Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has reported inaccurate information regarding my child support account, including incorrect balances and payment details. Despite multiple disputes, Experian has failed to correct or remove the inaccuracies, and has not provided the required disclosures regarding my right to opt out of sharing this sensitive information with third parties. These actions have caused significant emotional and financial distress. 

Violations : Inaccurate Reporting of Child Support Account ( FCRA ) Violation : Experian has reported incorrect information, including inaccurate balances and payment details, violating 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' in consumer reports.

Failure to Conduct a Reasonable Investigation of Disputed Information ( FCRA ) Violation : Experian has failed to conduct a reasonable investigation in response to my disputes regarding inaccurate information, violating 15 U.S.C. 1681i ( a ) of the FCRA, which requires a timely and reasonable investigation when a consumer disputes information.

Failure to Provide Opt-Out Disclosure for Sharing Child Support Information ( GLBA ) Violation : Experian has failed to provide clear and conspicuous notice of my right to opt out of sharing sensitive child support information with non-affiliated third parties, violating 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ) and 16 CFR 313.7 and 313.10 ( Regulation P ), which mandates such disclosures for financial institutions.

Failure to Provide a Summary of Rights ( FCRA ) Violation : Under 15 U.S.C. 1681g ( c ) of the FCRA, when a consumer disputes information, the credit reporting agency must provide a summary of the consumer 's rights. Experian failed to provide this notice, which is another violation of the FCRA.

Failure to Notify You of Reinvestigation Results ( FCRA ) Violation : Under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, after conducting a reinvestigation, the credit reporting agency must notify the consumer of the results. Experian failed to notify me within the required time frame, resulting in a violation.

Failure to Correct Inaccuracies After Notice ( FCRA ) Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, after receiving notice of inaccuracies, Experian was obligated to correct them but failed to do so within the required time, further violating the FCRA.

Unlawful Reporting of Child Support Information ( FDCPA ) Violation : If Experian misreported my child support information in a deceptive, misleading, or harassing manner, they could be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from unfair debt collection practices and requires accurate reporting of debts. Specifically, under 15 U.S.C. 1692e and 15 U.S.C. 1692f, misrepresentation of information or deceptive practices regarding the nature or amount of a debt is prohibited.

Failure to Implement Reasonable Procedures to Ensure Maximum Accuracy ( FCRA ) Violation : Experian failed to follow reasonable procedures to ensure maximum possible accuracy in the reporting of my child support information, violating 15 U.S.C. 1681e ( b ) of the FCRA.

Failure to Update Your Credit Report Promptly ( FCRA ) Violation : Under 15 U.S.C. 1681c of the FCRA, consumer reporting agencies must ensure that information reported is timely and accurate. Experian failed to update my credit report promptly, which violates this provision.

Failure to Remove Negative Information After Dispute ( FCRA ) Violation : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA, once disputed information is found to be inaccurate, Experian is required to remove it from my report. They have failed to do so, violating this section of the FCRA. 

Michigan State Law Violations ( MCL ) Michigan Consumer Protection Act ( MCL 445.903 ) Violation : Under Michigan 's Consumer Protection Act ( MCL 445.903 ), businesses are prohibited from engaging in unfair, deceptive, or fraudulent practices. Experians failure to provide accurate and timely information and its improper handling of my dispute may constitute unfair or deceptive practices under this statute. 
Failure to Follow Reasonable Procedures ( MCL 445.2511 ) Violation : Michigan law requires consumer reporting agencies to follow reasonable procedures in reporting accurate information. Experians failure to follow such procedures when reporting my child support account may also constitute a violation of MCL 445.2511, which mirrors provisions of the FCRA at the state level.

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