Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I WAS CHECKING ALL OF MY CREDIT REPORTS WHICH I DO EVERYDAY TO MAKE SURE ALL MY BALANCES ARE PAID IN FULL SO THAT MY CREDIT SCORE INCREASES AND I ALWAYS CONTACT ALL 3. HOWEVER I HARDLY CALL XXXX AND XXXX BECAUSE THEY BOTH UPDATE MY CREDIT REPORTS ON TIME. BOTH COMPANIES STATED THEY HERE SO MANY COMPLAINTS ABOUT EXPERIAN BECAUSE IT IS SO HARD TO CONTACT THEM AFTER TRYING TO CALL THEM SO MANY TIMES AND THE AUTO MATED VOICE ALWAYS DICSCONTINUES YOUR CALLS.THE LAST PAYMENT I MADE WAS FOR XXXX XXXX FOR $ XXXX WHICH INCREASED XXXX XXXX  SCORE ON XXXX AND XXXX CALLED BOTH OF THEM AND I STATED WHAT EXPERIAN DID AND THEY STATED EXPERIAN WAS INCORRECT TO DECREASE TOUR XXXX SCORE BECAUSE THAT IS XXXX YOU HAVE GOOD CREDIT BY PAYING OFF YOUR BALANCE ON TIME. I THEN LOOKED AY MY EXPERIAN CREDIT REPORT AND I PAID {$33.00} BUT INSTEAD OF INCEASING MY CREDIT SCORE IT DECEASED BY XXXX POINTS AND THERE WAS NOTHING STATED WHY, ALL OTHER TIMES I ALWAYS SEE SOMETHING ON MY ALERTS STATING ANY SITUATIONS BUT NOT THIS TIME WHICH XXXX IS OBLICATED TO REPORT ANY AND ALL UPDATES. I THEN CALLED EXPERIAN AND I XXXX XXXX ( XXXX ) XXXX,. HE IS THE MANAGER OF CASES TO MAKE SURE COMPANIES ARE REPORTING TO UPDATE CONSUMERS CREDIT REPORT. HE ALWAYS HELP ME BUT WILL STATED TO TALK TO SOMEONE IN MEMBERSHIP BECAUSE THEY ARE THE DEPARTMENT WHO CONTROLS UPDATES. WILL LOOKED AT MY CREDIT REPORT AND STATED STATED THERE IS NO REASON THAT WHY IT DECREASED FROM XXXX TO XXXX AND I SHOULD HAVE REORTED AN ALERT SATING WHY THIS WAS INCORECTLY AND NOT SHOULD LOOSE XXXX. AFTER YOU PAID XXXX XXXX. WILL TRANFERED ME TO MEMBERSHIP. *** XXXX XXXX MEMBERSHIP MGR -- ADVISE HIM IT TOOK OVER XXXX MIUTES TO GET THE RIGHT PERSON. STATED TO HIM THERE WAS NO STATEMENT WHY MY XXXX SCORE DECREASED XXXX AND WHY THERE WAS NO ALERTSTAING WHY MY XXXX SCORE. HE STATED BECAUSE I PAID MY BALANCE OF XXXX MY CREDIT CARD BALANCE WHICH IS FALSE BECAUSE I HAD PAID XXXX. HE THEN STATED AND GAVE ME THE MOST NEGATIVE AND INCORRECT REASON WHY MEMBERSHIP LOWERED MY XXXX SCORE AND STATED I SHOULD NOT PAY OFF MY BALANCES. I THEN ADVISED HIM WHY UNTIL THIS GROSS DELIBERATE FALSE UPDATE.THAT I ALWAYS PAID ALL OF MY BALANCES ON ALL OF MY XXXX CREDIT BUREAUS MY XXXX SCORE INCREASE WHEN I PAID OFF XXXX XXXX FOR $ XXXX WHY YOU ARE GIVING FALSE INFORMATION AGAINST ME AS A CONUMER? I THEN STATED TO XXXX I WILL BE FILING A COMPLAINT WITH THE CFPB AND TERMINATED THE CALL. 

*** THIS WAS THE LAST ALERT I RECEIVED.. EXEPRIAN FAILED TO REPORT THE ALERT STATING WHY MY XXXX SCORE FROM XXXX TO XXXX. 
XX/XX/year> Your Dispute Results are ready. 
Check out your latest credit card offer, matched just for you. 
See offer detailsJul XXXXXXXX XXXX Your Account Dispute has been updated. 

XXXX XXXX Balance {$0.00} Balance updatedJul XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Balance updated XX/XX/year> XXXX Balance {$0.00} Balance updated XX/XX/year> XXXX closed accounts Self-reported accounts Total balance : {$240.00} XXXX Balance {$0.00} Balance updated XX/XX/year>XXXX XXXX

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