Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX. All accounts from all XXXX bureaus, except XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX ) on my Experian report was removed by XXXX XXXX which would be 7 years from filing. Experian showed the account now reporting as a charge-off and would stay on file until XXXX XXXX. A prior report on XXXX XXXX, XXXX indicated the account " Discharged through Bankruptcy Chapter XXXX '' and was scheduled to remain on my report until XX/XX/XXXX. A report from XXXX/XXXX/XXXX changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. '' and " This account is scheduled to continue on record until XXXX XXXX ''. A report from XXXX/XXXX/XXXX shows shows the public record has dropped off but the XXXX XXXX XXXX account now shows " Account Charged Off. $ # # # # # # # written off. '' and " This account is scheduled to continue on record until XXXX XXXX '' remained. A report on XXXX/XXXX/XXXX still shows the same as the XX/XX/XXXX report, but all accounts included in the XXXX XXXX have been removed. The XXXX XXXX XXXX account still shows the same information as XX/XX/XXXX. I disputed the XXXX XXXX XXXX account indicating it was included in bankruptcy that had been removed and it too should be removed. Well they updated the status to " Discharged through Bankruptcy Chapter XXXX/Never late. '' and " This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. '' Needless to say I was livid and redisputed the item online including a copy of the Final Report from the Chapter XXXX Trustee. They responded that they were not able to use that to remove XXXX XXXX XXXX from my report. On XXXX/XXXX/XXXX, I receive a letter from Experian. Including a copy of my credit report. It states, " Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed of XXXX. The bankruptcy itself, listed in the public record information section of the credit report, remains for seven years from the filing date if it was a Chapter XXXX, or 10 years from the filing date if it was a Chapter XXXX, XXXX, or XXXX. '' Additionally, per Experian 's own FAQ page ( XXXX ) : " Q : How long will the accounts I included in my bankruptcy remain on my credit report? 
A : Any account included in a bankruptcy remains on your personal credit report for a maximum of seven years from the date the bankruptcy was filed. The bankruptcy itself, listed in the public record information section of a credit report, remains for either seven years from the filing date if it was a Chapter XXXX or 10 years from the filing date if it was a Chapter XXXX, XXXX or XXXX. '' They are not adhering to their own policy! 
On XXXX/XXXX/XXXX I mailed a dispute to Experian including the pages of the above credit reports and their prior dispute results. I also sent a letter to XXXX XXXX XXXX notifying them I was disputing this information with Experian. Experian sent me a letter dated XXXX/XXXX/XXXX with the dispute results and no changes were made. T 's very disturbing that a credit bureau has such influence over your life and yet is so hard to deal with. You ca n't even call anyone at the bureau! do n't know how much clearer it can be that this account should be removed! I need your assistance in getting this cleared up. 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 non-monetary relief