Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, originally submitted a false report to the credit bureaus claiming that my wife and I owed a debt that we never owed. Contrary to the laws of the United States, their employee XXXX XXXX filed a false amount owed on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they were claiming. We provided them the information and evidence that they are in error, but were for several months in failure to correct their false report, which should never have been filed since litigation was pending when they filed the false report. 
For further context, an original dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, my wife and I immediately satisfied the judgment, on the judgment in XXXX XXXX ( the same day a judgment was entered ). However, the debt collector hired by the property/landlord illegally reported a false amount owed prior to the court 's judgment, and continued to report a late status even after the judgment was paid ; therefore, my credit report shows a false status of late payments when this was never the case. 
Experian currently continues to have this false information on my credit report. Previously this same information appeared on my wife 's credit report, but has since been removed since she also submitted a compliant through CFPB and with the same notice of satisfaction I am submitting with this compliant. I would like all the credit reporting bureaus to remove this false and illegal information that XXXX XXXX XXXX originally placed on our reports. 
The debt collector that placed this false information, XXXX XXXX. has been in violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, at first refused to correct the amount, but eventually indicated that no debt is actually owed. Now the illegal and incorrect information that remains on my credit report is the false information that I was ever late ( as early as XXXX XXXX, when litigation was still pending ). Since we never owed the amount reported by the debt collector, and we were never late, such a report should never have been reported in the first place, and is an illegal report, for which we are prepared to take legal action against XXXX and all other necessary parties. 
As this false debt collection account was removed from my wife 's credit report by the credit reporting bureau, I have yet to understand why it has not yet been removed from my credit report as well, since we submitted the same complaint and evidence to show there was erroneous information. We are prepared to take all legal actions to ensure this false information is removed from my account finally, since we provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. 
The attached notice of satisfaction on the same date that judgment was entered is all the proof needed to show that FMS ' original report was false, in terms of the amount it claimed we owed, and in terms of the " late status '' it claimed through XX/XX/XXXX. This account should be completely removed from my credit report immediately.

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