Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since XXXX XXXX ( after Chapter XXXX Discharge Date ) I have been disputing numerous errors on my credit file. It has been over the XXXX days for all disputes and though I have supplied evidence to counter the Furnisher 's response. These items have not been corrected on my file. For Example:1 ) XXXX XXXX was closed as a charge off and sold to a XXXX party prior to my bankruptcy filing in XXXX. They illegally reaged the date and added additional late payments to negatively affect my credit in XXXX, XXXX, and up to my filing date XX/XX/XXXX. This is ILLEGAL. 
2 ) XXXX XXXX they added late payments after the filing date XXXX/XXXX/XXXX3 ) XXXX - Payments were erroneously posted and Accounts were discharged - Chptr XXXX no late payments XXXX. 
4 ) XXXX - No late payments in XXXX under FHA - HAMP Modification trial period and payments were made on time. Ask them to remove the delinquencies from your credit report because you were making payments on time, but they show up as late because of the way your bank applies trial period payments for loan modifications. This needs to be corrected. 
To get back at my complaints against them Experian went ahead and changed the status and payment history on accounts that were Closed, Paid As Agreed and In Good Standing to INCLUDED IN BANKRUPTCY - negatively affecting my credit score intentionally. I have sent them the documentation once again via certified mail and they should have it by XXXX/XXXX/XXXX. 
The accounts in GOOD STANDING ( Closed Paid As agreed, prior to filing chapter XXXX ) and removed by EXPERIAN are listed below. 
1 ) XXXX # XXXX - Closed Paid In Full - No Lates - Not Included in Bankruptcy 2 ) XXXX XXXX XXXX # XXXX All History of payments removed. 
3 ) XXXX XXXX XXXX # XXXX - Closed Account - Filing Date for Chapter XXXX XXXX/XXXX/XXXX. No late payments while Bankruptcy Stay4 ) XXXX - XXXX - Paid as Agreed, Closed, No Lates. Not Included in Bankruptcy5 ) XXXX XXXX XXXX XXXX - XXXX -- Paid as Agreed -Experian removed all good payment history. Not In Bankruptcy6 ) XXXX XXXX XXXX XXXX - Loan Paid As Agreed Closed - Experian removed history and Included in Bankruptcy when it was closed and paid in full prior to filing. 
7 ) XXXX XXXX # XXXX - Paid in Full As Agreed and CLosed prior to Chapter XXXX. Not Included in Bankruptcy. All good credit history was removed. 
Experian appears to have intentionally done this to my credit file due to complaints filed with the CFPB. They have failed time and time again to correct my credit file and have blocked my access to dispute credit report online. I want all my ACCOUNTS IN GOOD STANDING reinstated and any negative reporting errors that have been disputed that they have failed to appropiately verify have these corrected and if the negative item was reported incorrectly then deleted and blocked from reappearing on my credit file as per my rights under the FCRA. This is ridiculous. See other complaints against this company that is violating my rights under the FCRA. I will attach the Credit files as evidence. Thank you. See : XXXX & XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief