Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This is the 3rd time I've requested to have this information changed back to the way it was before all this nonsense started on XX/XX/XXXX. In XXXX of XXXX, I file for XXXX  XXXX Bankruptcy in the XXXX of California. The Bankruptcy was XXXX on XX/XX/XXXX. XXXX of my creditors listed on my Bankruptcy was XXXX Mortgage. When the Bankruptcy was XXXX on XX/XX/XXXX, all the credit reporting agencies, Experian, XXXX XXXX had my pay history with XXXX XXXX  being reported as " unknown '' or " no data. '' After a year had passed from when my bankruptcy was XXXX all of a sudden, I get an email from XXXX XXXX stating something had changed on my XXXX  Credit report. After careful review I noticed that XXXX XXXX  after a year and XXXX months had passed from my bankruptcy decided to report to XXXX  on XX/XX/XXXX, that I was XXXX, XXXX, and 90 days late back on XXXX, XXXX, and XXXX of XXXX. They went from reporting " unknown '' or " no data '' to showing late payments after a year and XXXX months had passed. This issue has dropped my credit score with XXXX  down XXXX points. 

On XX/XX/XXXX I filed a complaint with the CFPB and this was XXXX  's response, A summary of the results are listed below : Trade : XXXXXXXX XXXX XXXXXXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ). 

On XX/XX/XXXX I filed another complaint with CFPB, and this was XXXX 's response A summary of the results are listed below : Trade : XXXX XXXX  XXXX ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED CLOSED ; AND WILL REMAIN ON THE XXXX  CREDIT FILE XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY. PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ). 

On both these responses I was told by XXXX  that they DO NOT REPORT ANY LATE PAYMENTS ON A BANKRUPTCY ITEM. And yet on XX/XX/XXXX I received a copy of the apparent investigation by XXXX  and a copy of my XXXX  Credit Report, and it shows a XXXX, XXXX, and a XXXX late payment being reported by XXXX XXXX  XXXX And it was reported again by XXXX XXXX  to XXXX  on XX/XX/XXXX. Why is a debt that was XXXX on a Bankruptcy over a year and a half ago reporting late payments? 

I thought the CFPB was created to look out for and protect the consumer? You can clearly see I'm being targeted and punished by XXXX XXXX  because I filed for Bankruptcy and XXXX  isn't doing anything about even though they say in the above statements they don't report late payments on bankruptcy items. This is so corrupt on so many levels.

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