Consumer complaint received 2025-05-14 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:
I am filing a new complaint regarding the continued reporting of a false $ XXXX collection account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX 



The only evidence used to justify this tradeline is a court document ( Form XXXX, dated XX/XX/XXXX ) from an unlawful detainer ( eviction ) case. However, that judgment does not include any enforceable money judgment, and there is no XXXX form or XXXX enforcement entry in the court record. 



In fact, the court only awarded possession of the unitnot monetary damages. Despite this, XXXX XXXX has repeatedly passed this document off as a verified monetary judgment, and the credit bureaus have accepted it. 


Additionally : XXXX XXXX was not the attorney of record when the judgment was entered The original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) has refused to verify the debt through the CFPB system and was referred to the FTC on XX/XX/XXXX ( see Complaint ID : XXXX ) TransUnion has reinserted the collection item without notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) This is a coordinated FCRA violation under 623 and 611. None of these parties can legally verify or collect this debt, and continued reporting is materially false, harmful, and negligent. 


-- - Regarding UD-110 Document : The only document that has ever been referenced to justify this tradeline is a California Form UD-110, which is the standard judgment form for unlawful detainer ( eviction ) cases. Although this form lists a dollar amount, it does not constitute an enforceable money judgment. There is no MC-012 ( Memorandum of Costs After Judgment ) filed, no E130 enforcement entry in the court docket, and no supporting documentation authorizing collection. In California, a monetary award in an eviction case is not collectible unless the landlord files the required post-judgment paperworkwhich has not occurred in this case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not the attorney of record at the time the judgment was entered, and they have misrepresented this UD-110 form as a collectible civil judgment in order to furnish a tradeline and pressure the credit bureaus. This is a deliberate misuse of a civil court form and a violation of the Fair Credit Reporting Act. Most alarming is the fact that the original creditor, XXXX XXXX XXXX XXXX, has refused to validate the debt and was recently referred to the Federal Trade Commission by the CFPB due to their non-responsiveness ( Complaint ID : XXXX ). 

The continued use of this unverifiable and legally misrepresented document across multiple credit bureaus is damaging, misleading, and unlawful. I am requesting permanent deletion and enforcement action to prevent continued abuse of eviction court documents to manufacture uncollectible debt.

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