Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4965134
Complaint Overview
Complaint ID: 4965134
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Virginia
ZIP Code: 20136
Date Received: 2021-12-01T12:00:00-05:00
Date Sent to Company: 2021-12-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX, XXXX and Experian are redlining my credit profile. These Bureaus are at fault for reporting account information multiple times. In XX/XX/2021 I closed XXXX account on my profile. XXXX, XXXX XXXX and XXXX. All of these accounts reported on the date that they were supposed to report in XX/XX/2021. The credit Bureaus all increased my score across the board. On XX/XX/2021 XXXX sent an alert that my score had gone up from XXXX to XXXX because an account removed a delinquency from my report. XX/XX/2021 XXXX updated my score by XXXX points from XXXX. On XX/XX/2021 XXXX sent an alert that a high utilization had decreased and my score had went from XXXX to XXXX. On XXXX XXXX XXXX reported that my score had went from XXXX to XXXX because a collection account was removed from my profile. On the same day XXXX lowered my score from XXXX to XXXX did not provide a reason for the change. On XXXX XXXX XXXX sent an alert that the balance on my bank card has DECREASED causing my score to drop from XXXX to XXXX. The same day Experian sent an alert that the balance on XXXX of my accounts decreased by {$85.00} causing my score to increase XXXX points to XXXX. On XX/XX/2021 an alert from XXXX that my score had decreased from XXXX to XXXX. On the same day XXXX sent an alert that my score had dropped from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX. No explanation was given. On XX/XX/2021 XXXX sent an alert that my score had went from XXXX to XXXX without any explanation. On the same date XXXX sent an alert that my score had dropped from XXXX to XXXX no explanation was given. On XX/XX/2021 Experian sent an alert that my score had decreased from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX reported that XXXX XXXX had reported that my account was closed and in good standing. XXXX lowered my score from XXXX to XXXX. On XX/XX/2021 XXXX reported that an account balance had increased by {$75.00} which caused a change in points from XXXX to XXXX. On XX/XX/2021 Experian sent an alert that an account on my profile had been updated as ( XXXX XXXX ) from XXXX. XXXX is not a loan it is a line of credit. Experian lowed my score by XXXX points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that XXXX had updated my account as closed and paid as agreed dropping my score from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX because XXXX reported that the account was closed at my request. These Bureaus are REDLINING my credit! I have no collections or bankruptcies. I have reached out to each bureau to get a reasonable explanation as to the dramatic drop in points in the course of XXXX weeks. No explanation was given. I am filing this complaint because there is no official way to complain directly through the bureaus. I am requesting that a formal investigation be preformed.
Frequently Asked Questions
What is Complaint #4965134 about?
Complaint #4965134 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-12-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.