Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: TX
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:
I had a bankruptcy, XXXX XXXX filed in XX/XX/XXXX. Was officially discharged on XX/XX/XXXX in XXXX court, NJ XXXX and represented by attorney XXXX XXXX, phone # XXXX. Bankruptcy was related to medical and economic issues. Since then, Ive worked hard to rebuild my credit and Fico score. As of XX/XX/XXXX my fico score was XXXX. Today, my fico score notification was XXXX due to a report undate from one of my credit cards, ( XXXX ) who uses experian for updates. Report today, XX/XX/XXXX dropped XXXX points from XXXX to now XXXX due to reporting of 1 recently 30 day late payment on my credit report. Im not late on any of my creditors. Ive re checked all my credit card and all have Never been late. Further investigation I learned that Experian is reporting a creditor, XXXX XXXX XXXX, with a balance of {$9200.00} as of XX/XX/XXXX that also reads past due, as of XX/XX/XXXX. This account was included in bankruptcy in XXXX and XXXX and XXXX both reported this account as included in bankruptcy, which is accurate. But Experian refuses to update this correction on the my Experian credit report even though I already filed a complaint thur there company on line. They state they confirmed the account is accurate and remains unchanged on their account with my information. This is outrageous and false reporting by Experian especially when XXXX and XXXX are reporting this account correctly and discharged in XXXX bankruptcy. This continuation of Experian reporting this account thats been closed, included in XXXX bankruptcy as open and up to date as of XX/XX/XXXX is now affecting my fico score enormously, hurting my credit and fico score from XXXX to now XXXX with this fraudulent, false reporting of me being 30 days late on my experian credit report that is now being viewed by my open credit cards and creditors, making me look like a high risk. This continued fraudulent, false and inaccurate reporting by Experian as to this account being open and late is now affecting my good credit, causing me to pay higher interest, being denied credit increase request and causing me to pay higher car insurance rates as to this poor Fico score of XXXX. This dropping of my fico score today by XXXX points, from XXXX to now XXXX is a direct result of Experians negligence to properly update, investigate and report accurately what I tried to dispute with them but they refused to correct to date. Please see attached documents as to the account in question, XXXX reporting this account included in XXXX bankruptcy, Experian reporting of continuing false reporting of updated as of XX/XX/XXXX which is False and inaccurate information, and bankruptcy reporting information to such. Im respectfully asking for your assistance as Ive exhausted all avenues to remedy with Experian but can not do anything more but to write complaint to you. This is destroying my good credit, which just a few days ago was XXXX Fico score to now XXXX as a direct result of Experians failure to properly resolve. Please help

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