Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit bureau is reporting a late payment on my account which they say is because of a XXXX account. However, Ive spoke to XXXX. They are not reporting a late payment. This XXXX account was including in my chapter XXXX bankruptcy in XXXX. Under Bankruptcy laws and the Fair Credit Reporting Act, after bankruptcy, they cant report a currency late payment. Experian says its not a late payment, its just reporting that way. That makes no sense. No other account under my bankruptcy report this way because they cant. I filed a dispute on XX/XX/XXXX to fix the problem. However, they didnt change anything. Bankruptcy allows a person to start rebuilding their credit. If accounts were allowed to do this then nobody would be able to rebuild their credit. All they can report is that it has a XXXX balance and the account was included in bankruptcy. XXXX says thats all their reporting. And thats all my credit report says their reporting. However, in my credit summary and credit report, it says 1 late payment. The agent at experian told me its because of XXXX but thats not the case. This late payment just popped up on my account at the beginning of this month. However I filed bankruptcy on this account back in XXXX. My account credit score has went down 39 points because of this. In XX/XX/XXXX I disputed the account because they were still reporting a balance. XXXX fixes that and my score went up like it should be. Then several days later my account had a late payment on it. Which decreased my score 39 points. My attorney is going to file suit against both companies for breaking the fair credit reporting act if this is not taken care of. His name is XXXX XXXX of XXXX TN. This has already caused me issues trying to get financing. I havent had one late payment on anything since my bankruptcy. The law doesnt allow them to report like this after bankruptcy. Please help me get this strait so we dont have to go through a long drawn out process in court. But rest assured we will go to court if we have to and I will be suing for damages this has caused me such as the interest rate I have to pay on a car I just purchased due to my score being wrong and this a XXXX account not reflecting correctly on my Experian credit report. As you can see in the attachments it says I missed a payment 2 months ago. I filed bankruptcy on the XXXX account in XXXX. Even if I missed a payment before the bankruptcy they cant report that now. Especially not 2 months ago. But if you look at the XXXX account on my report it says no payment history like it should. So XXXX is reporting it correctly. Experian just isnt reflecting it correctly. And they dont have anyone there that I can speak to that can understand this. With them being who they are you would think they would realize the problem.

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 non-monetary relief