Paid Off, Still Reported? A Reddit Guide to a New FCRA Case

Infographic titled 'Paid It Off. Still Reported.' showing a $1,040.15 payment in full, $15.73 in fees reported as negative, three FCRA claims found plausible, and $1,592 and $715 accounts shown as charged off.

A consumer says he paid his credit card in full, then $15.73 in fees appeared and negative reporting stayed. A federal magistrate judge in Delaware has recommended that his FCRA claims be allowed to proceed. Here’s what that does, and doesn’t, mean.