Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Child Support obligation was terminated by court order on XX/XX/XXXX. The Texas Child Support Office continued to file delinquent and late payment information on my credit report for several months after the order was issued by the judge. I sent emails and spoke with several different people, on numerous occasions, trying to get it cleared up but they continued to report inaccurate information against my credit. The Texas Child Support office XXXX XXXX admitted they had the court order, verified that it said I no longer owed child support, said it would eventually be updated in their system once processed and would stop the monthly negative reporting against my credit, but said they were behind getting it processed and updated and by default they would continue to report on my credit until the department responsible for making the change in the system did so. I asked what about removing the information being reported from XX/XX/XXXX until the change was updated, and they said I would have to dispute it with the credit bureaus. After that, they sent a letter to my employer, stating I owed back child support, which they knew was completely false, and threatened to take action against my employer if they did not withhold money from my paycheck. After my employer spoke with the XXXX XXXX child support office and I had shown show him the judges court order and my payment history, my employer was understanding and was amazed at the level of what he perceived as harassment when on the phone with the XXXX XXXX office. I disputed the information with the credit bureaus but after 30 days they said the the Texas Child Support office replied to them stating the reporting was accurate and would not make changes to the credit report. I was surprised by this and after a virtual chat with the Texas Child support office on XX/XX/XXXX, the person on the chat stated that " The ( XXXX XXXX ) office has denied the request. I can request to see if someone will contact you about it. '' I called the XXXX XXXX office after the chat and the woman said the reporting showing late and/or non payment should have been removed and they sent letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX stating such, she didn't know why the credit bureaus said they were not making the adjustments. I spoke with representatives from XXXX and Experian and both said the Texas Child Support office said the original reporting was correct and they would not adjust the report. I was instructed by both agent to dispute or appeal the dispute. Bottom line, I was not late nor did I miss any payments, I have all of my payment receipts and no payments were late or missed. I have not made a single late payment or missed a payment since first ordered to pay child support over 8 years ago. I have, however, had information improperly reported several times by the Texas Child support office over the last 8 years, and though always a pain and difficult to get corrected, never has it been this difficult and taken so long. Also, the Texas Child  Support office owes me a credit for over payment, which I have not yet received. As of today, XX/XX/XXXX, the woman in the XXXX XXXX office said the credit should be issued within 60 days. This needs to come off my credit as it has negatively impacted my ability to refinance my house and my current credit obligations. The orders said I was not in arrears and child support was terminated on XX/XX/XXXX. Please remove the late and/or non payment reported on my credit. I have attached copies of court orders, and payment history for months in dispute.

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