Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX and Credit Bureaus will not update late pays during bankruptcy, after discharge, 2 years later and after several disputes to observe my rights according to the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Wisconsin XXXX Subject : Notice of Bankruptcy Filing and Requirements for Accurate Credit Reporting Dear XXXX XXXX, Experian, XXXX, XXXX, I am writing to formally notify you that I have filed for XXXX  XXXX bankruptcy protection under case number XXXX in the United States Bankruptcy Court for the XXXX XXXX, with a filing date of XX/XX/XXXX. I would like to remind you of the requirements under the law regarding the reporting of my account to the credit bureaus during the pendency of my bankruptcy and after discharge. Reporting Obligations During Bankruptcy Proceedings Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors are required to report accurate and truthful information to the credit reporting agencies. While I understand that during the pendency of my bankruptcy, you may continue to report my account status and any payments ( or lack thereof ) that occur up until the date of discharge, I want to emphasize that such reporting must be accurate and reflect the current status of my bankruptcy filing. Reporting Obligations After Bankruptcy Discharge Once my bankruptcy is discharged, the Bankruptcy Code mandates that all debts discharged in the bankruptcy must be reported as such. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any further reporting of this account must reflect a XXXX balance and include a notation that the debt was discharged in bankruptcy. Any reporting of delinquent or late payments on a discharged debt would be considered inaccurate and a violation of the FCRA as it would misrepresent my legal obligations. Consequences of Non-Compliance Should you fail to comply with these legal obligations, I am prepared to take the following actions : Dispute with Credit Bureaus : I will immediately file a formal dispute with the credit reporting agencies ( XXXX, Experian, and XXXX ) to correct any inaccurate reporting. Complaint with Regulatory Authorities : I will submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which oversee the enforcement of the FCRA. Legal Action : If necessary, I will pursue legal remedies under the FCRA for any damages caused by your failure to comply, including statutory damages, punitive damages, and attorneys fees. 
Please provide written confirmation within 30 days of receipt of this letter that your records have been updated to reflect the correct status of my account both during the bankruptcy proceedings and post-discharge. Failure to provide this confirmation or any continued inaccurate reporting may result in the actions outlined above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of this letter should be sent to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX