Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has been constantly reporting inaccurate information on my credit report since I have been using credit cards. My Experian score was XXXX points they dropped my credit score down by XXXX points. Claiming I had no data on my account XXXX, 2025 month of using my XXXX XXXX credit card. 

Although XXXX XXXX informed me that they have and do send all of any account activity to the proper businesses for reporting all of my account activity. Experian however refused to add my XX/XX/year> minimum payment that I made to my credit card balance with XXXX XXXX on time to my credit report. They have no data listed on my credit report. Experian think they can get away with this as someone like me may be new to credit. I have been having issues with Experian reporting inaccurate information on my report since the beginning of time and they do nothing about it. 

Because none government citizens can not reach Experian by phone to actually speak with a member about these kind of issues. I would like CFPB to please let Experian know they need to fix the problem and if it continues. The CFPB will take further action to ensure me I am protected and they can not just be doing this to hard working people. I have disputed this issue with Experian but they still remained to keep the inaccuracies on my report which knocks me further behind on being able to build my credit score and or credit so thst I may have a brighter future as well better life opportunities. 

Experian is XXXX how in the world are they reporting XXXX different scores on my Experian and XXXX? When Experian decided to show inaccurate info for my XXXX payment they then raised my XXXX score. I have provided Experian with an document of my latest on time payment made to XXXX XXXX credit card from which was a statement transaction pulled from my personal checking account saved on file with my credit card bank. 

I after the dispute was done by Experian they skipped XXXX for an payment and listed XXXX as NO DATA and listed XXXX for payment made on time which is still inaccurate as my XXXX payment is not due until XX/XX/year>. If Experian keeps this kind of behavior up I will be forced to take legal action on my own outside of the CFPB against Experian as I know the CFPB does not issue any legal advice on these kind of situations. 

In conclusion I believe Experian did this because currently that is my only credit card besides a non traditional bank and I have a lower limit and still getting to understand utilization limits pertaining to credit. Experian trying to get people who visit their site often to join their membership program to get accurate up to date credit scores and reports. I know for sure this is what they do to me. 

As well trying to get me to lower my utilization limit with my credit card so that I may possibly get a higher limit. I believe these reason because of how they continue to advertise by showings me numerous pop ups on why I should do their high monthly membership program valued at {$24.00} a month. My report is always out of date with Experian and if they are XXXX as well then XXXX too. 

My supporting attached documents will show obtained from Experian the before I filed the dispute with the inaccuracies and the after I file the dispute with new inaccuracies filed by Experian! XXXX documents showing my XXXX payment was made on time obtained from my XXXX XXXX credit card account. I had activity on my credit card account with XXXX XXXX for the month of XXXX, XXXX  as the day follows XXXX XXXX XXXX XXXX. 

The other document will show prove that my payment was made XXXX XXXX before the actual due date and credited 3 days before the due date of minimum payment due which would have been XX/XX/year>. My monthly payments due at XXXX XXXX have never changed and is due every XXXX day by XXXX XXXX or anytime before hand in every month my account remains open.

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