Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8444163

Complaint Overview

Complaint ID: 8444163

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

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

State: Virginia

ZIP Code: XXXXX

Date Received: 2024-02-28T12:00:00-05:00

Date Sent to Company: 2024-02-28T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I've been trying to fix my credit reports from all three NCRA 's, and I have been successful for the most part, except with Experian. Experian keeps hindering my credit report and credit score when the others have raised my scores with the distinct difference of XXXX points! I have been working on this for several years now, and every time I contact the representatives from Experian they are rude and condescending ( including management ). They do not want to help even when I have my credit report on hand and provide documentation in regard to my accounts. They either report incorrect data, or they are not updating my accounts at all unless I contact them to dispute the inaccurate information, which is affecting my score. The last dispute I submitted recently was to update the status of my XXXX credit card balances, auto loan, student loans, and to remove an incorrect listing of my name and my current employment information. The balances reported to Experian were XXXX months behind, yet XXXX and XXXX both had the correct current information. As a response to my dispute, Experian tanked my credit score by XXXX points! They have had the same information all along, and the only information that was updated was positive information and deceasing account balances. This does not make any sense! Why would they decrease my score by XXXX points ( its down to XXXX, when they haven't penalized me in the past ), and XXXX and Experian raised my credit scores to XXXX and XXXX. When I called to question about the negative changes, they claimed that the late payments on my student loans from years ago are why. When I pressed further, they stated that they use the exact same algorithm tools ( XXXX XXXX and XXXX XXXX ) as the other NCRA 's and they can't explain why my score was impacted so negatively, or why there is such a distinct difference in the scores. I can understand some variations ; but not a XXXX point difference! This is unacceptable and lacks transparency to consumers. This has been an ongoing struggle since 2020. They have wasted my time and its not fair how they are treating consumers when their reporting is deliberately affecting my personal life, my ability to buy a home, and their practices have caused issues with my security clearance in the past. Its not fair that they don't want to fix mistakes they are making, or use a more transparent method of calculating the scores in line with other NCRA 's. I need help getting this resolved.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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