Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Systemic Credit Reporting Errors, Failed Product Delivery, and Dispute Resolution Failures- Experian & Equifax Complaint Description : I am filing this complaint regarding multiple systemic issues with Experian 's and Equifax 's handling of my credit report and services that are impacting my ability to refinance my mortgage. 

Issue # 1 : Major Score Discrepancy ( Experian ) My credit scores show a significant and unexplained XXXX discrepancy : XXXX  : XXXX Equifax : XXXX Experian : XXXX This massive variance suggests serious errors in Experian 's reporting or calculation methods, as my credit profile should be consistent across all three bureaus. 

Issue # 2 : Failed Experian XXXX Program Enrolled in Experian XXXX with promise of XXXX score increase System calculated my score incorrectly XXXX points were actually added despite the promise Made multiple calls in XXXX with no resolution - 1 time I was told the system was down for Boost and the other time they could not provide any information. 
Have documentation and screenshots proving the promised increase. 

Issue # XXXX : Failure to Implement Approved Dispute Resolutions ( Experian & Equifax ) Filed disputes for XXXX late payment entries across all three bureaus XXXX properly removed the late payments as approved Experian and Equifax have both failed to implement the same approved dispute resolutions This creates artificial score suppression and inconsistent reporting Have confirmation of approved disputes ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX The fact that XXXX  XXXX these items proves they were invalid and should be removed from all bureaus Issue # XXXX : Pattern of Poor Service ( Experian ) Sent emails on XXXX requesting resolution Multiple phone calls No meaningful response or correction to date Experian appears unable to properly manage my account Financial Impact : I am closing on a condo next week and these erroneous behaviors likely caused me thousands of dollars in interest. Because of this, I am planning to refinance my mortgage as soon as rates drops. The artificially low Experian score and failure to remove invalid late payments has cost me thousands of dollars in higher interest rates, as many lenders use the middle score from all three bureaus.

Resolution Requested : Immediate investigation of score discrepancy on Experian Correction of Experian score to accurately reflect my creditworthiness Proper delivery of promised Experian Boost points ( XXXX ) Immediate implementation of previously approved dispute resolutions on both Experian and Equifax Investigation into systematic failure to update account corrections Written explanation of what caused these errors Expedited timeline due to upcoming refinancing needs I have attached documentation including emails, screenshots, evidence of the promised score increases that were never delivered, and proof of approved disputes that have not been implemented.

Company response to consumer: Closed with non-monetary relief