Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AZ
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:
They have been reporting balances, payments, term, etc on items that are included in my bankruptcy which was discharged on XX/XX/XXXX. The bankruptcy information should not contain the words " charge off '' " Balance due '' " Late, Delinquent, or Outstanding '' Appear " Currently Owed or Active '' or be kept in a manner as to appear " Active '' as per FCRA. On my report, after several attempts to dispute to no avail, my bankruptcy items still have balances, terms, payments, etc. At this point I am requesting that the items be removed. Bankruptcy Courts do not contact the Credit Bureau 's, the  credit bureaus get there information from public records. They have been reporting all of my bankruptcy items and the actual bankruptcy wrong since XX/XX/XXXX and have refused to correct it after repeated attempts. There for this is to be considered a formal complaint that you are reporting inaccurate and incomplete credit information. 
( See US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson v. Chase Manhattan. ) am  distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that you report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and complete. They have failed to do this. There are laws we ALL must follow, when we dont, we have consequences. They have caused me a great deal of harm financially and personally by mis reporting my credit information. I demand they be held accountable and the following be removed from my report at once due to their faulty reporting procedures. I request that they be fined for their actions as well XXXX XXXX   XXXX, information about this account should only be from bankruptcy files in which it was included. They stated that they contacted the original creditor to obtain my information. This is against FCRA and now should be removed for incorrect reporting. 

Public information, Bankruptcy, US District court. Since the courts do not furnish information to the credit bureaus, it is up to the bureau to seek out and correctly report This agency has repeatedly reported this information wrong, and there for must delete it. they have have 4 years to correct it. they have not. They are reporting my completion. date to fall off as XXXX, giving creditors the impression that I am lying to them. The length of time is extreamly important because it reveals the type of bankruptcy. They are giving the false impression to creditors that I filed chapter XXXX instead of chapter XXXX. It is a big difference XXXX XXXXXXXX XXXX. -Bureau contacted original creditor and reported balances terms etc. This is a bankruptcy account and should not contain such information. it should be removed due to consistent errors in reporting.this includes 2 other accounts under this name XXXX, 2 accounts included in bankruptcy, however bureau contacted the oriinal creditor to report balances, terms, payment history, type of account etc. I have asked repeatedly that this be corrected, and they wil not comply with FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. You must also furnish the name of the person that completed the re-investigation, the paperwork that they physically examined to come to the conclusion that it is 100 % accurate.this is my right and I am exercising that right. If you insist that your associates have completed this to the letter of the law, then please provide me the required proof. If you can not, then you must, by law, remove the entries. Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ 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 explanation