Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have an active account with Experian. I do check my credit report and XXXX XXXX every month because the credit companies have more and more inaccurate information show up on my credit lately. 

I checked my credit report on XX/XX/XXXX and saw that my XXXX XXXX had dropped not XXXX, XXXX or even XXXX points but a whole XXXX points. I have never had this happen before in over 10 years only while trying to get my credit together. For someone working hard to get and maintain good credit, that is a lot. When I looked into, all it said was, " Comparing Reports from XX/XX/XXXX, to XX/XX/XXXX, the balance of XXXX of your Self-Reported Utility account increased by {$53.00}. I assume they were talking about the Experian XXXX that I have put in utility bill manually to boost my XXXX XXXX. While there were a few problems with this. So, on XX/XX/XXXX, I called Experian XXXX times! Unless you say the right word the automative system does not connect you. I spoke to XXXX different people and the wasn't until the sixth one, that I got through. She suggested that I do a XXXX way on the phone with the number she had given me because I told her I didn't know what words to say to get a live person. She stayed on the phone with me, told me words to say and I finally got a live person. 

Number XXXX, they didn't list the company or utility that this increase came from. XXXX, boost is not supposed to affect my XXXX XXXX as they as only supposed to report added accounts in good standard and monitor how many times that company is recorded as paid so I can get credit from that. Third, if this was a utility bill, why or when are they reporting utility bills, as they fluctuate up and down all the time. The whole idea of XXXX is to give them information on your utilities to help boost your credit not decrease your credit. I told they representative I could not file a complaint because Experian didn't list the name of the company in question. By the way, I did check all of the Self-Reporting enters I did, and all read in XXXX XXXX. So that is why I call they. The Experian XXXX told me that she sees what I am talking about but can't help me because they don't have any control of the credit scores going up or down. I told her I disagree. Someone put information in my credit report about a utility bill increasing and the only one that does that is Experian XXXX. She said she can't see what company it was and there is no one authorize to give credit advise and anything. I asked her how am I to dispute with inaccurate information that is lowering my credit a lot at XXXX time. She replied she didn't know how to help me. We kept going around in circles, so I hung up. 

So, since I didn't know what company Experian was talking about and neither did they, I got back on Experian website and deleted all the utilities that I reported information on to Experian. The next day on XX/XX/XXXX, my score downed another XXXX points! 

My you, my XXXX XXXX was XXXX now it is XXXX and slowly dropping for no reason. I have worked hard keeping it in good standard. If Experian can't and won't tell me how I can fix the problem, how can I find out where this is coming from so my credit won't suffer any more lost?

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