Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
INACCURATE POST-PETITION REPORTING IN VIOLATION OF FCRA AND METRO 2 STANDARDS I filed XXXX  XXXX bankruptcy on XX/XX/2023, in the United States Bankruptcy Court for the XXXX XXXX of Florida ( Case No. XXXX ) and received a discharge on XX/XX/2023. Despite the automatic stay that took effect upon filing, multiple furnishers continued to report new delinquencies, progressive charge-off dates, and escalating past-due balances to Experian after the petition date. Experian has published and continues to maintain these facially inaccurate tradelines. 
Specific Examples of Post-Petition Reporting Violations : The following accounts show delinquency progression and/or charge-off activity after my XX/XX/2023 bankruptcy filing date, while simultaneously bearing " XXXX  XXXX bankruptcy '' or " Debt included in or discharged through Bankruptcy '' commentsan internal contradiction that demonstrates inaccuracy : XXXX  ( multiple accounts ) Experian reports 90-, 120-, and 150-day late payments and charge-off dates occurring after XX/XX/2023, despite bankruptcy notation XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) Experian shows " Late 150 Days '' dated XX/XX/2023 with derogatory payment history continuing post-petition XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) Experian reports XXXX Late 120 Days '' with activity post-petition alongside XXXX  XXXX comment XXXXXXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) Experian shows `XXXX Late 150 Days '' post-petition with bankruptcy discharge notation XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) Experian shows 150-day late status dated XX/XX/2023 and progressive delinquency after petition date ( See attached credit report, pages [ specify pages ], for complete documentation of post-petition derogatory reporting ) Legal Standard for Bankruptcy Reporting : Upon the filing of a XXXX  XXXX bankruptcy petition, the Bankruptcy Code 's automatic stay ( 11 U.S.C. 362 ) immediately prohibits creditors from continuing collection activity, and the economic relationship between debtor and creditor is fundamentally altered. As a matter of law, no new delinquencies can accrue after the petition date because the debtor 's pre-petition obligation is replaced by the bankruptcy estate 's administration of the debt. 
Metro 2 Credit Reporting Resource Guide explicitly requires that accounts included in bankruptcy be reported as follows : Account status must reflect " Included in Bankruptcy '' ( IIB ) or " Discharged through Bankruptcy '' Current balance : {$0.00} Past-due amount : {$0.00} Payment history : No new delinquencies after petition date Account closed Special comment code indicating bankruptcy filing/discharge Continuing to report progressive delinquencies, escalating past-due amounts, or new charge-off dates after the petition date is categorically inconsistent with these requirements and renders the entire tradeline unreliable. 
FCRA Violations : The post-petition derogatory reporting described above violates multiple provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Experian has failed to follow reasonable procedures to assure maximum possible accuracy by publishing tradelines that show simultaneous bankruptcy inclusion and post-petition delinquency progressiona factual impossibility. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) Upon reinvestigation, information that is found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified. Post-petition derogatory activity is per se inaccurate and unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers are prohibited from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Any furnisher reporting new delinquencies after a bankruptcy petition date has actual or constructive knowledge of the inaccuracy.

15 U.S.C. 1681s-2 ( b ) Following notice of a dispute, furnishers must conduct a reasonable investigation and report the results to all CRAs to which they provided the information. Continued reporting of post-petition derogatory data after investigation indicates failure to conduct a reasonable investigation.

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