Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX about reviewing my credit report for inaccuracies and upon review there were several account missing. XXXX XXXX XXXX was amongst those credit accounts missing. There was a Chapter XXXX Bankruptcy filed by XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX was amongst those creditors. XXXX XXXX XXXX initiated a checking and savings account with XXXX XXXX XXXX in the approximate of XXXX and that account was not closed until the filing and/or conclusion of the Chapter XXXX Bankruptcy in XXXX. Additionally, there were two other accounts that XXXX XXXX XXXX had with XXXX XXXX XXXX, which included a {$5000.00} loan and a $ XXXX {$20000.00} line-of-credit. None of those accounts are showing on the credit reports of XXXX XXXX XXXX. All were in " good '' standing at the time of filing the Chapter XXXX Bankruptcy in XX/XX/XXXX. Listed amongst those creditor ( s ) were XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
This effort is to reconstruct the credit report of XXXX XXXX XXXX per fair credit reporting laws which includes XXXX XXXX XXXX XXXX account activity and in accordance with the Chapter XXXX Bankruptcy laws that may have been violated by XXXX. The banking and credit accounts as it pertains to the relationship of XXXX XXXX XXXX and XXXX should expand from approximately XXXX. 
It appears that XXXX granted credit to Mr. XXXX on or about XXXX after denying credit between the periods of XXXX. This is likely due to positive credit reporting on a XXXX XXXX XXXX XXXX account. However, Mr. XXXX was discharged as a creditor and/or a co-borrower in the Chapter XXXX Bankruptcy filed by XXXX XXXX XXXX in XXXX and was further removed again on XX/XX/XXXX by appropriately identified signature in a notarized " Quit Claim Deed '' filed in XXXX XXXX XXXX XXXX XXXX. It appears that a judgment was entered against Mr. XXXX for a debt of {$850.00} on or about XX/XX/XXXX in XXXX XXXX XXXX XXXX. It was signed by XXXX XXXX on XX/XX/XXXX. Fifteen ( 15 ) days prior on XX/XX/XXXX, Mr. XXXX was served by first class mail from the Bankruptcy Noticing Center XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX that he was discharged as a creditor and/or borrower in matters concerning XXXX XXXX XXXX as filed in her Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX only granted a Homestead Deed Exemption for XXXX XXXX XXXX. 
There is a concern that XXXX has or is attempting to enforce liens against XXXX XXXX for debts incurred by another. Therefore, it is again requested that XXXX establish a credit history on the credit report for XXXX XXXX XXXX with the three ( 3 ) credit bureaus per the Bankruptcy and Fair Credit Reporting laws. This belief is based on statements made and/or suggested by XXXX XXXX XXXX XXXX when there was an attempt by XXXX XXXX XXXX to refinance her mortgage loan with XXXX XXXX. Mr. XXXX has been addressed and verbalized understanding that he has no legal interest in this property. Therefore, there is a need for other creditor ( s ) of XXXX XXXX XXXX and/or Mr. XXXX to understand his legal interest. The amount may be greater than {$1000.00}.

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