Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: CA
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 have previously contacted Experian about inaccuracies on my credit file and provided supporting documents for the disputes and validation of the information being reported by creditors on my credit file. 
Experian is reporting a Chapter XXXX bankruptcy that they claim was filed XX/XX/XXXX and resolved XX/XX/XXXX. They also claim that they verify this information with the original creditor. The original creditor is US BKPT CT CA XXXX XXXX. When contacted this creditor sent a letter indicating they do not report anything to the credit bureaus. They also claim they use third party vendors for verification so I contacted : XXXX XXXX, XXXX, XXXX and was told my credit file with all these vendors have been frozen from XX/XX/XXXX after an incidence with an attempt at identity theft. They cant be accessed without by authority. So I question the honesty of an investigation being made to verify my information in regards to this information or any information I disputed or asked to be verified. The address identifier is even at an address that I have never resided!! The information is totally inaccurate and belief that Experian to save money has not actually completed an investigation but just stayed with the original inaccurate information. 

Experian is reporting inaccurate information they claimed to have verified with XXXX acct # XXXX. Recent balance is missing, date closed is missing, claiming that this debt was discharged through chapter XXXX bankruptcy and shows will continue on report until XX/XX/XXXX which would be 7 years from XX/XX/XXXX but shows this debt was included in chapter XXXX bankruptcy on XX/XX/XXXX which means this would come off my report in 4 years? not 7?. 

Experian is reporting inaccurate information they claimed to have verified with XXXX acct # XXXX. They are reporting multiple lates that are inaccurate, no closed date, no recent balance, inaccurate open date, claim this debt was discharged through chapter XXXX bankruptcy on XX/XX/XXXX which is even different from the information they are reporting on my credit file that theres a chapter XXXX bankruptcy filed XX/XX/XXXX. this says XX/XX/XXXX? 


Experian is reporting inaccurate information they claimed to have verified with XXXX XXXX XXXX acct # XXXX the recent balance is inaccurate, missing closed date, non verifiable address ID #, this file is also reporting this account was discharged in chapter XXXX which they report chapter XXXX on my credit file. They also report that the debt was included in chapter XXXX on XX/XX/XXXX which is the date that XXXX XXXX states they sold the account to XXXX XXXX XXXX. They state this information will stay on my file until XX/XX/XXXX which is less than 6 years when by law it can be up to 10 but not less than 7! 


All these items were disputed with XXXX and I submitted a complaint with CFPB and the items were removed upon conclusion of XXXX   investigation. Why does Experian claim to verify items XXXX could not or better yet items that are in conflict with other items they are reporting on my credit file. The bankruptcy alone shows chapter XXXX being reported and the filing date is different with creditors they are reporting and the actual chapter status is different showing chapter XXXX and XXXX with different creditors!

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