Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
***This is my 2nd complaint filed through this government website. 

I find it incredibly frustrating that the response I received after filing my 1st complaint through this site stated Experian was unable to locate me and my file in order to address my complaint and Experian need a detailed explanation as to what I am disputing. I can not state more clearly what my issue is and what is incorrect. 

1st off, my full name, date of birth and address were included in the complaint. Not to mention a screenshot from my Experian report that included the account number for the account in question. 

I refuse to mail this information to you as requested for a 3rd time.

The point of this complaint is, I continue to receive a generic, pat response and at this point, I demand resolution or I will be moving forward with my attorney and seeking monetary damages as this is a direct violation of my legal and binding discharge order that was provided to you via your website along with my driver 's license, phone bill through the mail for a total of 4 times. 

To prove that I am doing all I can to comply with your request and before I proceed with legal action, I will be attaching everything you requested in your generic response to my 1st complaint through this site. I have lived at the same address for 10 years and my name is the same one I was given at birth and has never changed. 

I expect results this time as it will be my last attempt to resolve this with your company. 

I filed a Chapter XXXX bankruptcy in 2018. It was discharged on XXXX. I had an account with XXXX and XXXX has refused, after multiple calls, to amend my report. They state the account was sold and they can not make any corrections. Which is interesting because the same account reflects my bankruptcy on both XXXX and XXXX. However, my Experian file reflects closed, delinquent, sold to another lender ( in the comment section ). I considered that it is possible the other two agencies ( XXXX  and XXXX  ) actually updated my file and that XXXX may not be able to amend it's reporting. Although if they continue to report anything at all, it seems likely that it could be amended. Even still, I tried disputing it directly with Experian. After two unsuccessful attempts through their site, I called and explained my situation and was instructed to mail in the proof I was attaching to my disputes ; namely, a special form and my discharge order which includes the XXXX  account in question. I was told by Experian that a " live person '' vs an automated system would review the file. A few weeks later, I received a letter from Experian with the exact same verbiage as their site provided in response to my previous disputes. Basically, it said 'we investigated and found the information to be correct and no changes were made '. Not exactly, but that is the gist of it. Now, all of my other closed accounts reported by Experian reflect the bankruptcy, closed and a current payment status. I tried a couple more times through the website and now I am unable to dispute because I kept receiving the same answer and they disallow further investigation. I called again and my information was taken over the phone for the second time. They instructed me to send in the same information again, but said they would make sure to have it addressed. A few weeks later, I received the same generic and frustrating declination letter. At this point, I've considered having my attorney handle this because frankly, it is ridiculous and so much time has elapsed ( I waited over 12 months for the error to be corrected ) that i feel I have to take more aggressive action. I recently received a declination letter for an extension of credit due to delinquency on my Experian report. While there is a bankruptcy, there should be no delinquency. That's one of the few benefits of having your debt discharged. I want this resolved and I'd appreciate a sincere apology, and a process review so others do not have to take the same journey as I, but the last two parts are likely wishful thinking. I'll be satisfied with the correction.

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