Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXXExperian, XXXX. Box XXXX, XXXX, TX XXXXYou are in violation of the following Fair Credit Reporting Act 15 USC 1681 et seq in regards to non removal of thefollowing items and including knowingly and willfully providing information concerning an individual from theagency 's files to a person not authorized to receive that information whom called my home to threaten me not tocontinue with the disputes on the following items, which in at least one case is completely fraudulent. 
Account Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Child SupportAccount Status : OpenMonthly Payment : Date Opened : XX/XX/XXXXAccount Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Child SupportAccount Status : OpenMonthly Payment : $ XXXXDate Opened : XX/XX/XXXX 605. Requirements relating to information contained inconsumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized undersubsection ( b ) of this section, no consumer reporting agency may makeany consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the BankruptcyAct that, from the date of entry of the order for relief or the date ofadjudication, as the case may be, antedate the report by more than 10years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from dateof entry, antedate the report by more than seven years or until thegoverning statute of limitations has expired, whichever is the longerperiod. 
( 3 ) Paid tax liens which, from date of payment, antedate the report bymore than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss whichantedate the report by more than seven years.XXXX ( 5 ) Any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.XXXX ( 6 ) The name, address, and telephone number of any medical informationfurnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted orreported using codes that do not identify, or provide informa-XXXX The reporting periods have been lengthened for certain adverse information pertaining to U.S. Governmentinsured or guaranteed student loans, or pertaining to national direct student loans. See sections 430A ( f ) and 463 ( c ) ( 3 ) of the Higher Education Act of XX/XX/XXXX, 20 U.S.C. 1080a ( f ) and 20 U.S.C. 1087cc ( c ) ( 3 ), respectively. 
605 - 15 U.S.C. 1681c23tion sufficient to infer, the specific provider or the nature ofsuch services, products, or devices to a person other than theconsumer ; or ( B ) the report is being provided to an insurance company for a purposerelating to engaging in the business of insurance other thanproperty and casualty insurance. 
( b ) Exempted cases. The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) of this section are not applicable in the case of any consumercredit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expectedto involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonablybe expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. 
( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6of subsection ( a ) shall begin, with respect to any delinquent accountthat is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to anysimilar action, upon the expiration of the 180-day period beginningon the date of the commencement of the delinquency which immediatel