Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During summer XXXX my XXXX and I jointly filed for XXXX XXXX bankruptcy. At the time of filing, she held a XXXX card that wasn't even activated yet. This is the only XXXX card she's ever had, and she hasn't had one since then. The card wasn't included in the creditor 's matrix in the XXXX discharge petition - AND THERE WAS NOTHING TO DISCHARGE as it WAS NOT EVEN ACTIVATED. 

In the time between now and then there have been NUMEROUS attempts to get the actual, factual, correct information regarding her XXXX XXXX status on her credit report - including personal telephone calls to various departments of yours, disputing the information directly via the online report itself, opening and " external dispute '' with your customer support experts, XXXX  sending out multiple XXXX updates, XXXXXXXX XXXX credit bureau & bankruptcy depts directly contacting you, XXXX XXXX " executive office of consumer advocacy '' directly contacting you, and even the CFPB overseeing an investigation/complaint about this very issue. 

YET, incredibly, astoundingly, incredulously, stupefyingly - to this day, you STILL have the account status INCORRECTLY shown as " discharged in XXXX '' ( see attached ). Again I remind you, THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE XXXX CREDITORS MATRIX. The card WASN'T EVEN ACTIVATED. 

So, on XX/XX/XXXX she filed a CFPB complaint with Experian as her XXXX account status on her credit report was STILL incorrect. After a lengthy investigation that included directly contacting XXXX, Experian responded that they " updated the account according to their reinvestigation but didnt agree to delete the bankruptcy status from the credit report. '' On XX/XX/XXXX XXXX contacted you directly in YET ANOTHER attempt to pull you head out of your XXXX XXXX  & get her account status updated to it's actual, factual, true and correct status of " closed by credit grantor '' - NOT " discharged in XXXX '' ( see attached ). XXXX advised her to wait a " reasonable amount of time '' to allow the change to go through. 

Today ( over XXXX  weeks later ) she was just DENIED on her XXXX card application ( see attached ). A review of her current credit report showed exactly what I've come to expect from you - the same incorrect account status that's always been on there. It is mind-boggling how you can be this incompetent! 

Since you refuse to update her report with the actual, factual, true and correct status we'll have to let you deal with the federal regulators on this issue ( and pay the associated costs out of your own pocket ). 

Interestingly enough, I had a very similar issue with you that was just resolved back in XX/XX/XXXX ( see attached ), after almost a year of attempting to personally resolve it with you- which you failed to resolve during that time ( that, combined with my wife 's experiences so far reveal your pattern of behavior ). It was only that when I opened a CFPB complaint against you that you did anything about it - showing me who actually has power here. 

I suggest you get it right this time, because if you don't, won't, or can't at that point I would have everything I need to begin legal proceedings to finally end your debacle.

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