Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing that Equifax should not allow State of Washington Child Support XXXX on my credit report to report anything because I am on SSI. That SSI is my only income and they can not perform this legal act. I applied for SSI XXXX XXXX so this applies since XXXX XXXX. I was approved XXXX XXXX. I also noticed they have reported numerous times in XXXX, when they are to if it was a legal act report only a few times a year. This is to prove they are in control and a malicious act. Well now I am in control and this fraud will stop. 

I have an email from XXXX XXXX whom is head of XXXX, Wa Federal Office of Child Support whom agrees with me and the law that Division of Child Support should not be reporting to ones credit report that only income is SSI. My only income is SSI. There act is illegal and has been. My credit score has been affected by this and needs to be reflected in the change. As well, not once did I receive notice since XXXX that Division of Child Support was going to be reporting to the credit bureau 's. Per Federal Law safeguards are mandatory and my due process was denied. This fraud child support tradeline in its entirety needs to be deleted from my credit report and score reflected. Please feel free to contact XXXX XXXX for confirmation. 






XXXX XXXX XXXX ( 2 days ago ) to XXXX Thank you, but my question is regarding permanent XXXX. SSI is not counted as income. 


What is your thought on this Federal Law? Reporting to the credit bureau is a legal process right? 

" " The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ) ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. In addition, section 459 of the Act ( 42 U.S.C. 659 ), which overrides section 207 of the Act, provides that only benefits which are based upon remuneration for employment are subject to legal process for child support enforcement. " XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ( 9 hours ago ) to me I can indeed confirm to you that SSI benefits can not be garnished or intercepted. A taking of your SSI dollars by a collection intercept, either directly from the Social Security Administration or via a bank account garnishment after they 've been deposited into your account is something we have clearly instructed state child support agencies they can not do. 
I do interpret this provision to mean that Washington State is forbidden from reporting an outstanding child support debt to a credit bureau if someone is receiving SSI XXXX benefits. 
XXXX XXXX Here is his contact information. Contacting Division of Child Support XXXX, WA will do you no good. They lie. 
Look down the list and you will find XXXX XXXX contact. He is in charge of DCS XXXX, Wa. Above all of them. 

http : XXXX

Company response to consumer: Closed with explanation