Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Reporting and Request for Detailed Review Dear Experian, I am writing to formally dispute the continued reporting of a child support obligation on my credit report. Despite providing court-validated documentation showing that this obligation was terminated, the inaccurate information remains on my report. 

Details of the Dispute : Account Name and Account Number : Child Support Nebraska # XXXX CFPB Complaints Reference # : XXXX, XXXX, Termination Date : XX/XX/year> Court Order : Attached is the official court order confirming the termination of this child support obligation. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this obligation, despite its termination, is a violation of several provisions of the Fair Credit Reporting Act ( FCRA ) : Violation of Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) Failure to Correct Inaccurate Information After a Dispute ( 15 U.S.C. 1681i ( a ) ) Reporting Obsolete Information ( 15 U.S.C. 1681c ) Inaccurate Reporting of Account Status ( 15 U.S.C. 1681s-2 ) Legal Basis for Termination of Child Support : In accordance with Nebraska Revised Statute 42-371.01, child support obligations are automatically terminated when the child reaches the age of 19, unless otherwise specified by a court order. The statute states : " The child support order shall terminate automatically upon the childs nineteenth birthday unless the order specifically states otherwise, such as for continued support during high school or due to XXXX. '' The attached court order confirms that the obligation in question was terminated according to this statute. The continued reporting of this terminated obligation is not only inaccurate but also violates Nebraska law. 

Request for Immediate Action : Correct the Reporting : I request that you immediately remove the terminated child support obligation from my credit report. Continuing to report this information is not only inaccurate but also damaging to my credit profile.

Detailed Review : I request a thorough review of the verification process used to maintain this inaccurate information on my credit report. Provide a written explanation of how the data was verified and the steps taken to confirm its accuracy.

Confirmation of Resolution : Once the correction has been made, please provide me with a confirmation and an updated copy of my credit report.

Enclosures : Copy of the court order confirming the termination of the child support obligation.

Previous correspondence related to this dispute.

Relevant Nebraska Revised Statute 42-371.01.

Under the FCRA, I have the right to dispute inaccurate information and expect it to be corrected or removed within a reasonable timeframe. The continued reporting of this terminated obligation is a violation of my rights, and I expect prompt action to rectify this matter. 

Please confirm receipt of this letter and your intended actions within 15 business days

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