Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6382787

Complaint Overview

Complaint ID: 6382787

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: Washington

ZIP Code: 98682

Date Received: 2022-12-31T12:00:00-05:00

Date Sent to Company: 2022-12-31T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my FICO score. Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my ONE investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by my XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.

Frequently Asked Questions

What is Complaint #6382787 about?

Complaint #6382787 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 2022-12-31T12:00:00-05:00.

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.

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