Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Child Support Information on Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information regarding my child support account reported on my credit report. Below are the details of the disputed account : **Account Information : ** | | XXXX | Experian | XXXX XXXX | -- -| -- -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -| | **Account # : ** | XXXX | XXXX | | | **Account Type : ** | Installment | Installment | | | **Account Type - Detail : ** | Child support | Family support | | | XXXX XXXX : ** | Individual | Individual | | | **Account Status : ** | Open | Open | | | **Monthly Payment : ** | {$0.00} | {$280.00} | | | **Date Opened : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Balance : ** | {$280.00} | {$280.00} | | | **No. of Months ( terms ) : ** | 0 | 1 | | | **High Credit : ** | {$0.00} | {$0.00} | | | XXXX Limit : ** | {$0.00} | {$0.00} | | | **Past Due : ** | {$0.00} | {$0.00} | | | **Payment Status : ** | Current | Current | | | **Last Reported : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Comments : ** | Current account/was a collection account, insurance claim or government claim or terminated for default. | | | | **Date Last Active : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Date of Last Payment : ** | XX/XX/XXXX | XX/XX/XXXX | | **Reason for Dispute : ** I believe the information reported on my credit report is incorrect due to the following reasons : 1. The reported monthly payment and balance amount do not match my records.

2. The payment history and account status details are inaccurate.

3. The account was not a collection account, insurance claim, or government claim and was not terminated for default. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA mandates that credit reporting agencies must correct or remove inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. As stated in Section 611 of the FCRA : - **Section 611 ( a ) ( 1 ) ( A ) ** : If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file. 
- **Section 611 ( a ) ( 5 ) ( A ) ** : Information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly from the file of the consumer and can not be reinserted into the file unless verified as accurate. 

I have attached supporting documents, including copies of my payment receipts and statements from the child support agency, to substantiate my claim. 

**Requested Action : ** Please investigate the discrepancy and correct the inaccurate information on my credit report. I request a written confirmation that the errors have been rectified and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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