Consumer complaint received 2016-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute for a XXXX account that was discharged through Bankruptcy. Bankruptcy was filed in XXXX XXXX and Discharged on XX/XX/XXXX. I did this with all XXXX Credit Bureaus. The only XXXX I am having a problem with is Experian. After they incorrectly updated the account to show a late payment in XXXX of XXXX and changed the Bankruptcy Date on just that account also to XXXX XXXX. So I called and was very polite, but the person would not even try to listen, only file another dispute. This is Experians fault, not XXXX. It is correct on XXXX and removed from XXXX. So I copied the report, circled the false information that is negatively affecting my Credit Score, the False late Payment showing as XXXX XXXX for a account that has been closed since XXXX and included in Bankruptcy in XXXX and discharged again on XXXX/XXXX/XXXX, but they have listed as included in Bankruptcy XXXX XXXX. On the full report it shows my actual Bankruptcy date of XXXX. I asked them to please correct the incorrect information they entered and to PLEASE NOT ADD ANOTHER LATE PAYMENT FROM A DISPUTE and to of course fix the incorrect Bankruptcy date listed only on that account, and to send me proof of the non existent late payment. They just sent me my new, " updated report '', no proof, now showing a late Payment for XXXX of XXXX and they also changed the Bankruptcy to XXXX of XXXX. So basically the issue is they put now XXXX incorrect late payments and XXXX incorrect Bankruptcy dates from a Dispute. I am sorry for saying the same thing over but I want to be sure you understand. They apparently did n't. I had a account with XXXX that was closed in XXXX of XXXX, and included in Bankruptcy filed in XXXX. When I disputed the charge, which again i did with all XXXX Credit Agencies, they were the only ones who listed it incorrectly so I know it is not XXXX doing. It was a mistake that they refuse now to fix. I have worked hard since my Bankruptcy and have no late payments and a Credit Score of XXXX and it was rising. Now they listed a false late payment for XXXX of XXXX and XXXX of XXXX. They changed the Bankruptcy Date first to XXXX of XXXX to now XXXX of XXXX from the true date of XXXX of XXXX. I truly hope to get the XXXX False Late Payments that they refused to send me proof of as there is no late payment anywhere, and correct the Bankruptcy Date. My Credit Score, with Perfect Credit since my Bankruptcy was climbing monthly until they did this and now there false info is hurting my Credit Score and my ability to obtain Credit on my true Credit Standing. I am attaching documents. One I have to do from computer and sorry it is sloppy. The false late payment shown. I again have XXXX late payments and they refused to send me proof that I do. They put a late payment over a dispute. Account closed in XXXX, discharged again in XXXX, they show XXXX with late payment. Sorry. thank you.

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