Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for Chapter XXXX bankruptcy onXX/XX/XXXX Included in the bankruptcy on, Official Form 106 E/F, were three student loan amounts held and/or managed by Dept EdXXXX  : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last Active XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last ActiveXX/XX/XXXX {$330.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OpenedXX/XX/XXXX Last Active XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX 

XXXX According to Official Form 309A ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors -XX/XX/XXXX at XXXX XXXX - No representative from XXXXDept of Ed. attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline XX/XX/XXXXDeadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : 309A - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX. 

A discharge was granted by a United States Bankruptcy XXXX XXXX XXXX/DeptEd  reported to all three reporting agencies that the balance on the three Nelnet/DeptEd  loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. 

The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. 



+++ I have had discussions with XXXX, The Dept. of Ed, and the three credit bureaus. XXXX has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XXXX. 

The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, Experian I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you 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