Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for continuing to report inaccurate and misleading information on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). 

The issue concerns a XXXX collection account that was paid in settlement and carries a {$0.00} balance. Despite my formal disputes, Experian continues to publish this tradeline as an active collection, which is false and misleading. 

In contrast, TransUnion has already found this same account unverifiable and permanently deleted it from my credit report. Proof of this deletion will be attached. 

Background I have disputed this XXXX collection account twice with Experian, each time identifying the same inaccuracies. Experians response has consistently been verified and updated, yet no corrections have been made. 

The account currently displays : Status : Paid in settlement. 

Balance : {$0.00}. 
Status Code : C Collection.

Comment : Account paid in full for less than full balance. Completed investigation of FCRA dispute consumer disagrees.

This status is contradictory a paid/settled account can not simultaneously be coded as a collection under FCRA or Metro 2 standards.

Violations FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Experians reporting is factually inaccurate and misleading.

The collection designation implies an unpaid debt, which contradicts the {$0.00} balance and settled status.

FCRA 1681i ( a ) Failure to Conduct Reasonable Reinvestigation Experian has verified the same inaccurate data twice, despite clear contradictions.

Cushman v. TransUnion ( 115 F.3d 220, 3d Cir. 1997 ) established that simply parroting a furnishers data does not constitute a reasonable investigation.

FCRA 611 ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable Information TransUnion already determined that the same XXXX  tradeline was unverifiable and deleted it.

Experians refusal to do the same violates 611 ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information.

Metro 2 Reporting Noncompliance Field 17 ( Account Status ) : Should reflect 62 Paid Collection or 93 Closed/Settled, not an active collection code.

Field 22 ( Payment Rating ) : Should not carry collection notation with {$0.00} balance.

The current configuration misleads creditors and violates Metro 2 guidelines.

Harm Experians ongoing inaccurate reporting makes it appear as though I still owe a delinquent debt, despite the account being paid and closed. This has lowered my credit score, damaged my credit reputation, and caused denials of favorable credit terms.

Requested Resolution I request that Experian : Immediately delete the XXXX collection account from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ), since it can not be verified with maximum possible accuracy.

Provide documentation of any verification materials received from XXXX used in Experians reinvestigations. 

Ensure compliance with FCRA accuracy and reinvestigation obligations to prevent recurrence.

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