The dispute is over a Subaru tradeline. I voluntarily surrendered a vehicle, but Subaru reports as a c/o and repo, with no reflection of the court case (Subaru vs. kickman) or the settlement. Efx and TU have deleted the TL, but Exp. is holding firm. There's a possiblity of rewording the status and calling it a surrender instead of a repo. But their rep says that they cannot include settlement unless there's a zero balance. I showed them a notice of settlement filed with the court. They still refuse to report it; they'll only report the current balance (which, thus far, they never properly reported.) This leads me to conclude that Experian has more of an interest in characterizing the debt than just objectively reporting it. If it's settled, why should they care what the terms are, especially if the OC doesn't report it anyway. I'm going to get back to them today with my proposals, including $$. Any thoughts, ideas or opinions are greatly appreciated. Thanks guys.