Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Started : XX/XX/XXXX Ongoing Ref : Federal Trade Commission Letter dated XX/XX/XXXX We have reviewed your letter and based on the information you provided, we are referring your letter to the Consumer Fin. Pro. Bureau ( CFPB ). 
No response as of yet. 
DCS..Division of Child Support XXXX Washington under the eOscar system..a failed system designed and ran by the credit agencies. 
A congressional report in XXXX  found that e-OSCAR reports used the same four dispute codes over 90 % of the time, calling into question the value of the 29 codes. That same report found that, through the e-OSCAR system, credit reporting bureaus never actually investigate disputes, instead choosing to simply repeat a consumers complaints to data furnishers. 
Starting in XXXX, after serving honorably in the XXXX I divorced my wife. After lying in court, both children were given to mother, no visitation, no child support ordered, children 's last names were changed. 
In XXXX XXXX, I was contacted by DCS in a letter stating the states mistake in the case, child support had been ordered, and I owed XXXX $ ers. 
They also explained how they couldn't get a hold of me in XXXX. Unfort. for them, I had another child I was paying on since XXXX. More lies from a govt. agency. 
Honorable as I am, I agree to pay each month and did so until XX/XX/XXXX when investigators found out why I couldn't get credit since XXXX. 
DCS along with the credit agencies were reporting under the eOscar system that my back child support was my payment per month. They were reporting I was paying XXXX per month for child support. 
In XX/XX/XXXX, I went before a judge to reduce my payment to {$100.00} and was granted in one case. In XX/XX/XXXX, they were still reporting the balance as my payment per month going against a judge 's order. 
My debt to income ratio was -1500 %. 
This is the main reason why my life has been on hold. For 10 years I have been trying to buy a house and can't under VA rules. 
In XXXX, I sent a validation letter to DCS asking to validate what you are reporting to the credit agencies. They said they credit agencies don't give us a block to report the monthly amount. A total lie. All my other accounts are reported correctly. 
In XXXX I sent a Cease and Desist Letter, twice, to all agencies to stop reporting until these accounts are fixed. 
I filed a TORT lawsuit for XXXX  Million dollars to laughing ears.

I'm going to file a XXXX  Million dollar lawsuit soon against the credit agences. 
I have reported both accounts on my credit over 100 times not counting phone calls. 
In XXXX of XXXX, DCS closed both cases.??? How can that be??? 
On my credit report now it shows closed as a internal collection account???? 
WHAT?????? 
You can ' t make this stuff up. 
A federal agency can't act like this and if they are, others all across the country who are using this same program are damaging the so called dead beat dads and moms ... actually their creating them ... as in my case. 
My enforcement officer, the 4th one, now says both accounts are open. I told her I have proof their not. She then says email me the facts. So I took a photo of my credit report and sent it. She says that info isn't real and it looks like a photo of a credit report. 
????? No kidding, because it is. 
The eOscar system in corrupt and I have proof. 
These govt agencies need to be held accountable for what they have done to me and my family ... period. 
Experian is the main credit agency I've been in contact with. 
DCS accounts # XXXX # XXXX I have photos and documents sent on this case since XXXX. 
Plz share with all govt agencies who have the ability to change it. 
Veterans are treated ugly and its shameful ... especially a XXXX 100 % one.

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