Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Too much to list as this is now an emergency situation caused by the bank : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and local office branch is in XXXX, TX on XXXX XXXX XXXX, XXXX ; Original amount reported : XXXX in XX/XX/XXXX = correct Date the account, ( checking ), was opened in XX/XX/XXXX = correct Date of status was therefore correct as XX/XX/XXXX, and the date given on the Experian Report, XX/XX/XXXX, = correct. 

Status notes : " Account charged off, $ XXXX, written off ( XXXX ), as of XX/XX/XXXX are correct. 

" This account is scheduled to continue on record until XX/XX/XXXX. ", is also not disputed by this consumer, grateful that the overdraft created by a home business scam, was actually coming off early, lessthan 7 years from the last transaction date with XXXX XXXX, who shows XX/XX/XXXX, on a statement they turned into XXXX XXXX XXXX, TX XXXX. 

The problem that this consumer has now is that, the XXXX XXXX XXXX are being more than unfair, since I checked my credit report in late XXXX, early XXXX, after she finished a new medical treatment in XXXX, FL. She thought she might be able to have a chance at a " normal life '', even she suffered irrepairable damage from the long illness. She found that the creditor, ( the Experian report of XX/XX/XXXX ), did follow the status notes reported and the debt was off her report. 

The debt ( a XXXX charge-off ) not only was back on but it was a " Public Record '' now as a " Default Judgement '', claiming I ignored " service '' reported forXX/XX/XXXX, etc. 

More details provided on request but this has escalated to the creditor, " XXXX XXXX '', now trying to have me arrested! This can be verified by the County Court No. XXXX. In the consumer 's attempt to clean-up her credit report, and get the default judgement off, the bank has gone out of control, claiming they can and will keep harassing me for this, the rest of my life. XXXX XXXX stated this in a long, ( almost 2 hour ) phone conversation, this past week when I, ( consumer and plaintiff in a XXXX of XXXX she submitted XX/XX/XXXX, in the county court no. XXXX ). The next day she found that the bank had already put in a Motion to have me put in contempt, arrested, having to put up bond in the county court etc. I had called since he had already put an application a few days earlier for " Sanctions against the plaintiff '', so that I could not speak to the court about the case anymore.See Cause No. XXXX. 

I live in fear now, afraid to answer the door, wondering why these attorneys have been allowed to now actually threaten my freedom, my life, as I can have my XXXX status with social security shown and rewlease info from my doctor that I may have just XXXX XXXX XXXX and that my only chance of that being any amount in years, is all going to be my life style. My " life style '' has gone from a XXXX XXXX to zero, all due to XXXX XXXX. The claim they made inXX/XX/XXXXin order to get a default judgement unbeknownst to the plaintiff, ( related Case # CV XXXX ), discovered past the deadline to appeal by the defendant, who filed a " XXXX of XXXX '' based on not receiving notice has completely cost this consumer any chance for recovery. What can be done now for a XXXX, XXXX, XXXX XXXX such as myself?

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