Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5617706

Complaint Overview

Complaint ID: 5617706

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: Difficulty submitting a dispute or getting information about a dispute over the phone

State: West Virginia

ZIP Code: 257XX

Date Received: 2022-05-27T12:00:00-05:00

Date Sent to Company: 2022-05-27T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Not certain if this is the correct form. It fell between categories. Experion, though their boost program, is supposed to help you raise your credit score by linking to your accounts then reporting your payments. They lied, it's a scam. In my about 20 days as a member, I have had nothing but problems with them staying connected. They haven't reported anything like they're supposed to. They keep 'losing ' or 'disconnecting ' one of my accounts to the point where it locked up my original account with that provider. I have been disconnected at least 10 times, I quit counting after the day it happened four times in as many hours. When I contacted them about that, they sent me some automated response about how they weren't connected to every bank yet and they'd look into it. Which they did not since by the next morning I had to reconnect that same account. They *claimed* it's on the other end, that the bank updated their security or you changed your password the second and third time I tried to contact them about this issue. Neither of which is true. The one time I had to change my password - because logging in to reconnect locked that account - I did finally get it to reconnect for all of XXXX hours. Then it was lost again. They have made no effort to report anything on that account either. They claim they need at least 3 months of payments when I asked customer support about that. I have 8 years of payments on there. Not a single one has shown up as reported. They also say they can link into another credit account of mine and supposedly, somehow, can't connect to it for those same 20 days. They also try to sell you on signing up for various credit cards, which will end up hurting your credit score so you need them even more, and you can not unsubscribe from those emails. I have tried, three times, and it will not take the unsubscribe. I have connected them on both matters. Their customer support is vaguely hostile with the way they do not pay any attention to anything you've written to them. I'm not sure if it's one of the automated responses or not but I get form letters about nothing relevant. In the last day and a half I have exchanged seven emails with them about the connectivity issue. It should be easy to fix on their end. I have gotten what looks like automated responses about everything *but* what I've written to them about. Their phone customer service has nothing to do with boost, they're just there to ask about things in your credit report.

Frequently Asked Questions

What is Complaint #5617706 about?

Complaint #5617706 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 2022-05-27T12:00:00-05:00.

How did Experian Information Solutions INC. respond to this complaint?

The company responded with: "Closed with explanation". 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.

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