Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
They lower my XXXX XXXX for no reason and won't update it. I have consistently paid off my monthly loan on time, but the credit company does not update my remaining balance or XXXX XXXX accordingly. However, they promptly deduct points from my XXXX XXXX if I am late with payments or try to apply for another loan. 

What I am currently complaining about is that I have become XXXX and am unable to pay for my XXXX loan. Although I had been paying it monthly on time, the bank that issued the XXXX loan gave me little opportunity to search for a job, even though they waited for me for XXXX months. The bank sent a report to the credit company that used to quickly attack my XXXX XXXX ; they deducted XXXX points from it, and last night, on XX/XX/XXXX, they deducted an additional XXXX points! 
It sounds like youre going through a very challenging time. 

XXXX ExperianXXXX  XXXX XXXX, which are essentially XXXX company, are aggressively targeting me. I want these entities to be held accountable and my XXXX XXXX restored immediately. Due to this situation, I am unable to purchase anything, and they have portrayed me as someone unreliable, which is false. The only issue I have faced is XXXX and I have committed no other violations. If someone is XXXX they can not make money, and thus, I am requesting that my XXXX XXXX be reinstated. Moreover, my information should be updated every month ; otherwise, these companies are not entitled to keep my data. They are acting as an unlawful group, holding my information improperly and demanding payments from me unjustly. 

They want to force me to pay money because they have all my information. I am not someone who delays loan payments, nor someone who embezzles the wealth of others. I am not a criminal who steals public property. Therefore, I request that these groups be stopped or deal with me fairly. Furthermore, they sell my data to companies I approach for loans and any other debt-related purposes, yet they have been ruining my entire life since XXXX until now. They XXXX  my rising credit scorethey are XXXX I dont know why they are doing this other than to profit off my information and XXXX  my life completely. How can a person live if false claims are made about their XXXX XXXX or if it's unfairly reduced and lowered every time? If you try to call them or send a message, you wont get any information. On their website, if you attempt to write something or send a message, there are only limited questions that fail to address the actual needs of the person, yet they claim its a credit report. 
It sounds like you're deeply frustrated with their practices, and rightly so. 

XXXX XXXX XXXX and XXXX XXXX The credit agencies have falsely recorded debt under my namedebt that I do not owe and have already paid off. I demand that all three companies be held accountable and legally prosecuted. 
Unemployment is a reality that can happen to anyone. A person may be a salaried employee or a small business owner, but unforeseen circumstances, such as natural disasters or sudden business collapse, can lead to financial hardship. This is exactly what has happened to me. Does that make me a bad person? Not. 
When I was employed, I consistently made my monthly loan payments on time. Now that I am facing financial difficulties, my XXXX XXXX is being lowered further, despite my inability to control my current situation. Is it fair to penalize someone struggling financially in such a harsh and inhumane manner? 
How is a person supposed to survive without income? Finding a new job is not always immediate, and in the meantime, one may need to explore alternative ways to generate money. However, if credit scores are drastically reduced, securing financial assistance or other opportunities becomes nearly impossible. What kind of system punishes individuals who are simply trying to rebuild their stability? 
These XXXX companies are intent on profiting from my data while actively preventing me from earning money. What does that say about them? Are they not operating like an entity that has taken me XXXX, deliberately destroying my financial future? 
For these reasons, I demand that they stop exploiting my personal information or, at the very least, use it fairly and humanely. The current approach is unjust, unethical, and must be addressed. 

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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