Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Formal Complaint Against Experian for Persistent Inaccuracy, Credit Score Decrease, and Malfunctioning Boost System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a major credit reporting bureau, due to their ongoing failure to update my personal information accurately, the unexplained decrease in my XXXX XXXX, and issues with the malfunctioning Boost system. 

Name of Credit Reporting Bureau : Experian Account Number : XXXX Date of Complaint : XX/XX/2023 Despite numerous attempts, I have been unable to resolve the following issues with Experian : Inaccurate Personal Information : I have sent multiple validation letters and correspondences to Experian XXXX including the fraud department, requesting the removal of inaccurate personal information, name variations, and phone numbers. Unfortunately, these efforts have yielded minimal results, and the inaccurate information persists on my credit report. 

Credit Score Decrease : I have diligently managed my credit by ensuring that all my credit card balances are consistently below 10 % of usage. However, instead of observing an improvement in my credit score, it has continued to decrease without a clear explanation from Experian. 

Malfunctioning Boost System : The Experian Boost system is not accurately reading all bills, rendering it ineffective. Despite numerous attempts to seek assistance through emails via the webpage, the issues persist, and the Boost system does not seem to work as intended. 
Unauthorized Inquiries Reporting : I have observed unauthorized inquiries reported on my credit report that were not initiated by me. These inquiries are affecting my credit score negatively, and I have not received satisfactory responses from Experian regarding their origin. 
I have taken the following steps to address these issues : Sent numerous validation letters to Experian, requesting the removal of inaccurate personal information. 
Corresponded with Experian 's fraud department to report and rectify the inaccuracies. 
Maintained responsible credit usage by keeping credit card balances consistently below 10 %. 
Enclosed with this complaint are copies of relevant documents, including validation letters, correspondence with Experian, evidence of responsible credit management, and records of unsuccessful attempts to seek assistance with the Boost system. 

I am seeking your intervention to address these persistent issues and request that the Consumer Financial Protection Bureau investigate Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ). I kindly ask for your assistance in compelling Experian to update my personal information accurately, explain the credit score decrease, and rectify the malfunction in the Boost system. 

I appreciate your prompt attention to this matter and thank you for your assistance in resolving these issues.

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