Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are XXXX major concerns that I have with my Experian XXXX XXXX. My Experian credit report does not reflect the entirety of my credit profile. My Experian score decreased XXXX points because of an auto loan with XXXX XXXX that was paid in full. The loan was actually refinanced at a lower interest rate with XXXX XXXX XXXX XXXX, a different lender, and while the other bureaus reflect the new loan Experian does not. This XXXX loan was in good standing prior to the refinance. 

Furthermore, the application or methodology used to assess scores to the Experian report is inconsistent. For example, my score reduced XXXX points after paying off the XXXX loan that also reduced my tradelines of credit. Theoretically, reduction of debt when paid on time in full is a positive thing- since I have satisfied my obligation on time in full- yet I am penalized with a XXXX reduction. Published on Experian 's own website, is " when debt is reduced it is listed as a positive factor that contributes to your overall Experian score ''. 

Experian has routinely reduced my XXXX XXXX as a result of positive activity at an aggressive rate of points reduced- versus when my score increases after some time- but not at the same rate of decrease - and the circumstances/scoring factors are the same - yet the increase does not match the decrease. So, for example, in XXXX instance I will get a score reduction of XXXX points but when circumstances improve or debt is even more reduced - my score increases but only by perhaps XXXX points yet, all of the indicators are the same. The criteria used by Experian is not applied equally for the same circumstances - reductions are always greater than increases despite what positive activity transpires. Meaning, my score in the first example will not return to a XXXX increase once Experian reports XXXX new loan, even though the circumstances that led to the reduction in the first place were not equitably or logically applied to my credit profile despite the circumstances being improved - less debt. All of the indicators for my profile that Experian provides on its platform to explain " what changed '' are positive - yet, my score has reduced by XXXX points. If this gets adjusted upward it will not be XXXX points increase. This happens very often. This is not the first time my XXXX XXXX has been reduced for ambiguous reasons only then to then be increased back again, but at a rate much less than the original decreased amount ; despite the published criteria or factors used by Experian that govern the decision to decrease or increase my XXXX XXXX in my profile - that Experian itself identifies as a Positive impact, and are the exact same criteria that will then be used to increase my score again but at a much lower rate of increase. This is an inequity that is not coincidental, and I demand it be rectified. I have historical screenshots of score activity and factors listed for the change in scores - both increases and decreases - from the Experian Website that show the inconsistencies since the factors/criteria are all positive ones published by Experian itself and yet I get decreased ; as well as the historic trend of decreasing my score more than it ever increases. 

My score seems to increase to a certain point then always for an arbitrary reason is decreased by XXXX points, XXXX points XXXX points, XXXX points- only to slowly climb again and once at a certain point it always reduces yet again. However, when I look at the factors reported by Experian that were used to make the decision - those factors do not correlate to the reductions since those factors listed are categorized by Experian as positive.

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