Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today is XXXX  XX/XX/XXXX I received a letter and credit card with a limit of {$300.00} and the letter stated that my score was XXXX and I called and explained that that information is not correct.. I spoke with a series of employees at the financial institution XXXX supervisor or manager who said his name was XXXX which he along with another upper staff by the name of XXXX at XXXX XXXX XXXX who issued me a credit card with a extremely small limit.. I explained to each of the staff members that I would like to speak to the underwriters to each of the staff members I spoke to but each said I need to call experian which I did so. Not only have I spoke to experian but I spoke with all 3 credit bureau companies and they each confirmed my scores are in XXXX status XXXX  experian has me at XXXX which it was XXXX at the time I applied for the credit card so that XXXX inquiry dropped my score a ridiculous amount. XXXX XXXX has my score at XXXX but when I spoke with my credit union they said XXXX XXXX hasn't updated but they see XXXX score and equifax which takes forever to update will soon update my score back to the XXXX which currently it says XXXX until updates in the system .. so then I spoke to the supervisor supervisor at the XXXX XXXX banking establishment and explained my story of the wrong information the underwriters put on my file of XXXX.. I do have real time screen shots of my score. I even explained to them all my bills are on auto pay and I have no late payments no collection no delinquent accounts on my profile .. the only thing that isn't any longer being added to my profile is my XXXX XXXX card which had no missed payments no late payment or anything negative on it which it was closed due to inactive use over time.. I got that back in XX/XX/XXXX and I have never missed any payments when it come to my credit.. I explained to senior manager XXXX this XXXX XXXX XXXX establishment that this XXXX score is inaccurate because not only did i see my score in the credit bureau account online and in the app but I spoke with them personally and they said everything i and the 3 credit bureau is seeing is accurate I have good scores and everything all around the board.. I honestly feel I have been discriminated against maybe because im from a inner city or maybe my ethnicity but as many times as I tried to explain what my score is I was ignored and they tried to rush me off the phone as if my score doesn't matter or I don't have a equal fair chance of my credit scores .. XXXX XXXX XXXX me down saying my score was too good to not have credit cards on it which made no sense so they referred me to XXXX XXXX XXXX  who pulled this on me. XXXX provided me with a reference number to call back in 5 business days which he did say he would put it in writing and submit it somewhere else to look at everything again.. I told him experian verified my score was now a XXXX after that 1 inquiry I applied for with the credit card.. I earned that XXXX myself by being responsible and I don't appreciate how I was treated .. if I had the XXXX at the time I feel I don't deserve to be slapped in the face with a {$300.00} limit as if I have bad or fair credit. I took all the right steps to build my credit up only to b treated less then a responsible person who takes his finances serious .. alsXXXX XXXX XXXX XXXX  advise me to file a dispute when it came to the inquiry on my credit profile since the information they got was inaccurate

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