Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
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 recently filed a complaint to this issue but was not sure all information was sent as to evidence. Prior complaint associated with this was filed on XX/XX/XXXX. Complaint # XXXX. Complaint was against Experian credit reporting as to fake, incorrect, inaccurate and misleading information experian is reporting on my report. This report by experian of a creditor, XXXX XXXX XXXX  of {$9200.00} is the financial institution of XXXX XXXX I had service with and XXXX XXXX, ie XXXX XXXX XXXX  did the financing for XXXX XXXX This XXXX XXXX  XXXX was included in my bankruptcy on XX/XX/XXXX and discharged in XX/XX/XXXX. Experian started to report this already discharged creditor in the beginning of XX/XX/XXXX for some reason. Ive been building my credit and life sine XXXX bankruptcy which is difficult to do. Every month, year that gos by since XXXX, my fico score has gone up without any issues. XXXX and XXXX both report this accurately as included in bankruptcy and discharged. Experian now, as of XX/XX/XXXX I received notification that my fico score dropped to XXXX from XXXX due to experian reporting that I missed a payment or am 30 days late with a creditor. This creditor that experian is reporting is XXXX XXXX, XXXX, the bank that did the financing for XXXX XXXX and which was included in bankruptcy of XXXX. I tried several times with proof to experian to remove this XXXX XXXX  XXXX  from my credit report as it was discharged in XXXX bankruptcy. Matching up account # s and name and supporting documents to experian still has refused to remedy my request, further hurting my credit to now a XXXX fico score. This is directly related to experian reporting that XXXX XXXX  XXXX with acc # XXXX and balance of {$9200.00} is, on their site, reported as, account charged off, written off, {$9200.00} updated as of XX/XX/XXXX is damaging my good credit!! This misleading reporting of this creditor, XXXX XXXX as updated as of XX/XX/XXXX is making credit report appear to be an active account thats seen as behind a payment or late 30 days, causing that XXXX points taken from my Fico score. Again, this is causing extremely tremendous harm, frustration and confusion with my good creditors and my credit report. Attached is XXXX  reporting of this XXXX XXXX XXXX as closed and is not being reported as a negative report. Same with XXXX. Please see how experian is reporting this incorrectly and falsely misleading information that is destroying my good reputation, credibility and fico score. I hope this additional information is helpful to your investigation. Experian has a history on internet viewing of mishandling and reporting inaccurate data on thousands of Americans. Complaint after complaint, experian attempts to justify their reporting activities which are just a response but not reasonable answers are ever given. They claim they contact creditors to verify Americans claims of their wrongful information they report only to later to be false information and not appropriately investigating as they claim. I want this XXXX XXXX  XXXX removed from my active good credit report from Experian immediately. If experian refuses to fix this issue, I will file formal complaint with my local XXXX Co Superior Court in small claims for monetary and emotional damages relating to having to pay higher premiums for car insurance, being denied credit card increases and affordable housing. Fico score of XXXX now from just XXXX and working for years to rebuild is being severely damaged by experians ignorance to investigate throughly. This could have been avoided a month ago during original dispute with experian on their site but they refused to remedy, only to say its verified and will stand. This is Inaccurate, false and misleading claims/ reports by experian and they must be held accountable

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