Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

At all relevant times herein, I have been the joint owner of a real property at XXXX XXXX XXXX, Virginia XXXX, VA XXXX. 

My current mortgage servicer is XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2021, I saw that Experian was reporting my XXXX XXXXXXXX XXXX XXXX account as discharged through bankruptcy. 

XXXX XXXX XXXX, 2021, I submitted an online dispute to Experian XXXX disputing that the XXXX XXXXXXXX account as discharged in bankruptcy and providing proof from the bankruptcy court that my XXXXs XXXX Home Loan account was not in fact discharged in bankruptcy. 

On XXXX XXXX, 2021, Experian responded to my dispute, verifying the inaccurate information as " accurate. '' Neither XXXX XXXX nor Experian performed a reasonable investigation of my dispute. 

On XXXX XXXX, 2021, I attempted to correct the inaccurate reporting directly with the furnisher, XXXX XXXX home Loans. I spoke with XXXX ( employee ID XXXX ) in the bankruptcy department who told me they could see my loan had been modified via the bankruptcy court, but that they, the bankruptcy department, had no control over the credit reporting of my account and if I wanted any changes to the reporting, that I would have to dispute it with their credit reporting department, which of course I already had by virtue of my XXXX XXXX, 2021 dispute to Experian, who had forwarded my credit reporting dispute to XXXXs XXXX. 

I am therefore attaching the following for the CFPB 's review the following documents to show my loan was exempt from the bankruptcy discharge and should not be reporting as discharged in bankruptcy : XXXX ) XXXX Order Approving Loan Modification XXXX ) XXXX Notice of Voluntary Conversion from XXXX. XXXX to XXXX. XXXX XXXX ) XXXX Order Converting Case from XXXX. XXXX to XXXX. XXXX XXXX ) XXXX Amended Schedules ( See Schedule C showing XXXX XXXX XXXX as secured, exempt property ) XXXX ) XXXX Trustee 's Final Report and Account XXXX ) XXXX Discharge of Debtor Also attached is Experian 's XXXX XXXX, 2021 response to my dispute re XXXX XXXXs XXXX Home Loans account in which they " verified '' the reporting as " accurate. '' As you will see from the attached bankruptcy documents, the loan for XXXX XXXX XXXX was modified by the Court. I was then able to convert from a Ch. XXXX to a Ch. XXXX and my property at XXXX XXXX XXXX was exempt from discharge. Therefore, when the Court entered an Order of Discharge, the mortgage loan with XXXX XXXX Home Loans was NOT discharged. 

Both Experian and XXXX XXXX XXXX Loans are in violation of the Fair Credit Reporting Act. I simply want my credit report to reflect that my XXXX XXXX loan is current and in good standing and is NOT discharged in bankruptcy. It is causing me credit damage and no small amount of stress. The whole point of bankruptcy was to escape the overwhelming burden of medical bills and have a fresh start. XXXX XXXX and Experian are preventing me from having a fresh start. 

Thank you for your assistance.