Consumer complaint received 2020-02-01
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 filed a Chapter XXXX bankruptcy in 2018. It was discharged on XX/XX/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 explanation