Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This report is in reference to two reports, 1 report # XXXX filed on XX/XX/XXXX then additional report # 2, report # XXXX against Experian credit reporting with add information. I just received an email from Experian, dated XX/XX/XXXX that there response to the above two complaints, both really one, as to the falsely, inaccurate, and incorrect reporting they are reporting on my Experian credit report as a creditor, XXXX XXXX XXXX, that was discharged in XXXX bankruptcy, Experian is refusing to, not only report correctly, but actually continues to report this creditor as, account charged off, written off, AND NOW past due as of XX/XX/XXXX!!! Again, this account, XXXX XXXX XXXX that suddenly appeared on my Experian account as noted above in XX/XX/XXXX but never before this month, and was included with other creditors in bankruptcy filing in XXXX is outrageous. Out of the creditors in XXXX included in my bankruptcy, Experian chooses to pick XXXX XXXX as somehow being charged off, written off and PAST DUE as of XX/XX/XXXX in their response is illegal, false reporting and misleading information on a credit reporting agency site. This creditor, XXXX XXXX should be, legally, shown in bankruptcy records, and reported as included in bankruptcy of XXXX, WITH ALL THE OTHER CREDITORS INCLUDED IN THAT BANKRUPTCY FILE!! This false, misleading and now, illegal, I believe, and unethical practice of reporting this creditor, XXXX XXXX as past due as of XX/XX/XXXX is completely UNTRUE. Just check bankruptcy! Experian is deliberately refusing to report accurately, correctly as to this discharged creditor in bankruptcy but chooses to report it as past due is hurting my fico score by XXXX points for false, misleading information to this creditor. Im asking this government agency to file a formal complaint against Experian at this time. Nothing other then immediately removing this creditor, XXXX XXXX from my Experian credit report, reporting it as included in bankruptcy and Not past due will be accepted.. Ive already informed Experian of filing a civil complaint in small claims court by the attorney of record for the bankruptcy filing if not addressed. Apparently, Experian and incompetent representatives are now deliberately ignoring, and falsely reporting this information about my credit using there agencies resources as to public or American citizens credit reporting. This is abuse of authority and unethical conduct from a credit reporting agency that is overseen by the federal government. Im now asking the federal government to step in and stop this nonsense. Im starting to believe Im being racially targeted and discriminated against at this point. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief