Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I sent Experian a request to reinvestigate several items on my credit report. 

In response, I received a revised credit report from them, which does not correct the incorrect information for XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XX/XX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Recent balance : {$0.00} as of XX/XX/XXXX. The current balance as of XX/XX/XXXX was {$130000.00} ( see attached statement ). 
Under Status, it states that my account was Discharged through Bankruptcy Chapter XXXX. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Status on this credit report. 
The Payment History ends in XX/XX/XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XX/XX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Account History, it states : Debt included in Chapter 13 Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, XXXX XXXX XXXX XXXX Under Status it states : Petition for Chapter XXXX Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Status on this credit report.

It also states under Status that this account is scheduled to continue on record until XX/XX/XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XX/XX/XXXX, which is seven years after I filed for bankruptcy. 
Under Account History, it states : Filed Chapter XXXX Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, Under Payment history, the last payment is listed in XX/XX/XXXX. I have made these payments every month on time, with a couple of exceptions, since I filed for bankruptcy on XX/XX/XXXX ( see attached statement ). I made my last payment of {$400.00} on XX/XX/XXXX.

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