Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5618240
Complaint Overview
Complaint ID: 5618240
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: Maryland
ZIP Code: 20814
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I enrolled in Experian 's Boost feature on their website, connecting my bank accounts so that streaming service payments could be identified and reported as payments on my credit report. The goal is supposedly to boost your credit score by a few points - at least that is what Experian advertises ( https : XXXX XXXX ) and heavily promotes. But my accounts have not been added and I have not received any of the promoted " boosts '' to my credit score for regular payments. When I called today, Experian customer service stated that I had to have utility bills, streaming services, or phone bills to qualify, and that those services had to have been paid three times in the last six months. My streaming services are : XXXX -paid XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - all in XXXX. XXXX - Paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- all in XXXX XXXX XXXX account # XXXX - paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all in XXXX XXXX XXXX account # XXXX - paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these accounts have been added to my credit report as promised even though I have exposed my bank account information to Experian on their promotion and advertisements that I would. The Experian website states that the bank connections from XXXX XXXX to Experian were successful, so there are no connection issues. When I called I was told there was no " guarantee '' that these would be placed on my credit report but the advertising and promotions say otherwise.
Frequently Asked Questions
What is Complaint #5618240 about?
Complaint #5618240 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 2022-05-31T12:00:00-05:00.
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.