Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please advise. 
