Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was not warned at all the child support was going to report a late payment of my account. Child support did not give me a chance to settle the debt or explain to them that this order is still going through objections so the balance could change. I tried to call them and I was told if a payment is behind 2 months or over {$1000.00} they will report it. Child support reported {$960.00} on my credit report this is not {$1000.00}, my order is still going threw objection that has to happen within 35 days of from a child support final order. So that means it ca n't be over 60 days late but they reported XXXX late. First of all they report {$610.00} to my XXXX and report as paid as agreed. But on my Experian account they reported {$960.00} late {$120.00}. How can they report the same account with a different amount to different credit reporting agency. XXXX pay as agreed and one late over 120 days making my credit report look bad. I tried to called child support to ask them why no one contact me first by phone or mail to let me know they was even going to report anything thing on my credit report to give me a chance to resovled this issue. Child Support just said the system does it on it own we can not control it write a letter to albany they said. Bascially thier is no one for me to talk you to resolved this matter. This is so unfair. The goal should be give the person a chance to pay his child support. Child support goal is to stop you from getting funding by trying to mess up your credit report so you ca n't get funding to get out of debt because they report way too soon not giving you a option of getting funding. Then they want to take your license if you do n't pay on time another way of stopping your funding and then they could put you in jail. Making Child support is by far the scariest agency out there. Child support all ready can freeze your bank account take your tax return and put you in jail. Why would they be trying to stop someone from getting funding by report to a credit reporting agency that may be the only way they can get out thier debt by getting a loan or new credit card. Atleast give the person a chance to settle in 30 days before you report it. They gave me no warning, and when I called no clear answer why they are reported my account differently. The machine did it they told me. This is stopping me from getting funding and am self employed this can take me out of business. Why would child support want to do that when I have XXXX kids to feed. I paying what child support ask me to pay on time. All child support cases will have arrears, because they push the order back to the filling date. The final order could take 6-9 month before it is a final order. Meaning that arrears will behind 6-9 month of back support. Most people do n't have {$3000.00} to {$10000.00} laying around they might need to take out a loan or credit card and child support is stopping that by reporting too soon. The real sad part of my suitation the same child I am paying child support for I get 50 % of the time leaving me with paying expenses for my son when he is with me and expense for my son when he is with the mother and I have another kid I get 50 % of the time you would think child support would give me a break. No they did not. They treated me like I am a dead beat dad and now I have Child support trying to stop me from getting funding. When I paid what I am suppose too. This is a nightmare about to happen. I will attached proof of XXXX different balance on my credit report that should be illegal, Objection the my child support order proving it still within 35 days. Child Support do not call you or give you a chance to settle by phone or mail this is a violation to someone rights to know something before they report it. This is my credit report not thiers.I want them to remove this debt account from my credit report, I paid as what child support agreed and more to make up arrears

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation