Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings, I am writing to request the removal of inaccurate and unfair information regarding child support from my credit report. As you may be aware, child support obligations are governed by family law and should not be included in credit reports. Furthermore, recent events and a multitude of laws support the notion that child support information should not be used to assess creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer information, including credit reporting. According to the FCRA, credit reporting agencies are obligated to ensure the ACCURACY and FAIRNESS of the information they include in consumer credit reports. Including child support obligations, which are not indicators of an individual 's creditworthiness, goes against the spirit of this law. 

Moreover, the CFPB, a federal agency tasked with protecting consumers in the financial marketplace, has emphasized that child support information should not be used in credit scoring models. They recognize that child support payments do not reflect an individual 's creditworthiness and should not be considered as a factor in determining credit eligibility. 

Recent events have further highlighted the need to safeguard individuals from unfair credit reporting practices. In the wake of the XXXX pandemic, many individuals have experienced financial hardships, including difficulties meeting child support obligations. Recognizing the extraordinary circumstances faced by parents during this time, several states have implemented temporary relief measures to suspend enforcement actions and modify child support payments. It would be unjust to penalize individuals for these temporary hardships by including child support information in credit reports. 

Furthermore, the XXXX settlement in XX/XX/2020 serves as a reminder of the importance of accurate credit reporting. The lawsuit alleged that credit reporting agencies failed to maintain accurate and complete credit reports for millions of consumers. This settlement reinforces the need for credit reporting agencies to exercise caution when including sensitive information such as child support obligations in credit reports. 

Considering these laws, regulatory guidance, and current events, I respectfully request that you remove any inaccurate and irrelevant information regarding child support from my credit report. Doing so would align with consumer protection principles, fairness, and industry best practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX would show how this is incomplete inaccurate and not being reported fair. Since it cant be use in credit scoring needs to be deleted

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 non-monetary relief