Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Through my divorce in Circuit Court, I paid my legal obligation of an account jointly owned with my ex-husband. After I paid my portion as stipulated by the Circuit Court, my ex-husband elected to default on his legal obligations and pay nothing. I filed a suit with the Circuit Court to hold him in contempt. The creditor, XXXX XXXX, filed a civil suit in General District Court against both, me and my ex-husband for non-payment in XX/XX/XXXX. My lawyer informed the judge of the District Court of the pending case in Circuit Court and continued the case to XX/XX/XXXX. My case in Circuit Court was held in XX/XX/XXXX, and I agreed to bring the XXXX XXXX loan current to close the District Court case, and pursue this debt against my ex-husband solely through Circuit Court. I did as promised and brought the account current on XX/XX/XXXX with a payment over {$1300.00} and have continued to make the monthly payments. My lawyer, XXXX XXXX and the General District Court, told me I did not need to come to the court hearing in late XX/XX/XXXX, since I brought the account current and it was no longer delinquent. I should also note, while my ex-husband refused to communicate with XXXX XXXX, I stayed in contact to keep them informed and apprised of my progress through the separate case in the Circuit Court. 
While I understand most creditors don't care and just want to be paid regardless of who is responsible, I wasn't evading this creditor or communicated false information. As I was told I didn't need to go the XX/XX/XXXX court case, XXXX XXXX went to the hearing and was told me they would notify the judge the account was made current. 
I received a court notice in XX/XX/XXXX stating this case had been continued to XX/XX/XXXX! 
I called XXXX and asked why there was another court date, when the last time we spoke, I made the account current. They said they asked the judge to extend the case to XX/XX/XXXX in case I stopped making the payments. For me this was deceiving of XXXX, but I wasn't concerned because I know the payments would be made. I noticed in XX/XX/XXXX my credit score was not improving and pulled my credit reports. All 3 credit bureaus stated this account was closed, in collection, failure to pay and other false information. I called XXXX XXXX and they stated they didn't have to report this information accurately until after the XX/XX/XXXX court case. This is against the FCRA regulations. They must report " ACCURATE '' information and are not permitted to intentionally report false data or withhold accurate data to damage a consumer. I filed a dispute with the credit bureaus in XX/XX/XXXX, and XXXX responded with an updated balance, but refused to report the account was current since XX/XX/XXXX It is now 4 months past and this account is showing 5 months late, needlessly damaging my credit and FICO scores and preventing me from getting approvals for basic anything. I've submitted disputes again to all 3 credit bureau 's, but wanted to send this complaint as well, since they refused to report the facts in XX/XX/XXXX, I'm less than confident they will respond any differently in XX/XX/XXXX. I've attached proof of payments, the loan documents, the previous XX/XX/XXXX dispute, and my XX/XX/XXXX credit reports from all 3 credit reporting agencies, XXXX, Experian, and 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