Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a Chapter XXXX Bankruptcy to protect my home, I was doing a loan modification with XXXX in XXXX, on XXXX they filed a foreclosure notice with the Court, I had been working with Consumer Credit Counseling. I filed Chapter XXXX Bankruptcy in XXXX XXXX, the payment to the court was XXXX/month. I closed that Chapter XXXX in XXXX, XXXX, and opened a new Chapter XXXX to reduce the payments to XXXX/month to the court. I was wanting to retire early due to medical issues and I retired XXXX/XXXX/XXXX. My attorney had the court convert the Chapter XXXX to a Chapter XXXX, this was in XXXX XXXX, and XXXX XXXX, respectively. The Chapter XXXX was fully discharged on XXXX XXXX, XXXX. XXXX had sold my loan to XXXX in XXXX XXXX, in XXXX XXXX I started a loan modification with XXXX, it took until XXXX XXXX, XXXX to complete the loan modification, after the loan mod my balance with up to XXXX from XXXX, also interest rate from 4.0 % to 4.65 % and after the made adjustments for all my payments the I owed XXXX for an additional 20 years, and I was behind in my payments by {$8000.00}, and was to be sent by XXXX XXXX, XXXX. I contacted the State Attorney General 's Office, Legal Aid, etc. Because I did n't know what else to do I filed per XXXX another Chapter XXXX Bankruptcy on XXXX XXXX, XXXX, I paid the law firm XXXX, my furnace was not work and was XXXX years old and I could not get credit to replace the furnace due to the recent bankruptcy. I asked the XXXX to cancel the bankruptcy, which he did, I received notice from the court my case was voluntarily dismissed, and would be like it never happen. XXXX is showing discharged in Chapter XXXX, XXXX is showing discharged in Chapter XXXX, and the new mortgage company when I did not pay the {$8000.00}, on XXXX XXXX, XXXX XXXX sold my loan to XXXX and showing discharged in Chapter XXXX, but late payments from XXXX XXXX thru XXXX XXXX. XXXX has been sold to XXXX, I am currently working with a Title Attorney since the original note and mortgage papers via XXXX were never recorded because they were lost. All the bankruptcies could have been avoided if XXXX had told the truth in XXXX of XXXX, and in XXXX XXXX, that I needed to sign new papers, the original papers of XXXX were lost at that time I was married and divorced in XXXX, and ex-husband quit claimed deeded the house per court order and 2 years later told I had to sign replacement copies. Mt credit has been completely ruined by this last Chapter XXXX bankruptcy and even though I cancelled the Chapter XXXX and XXXX told me it would be like it never happened, the Credit Reporting agencies will not remove for 7 years. To them a dismissal is a dismissal and a filing is a filing, I cancelled with 2 weeks, and there was no meeting of the creditors, because they were are removed in the chapter XXXX. Even if I had cancelled the very next day I would be having the same problem. I hired XXXX XXXX to help me they are running into the same problem. The policy is to have any filed Bankruptcy remain own your report for 10 years for a chapter XXXX and 7 years for a chapter XXXX I only want the Bankruptcy filed in XXXX XXXX and cancelled by me removed. The other Bankruptcies XXXX XXXX - XXXX XXXX I do not have a problem with them remaining on my report at this time. 
I have been suffering with these problems for over 10 years, all due to the Mortgage problems with XXXX, XXXX, XXXX, XXXX and now 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