Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint False, Misleading, and Legally Noncompliant Reporting by XXXXXXXX XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX Complaint Against : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Experian Information Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Nature of Complaint : This is a formal complaint concerning violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX XXXX, XXXX and the XXXX major credit reporting agencies : XXXX, Experian, and XXXX. 

The dispute centers on a tradeline reported by XXXX XXXX, XXXX stemming from civil court XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The case was dismissed without prejudice on XX/XX/XXXX, due to the Plaintiff 's failure to appear. No judgment was entered, and no finding of liability was made. 

Despite this, XXXX re-reported or refreshed the tradeline in XX/XX/XXXX prior to the dismissal in a way that misleads the public record and all three CRAs into treating the debt as active, valid, and recently delinquent. Each credit bureau continued publishing this inaccurate information despite no proof of a legal obligation, and despite the availability of public court data confirming the dismissal. 

Proof Submitted : Official, signed Order of Dismissal ( XX/XX/XXXX ) XXXX XXXX docket showing dismissal status for Case No. XXXX Violations Committed by Each Party : XXXXXXXX XXXX XXXXXXXX ( Furnisher ) FCRA 623 ( a ) ( 1 ) ( A ) : Reporting false and incomplete information to bureaus.

FCRA 623 ( a ) ( 5 ) : Improper re-aging via XX/XX/XXXX update. 
FCRA 611 ( a ) ( 5 ) : Can not verify tradeline with current, complete documents.

FDCPA 1692e ( 2 ) ( A ) : Misrepresented a dismissed debt as valid.

XXXX / Experian / XXXX  ( Credit Bureaus ) FCRA 611 ( a ) : Continued publishing tradeline after dispute, despite submitted public legal documentation.

FCRA 607 ( b ) : Failed to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) : Did not delete unverifiable item as required by law.

Each bureau failed in its duty to investigate and delete upon being presented with clear court dismissal. The tradeline remains uncorrected, misleading, and derogatory.

Consumer Harm : The actions of XXXX and the XXXX bureaus have caused reputational damage, credit denials, and unjustified risk elevation. Reporting a dismissed, non-adjudicated debt as active violates both the letter and spirit of the FCRA. No entity has verified a valid contract, XXXX, or judgment. Yet all three bureaus continue to display this tradeline. 
Requested Enforcement & Relief : Immediate and permanent deletion of the XXXX XXXX from XXXX, Experian, and XXXX. 
Written acknowledgment that no judgment was entered, and no further reporting may occur absent valid documentation.

Regulatory inquiry into XXXX  re-aging practices and the bureaus post-dispute failure to delete. 
Civil penalties or formal warnings issued to all XXXX entities for failure to comply with FCRA obligations. 
Conclusion : This is a coordinated violation between a data furnisher and XXXX credit reporting agencies, all of whom had access to legal documentation confirming the debt was not reduced to judgment. The tradeline is legally indefensible and must be removed immediately. 
Respectfully, XXXX XXXX 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