Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2023 Experian XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX. XXXX : I have filed several complaints/disputes with Experian and finally a CFPB Complaint regarding information on my Experian Credit file and the action I requested from XXXX XXXX and Experian. The essence explained to XXXX  was as follows : On XX/XX/2023, XXXXXXXX XXXX acquired our Mortgage from XXXX XXXX. On XX/XX/2023, we ( my XXXX and I ) filed for XXXX. On XX/XX/2023, we signed the Reaffirmation Agreement to reaffirm our mortgage. ( Attached ) On XX/XX/2023, XXXXXXXX XXXX executed the Agreement. ( See Agreement ) On XX/XX/2023, we received our discharge. ( Attached ) During and throughout our XXXX we continuously paid our mortgage payment on time. XXXX XXXX, however, continued to report our Mortgage in Bankruptcy in the Bureau. For example, Experian reported in my ( XXXX ) account that the Reaffirmation Agreement was rescinded and shows no Mortgage. You reported both of us to the Credit Reporting Agency as in Bankruptcy/never late, but we are no longer in Bankruptcy and the sheer fact we paid all our payments during and throughout the Bankruptcy should negate stating we are in Bankruptcy. Other than the formality of the reaffirmation agreement by the court, which was signed and approved by XXXX, it should state we are open and current. We were current at the time of Bankruptcy, we continue to be current, and it should be stated as such in all Bureaus. In XXXX you report both our accounts as in Bankruptcy. It should state we are open, never late. XXXX deleted my husbands report showing no mortgage while continuing to improperly report my file. We have called the loss mitigation dept several times, but we are continually told the file was in review. 
ACTION Originally Requested : Correct the information in all Bureaus stating the account is open/current and never late. RESPA and FCRA require compliance with proper reporting up to and including the extent of accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX : Dear XXXX XXXX, We have reviewed your complaint in which you express concerns regarding the information being furnished to the credit reporting agencies ( CRAs ). We have confirmed that our reports to XXXX and XXXX are accurately reflected in your report. However, we have also confirmed that the information being displayed by Experian does not match our reporting. To remedy this, we have submitted a manual correction request with Experian to update the reporting. The AUD confirmation number for this correction is XXXX. You can use this number to confirm the correction with the CRAs directly. For XX/XX/2023, we submitted our monthly reporting file to the CRAs and included all up-to-date information through XX/XX/2023. ( This is not true because the Experian file ( XXXX file ) has not changed ) We reported that the loan was reaffirmed and that the loan status was open and current. ( Not True, the status of my wifes account did not change in XXXX nor XXXX and XXXX ) We can not speak to what information the CRAs used to update the information independent of our reporting. The correction will address the reporting for XXXX, as the current Experian pay history does not match ours. Experian also only lists the reaffirmation as active from XX/XX/2023 through XX/XX/2023. Experian is also reporting the loan as reaffirmed/rescinded for your co-borrower XXXX. The correction will update the file to reaffirmed, open and current, as well as addressing the pay history discrepancy on her report. ( Whatever XXXX was reporting did not change the file. ) Again, we can not speak with any certainty as to what information Experian is using to update your credit file. They would need to provide that information to you. If you have questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX to XXXX and Saturday XXXX to XXXX XXXX XXXX. 
Very sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 

XXXX XXXX has complied with the original complaint according to them. See attached email excerpts from XXXX XXXX of XXXX Mortgage regarding same. My report was not corrected and still has not been corrected and should be reading the same as my husbands. In the status information, Experian has failed to update the loan amount and remove the statement that the " XXXX XXXX  Reaffirmation '' was rescinded. We have a mortgage with XXXX XXXX, and it should be reflected correctly as to what the balance really is. It also appears whoever is reviewing this doesnt fully understand that we have been XXXX from bankruptcy. I spoke with the company and was assured by the company representative that they would respond to me with a resolution and correction. I forwarded their email responses to your XXXX, TX XXXX, including the attached excerpts and I have yet to receive a response. I called them and they said the account is in review/dispute, but they assured me they have corrected it. I logged into my account online and it has yet to be done. I asked them for a written copy of my report which they have indicated they are sending. Attached is what they sent me wherein the person I spoke with at the time ASSURED me the report was correct no matter what the APP told me. As you can see the report IS NOT correct. People I am tired of being lied to. You are misrepresenting the status of my mortgage account and have been since XX/XX/2023. At this point XXXX ) I am filing a complaint with the CFPB stating your lack of compliance with RESPA and FCRA and negligence. 
XXXX ) I am contacting my Attorney, XXXX XXXX XXXX, and I am going instruct him to prepare the necessary paperwork to file a Defamation lawsuit for failure to conform with Federal Regulation, more specifically RESPA and FCRA. 
If I do not receive an immediate response and an updated, corrected and true copy of my XXXXXXXX XXXX file within XXXX business days of receipt of this correspondence I will instruct my Attorney to move forward. I trust we can come to a resolution shortly. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX CFPB

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