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: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I independently purchased my credit scores from all three major credit reporting agencies : Experian, TransUnion, and Equifax. 

On that date, Experian reported a credit score that was 45 points lower than what TransUnion and Equifax were simultaneously reporting through their own systems. I repeated this comparison on the same day to ensure the results were not due to timing discrepancies.

Experian stated that my credit score would automatically update by XX/XX/year>. However, prior to that date, I again paid for updated scores from all three agencies and Experian continued to report my score significantly lower than the other two bureaus.

This is not a question of methodology difference alone. The issue appears to be that Experian is not accurately reflecting my credit data in a manner consistent with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they provide. 

Additionally, Experians Boost program appears to offer score increases in exchange for consumer-permissioned access to bank and utility account data. In my case, I was told that my score could be improved if I shared more financial data with Experian. This strongly implies a pay-for-accuracy model where more complete and favorable reporting is only unlocked through additional personal disclosures a model that may be considered deceptive under 15 U.S.C. 45 ( a ) ( the FTC Act ) and relevant CFPB enforcement authority.

Furthermore, Experian has failed to respond to my previous complaints within the time frames required by the CFPB process, further compounding the issue.

In addition : I had others with good credit replicate my process independently, and they reported similar discrepancies Experian scores being significantly lower than those from TransUnion and Equifax.

If this pattern holds across a broad population, it may constitute a systemic misrepresentation or suppression of favorable credit scoring data by Experian, which could affect millions of consumers.

This is not just a personal grievance it appears to be part of a widespread issue that violates the spirit and letter of the FCRA, and potentially other consumer protection statutes.

I am requesting : A full investigation into Experians scoring practices, Immediate correction and re-issuance of my Experian credit score based on complete and accurate data, Clarification on the scoring algorithm Experian is using and why it diverges so drastically from the other agencies, Enforcement action if Experian is found to be violating federal consumer credit protection laws.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2025

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