Experian Credit Reporting Complaint

Credit monitoring or identity protection account terms and changes

Experian Credit reporting department,

Credit monitoring or identity protection Account terms and changes Virginia

I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me $240.00 a year and I expect to have accurate information. I recently applied for a refinance loan because the credit score that I see when I log into my account shows -. However, when the lender pulled my credit scores they indicated that my score is -, almost a - point difference. I was denied the loan because their minimum score is -. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.

Experian customer in Virginia
Sep 15, 2016

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with explanation

Consumer disputes how Experian handled their complaint

Created with Highcharts 4.2.3ExperianComplaint HistoryComplaints10/201211/201212/20121/20132/20133/20134/20135/20136/20137/20138/20139/201310/201311/201312/20131/20142/20143/20144/20145/20146/20147/20148/20149/201410/201411/201412/20141/20152/20153/20154/20155/20156/20157/20158/20159/201510/201511/201512/20151/20162/20163/20164/20165/20166/20167/20168/20169/201610/201611/201612/20161/20172/20173/20174/2017020406080Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3ExperianCredit monitoring or identity protection49.1%28.0%21.0%1.9%Closed with explanationClosed with monetary reliefClosed with non-monetary reliefIn progressSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageCredit monitoring or identity protection0.0%18.4%0.1%14.6%65.5%1.2%Untimely responseClosed with non-monetary reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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