Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) is furnishing inaccurate, incomplete, and contradictory information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609, 611, and 623. The agency is reporting incorrect delinquency levels, missing payment history, contradictory account status fields, an unverified arrears balance, and a false monthly payment amount. The agency has failed to provide any verification after multiple requests. 

DETAILED DESCRIPTION OF THE PROBLEM I have a child support account reported by XXXX XXXX XXXX XXXX under account number XXXX. The information currently appearing on my credit report is not accurate, not consistent, and not verifiable, and it directly conflicts with the more detailed reporting provided earlier by the same agency. 

The following major discrepancies exist : 1. Incorrect Delinquency Reporting The report shows 180 days past due for XX/XX/XXXX, but my detailed payment history from the same agency only includes 30-, 60-, 90-, and 120-day delinquency codes. Nowhere in the official record do they report 180 days. 
This is false and misleading data, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ).

2. Contradictory Account Status The agency is simultaneously reporting : Paid off Balance : {$49000.00} Past due : {$49000.00} Account status : Open A child support account can not be both paid off and {$49000.00} past due and still be listed as open. This is contradictory, inaccurate, and misleading to lenders. 

3. Incorrect Monthly Payment Reporting The credit report lists $ 0 monthly payment, which is impossible for a child support order. This is incomplete and misleading information, violating FCRA 623 ( a ) ( 1 ) ( A ).

4. Missing and Incomplete Payment History Entire months are listed as ( data unavailable ), even though child support reporting requires continuous monthly reporting. This violates FCRA obligation to ensure complete information. 

5. Incorrect Last Payment Date The report lists XX/XX/XXXX as the last payment. 
However, three subsequent months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) are marked OK on my detailed agency reporting. 
These two can not both be correct, proving ledger and reporting errors.

6. No Original Balance, No Ledger, No Audit Child support obligations require reporting : original obligation amount arrears calculation payment ledger interest computation The agency reported no original balance and has not provided any underlying documentation to support the {$49000.00} figure despite multiple requests for verification. This violates FCRA 609 and 611.

7. Agency Failed to Provide Verification Despite my dispute and request for : a full child support ledger arrears breakdown payment audit documentation supporting delinquency levels the agency failed to provide ANY verification, violating FCRA 609 and 611.

8. Furnishing Conflicting Data to Different Credit Bureaus The detailed 81-month history I obtained earlier contradicts the simplified tradeline now reporting. This suggests the agency is furnishing inconsistent data across bureaus, which is a clear violation of Metro-2 guidelines and FCRA accuracy requirements.

CONSUMER IMPACT These inaccuracies : artificially inflate my delinquency misrepresent my payment history damage my credit score interfere with housing and employment opportunities present a false arrears picture WHAT I AM REQUESTING I am requesting : A full investigation under FCRA 611 A co
mplete child support payment ledger A complete arrears audit with calculations Correction or deletion of : the 180-day delinquency incorrect past due amounts contradictory status fields false XXXX XXXX monthly payment missing months Written confirmation from XXXX XXXX XXXX

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