Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX District of Wisconsin bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to XXXX and Experian asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to XXXX. I don't have any collection or past due accounts. I have spent numerous hours, money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!

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