Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint and Intent to Sue XXXX, Experian, and XXXX for Unlawful Reporting of Child Support To : Consumer Financial Protection Bureau ( CFPB ) Complainant : XXXX XXXX XXXX Against : Experian Issue : I am submitting this formal complaint against XXXX, Experian, and XXXX for unlawfully reporting child support on my credit report without proper validation, violating multiple federal laws, including : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 2. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Despite multiple disputes, these credit bureaus have failed to validate the debt and continue to report this information, which is not tied to a credit transaction and thus lacks a permissible purpose under the FCRA.

Violations : 1. Unlawful Reporting Without a Permissible Purpose ( FCRA 1681b ) Based on XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, child support does not arise from a credit transaction, meaning it can not be reported without : A court order, Written consent, or A contractual agreement rising to a credit transaction ( which I do not have ). 
None of these requirements have been met, making the reporting unlawful. 
XXXX. Failure to Validate Debt ( FCRA 1681s-2 ( b ) ) The Department of Revenue has not provided proper verification, yet the credit bureaus continue to report.

3. Failure to Reinvestigate ( FCRA 1681i ) The bureaus have ignored my disputes and failed to conduct a reasonable investigation.

4. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Child support is not a debt under traditional financial law, and reporting it without my consent constitutes a privacy violation.

5. Fair Debt Collection Practices Act ( FDCPA 1692g ) If child support is treated as a debt, it must be validated upon request. This has not been done. 

Intent to Sue If this matter is not resolved within 15 days, I will initiate legal action against XXXX, Experian, and XXXX for : Willful violations of the FCRA ( allowing up to {$1000.00} per violation, plus damages ) ; Negligent noncompliance resulting in harm to my credit profile and financial standing ; Unlawful debt collection practices under the FDCPA ; Injunctive relief to prevent further reporting of this invalid information. 
Relief Sought : Immediate deletion of the unverified child support account from my credit reports.

Written confirmation that it will not be reinserted without proper documentation. 
Compensation for damages caused by false reporting, including financial harm and emotional distress. 

I demand that CFPB investigate this matter immediately and hold these agencies accountable for their unlawful reporting. 

Attachments : Dispute letters Credit reports CFPB guidance on permissible purposes XXXX  XXXX Notice confirming child support XXXX not be reported without legal authority Sincerely, 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