Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit score with Experian has not changed or went up from XXXX in over a year and other problems regarding my report were never addressed or resolved. My complaint is against Experian only and does not involve fraud by any other company or agency. I have filled several complaints regarding this matter with Experian and nothing was resolved. I am requesting that Experian do not contact me during this investigation with the CFPB. If any contact by Experian needs to be conducted, I am requesting that it be done through the CFPB regarding this complaint. I was unsuccessful in the past when contacted by Experian during a past investigation and nothing was resolved, Experain also came up with a false response to close the case with no actions taken to fix the problems. Experian is in high violation of FCRA consumer laws in my case. This case and complaint keeps going into circles with Experian with no resolution to the issues. Experian reported and listed a charge off with XXXX XXXX on a credit card account and the account was closed as of XX/XX/XXXX. Experian open the account as active again and closed it back as a charge off on XX/XX/XXXX with XXXX days late causing my credit score to first drop and then it went back to charge off XX/XX/XXXX. As of XX/XX/XXXX, they reopened the closed charge off again as active and listed as a 180 days late causing my credit score to drop even more. It returned back to charge off status on XX/XX/XXXX. On XX/XX/XXXX, they said I was a XXXX days late again with the same creditor and again causing my score to drop more. Each time the status changed from closed to open, then from open to close, my credit score dropped with no exact explanations from Experain when contacting them about the continuing problems. XX/XX/XXXX, it went back to a charge off and they have not reported it again as late or reopened the account in which has happened several times in the past with no explanations. Each time that I contacted Experian about these issues, they claim to have conducted investigations in which nothing was ever resolved and said that the problems were accurate and nothing was changed or my credit score corrected from the problems with Experian reporting. Experian had always blamed the creditor XXXX XXXX about the issues and when contacting XXXX XXXX, they always blamed Experian for the errors and advised me to contact Experian each time to correct going into circles with investigation after investigation in trying to get this corrected. Again, this complaint is only against Experian credit bureau for breaking FCRA laws involving my case by reporting incorrect information on my credit report and incorrect reporting of my credit scores. As mentioned, my credit score has not moved in the right direction in over a year from XXXX and Experian blamed the XXXX agency for the reporting in which nothing was ever resolved or corrected by Experian. MY CREDIT HAS BEEN MOVING IN THE RIGHT DIRECTION FOR YEARS WITH NO ADVERSE ACTIVITY ON MY END BUT MY SCORE HAS NOT BEEN CHANGING IN THE RIGHT DIRECTION ( BY MOVING UP ) AND THE ERRORS WERE NEVER CORRECTED BY EXPERIAN. AGAIN, I DO NOT WISH TO BE CONTACTED BY EXPERIAN REGARDING THIS COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE NOTHING HAS NEVER BEEN RESOLVED WITH EXPERIAN DIRECTLY. THIS COMPLAINT DOES NOT HAS ANYTHING TO DO WITH FRAUD OR ANY CREDITOR AND IS SOLELY EXPERIAN FAULT.

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