Consumer complaint received 2017-05-09
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 concerning Experian 's re-investigation of a dispute that I made concerning a bankruptcy,  XXXX   County re porting of a federal tax lien,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . In connection with this credit reporting, I have been unsuccessfully trying to get Experian to correct erroneous data in my file or to delete the account entirely from my credit report. I have made these disputes numerous times for more than 60 days now. Initially, I was patient with the disputing and re-disputing. I commenced the initial dispute around  XX/XX/XXXX . At least 3 times previously to this complaint, I had the opportunity to file numerous disputes because the re-investigation terminated before 30 days, which created an opportunity for me to introduce subsequent disputes. With each re-investigation of the dispute, it becomes more frustrating because the erroneous information either remains, or it gets worse. My bankruptcy has been  discharged for more than a couple of years now. For me to refinance my home, it has to correctly reflect the discharge date. Lenders are requiring a two-year discharge of a bankruptcy prior to consideration of an application to refinance. Although the bankruptcy has been discharged, Experian is still showing that it is OPEN, a nd that erroneous reporting is hurtful. I have disputed this status and requested that the date of the discharge is accurately reporting. In the dispute of the  XXXX   County Federal Tax Lien,  I disputed that the tax lien was reporting as UNPAID, and it had not been released. This lien was included in the bankruptcy filed in  XX/XX/XXXX . Moreover, the lien was both paid and released through the bankruptcy. There were  XXXX  of these reporting on my credit report :  XXXX  that were recording in  XXXX  County and the exact same  XXXX  were recorded in  XXXX  County.  XXXX  have been deleted -- - the  XXXX  in  XXXX  County and the  XXXX  in  XXXX  County. I disputed with Experian the discrepancy. If the  XXXX  for  XXXX  County were deleted, the same should have been delete for  XXXX  County ; however, all but  XXXX  was deleted from  XXXX  County. As a consequence of the re-investigation, now, Experian is reporting that the lien was filed and released in  XX/XX/XXXX  ... On th e SAME Day. Th is causes the item to remain on my credit report until  XX/XX/XXXX , although it was initially filed in  XX/XX/XXXX  and included in the bankruptcy in  XX/XX/XXXX . The fact that it was included in the bankruptcy is reason enough to delete it. I was appalled because Experian is not doing their job. How can a lien be filed, paid, and released on the same day?! It does not make sense! The reporting agency has a responsibility to use good judgement instead of automatically slapping nonsense onto a credit report, as if they were a robot. In the dispute of Experian 's reporting of  XXXX   XXXX , I have informed Experian that this account was a part of a bankruptcy that was filed in  XXXX  of  XXXX . More than seven years later, it is still reporting negatively on my credit report. I have been unsuccessfully trying to get them to remove the account because the time has expired for its reporting. Finally, I uploaded to Experian personal information concerning my bankruptcy to prove that  XXXX  was included, and it should be removed. In addition, I had to sue  XXXX  to force them to comply with  Dodd-Frank and grant me a fair loan modification, which was settled through mediation. It took   many attempts to even get Experian to verify that the account was paid off. However, it is still reporting after 7 years of being a part of the bankruptcy. Each time I disputed, I have had to correct subsequent erroneous information that surfaced as a result of the re-investigation.  XXXX   XXXX  was included in a bankruptcy as  XXXX , which  XXXX  acquired from them after the bankruptcy. This account should be deleted. The fact that it was included in the lawsuit that I reported to  XXXX  makes it a civil matter. To continue to report it, even after that, places Experian in the position of taking sides. When this became a civil matter and was settled throug h the courts, Experian should not be reporting the credit line. There was a Temporary Restraining Order and a Temporary I njunction that ordered  XXXX  to cease and desist. This information was reported to Experian to no avail. In the case of  XXXX   XXXX , I have never paid this account late. I requested that Experian removes the negative data, but keep the trade line. My payment left me in time, and it was not returned to me. When I notified  XXXX   XXXX  that the payment was made, but not negotiated, I paid them again. I have never carried a balance on this account. I have always paid them in full each month. If the payment was not received, I immediately paid them. In the case of  XXXX   XXXX   XXXX , I was never given an opportunity to dispute this debt. When I discovered that it was reporting negatively in my file, I contacted them to ascertain the nature of the debt. I discovered that these charges were slammed on me after I paid for a service. I was being charged for a service that I did not receive. I explained this to Experian and  XXXX   XXXX   XXXX . Since that time, I received a letter from  XXXX   XXXX   XXXX  informing me that they were suspending collection and passing my dispute to the provider of the service ; however, in spite of this admission, Experian is still reporting this negatively on my credit report. The  XXXX  reporting agencies have a duty to keep information reporting accurately in an individual 's credit file. Sometimes, I feel as though they slant on the side of the creditor by the way their re-investigation is conducted. Everyone, who submits a dispute, is not trying to cheat on their credit report. I suffered an ordeal that forced me into bankruptcy as a consequence of the mortgage meltdown that destroyed many business owners of the construction industry. I have weathered that storm ; however, when Experian is cavalier in its methods of re-investigation of the erroneous data they warehouse, it adds salt to an open wound that is trying to heal and close.

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