Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB Representative, I am filing a formal dispute against the credit reporting agencies listed below for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting accounts included in my bankruptcy. These errors are damaging to my credit profile and have not been corrected despite prior disputes. I am requesting your intervention to ensure the credit bureaus comply with federal law. 
Warning Final Notice Accounts with Bankruptcy Reporting Violations Credit Bureaus Involved : Experian Equifax TransUnion Disputed Accounts and Violations : 1. XXXX Account XXXX Violation Statutes : FCRA 605 ( a ) ( 1 ), FCRA 623 ( a ) ( 3 ) Issues : o Incorrect balance reported after bankruptcy discharge.

o Re-aged account with new dates. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : Experian, Equifax, TransUnion. 
2. XXXX  Account XXXX Violation Statutes : FCRA 605 ( a ) ( 5 ), FCRA 611 ( a ) Issues : o Account included in bankruptcy but reported as open/active.

Credit Bureaus Reporting : Experian, Equifax. 
3. XXXX  Account XXXX Violation Statutes : FCRA 605 ( a ) ( 1 ), FCRA 623 ( a ) ( 3 ) Issues : o Account re-aged with new delinquency date after bankruptcy. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : TransUnion, Equifax. 
4. XXXX  XXXX XXXX Account XXXX Violation Statutes : FCRA 623 ( a ) ( 3 ), FCRA 605 ( a ) ( 5 ) Issues : o Incorrect balance reported post-bankruptcy. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : Experian, Equifax, TransUnion. 
5. XXXX XXXX XXXX  Account XXXX Violation Statutes : FCRA 605 ( a ) ( 1 ) Issues : o Still reporting an outstanding balance despite bankruptcy. 
Credit Bureaus Reporting : TransUnion, Equifax. 
6. XXXX  Account XXXX Violation Statutes : FCRA 611 ( a ), FCRA 605 ( a ) ( 5 ) Issues : o Status listed as charge-off instead of discharged. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : Experian, Equifax, TransUnion. 
7. XXXX XXXX Account XXXX Violation Statutes : FCRA 605 ( a ) ( 1 ), FCRA 623 ( a ) ( 3 ) Issues : o Incorrect payment history reported after bankruptcy. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : TransUnion, Equifax. 
8. XXXX XXXX Account XXXX Violation Statutes : FCRA 611 ( a ), FCRA 623 ( a ) ( 3 ) Issues : o Account should be marked as discharged but still appears open. 
Credit Bureaus Reporting : Experian, Equifax, TransUnion. 
9. XXXX XXXX Account XXXX Violation Statutes : FCRA 605 ( a ) ( 1 ), FCRA 611 ( a ) Issues : o Re-aged account post-bankruptcy with a new delinquency date. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : TransUnion, Equifax, Experian. 
10. XXXX Account XXXX Violation Statutes : FCRA 623 ( a ) ( 3 ) Issues : o Still reporting balance when it should be discharged.

Credit Bureaus Reporting : Experian, Equifax. 
11. XXXX  XXXX Account XXXX Violation Statutes : FCRA 605 ( a ) ( 5 ), FCRA 611 ( a ) Issues : o Incorrect status listed, not showing as discharged. 
Re-aging Dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year>. 
Credit Bureaus Reporting : Experian, Equifax, TransUnion. 
Requested Resolution : I am requesting that the CFPB ensures the credit reporting agencies : 1. Immediately correct the inaccurate reporting by updating the disputed accounts to reflect a balance of {$0.00} and marking them as " Discharged in Bankruptcy. '' 2. Cease the practice of re-aging accounts that were discharged in bankruptcy.

3. Remove all negative reporting related to these accounts that extends beyond the legally allowed reporting period.

4. Provide confirmation of the corrections within the legally required timeframe.

These violations are causing me financial harm and negatively affecting my creditworthiness. I expect swift action from the CFPB to hold the credit bureaus accountable for their failure to comply with the FCRA.

I have attached supporting documentation, including copies of my credit reports highlighting the errors, my bankruptcy discharge documents, and previous dispute correspondence.

Thank you for your attention to this matter. Please keep me informed of any updates regarding my complaint. I appreciate your prompt action in ensuring that my credit reports are corrected. 
Sincerely, 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