Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with all 3 credit bureaus ( XXXX, XXXX, EX ) on more than one occasion in regards to multiple inaccuracies and FCRA violations with a XXXX child support account. The account was opened in XXXX of XXXX with payments not to begin until XX/XX/XXXX per court order. From XX/XX/XXXX through XX/XX/XXXX my paycheck was deducted for the amount ordered by the courts. I fell behind after moving and having to leave my job. I filed for unemployment in XXXX of XXXX due to XXXX and not able to start new job. I was approved for XXXX and in XX/XX/XXXX received 50 % of back XXXX as the other 50 % was garnished to go to child support /arrears. From XX/XX/XXXX until XX/XX/XXXX I received 50 % of any XXXX  or additional amounts ( the {$600.00} and {$300.00} additional payments ). The other 50 % for 18 months was sent to XXXX  child support unit. 100 % of all tax stimulus I was eligible to receive was garnished and sent to XXXX  child support as well. As of XX/XX/XXXX XXXX child turned XXXX XXXX XXXX and was no longer part of child support order. She is still being included in monthly accrual and arrears. 
I have disputed the following with all 3 bureaus : 1. CRA : Payment history : all 3 CRA have different hx. XXXX  -no hx, XXXX - 120 days late with no data XX/XX/XXXX - XX/XX/XXXX then late payments from XXXX present. Reports XXXX latest! 
EX- has no data hx EXCEPT every month Creditor reports placed for collection. 

ME : I have provided unemployment documentation showing garnishment, paycheck garnishment to show correct hx. Disputed that NOWHERE on any report is any payment noted. Every month reports increased balance accrual and {$0.00} paid for that month..Thousands of dollars was paid from XXXX and there's no documentation on my reports. Comes back " verified '' 2. There are 3 different " date last active ''. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 CRA is letting this account to be reaged especially with XXXX. Every month of reporting the date of first deliquency changes to that month. So in XX/XX/XXXX XXXX reported account in collection as updated status and XXXX  XX/XX/XXXX. In XXXX reported account in collection for updated status with XXXX XX/XX/XXXX. My original removal date for time on report was XXXX and now it shows XXXX. Both CRA and creditor are violating my FCRA rights and what is happening is illegal and can be sued for. I have disputed the " reaging '' and updated status every month and comes back " verified ''. My credit score keeps in the XXXX range because EVERY month I have a " new derogatory status ''. I have been denied auto loans, credit cards, preapproval mortgages just for this inaccurate, illegal, reporting!! 
Incorrect payment hx, balance, status, " reaging of debt '' has been detrimental to my credit report. With all 3 CRA having completely different, inaccurate, and illegal information, I'm insisting on immediate deletion from all 3 bureaus with letters stating account removal related to errors in reporting factual, accurate and legal data that led to derogatory and low scores causing denials to any inquiries within the past year regarding my credit report.

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