Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for reporting contradictory and inaccurate information on my credit report, which has affected my ability to obtain credit. 

Recently, XXXX denied my credit application, citing " too many recently opened accounts '' as the reason. However, my Experian credit report indicates that my number of new open accounts is " poor, '' accurately reflecting that I have not opened many new accounts. This discrepancy highlights Experian 's failure to ensure the maximum possible accuracy of the information, as required by the Fair Credit Reporting Act ( FCRA ). 

Additionally, when I signed up for the free trial of Experian, I was intentionally misled by the display of an inaccurate XXXX report showing a credit score approximately XXXX points lower than the actual score. I assume this is a ploy to persuade me to purchase one of Experian 's products to improve my credit score or to continue with their paid service after the trial. This misleading representation is particularly concerning as it seems to push consumers to dispute information on their XXXX report within the Experian ecosystem when, in reality, the derogatory information does not exist. 

Most people do not have or prefer not to have access to the XXXX portal, but I am grateful that I do. Without access to my XXXX report directly, I would have been undeniably misled into believing that my XXXX credit score was significantly lower. 

Furthermore, I have confirmed with XXXX that their information in my XXXX portal is correct. XXXX has stated that they can not control what Experian shows for XXXX data and, although Experian is not allowed to display different information, there is nothing XXXX can do about it. 

It seems that Experian wants consumers to be at their mercy in every way, which undermines the purpose of having three separate credit bureaus. If Experian had stated that they were compiling the credit reports together, it would be different. However, displaying them separately with inaccurate information seems intentional and misleading. 

These inaccuracies and discrepancies have adversely affected my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the accuracy of the information they report and promptly correct any errors. I demand that : The CFPB immediately investigate the inaccuracies mentioned above. 
-Experian be required to correct or delete any false or unverifiable information. 
-A corrected credit report be provided to me and any recent creditors who have received my credit report. 
-Failure to address these inaccuracies will leave me with no option but to seek legal remedies for any damages incurred. 

Thank you for your attention to this 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