Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Loan No. : XXXX Bankruptcy Case No. : XXXX ( XXXX  XXXX ) I write to you today to demand the immediate cessation of XXXX XXXX  illegal and predatory conduct. Your company has systematically violated federal law, breached its contractual duties, and engaged in a bad-faith campaign that has sabotaged my financial recovery and threatened my home. This letter serves as a formal demand for immediate corrective action to avoid imminent litigation in both bankruptcy and federal court. This isn't an attempt at deletion ; rather, this serves as an attempt to get XXXX XXXX  to accurately report this credit line to all the Credit Reporting Agencies properly. This credit line is extinguished, meaning the balance on the account is {$0.00} and not --. 
1. BAD FAITH SABOTAGE OF REAFFIRMATION RIGHTS & MANUFACTURED DEFAULT The Bankruptcy Code provides debtors the right to reaffirm a debt under 11 U.S.C. 524 ( c ). I exercised this right immediately upon filing my XXXX  XXXX petition in XX/XX/XXXX. Your own correspondence acknowledges my repeated requests for a reaffirmation agreement. 
However, XXXX XXXX  engaged in a pattern of conduct that illegally blocked this process : You assessed unauthorized bankruptcy fees against the account, artificially manufacturing a delinquency. 
You then used this manufactured delinquency as the pretext to deny the reaffirmation agreement I was actively pursuing, as evidenced by your email stating the loan was not able to be reaffirmed due to the delinquency. 
You have since provided contradictory explanations, alternately blaming this manufactured delinquency and then blaming me for not signing an agreement that your legal counsel failed to finalize and present promptly before discharge. 
This constitutesbad faith negotiationand a direct interference with a right granted by the Bankruptcy Code. You created an illegal Catch-22 that prevented me from securing the protections of a reaffirmation agreement. 
2. WILLFUL VIOLATION OF THE BANKRUPTCY DISCHARGE INJUNCTION ( 11 U.S.C. 524 ( a ) ( 2 ) ) The debt was discharged by court order on XX/XX/XXXX. The permanent injunction under 524 ( a ) ( 2 ) immediately took effect, voiding any personal liability.

In blatant contempt of this court order, XXXX XXXX has : Continued to demand payment, sending statements with a " Next Payment Due Date '' of XX/XX/XXXX. 
Accepted post-discharge payments, as detailed in your own transaction history.

Assertedthat a current principal balance of {$72000.00} is still personally owed.

These are not informational statements. They are unlawful acts to collect, recover, or offset a discharged debt. Each communication is a separate and sanctionable contempt of court. ( The discharge injunction is one of the most critical protections the Bankruptcy Code affords to debtors.In re XXXX, XXXX ). 
3. WILLFUL VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) As a furnisher of data, XXXX XXXX has a non-delegable duty under 15 U.S.C. 1681s-2 ( b ) to report accurately. The only accurate reporting for a discharged debt is a {$0.00} balance and a status reflecting its discharge. 
Your willful failure to do soinstead reporting a balance and ongoing delinquency for monthsis a flagrant FCRA violation. Your XX/XX/XXXX CFPB response admits this error but attempts to shift blame, proving your failure to maintain reasonable procedures to ensure maximum possible accuracy. This has caused significant and quantifiable damage to my creditworthiness. 
4. THE UNCONSCIONABLE CATCH-22 : PAYMENTS WITHOUT PROTECTION Your company has engineered a no-win scenario that exploits my need for shelter : Option 1 : I stop paying. XXXX XXXX forecloses. I lose my home.

Option 2 : I continue paying to avoid homelessness. However, because you refuse to accurately report, I receiveZERO creditfor these timely payments. My credit score remains depressed, and I am denied the primary consumer benefit of fulfilling this financial obligation.

This is a grossly unfair and predatory shadow arrangement that exists solely for your benefit. You accept my money while ensuring my financial profile can not recover.

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