Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Experian Information Solutions XXXX XXXX for failing to ensure accurate reporting of my credit information in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The purpose of this complaint is to request the XXXX XXXX XXXX XXXX ( CFPB ) intervention to enforce my rights under federal law. Despite maintaining a credit profile that contains no late payments, no collections, no charge-offs, no public records, and no XXXX  inquiries, Experian continues XXXX report my XXXX  XXXX  as XXXX ( XXXX ). This reporting is not only inaccurate and misleading but also directly harmful to my financial opportunities. 

I am therefore demanding a reinvestigation and correction of my XXXX XXXX reporting, consistent with the obligations imposed upon consumer reporting agencies under the FCRA. 

Background and Evidence I monitor my credit reports regularly to ensure accuracy. My Experian profile reflects : No late payments on any open or closed accounts. 

No collections or charge-offs reported by any furnisher. 

No public records, liens, or bankruptcies. 

No XXXX  inquiries within the last XXXX years. 

No derogatory marks or negative accounts. 

Despite this completely clean profile, Experian continues to calculate and report my XXXX XXXX as XXXX, a rating categorized as XXXX. I have attached a screenshot of XXXX  reporting dated XX/XX/year>, showing the score of XXXX with no change. 

This is illogical, misleading, and contrary to the FCRAs standard that consumer reporting agencies must maintain procedures to ensure maximum possible accuracy of the information they report. A XXXX XXXX of XXXX is incompatible with a file that contains XXXX derogatory accounts, collections, or inquiries. 

Applicable Law Under the FCRA My rights are clearly defined under the Fair Credit Reporting Act : XXXX XXXX. XXXX ( FCRA XXXX ( a ) ) XXXX declared that consumer reporting agencies have a grave responsibility to ensure that information is fair and accurate because credit reports directly impact consumers ability to obtain credit, insurance, employment, and housing. 

XXXX XXXX. XXXX ( b ) ( FCRA XXXX ( b ) ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By reporting a XXXX score on a profile with no adverse information, Experian is failing to follow reasonable procedures. 

XXXX XXXX. XXXX ( FCRA XXXX ( a ) ( XXXX ) ) Consumers have the right to obtain all information in their file. I have requested explanations of what factors are suppressing my score, but Experian has not provided any adequate response or justification for such a low rating. 

XXXX XXXX. XXXX ( FCRA XXXX ) Consumers have the right to dispute incomplete or inaccurate information. Upon receipt of a dispute, the consumer reporting agency must conduct a reinvestigation within XXXX  days and provide written results. Experians reporting of an artificially suppressed score qualifies as inaccurate because it does not reflect the true state of my credit history. 

XXXX XXXX. XXXX ( FCRA XXXX ) Any unverifiable information must be blocked from the credit file. If Experian is incorporating unverifiable algorithmic or systemic scoring suppressions, those must be corrected immediately. 

Legal and XXXX XXXX A XXXX XXXX of XXXX strongly suggests the presence of serious derogatory information such as collections, charge-offs, bankruptcies, or multiple late payments. None of these are present on my file. 

Therefore, XXXX reporting is both inaccurate and incomplete under FCRA XXXX ( b ). Accuracy requires more than avoiding outright falsehoodsit requires that reporting not be misleading. Courts have consistently held that information can be considered inaccurate if it is technically correct but creates a misleading impression about the consumers creditworthiness. 

In this case, reporting me at XXXX XXXX despite the absence of negative information misleads potential creditors, landlords, and employers into believing I have a history of mismanagement or delinquency when I do not. This artificial suppression of my score is the equivalent of reporting inaccurate information. 

Moreover, Experian has not provided a valid explanation of which scoring factors justify this depressed score. Without transparency, Experian can not meet its duty under FCRA XXXX ( a ) ( XXXX ) to provide full disclosure of file information. 

Harm Caused Experians failure to accurately report my score has caused significant harm : Financial Harm A score of XXXX prevents me from accessing mainstream credit products. When I apply for credit, I am either denied outright or subjected to extremely high interest rates. This has a direct monetary cost. 

XXXX Opportunities Many landlords conduct credit checks. A XXXX score falsely signals that I am a high-risk tenant, limiting my housing opportunities and potentially leaving me at a disadvantage in securing safe and affordable housing. 

XXXX XXXX XXXX in certain industries review credit reports as part of background checks. A depressed score damages my professional reputation and employability. 

Emotional and Reputational Harm The stress and frustration of being inaccurately portrayed as financially irresponsible is a direct consequence of XXXX noncompliance with the FCRA. This reputational injury compounds financial harm. 

Request for Relief I hereby demand that the CFPB require Experian to comply with the FCRA and correct my reporting as follows : Reinvestigation Conduct a full reinvestigation under FCRA XXXX into why my score remains at XXXX despite a clean profile. 

Correction of XXXX Update my XXXX XXXX to accurately reflect my payment history and absence of derogatory marks. 

XXXX of Factors Provide me with a written, detailed disclosure of the specific factors contributing to my score under FCRA XXXX ( a ) ( XXXX ). 

Removal of Unverifiable Suppression If the depressed score is caused by unverifiable algorithmic factors, those must be corrected or removed pursuant to FCRA XXXX. 

XXXX XXXX Provide me with a full written explanation of all corrective actions taken, in compliance with FCRA requirements, within the statutory XXXX period. 

Conclusion The FCRA exists to protect consumers like me from precisely this kind of unfair and misleading reporting. By failing to report my XXXX XXXX in a manner consistent with my actual payment history and credit profile, Experian has violated its duty to ensure maximum possible accuracy. 

I respectfully request the CFPBs assistance in holding Experian accountable to its obligations under federal law. I further request a prompt reinvestigation, correction of my XXXX XXXX, and a detailed written report of the results as required by FCRA XXXX. 

Thank you for your attention to this matter. I am exercising my full rights under the Fair Credit Reporting Act and demanding compliance with federal law.

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