Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I filed BKXXXX in XX/XX/XXXX. I have had all reports updated with Equifax XXXX. I have tried diligently and patiently to work with XXXX. On the most recent dispute ( of the same issues ) I had to contact Experian 's outside litigation firm to get any help whatsoever. Yet, a rep, XXXX knowingly refuses to obey the law and insists that ( 1 ) the DISCHARGE date is the date that is used for stating that my account was included in the bankruptcy rather than the filed date used by every other financial institution in the world ; XXXX 2 ) That the creditor can report the account as a CHARGE OFF even if it was not l ; ate or charged off prior to or on the date of the bankruptcy filing. She is wholly ignoring the automatic federal stay by doing this. I have shared case law and even information from Experian 's own website regarding this, yet, I think she just wants to prove to me that she is right and has all the control. My credit file is not a toy for her to play with. ( 3 ) I have informed her that I am a combat veteran and this issue has caused me grief and increased doctor appointments. I also informed her superiors XXXX. She states that creditor 's can report negative information up to the date of discharge. That is not true either, as you know. XXXX 4 ) Now some of the violations has been corrected but someone added a security statement to my bureaus that I DID NOT draft or approve ; XXXX 5 ) suddenly there are charge-offs on XXXX XXXX XXXX cards that were not even late at the time of filing and have NEVER reported as late before XXXX XXXX 's superiors were brought in. In fact, those charge offs are being reported in the year XX/XX/XXXX! I was in great credit standing XX/XX/XXXX, a hurricane that destroyed my home and a sudden divorce was why I found myself in bankruptcy court. This is clearly a retaliatory action by XXXX XXXX. ( 6 ) There are still other accounts that she refuses to correct that were NOT charged off prior to the filing date. 
I understand that if the account was indeed already charged off prior to the filing date then that history does not necessarily change, although, the law does state that the new balance must show zero. Charge-offs after that filing date are unlawful. Creating false charge-offs are obviously unlawful actions. 
This failure has my credit report showing that I have had XXXX negative payment histories IN ADDITION to my bankruptcy. It has caused me emotional and physical distress, has cost me a mortgage, decent interest rates as well as heightened scrutiny by state law examiners for admissions to the bars of those states because they think I have not only filed bankruptcy but then recklessly charged up more credit and had those debts charged off after the bankruptcy. These results are proof of damages and work in the exact opposite of Congress 's purpose of the law. I am attaching my latest email here. The FTC has referred me to this organization for relief. If your intervention can not resolve this properly I will have no alternative but to sue Experian and XXXX XXXX in her personal capacity. I would like to avoid such a lawsuit because once her ego is put aside and the law appropriately applied - this becomes a non-issue. I ask your assistance in that. 

Thank you -Attorney XXXX XXXX