Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: IA
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:
FICO SCORE TYPE XX/XX/XXXX CHANGE>> XX/XX/XXXX CHANGE>> XX/XX/XXXX FICO XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE FICO XXXX XXXX XXXX XXXX XXXX XXXX AUTO FICO XXXX XXXX XXXX XXXX XXXX XXXX AUTO FICO XXXX XXXX XXXX XXXX XXXX XXXX AUTO FICO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -7 XXXX -43 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -51 XXXX FICO XXXX XXXX XXXX XXXX -58 XXXX DISPUTE WAS FILED XX/XX/XXXX REQUESTING THAT DATE OF FIRST DELINQUENCY BE UPDATED TO XX/XX/XXXX INSTEAD OF XX/XX/XXXX BECAUSE CAR WAS REPOED IN XX/XX/XXXX AND I WANTED REPORT TO BE ACCURATE. ON XX/XX/XXXX, MY DISPUTE WAS " SETTLED '' AND REPORT UPDATED TO SHOWORIGINAL LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX REMOVED AND NOW IT SHOWS CHARGE OFF IN XX/XX/XXXX. NOW IT SHOWS UNDER STATUS THAT " THIS ACCOUNT IS SCHEDULED TO CONTINUE ON RECORD UNTIL XX/XX/XXXX. '' IN THE COMMENT SECTION IT NOW SAYS " COMPLETED INVESTIGATIONOF FCRA DISPUTE-CONSUMER DISAGREES. THIS ITEM WAS UPDATED XXXX OUR PROCESSING OF YOUR DISPUTE IN XX/XX/XXXX. ACCOUNT HISTORY : DEBT INCLUDED IN CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. '' 1 ) THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX, CAR REPOED IN XX/XX/XXXX AND SOLD AT AUCTION I NEVER BROUGHT THE ACCOUNT CURRENT BEFORE IT WAS CHARGED OFF IN XX/XX/XXXX, YET XXXX  REMOVED THE LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX ( SEE ATTACHED PROOF ) SO IT NOW INACCURATELY SHOWS XX/XX/XXXX AS DOFD. ALSO, JUST A THOUGHT, WHO WOULD CHARGE OFF AN ACCOUNT THAT WAS " OK '' STATUS FOR MONTHS LEADING UP TO THE CHARGE OFF WITH NO LATE PAYMENTS SHOWN PRIOR TO CHARGE OFF? DOESN'T EVEN MAKE SENSE, YET THAT'S EXACTLY HOW MY CREDIT REPORT SHOWS IT BEING REPORTED 2 ) MY CREDIT SCORES TOOK A HUGE HIT BECAUSE OF THE INACCURATE REPORTING BY XXXX AND EXPERIAN BOTH. I ATTEMPTED TO CALL XXXX  IN XX/XX/XXXX AND THEY WOULDN'T EVEN SPEAK TO ME. 
I CALLED EXPERIAN AND THEY JUST WANT TO KEEP DISPUTING THE SAME ACCOUNT OVER AND OVER. I EXPLAINED TO EXPERIAN THAT THIS IS ILLEGAL. THEY SAID ALL THEY COULD DO WAS DISPUTE WITH XXXXAGAIN. 
3 ) I CALLED MY BANKRUPTCY ATTORNEY, XXXX XXXX IN XXXX, FLORIDA AND SPOKE WITH HIM ABOUT THIS SITUATION AND HE DID INFORM ME THAT XXXX/EXPERIAN IS NOT ALLOWED TO REAGE AN ACCOUNT INCLUDED IN BANKRUPTCY AND THAT THE LAST NEGATIVE REMARK FROM XXXX REGARDING THIS ACCOUNT COULD NOT BE AFTER THE FILING DATE OF THE BANKRUPTCY WHICH WAS XX/XX/XXXX. 
I EXPLAINED THIS TO EXPERIAN AND XXXX AND XXXX AT EXPERIAN WERE ABLE TO VERIFY TO ME THAT THEY DO SHOW MY BANKRUPTCY AS XX/XX/XXXX, YET THEY ARE ALLOWING XXXX TO CONTINUE TO REPORT IT AS XX/XX/XXXX ( ALMOST 5 YEARS AFTER IT WAS FILED ) AND REFUSED TO CHANGE IT EVEN THOUGH THEY ADMIT IT IS INACCURATE UNTIL XXXX RESPONDS TO YET ANOTHER DISPUTE. 

4 ) I WANTED TO BUY A NEW CAR THIS MONTH BUT HAVE BEEN CONTACTING LENDERS TO FIND OUT WHICH SCORES THEY USE AND MOST HAVE TOLD ME EXPERIAN, SO THIS ORDEAL IS AFFECTING ME FINANCIALLY AND EMOTIONALLY. I CAN GET A LOAN BUT IT WOULD BE WITH A HIGHER RATE THAN I DESERVE AND IT IS BECAUSE OF XXXX AND EXPERIAN AND THIS ONE ACCOUNT. 

5 ) I DEMAND THAT THIS BE CORRECTED IMMEDIATELY, I SHOULDN'T HAVE TO WAIT A MONTH FOR SUCH A SERIOUS AND ILLEGAL " MISTAKE '' ON THE PART OF XXXX EXPERIAN OR BOTH. I DON'T KNOW WHO IS TO BLAME BUT MY LAWYER HAS INFORMED ME THAT EVEN IF IT WAS AN ACCIDENT, IT HAS CAUSED ME HARM AND I DO HAVE A LAWSUIT SHOULD I CHOOSE TO GO THAT ROUTE AGAINST BOTH OF THESE COMPANIES. 

IF THIS " MISTAKE '' IS NOT ABLE TO BE FIXED TO SHOW DOFD AS XX/XX/XXXX AND REMOVE THE CURRENT BANKRUPTCY STATUS AS XX/XX/XXXX AND PUT IT BACK TO XX/XX/XXXX THEN I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT FILE. IT SHOULD'VE BEEN AUTOMATICALLY REMOVED IN XX/XX/XXXX ANYWAY BUT BECAUSE XXXX CHOSE TO WILLFULLY REAGE THE ACCOUNT, IT WILL NOW REMAIN UNTIL XX/XX/XXXX AS IT IS AND WITH THE BANKRUPTCY STATUS THAT XXXX IS REPORTING, THIS WILL CONTINUE TO HARM ME FOR MANY MONTHS. 

6 ) I AM A MEMBER OF XXXX SO I GET UPDATE REPORTS AND 28 DIFFERENT FICO SCORES AT THE END OF EACH MONTH. I HAVE THE REPORTS AND ALL OF THE ABOVE LISTED SCORES ( AND MORE ) AND I WILL BE TURNING THEM OVER TO MY ATTORNEY IF THIS ISN'T FIXED IMMEDIATELY. I DON'T WANT TO SUE BUT SINCE XXXX & EXPERIAN HAVE REPEATEDLY REFUSED TO CORRECT THIS ACCOUNT, I MAY NOT HAVE A CHOICE. I JUST WANT IT FIXED, NOW. 

I DEMAND THIS BE FIXED OR DELETED IMMEDIATELY

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