Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to XXXX, Experian and XXXX  that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency transunion, equifax and experian. All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer XXXX XXXX prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very XXXX and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers XXXX 

I want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me stress, anxiety especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXX. XXXX states derogatory payment status. On Experian report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! 

I understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!

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