Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2016 all accounts credit cards, loans everything where paid and current. I am XXXX XXXX military and attempted to call somenof the creditors that where not honoring the discounted service member rate to attempt to lower my interest rates. I was denied that right. My mortgage company was improperly handling my account and after calling every company my wife and I had any loans or credit with explaining our financial situation we decided to file Chapter XXXX. Prior to filings we where not past due on ANY account on my credit report. We filed XX/XX/2016. Letters where sent out to all by my attorney the day we did this paperwork onXX/XX/2016. On XX/XX/XXXX we even got letters from two credit card companies who decided to send my accounts to a collection company when they account was not even past due according to the credit cards. XXXX payment was not late as we had bankruptcy protection prior to accounts being late. On all three of my credit reports some accounts chose to report past due for XXXX, and also charged late fee 's making the total amount over the limit. Some even reporting FP on later months. As I have 14 potential negative accounts reporting on one credit report. So many reporting incorrect that it makes it impossible for me to dispute them all. I was denied my credit reports for free annual by XXXX with no reason given other than a letter stating based on my information I was " not in the system '' however they had my correct name and address to send me the letter?? I am currently serving a year in XXXX my wife has POA fully to deal with the many many inaccurate reporting specifically ALL accounts reporting negative from XX/XX/2016 to current day. Nothing was late prior to my bankrupcy protection. So if all accounts on my credit report where paid in XXXX, How is it that some are reporting late 30 days in XXXX and FP for later months? I am happy to provide my attorney information and also he has a credit report as do I for XX/XX/2016 that shows on my credit report no late accounts. My understanding is that a late report is given 30 days after payment has not been recieved by the creditor. With Chapter XXXX being filed on XX/XX/2016 letters mailed and the day the BK is showing on my report is XX/XX/2016. How is this possible to have a late report for XXXX and late fee 's reporting for some accounts in XXXX? When you can see all is current for XX/XX/2016?. So many accounts are reporting either the wrong balance, and late fee 's for several months after. I realize that having the BK is going to negatively affect my report but it makes it worse with having them reporting no payments during XXXX and beyond in some cases. I know for a fact they all recieved the letter from my attorney as we recieved letters dating XX/XX/XXXX as stated that accounts not even considered past due yet where sent to collections AFTER the bankrupcy was filed. I have had the chapter XXXX for two years now with direct payments to the trustee taken automatic from my paycheck so no payments have ever been late. Also prior to the court date in XXXX all payments made on time with money orders. Payments made to my attorney to file on XXXX XXXX when we went in to finalize the paperwork. I need XXXX, XXXX and expirian to all correct any negative reporting other than the current Chapter XXXX bankrupcy that reported during XXXX or after. For some reason I am unable to get my reports online and this makes it impossible for me to dispute every single one with all three. I am unable to be reached by phone unless they are able to call me in XXXX. I can be reached via email or my wife with full POA.So she can handle everything for me in the states. I also was notified I was involved in the data breach of the credit reporting agency XX/XX/XXXX however was unable to place a freeze on my credit over the phone. I can not mail all these companies from XXXX and my wife can handle this with POA and a copy of all XXXX can be given to anyone needing it. I am also including my wife as her credit reports have the same issue with a few cards reporting out of the 7 year dates and the late XX/XX/2016 mark. XXXX this makes some sense. I am at a loss as to how else to get the wrong reporting for so many accounts off if XXXX agencies from XXXX when they made it impossible before I even left the states to get my reports.

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