly impacting my ability to secure a home mortgage. 

Despite getting my credit history reports from XXXX and XXXX, my Experian report remains inaccessible. Our lender has attempted to retrieve the report twice, but both attempts resulted in an underwriting alert stating " Missing FICO Score : One or more repository failed to return a FICO score. '' This issue is documented in the attached file " Credit Report, '' which shows my XXXX and XXXX reports but a blank section for Experian. Each attempt is worth a fee, and I have to pay a third one to run my credit reports when/if Experian fixes this issue. 

When I tried to file a dispute on the Experian website, I had to enter my phone number and the last four digits of my SSN, which took me to a page showing my father 's first and last name and his birth date linked to my SSN, as shown in the attached document " Experian Incorrect Info. '' To cross check, I entered my father 's SSN, which correctly linked to his information as well, as seen in the attached document " Experian 2nd account. '' When I called Experian, they told me that I have no credit report or history and told me to contact my lenders, without specifying whom. They refused to acknowledge the mix-up with social security numbers , and refused to look into it stating that I need to contact credit reporting agencies because the information from their system being incorrect is not their fault. 

In XX/XX/year>, I was denied an apartment lease due to " no credit report, '' as shown in the attached document " Anthology - NO CREDIT RECORD '' - at the bottom of the first page you can see that the report was ran in conjunction with " EXPERIAN ''. We had to pay a larger down payment to secure the lease, which was extremely distressing, otherwise, we would have been without housing. I am now at risk of losing my home closing because Experian is refusing to provide me with my credit report and is also refusing to look into the issue. 

I get my regular credit reports from the other 2 agencies, and it has never occurred to me that there was any issue. I was only made aware of it recently because of the mortgage lender. After looking into it, I realized we were denied for the apartment lease because of Experian as well. 

https : //www.consumerfinance.govXXXX - this is from your website " The FCRA requires consumer reporting companies to investigate when someone notifies the company that any information in the persons file is incorrect or incomplete '' which Experian is failing to do. 

Experian 's lack of assistance has exacerbated the situation, and I really need your help to resolve this matter. I have no other recourse because of their refusal to speak with me regarding this matter. 

Thank you for your attention to this issue.

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