Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern : I am seeking your assistance before taking legal action with Experian and XXXX XXXX. I am seeking a remedy to the damage inflicted on me due to Experians and XXXX XXXX XXXX  XXXX  negligent actions. My credit and FICO score has been hindered 10 -20 points due to a lack of action taken by both parties to not rectify the issue. 

1 ) I have sought to have my XXXX XXXX XXXX XXXX account taken out of negative status due to my Chapter XXXX reaffirmation agreement being legally rescinded on XX/XX/XXXX. Therefore, there is no more negative credit history for this account # for the XXXX XXXX XXXX XXXX XXXX  for VIN # ______________________, I have a 60 day window in which if I legally rescind the agreement it's as if the time period never existed. I have filed more than 3 -6 disputes with Experian. The Chapter XXXX filing of postal certified receipt, letter and email has also been given and used as a basis for determination by Judge XXXX to set an official decision against XXXX XXXX XXXX XXXX, since it was being challenged. 2 ) I assume XXXX XXXX XXXX XXXX has reported information to the contrary, despite me submitting all the legal paperwork as proof in my dispute to Experian. My account is still reporting negatively, as a Charge-Off ( CO ) and No Payment ( NP ) 3 ) Additionally, I was recently contacted by XXXX  XXXX XXXX  XXXX   representative around XX/XX/XXXX around XXXX. I was asked if I wanted to keep the car, with no mention of the issues and no payment due to rescinded reaffirmation auto agreement. When informing the XXXX XXXX XXXX XXXX representative of the prior legal proceedings and communication, I told him I only wanted to have the car picked up due to me rescinding a reaffirmation agreement. The representative advised me that they would provide me notice upon request within or at least 18 days of us speaking. 

The issue aforementioned is not exhaustive collectively or individually on each party, however I know these are violation of a ) US Bankruptcy law and b ) FCRA law partially or in whole. Experian : I am seeking a point scoring system or rubric guide on how Experian deals with credit reporting. I have seen adverse action taken ( drop in FICO score ) on the XXXX XXXX XXXX XXXX account when allegedly the account was reported to be in bankruptcy, when it was already considered 90 days late and charged off. 

Additionally, Experian has allowed XXXX XXXX XXXX to add negative credit history to negatively affect my credit by retroactively reporting negative payment history on a lawsuit and default judgement in XXXX XXXX, IL in XXXX for an auto loan. 

I would like the information for Experian and or XXXX XXXX XXXX and XXXX  XXXX to post the correct information and delete the negative status information on my credit report that should be provided post Chapter XXXX discharge. 

I look forward to hearing from you. 


Sincerely, XXXX XXXX XXXX

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