Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: VA
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:
3 private student loan accounts with XXXX  went into repayment per the promissory notes on XX/XX/XXXX. In XXXX, I filed chapter XXXX bankruptcy and these were all included. XXXX charged off 1 of the accounts in XXXX when my co-signer claimed he didnt sign the note and XXXX allowed him off of the loan despite me proving in court previously in XXXX that he was lying.That bankruptcy was discharged in XXXX. XXXX charged off the other 2 loans in XX/XX/XXXX. I filed chapter XXXX bankruptcy in XX/XX/XXXX and again included all of these accounts, and that bankruptcy was discharged in XX/XX/XXXX. I have never made any payments on any of these accounts, but my bankruptcy trustee did make some payments to some of them during my chapter XXXX bankruptcy, but never enough to bring these accounts current. 

When I recently checked my credit, I found that all 3 accounts were reporting balances and a charge off each month despite being >7 years from the first date of delinquency and being included in bankruptcy filings. I disputed with all 3 bureaus without a resolution and finally filed complaints with CFPB. 

Experian promptly XXXX  out the balance on 2 of the accounts and removed the reportings after the bankruptcy filings, but they continue to show they wont be deleted until XXXX & the balance & negative reporting continues on the 3rd account. XXXX & XXXX  have not updated anything and in fact one of them still shows balances on 2 of the accounts. They all state to contact the furnisher of the information ( XXXX  ) if I have any further disputes about these accounts. 

XXXX 's response to the CFPB dispute was that they brought 2 of the acccounts current after bankruptcy because they were charged off prior to the bankruptcy & the 3rd charged off after the bankrutpcy, so they continue to report it as delinquent. Well even if that is so in regards to my 1st bankruptcy ( chapter XXXX XXXX, I had a 2nd bankruptcy AFTER the charge off on that account ( chapter XXXX in XX/XX/XXXX ). So it should have been brought current and stopped reporting delinquency after that bankruptcy if I use the logic that they are using, but they continue to report a balance and delinquency every month on the 1 account on Experian & 2 accounts with the other bureaus. I still believe they are wrong and all 3 should be deleted due to the date of first delinquency being in XXXX, but they state that they placed the accounts in forebearance during the bankruptcy & they state that reset the date of first delinquency to XXXX after the chapter XXXX bankruptcy ended. I did not ask for a forebearance and per the promissory notes these went into repayment in XXXX, even though they can not negatively report during the bankruptcy it certainly should not have adjusted the date the account was first delinquent or subsequently the date they should stop being able to shred my credit with these 9 year old accounts. 

At a minimum, I would be content with XXXX  balances and them not continuing to report delinquent every month so that I can do what the bankrutpcy law intends, which is to start over, but the creditor refuses to do that on two of the accounts. I need a resolution or I will be forced to bring legal action to both XXXX and the credit bureaus. I would prefer to not have to do that. 

*I do NOT agree that I owe these accounts and I in no way acknowledge this as my debt.

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