Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Two specified accounts that were discharged in in a chapter XXXX bankruptcy on XX/XX/XXXX are continuing to damage my credit score today. I am fully aware that a charge off and bankruptcy stay on a credit report for an X amount of time, however these specified accounts have been destructive and have been updating as NEW hits on my FICO score. The two accounts are XXXX XXXX XXXX and XXXX XXXX. XXXX went into a charge off status between dismissal of a chapter XXXX bankruptcy and filing of a chapter XXXX bankruptcy. Both accounts have been discharged in a chapter XXXX bankruptcy as of XX/XX/XXXX. Around mid XX/XX/XXXX, I noted that my FICO score had taken a significant hit. I then began my research to find that XXXX XXXX XXXX creditor was reporting on an Experian credit report as LATE with CHARGE OFF STATUS. Although discharged in chapter XXXX bankruptcy, my FICO score continues to wrongfully take continuous hits. It is unknown as to whether this is a creditor or a credit bureau reporting error to this day. The creditors assume the credit bureau is at fault and vs versa. I hired a credit repair company to help with this issue. It seemed to be resolved for a short time, but as of XX/XX/XXXX I noted a 29 point decrease in my FICO score with Experian. Upon research with Experian, the old XXXX account reported as a RED FLAG charge off status again and continues to destroy my FICO. On XX/XX/XXXX, it was reported that XXXX XXXX  's report was removed from my credit report 's public record-as it was added to public record as-Included in bankruptcy. As I have been working with XXXX XXXX XXXX to assist in this painful journey, I receive regular updates re : my FICO. On XX/XX/XXXX, XXXX XXXX 's discharged in bankruptcy was replaced and reported as new back to my credit report. Removing and re- adding negative items to a credit report is destructive. This will reflect on my next, future FICO as a new CHARGE OFF Status hit again. My FICO score should be in the mid to high 700s,  but with this constant yo-yo, wrongful reporting, I have been robbed of my credit score points and chances of moving forward in life. 
Today I spoke with XXXX in the Experian dispute department XXXX raised his voice with me and had no interest in what I had to say. I've done all that is right in filing my filing of a chapter XXXX and earning a discharge. For that is enough that I will live with the chapter XXXX and charge off on my credit for x amount of years. As a consumer, I am entitled to fair credit reporting and to have reporting errors resolved. I should no longer be suffering hard hits to my credit score from past, closed or discharged, charged off accounts. It's almost 3 years since my bankruptcy discharge and with all this disruption, my FICO score has suffered. My score has progressively declined at no further fault of mine. 
Thank you for your cooperation in the matter. I look forward to a permanent resolution. 
XXXX, XXXX XXXX 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 explanation