Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of 2025, my daughter paid off a privately-funded ( Bank ) College Student Loan of which I was a co-signer on. Because of that, my credit score experienced a XXXXpoint drop. I immediately called Experian to inquire why, and they claimed it was because my daughter paid off her loan, I was a co-signer, and that's how their system works. I was ASSURED my credit score would recover within 45 days. It never did. 
In XXXX of XXXX, my daughter paid off yet another privately-funded ( Bank ) College Student Loan of which I was also a co-signer on. Because of that, my credit score experienced yet ANOTHER XXXXpoint drop. I once-again called Experian, requested an investigation in to why it dropped again AND why my XXXXredit score hadn't recovered from the first drop in XXXX ( now, at least 60 days AFTER that drop ). I was once-again ASSURED my credit score would recover AGAIN in 45 days. It never did. 
In XXXX of XXXX, I acknowledge I bought a new car resulting in a Financing need and a " hard hit '' on my credit by the Auto Dealership. That one single hit resulted in a XXXX - XXXX  point drop!! Naturally, with the purchase of the new car, the old car is exchanged, and that loan is satisfied by the Dealerships payoff of that loan. 
And, today, XX/XX/year>, for absolutely no described reason, my credit score has dropped yet ANOTHER XXXX points. 

My overall debt ratio has NOT fluctuated much at all. I have NEVER been late on ANY payments to ANYONE. I have NO collections, NO defaults ; I have an EXTENSIVE payment history with my creditors, and history of maintaining various mortgages, rent, car loans, credit cards, etc. 

Experian has continuously demonstrated only the interest in downgrading my credit score without cause ( except for the new vehicle purchase that occurred in XXXX of XXXX  - although XXXX points for that one " hard hit '' is HUGE!! ) I maintain Credit Lock on my account, I pay for a monthly monitoring fee with Experian, and do NOT casually or loosely apply for ANYTHING unless it is a car purchase ( maybe every 3 years ), or a mortgage or rent application. 
Experian has no interest in demonstrating a justifiable reason for this continued degradation of my score, do not take any investigation action when demanded to, do not provide answers to the request for investigation, and clearly do not abide by their own assurances that credit scores will recover within 45-days for items such as loan payoffs, as is CLEARLY demonstrated in my credit score history. 
For years and years, I have maintained stellar credit, with scores in the very-high XXXX 's to low XXXX 's. Clearly, Experian is only interested in degrading that stellar history of credit scoring as is CLEARLY demonstrated in the continuous downgrading of my credit score.

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