Consumer complaint received 2025-10-07 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: WV

Complaint narrative:
This is a complaint about Experian falsely reporting I have no credit rating for over 5 months. I was hoping there was an option to allow for uploading documents to prove my case as Experian has ignored disputes I have sent. Below is a copy of my response to the WV AG when I filed a complaint with them and Experian continues to refuse to address destroying my credit rating. If I can I can upload their letter to the WV AG and other documents. 

If you notice from their reply even they cant say why they destroyed my credit score and history. Their response is their generic text they list on their website. As they did with me they fuse to provide any specific details at all, just say their information is correct. And for them to say they respond swiftly is a joke, its been 5 months and they have done nothing. The attached letter from my bank proves they have continued to report to Experian and have never stopped. 

The only issue Experian lists is with my credit card company, XXXX. I spoke XXXX again on XX/XX/XXXX after getting your letter and talked with, XXXX, employee ID XXXX, from their XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) who stated that when I dispute something with a credit bureau they get a notification. She said they did not get any notification from Experian on either of my disputes I submitted. Further proof they did nothing but close out my disputes, ignoring them. XXXX said they will send me letter from XXXX stating they have never stopped reporting to Experian but I dont expect to get that in the 10 days I was given to respond. However I have attached a copy of the payment history for my credit card that Experian has on their own website proving that during the period they state, Experian has recorded payment history every month. And account is listed on my profile as open/never late, yet they continue with their efforts to destroy my credit history. 

In Experians letter they suggest I have not disputed this with them. That is a lie. I have disputed this twice and they refused to fix it. In the form they provide to submit disputes you can barely enter one very short sentence. The first time was on XX/XX/XXXX. They closed my dispute the same day proving they did nothing to look into it. And look at the time on those emails. It was instantly closed and never looked into. I submitted a second dispute on XX/XX/XXXX which was ignored until I filled my complaint with the WV AG. The date this dispute was finally addressed, closed and ignored is the same date as on the letter they sent you XX/XX/XXXX refusing to address it. See attached. Also, see attached copies of emails proving I submitted disputes. 

On XXXX/XXXX/XXXX the same date as on the letter they provided you they sent an email saying my dispute results were ready giving a dispute number, XXXX. But logging in to check it, it says results are not available. And according to the letter Experian sent you they still say I have no credit score with them.

There have been no changes to any of my accounts in 10+ years and the other two credit agencies are not reporting any changes. My credit history and scores with them remain intact. Experians reply is just a flat out lie. For a company like this that forces you into their system and has complete control over your entire life and can destroy it in an instance and not care. They claim to address this quickly, its been 5 months and they refuse to address it. I am asking for the WV AG to go after with the full extent of any consumer protection laws. This has caused immeasurable harm to me financially and ruined my ability to get a home loan. I had excellent credit in the XXXX with all 3 agencies until Experian did this to me. 

I have attached copies of several emails to confirm dates from Experian proving I did dispute and they did nothing. Their actions are not simply negligence, its criminal. This has done significant financial harm to myself. Housing prices continue to skyrocket and this delay will cost me XXXX XXXX or more. Who should pay that? Me or them?

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