Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Demand for Immediate Deletion of Improper Child Support Reporting ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of a child support account ( Account # XXXX ) currently listed on my credit report. According to records from the Office of the Attorney General, this account was fully paid off with a final balance of {$13000.00}, as of XX/XX/XXXX. The account was opened on XX/XX/XXXX and is now showing a XXXX balance and paid status. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), you are legally required to ensure maximum possible accuracy in all credit reporting, and to remove unverifiable or outdated information promptly. 

As established by federal courts, child support obligations do NOT originate from a consumer credit transaction, as confirmed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX ). These cases clarify that no private right to child support exists as a consumer debt, and thus it should not be treated as a typical credit tradeline. 

Furthermore, in XXXX v. Experian Information Solutions ( XXXXXXXX XXXX XXXXXXXX ), the court held that credit bureaus must conduct a reasonable and thorough investigation when a consumer provides explicit evidence that information is inaccurate or has been satisfied. Relying solely on automated or agency-supplied data, after being provided with contrary documentation, is a violation of your duties under FCRA 1681e ( b ) and 1681i.

Per 15 U.S.C. 1681s-2, you are required to verify this disputed debt by providing documentation containing my original, signed agreement or explicit written authorization for this credit reporting. Without such consent, you can not continue reporting this item. 

Because the account has been fully paid offand you can not provide evidence of any remaining delinquency, or a consumer credit transaction or contract bearing my signatureI demand this account be immediately deleted from my credit file. Continued reporting of this item in any derogatory manner constitutes a willful violation of the FCRA, exposing your organization to liability under 1681n and 1681o.

Additional Notice Regarding Permissible Purpose ( 15 U.S.C. 1681b / 605b ) : Furthermore, I dispute the reporting of this child support account on the grounds that there is no permissible purpose for its inclusion under the Fair Credit Reporting Act, as outlined in 15 U.S.C. 1681b ( Section 605b ). You are required to demonstrate that this reporting was conducted with my explicit written authorization or falls within a lawful purpose as defined by the FCRA. If you are unable to provide proof of permissible purpose, you must immediately delete this item from my credit report in accordance with federal law. 

While federal law allows you up to 30 days to investigate, given the clear and documented nature of this dispute, I expect immediate action and request written confirmation of removal within 4 business days. Failure to act promptly will result in an immediate complaint to the CFPB and additional legal remedies. 

Please provide written confirmation within 4 days of your receipt of this letter that this disputed child support entry has been permanently removed from my credit reports.

Company response to consumer: Closed with explanation