Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
My initial XXXX credit score as of XXXX, XXXX showed XXXX. 
Prior to any contact with Experian Credit Bureau, my credit score was XXXX. 
The access to my credit score from vendors and merchants had to be locked to prevent hard credit inquiries from causing the credit score to decrease. 

In XXXX, XXXX, I received an email message from Experian Credit Reporting Bureau regarding a credit service which they refused to explain how it works, its purpose, and monthly cost.

Due to having my confidential information which includes my checking account number, Experian activated a service without my written or verbal, consent and attempted to draft monthly payments from my checking account without success. 

My checking account is with XXXXXXXX XXXX. 

Since XXXXXXXX XXXX  has been instructed to reject or decline any payments without my authorization to any merchant, including a monthly fee from any business, 3 payment collection attempts from Experian Credit Reporting Bureau were declined. 
Experian is unable to prove any amount is owed to them by me. Experian also refused to cancel their unauthorized credit service. 

After their first collection attempt had failed, my credit score decreased by XXXX points with no reason given by Experian. This company made it impossible for me to contact them .to contact them. 

I was approved for a mortgage loan buy Regions bank when my XXXX score was XXXX. The 90-day approval period expired due to the home owner not making the repairs in a timely manner to meet the mortgage company requirement and close on the loan.

I did not have enough time to find another home that would pass building inspection by its municipality and building requirement by the mortgage company.

In the past 3 months none of the information on my credit report showed late payments, defaulted accounts, or collection attempts by anyone.

Since they are unable to prove any negative information, and will not
change the FICO score back to the original number, Experian Credit Reporting Bureau is now in violation of the " Fair Credit Reporting Act. '' Experian has also sent their inaccurate FICO score to the other credit reporting bureaus XXXX XXXX XXXX and 1 other bureau ).

I currently have a mortgage loan in process and need my FICO score returned to the original number reported before Experian attempted to enforce their unauthorized service.

Experian is well aware of being in violation of Federal Law, and refuses to correct the FICO score.

I need your assistance in getting my FICO credit score returned to 687 which is the number prior to Experian sending unauthorized drafts to collect on an unauthorized credit service. My FICO score is currently showing XXXX ( poor rating ). 

XXXX XXXX XXXX

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