Credit One Bank Not Reporting to Experian

[Anonymous]

Has anyone had an issue with Credit One Bank not Reporting to Experian????  Heres my story so strange and feels at this point intentional.... I have had a Capital One Bank CC since 2019. Last fall I checked scores. Experian 45 points lower than Equifax & Transunion. One glaring BIG difference was No Activity, No Available Balance and No Payment history of any kind since 2019 on my Credit One Bank CC.  Credit One is reporting to Equifax & Transunion its jut Experian showing no reported activity. I have disputed with both CC & Experian each blames the other & 6 months of fighting this still no accurate reporting.  I recently sent copies of Bank Statements and CC Statement Certified Return Receipt (mailed today) to Experian.  Why is no one fixing this?  CC companies utilize Experian most often when determing eligiblity for lower interest cards and this is financially destroying me.  Is my credit Experian report and score being driven down on purpose you think?  Spent hours and  hours on phone with Credit One Bank and Experian no will investigate. I've went straight to the top at Capital One Management and they, I can assure you, are not trustworthy in the slighest bit. 

[FireMedic1]

It's possible that your name or some other info got mixed up. In that case, the account is not being associated with your credit file, so it won't be connected to you. Pull your real credit reports from annual credit reports and look over it with a fine tooth comb on EX. Compare them all and it may have 1 letter off. Even a middle initial. Jr or SR too.

[FLLGuy]

@Anonymous- Interestingly enough I also opened CreditOne back in Octoboer of 2019.  Unfortunately, I also experienced the same fate about 6-7 months ago noticed Experian reports did not include CreditOne.

• August 2021 - actually paying closer attention to my freecreditreports I noticed Credit1 was missing going back since June 2021.
• Called Credit1 - they said not our problem go pound sand the worst customer service.
• Called Experian - also given the run-around until I called in a 3rd time and spoke to someone with somewhat of a working brain.  The person listened to my complaint and had to open an escalation case for further review.  She put me on hold and 10mins later I spoke with someone from the U.S. and was extremely helpful. 
• Experian Escalation - Explained to me after their investigation concluded the problem originated from Credit One without any explanation as to why.  However, just like you Equifax and Transunion were reporting without a problem.
• 2 weeks later - I get an alert from Experian the dispute is closed/resolved and points earned went up by like 7 or 8.

I don't run any money through CreditOne and it's worse than year old stale open bag of cookies.  I will close them in the near future after closing on a new mortgage.  They have served their purpose as a credit stepping stone.

[Anonymous]

I knew it!!! I just knew there were more people out there, had to be.  Its only an error if you fix it upon learning of it but when you go months and still dont fix it I say its intentional.  I have been working on this since Fall of 2021.  My credit scores are great with Equifax and Transunion and would be with Experian if not for Credit One Bank. They are a great stepping stone but that time has passed and time to move but appears credit one bank doesn't want me to move on. Yeah we shall see about that. Most confident Experian will once and for all correct with information I just sent but if not its Certified Return Receipt from here moving forward with CC and Experian. Online was easy but completely ineffective for this situation.   

[Anonymous]

In the beginning thats what I thought too but no definately not it. Everything matches up perfectly, socials, addresses, accounts, balances on other accounts EVERYTHING matches.  I have stacks of Experian credit reports, everytime I dispute I get a new credit Report and have my free annual credit reports as well.  This is intentional based off Credit One Banks bizarre behavior.