Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
This complaint is directed at both Experian Information Solutions XXXX and TransUnion XXXX for reporting false, materially misleading, and noncompliant credit information in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 standards. 

I was sued by XXXX XXXX XXXX XXXX XXXX through XXXXXXXX XXXX XXXX XXXX in case number XXXX. I retained Attorney XXXX XXXX XXXX, who issued full payment in the amount of {$24000.00} to resolve the alleged debt before judgment. The case was to be dismissed with prejudice following payment, and XXXX received written notice from counsel requesting prompt and accurate credit reporting updates. 

Despite this, both Experian and TransUnion are continuing to report a {$450.00} balance as owed under the XXXX tradeline. This balance is false, unsupported, and constitutes a willful misrepresentation of a resolved debt. The tradeline suggests that I remain delinquent or partially liabledespite legal documentation to the contrary. 

A copy of my attorneys letter is attached. It clearly instructs XXXX to report the account as settled in full, and cites the relevant FCRA provisions. The letter also confirms that I never regained current status after the initial delinquency, triggering a maximum reporting deadline of XX/XX/year>, under both federal and XXXX XXXX 

Legal Violations : FCRA XXXX ( b ) : XXXX failed to update or delete the tradeline after full payment and notice. Experian and TransUnion are republishing knowingly false data. 
FCRA XXXX1e ( b ) : Both CRAs failed their non-delegable duty to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( B ) : The furnishers and CRAs are reporting data they know or should know is inaccurate.

FDCPA 807 ( 2 ) ( A ) : The amount and legal status of the debt are being falsely portrayed. 
Metro 2 Violations : The tradeline is misclassified, improperly coded, and fails to reflect legal resolution. 

Additional Evidence of Inaccuracy : XXXX correctly reports the balance as {$0.00}, confirming the inconsistency across bureaus. 
XXXX was provided formal instruction to reflect the correct status and comply with the FCRA, which they failed to execute. 
Experian and TransUnion continue to report this as unpaid, which is both inaccurate and harmful. 

Real Harm and Distress I am the sole credit applicant in my household. My wife is a XXXX XXXXXXXX XXXX XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX XXXX Due to this false reporting : I am denied access to affordable credit I receive no prequalified credit card offers I am unable to finance a vehicle at reasonable interest rates I am suffering ongoing reputational and financial harm, despite having paid my debt in full through legal channels This Is Not a Correction Request This is a demand for complete deletion of the XXXX XXXX from Experian and TransUnion, not a correction or balance update. 

As explicitly stated by my counsel in the attached letter, the debt was disputed and settled in full. If the furnishers and CRAs can not report this account with full factual and legal accuracyincluding payment in full before judgmentthey must delete the tradeline in full under : FCRA 1681s-2 ( b ), 1681e ( b ), 623 ( a ) ( 1 ) ( B ) FDCPA 807 ( 2 ) ( A ) FCRA 605 ( a ) ( 4 ) I reserve all rights under FCRA 1681n and 1681o to pursue statutory damages for continued noncompliance.

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