Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: MO
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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Summary This is a brief summary of what is a lengthy series of one catastrophe after another. I will lay out in detail with documentation my report of the actual events and not what was erroneously reported to the credit bureaus. Recently I received a copy of my personal Credit Report. Upon reading through it I noticed that the report indicated the loan for my home in XXXX, Missouri was reported as discharged in Bankruptcy XXXX XXXX on approximately XX/XX/XXXX. XXXX has reported to the credit bureaus that funds were charged off and the loan Discharged through Bankruptcy Chapter XXXX when they were paid in full every dime as all my documentation will indicate. This data, also reported to the other 2 major credit bureaus, was and is absolutely false. I contacted Experian and filed a dispute. A few weeks went by and I was notified that the dispute was closed. No explanation was given in regards to my accusations just that XXXX was not going to delete or modify the reported data. The names and the contact information of persons involved is included in the attached document or separately. 
My report of the facts On XX/XX/XXXX, my wife at the time, and I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Missouri XXXX. We financed a loan amount from XXXX  XXXX XXXX. A few years later our loan and a large group of other home mortgages were sold to XXXX XXXX  in XXXX, AZ. Our loan was assigned account # XXXX. 
In XXXX my wife served me with divorce papers. Although the divorce was final in XXXX, she drug me through the judicial system for a total of 8 years. I was awarded {$2500.00} per month spousal support in the divorce decree along with the house and of various financial assets. In late XXXX she got herself intentionally fired from her very lucrative position with Mastercard. Her goal was to be unable to pay {$2500.00} per month support. She succeeded and on XX/XX/XXXX the court reduced her support to {$500.00} per month. The home loan up to that point was current. It was a financial struggle and possible foreclosure from that point forward. In XXXX of XXXX, I realized I was in trouble and faced losing my home. I went to my son and we discussed the issue and he withdrew money to get me somewhat solvent. On XX/XX/XXXX he wired {$10000.00} to XXXX XXXX  to get me up to date with my payments with the next payment due on XX/XX/XXXX. Im attaching a copy of the wire transfer of the funds and the letter of account re-instatement from XXXX XXXX. 
In XXXX of XXXX, I realized that I was just postponing the inevitable that my financial situation was deteriorating and out of control so I contacted XXXX XXXX a Bankruptcy attorney, and began the process. We met and he laid out the process. I filled out all the necessary forms and we discussed the process and options. I opted to retain the house and had returned items that I could. I finished the necessary forms and returned them to the attorney. I have attached a copy of those documents. The bankruptcy was filed, adjudicated, and discharged on XX/XX/XXXX. I continued making the payments on the home every month. I paid the XX/XX/XXXX payment and decided to sell the home. In preparation for the sale, I had the home inspected. There were a few items that would have to be addressed prior to a sale. The total cost came to a few thousand dollars so I opted to do the repairs and take the 1 or 2 payments that I would miss out of the sale proceeds. The house sold and was closed on XX/XX/XXXX. XXXX XXXX  was wired a funds transfer of {$180000.00}. This amount is {$75.00} more than the balance due from their Payoff Statement dated XX/XX/XXXX. A copy of that Payoff document is attached. 
Closing In closing, XXXX has claimed the loan was Discharged in Bankruptcy Chapter XXXX in XX/XX/XXXX while they continued to collect almost {$16000.00} from the months XX/XX/XXXX - XX/XX/XXXX. How do you credit accounts, with payments, that are closed? In addition to IRS tax benefits for the charge offs for XX/XX/XXXX - XX/XX/XXXX. I can understand reporting to the bureaus that I was late in paying not that lost the whole amount of the loan when it was repaid in FULL! In addition, my credit has had this misrepresentation of my creditworthiness for 4 years now. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached Court Order )

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 explanation