Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
Subject : Urgent Action Required Regarding Inaccurate Reporting of Child Support by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to express my profound frustration and grave concern regarding the inaccurate reporting of child support obligations by XXXX, XXXX, and Experian, which has negatively impacted my consumer report. This situation is not only damaging to my credit score and financial future but is also a clear violation of federal law. I demand immediate and aggressive intervention from your office to rectify this matter. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., delineates stringent requirements for accuracy and fairness in credit reporting. Specifically, I would like to draw your attention to 15 U.S.C. 1681i, which mandates that credit reporting agencies ensure the accuracy of the information they provide. The reporting of my child support obligations is egregiously inaccurate, and I have made multiple attempts to dispute these mistakes directly with the agencies involved. However, my disputes have either been ignored or inadequately addressed, which constitutes a gross violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681s-2 clearly outlines the responsibilities of furnishers of information to ensure the accuracy of the data they report. The agencies in questionXXXX, XXXX, and Experianare failing to adhere to their duties by allowing misleading information about my child support payments to remain on my credit report. This negligence not only misrepresents my financial obligations but also exposes me to significant economic harm. 

Moreover, I believe this matter may also violate 18 U.S.C. 1028A, which addresses identity theft and the use of false identification. If erroneous representations are being made regarding my child support payments, it raises serious implications about the integrity of the information being used to evaluate my creditworthiness. Such misleading information can easily be construed as an attempt to defraud, whether intentional or not, and I will not tolerate this type of misconduct. 

I demand that the CFPB take a proactive stance in this matter by initiating a thorough investigation into the practices of XXXX, XXXX, and Experian regarding the reporting of child support obligations. It is imperative that these agencies be held accountable for the harm they are causing to consumers, particularly regarding the unlawful and inaccurate reporting practices they have displayed in my case. 

I expect a prompt acknowledgment of this letter and a detailed plan of action to address these concerns. My full cooperation will be provided, but I will not hesitate to escalate this matter legally if necessary. I urge you to prioritize my request and ensure that my rights as a consumer are respected and restored without further delay. 

Thank you for your immediate attention to this serious issue. I look forward to your swift response. 
XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX Experian Account # XXXX XXXX High Balance {$0.00} {$0.00} Last Verified XX/XX/XXXX -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$44000.00} {$44000.00} Closed Date -- -- Account Rating Open Open Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type City/County City/County Account Status Open Open Payment Status Late 120 Days Late 90 Days Creditor Remarks -- -- Original Creditor -- -- Payment Amount {$0.00} {$480.00} Last Payment XX/XX/XXXX XX/XX/XXXX Term Length -- 1 Month ( s ) Past Due Amount {$44000.00} {$44000.00} Account Type Child support Family support Payment Frequency Credit Limit {$0.00} {$0.00}

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