Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Escalated Complaint Against Experian for FCRA Violations To the Consumer Financial Protection Bureau, I am filing this complaint to escalate my ongoing dispute regarding Experians improper reporting of my NY Child Support Enforcement account ( Account Number : XXXX ). Experian has provided an incorrect and misleading response to my complaint, demonstrating that they are knowingly violating the Fair Credit Reporting Act ( FCRA ) by improperly re-aging this account. 

Key Issues : Experians False Justification for Re-Aging In response to my XXXX complaint, Experian falsely claimed that my child support obligation " renews monthly '' and that the date of first delinquency resets each month. 
This is legally incorrect and violates the FCRA. 
Under the FCRA, the seven-year reporting period begins from the original delinquency date, not from ongoing missed payments. My account should have been removed from my credit report in XXXX  yet Experian has extended it until XXXX years beyond the statute of limitations. 
Misclassification of Child Support as a Commercial Collection Account Child support is not a commercial debt and can not be treated as a standard collection account. 
I have a letter from the NY Child Support Enforcement Agency confirming that child support obligations are governed by judicial processes, not commercial credit laws Experians misrepresentation of child support as a collection account is misleading and causes serious financial harm. 
Failure to Conduct an Independent Investigation Experian did not and can not independently verify this account because it being a judicial matter that doesn't report to any credit reporting agencies, as required by the FCRA. Instead, they relied on the Attorney Generals Office, which does not operate as a traditional data furnisher under credit reporting laws.

Experians reporting process is invalid, and they have no legal basis to continue reporting this account in its current form. 
Harmful Impact on My Credit & Financial Opportunities Experians actions have significantly damaged my credit score and have resulted in : Denials for loans and credit approvals.

Higher interest rates on financial products.

An inaccurate representation of my financial history.

Supporting Evidence : I am attaching the following
documents : 1.Experians XXXX response, which contains false claims about FCRA reporting rules.

2.My credit reports from Experian, which show the improper re-aging of my account.

3.The official letter from the NY Child Support Enforcement Agency , proving that child support obligations are judicial and not subject to consumer credit reporting standards.

4.Letter from my states attorney general insisting to use her letter for new information.

5. Ftc complaint regarding the agent who handled the XXXX complaint I respectfully request that the CFPB : Investigate Experian for violating the FCRA by re-aging my account past the statute of limitations. 
Require Experian to immediately remove this account from my credit report. 
Hold Experian accountable for misrepresenting federal credit reporting laws. 
Experian is knowingly misleading consumers by misapplying credit reporting rules to child support obligations, violating federal law. I urge the CFPB to take regulatory action against Experian for these FCRA violations.

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