Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Complaint Statement to CFPB Regarding Experian Credit Report Errors I am filing a formal complaint against Experian regarding multiple inaccuracies on my and my husbands credit reports. Despite a federal stay issued in conjunction with our bankruptcy filing, Experian continues to report late payments and past due amounts. These errors are in direct violation of federal law and our rights as consumers. 

We filed XXXX  XXXX bankruptcy Case # XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX the Complaint : XXXX. Filing Bankruptcy and Federal Stay : We filed for bankruptcy on [ Date of Filing ], and a federal stay was issued, prohibiting creditors from reporting negative information during the bankruptcy process. 
XXXX. Inaccuracies : Experian is inaccurately reporting late payments and past due amounts for several accounts, despite the federal stay. 
XXXX. Supporting Documentation : Attached are copies of our bankruptcy filing, the federal stay order, and our Experian credit reports highlighting the errors. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C. 1681c ( a ) ( 1 ) : States that information regarding bankruptcy discharge should be accurately reported and not show any debts as past due.

2. Automatic Stay Provisions of the Bankruptcy Code - 11 U.S.C. 362 : The automatic stay prohibits creditors from continuing collection activities, which includes reporting inaccurate negative information to credit reporting agencies.

Request for Resolution : 1. Immediate Investigation and Correction : We request an immediate investigation into the inaccuracies on our Experian credit reports and the correction of all erroneous late payments and past due amounts. 
2. Notification to Creditors : Experian should notify all affected creditors of the inaccuracies and ensure they correct their reporting.

3. Updated Credit Reports : We request copies of our updated credit reports once the errors have been corrected.

4. Confirmation of Compliance : Experian should provide written confirmation that they are in compliance with FCRA and bankruptcy code provisions regarding the reporting of our accounts.

Impact of Errors : These inaccuracies have significantly impacted our creditworthiness and have caused undue stress and financial hardship. It is crucial that Experian adheres to federal laws and ensures the accuracy of our credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : XXXX Email : XXXX Attachments : XXXX XXXX XXXX XXXX XXXX

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