Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I have an Experian portal to check my credit report and credit score with other information 24 hours day and get XXXX credit report every day. 

I start my complaint using EXPERIAN Credit Report start dated XX/XX/year> until today XX/XX/year>. Undernoted information, I provide accurate from the Experian Credit report of that date information from the that day and what change took place that day and if credit score increases or not.

( 1 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$27000.00} Credit Usage 25 % : No change today. 

( XXXX ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$26000.00} Credit Usage 23 % : Credit score change + 3 point and reduced debt of {$1500.00} ( 3 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$24000.00} Credit Usage 22 % : Credit score change XXXX and reduced debt of {$2000.00}. 
( 4 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$17000.00}. Credit Usage 18 % : Credit score change XXXX and reduced debt of {$4400.00}. EXPERIAN DO NOT INCREASE THE CREDIT SCORE CORRECTLY ; they hold my score for XXXX point to get Credit score of XXXX so my status change to VERY GOOD status. Request for investigation if they follow FICO rules to get correct FICO score. 

( 5 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$18000.00}. Credit Usage 16 % : Credit score change XXXX and where reduced debt of {$1300.00}. EXPERIAN DO NOT INCREASE THE CREDIT SCORE REASON UNKNOWN. Request for investigation.

( 6 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$18000.00}. Credit Usage 16 % : Credit score change XXXX and where reduced debt of {$1300.00}. EXPERIAN DO NOT INCREASE THE CREDIT SCORE REASON UNKNOWN. Request for investigation. 

( 7 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 3 accounts. Credit used {$18000.00}. Credit Usage 16 % : Credit score change XXXX and where reduced debt of {$120.00}. EXPERIAN DO NOT INCREASE THE CREDIT SCORE REASON UNKNOWN. Request for investigation.

( 8 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account XXXX and debt in XXXX accounts. Credit used {$18000.00}. Credit Usage 16 % : Credit score change XXXX and where reduced debt of {$1.00}. Today change Total debt only two card accounts. EXPERIAN DO NOT INCREASE THE CREDIT SCORE REASON UNKNOWN. Request for investigation.

( 9 ) Credit Report Date : XX/XX/year> : Credit Score : XXXX : Total credit Limit is XXXX. Total open account 19 and debt in 2 accounts. Credit used {$17000.00}. Credit Usage 15 % : Credit score change XXXX and where reduced debt of {$1000.00} and usage reduced to 15 % from 16 %. Total debt only two card accounts. EXPERIAN DO NOT INCREASE THE CREDIT SCORE REASON UNKNOWN. Request for investigation.

Experian stop increasing my credit score from XX/XX/year> where my credit score was XXXX where balance or Credit used {$19000.00}. and Credit Usage was 18 % : and after that until today XX/XX/year> I reduced the balance or credit used to {$17000.00}, and credit usage reduced to 15 %, But EXPERIAN does not increase my FICO SCORE at all. Reason unknown. Request for investigation.

Extra same information attaches in attachment in 2 pages, so you can read better way. Thank you.

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