Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
RE : Formal Complaint for FCRA Violations and Illegal Re-Aging of Child Support Account Account Number : XXXX Dear Sir/Madam, I am submitting this formal complaint regarding illegal and inaccurate reporting of child support obligations on my credit report by [ Name of Furnishing Agency or Creditor ], which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This correspondence serves as both a dispute under the FCRA and a notice of potential legal action for willful non-compliance. 

Legal Basis for My Dispute 1. Illegal Re-Aging of Delinquency Dates : Under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), delinquent accounts can not be reported for more than seven ( 7 ) years from the date of first delinquency. Despite previous disputes, [ Name of Furnisher/Credit Bureau ] has illegally re-aged my child support account by updating delinquency dates to more recent periods, artificially extending the reporting period. 
This practice is unlawful unless there is documented proof of a new, separate delinquencywhich I demand to be provided. 
2. Violation of Accuracy Obligations : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( a ) mandates that data furnishers must report accurate information and correct errors promptly after a dispute.

3. Failure to Conduct a Reasonable Investigation : Despite submitting prior disputes, the credit bureaus and furnishers have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). Simply updating dates without verifying the legitimacy of the information violates this section.

Formal Request for Action Pursuant to the FCRA, I am demanding the following : 1. Immediate Investigation : Conduct a thorough investigation of the illegal re-aging of my account XXXX. 
2. Deletion of Inaccurate Information : Remove all improperly reported child support delinquencies and any re-aged data from my credit reports with [ XXXX, Experian, XXXX ]. 
3. Proof of Verification : Provide written documentation verifying the source of the reported delinquency dates and any supporting evidence that justifies recent updates. 
4. Notification of Corrections : Notify all parties who accessed my credit report within the past six ( 6 ) months of the corrections made. 
5. Written Confirmation : Provide a written response within 30 days as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Notice of Legal Intent If these actions are not taken within the required timeframe, I will pursue all available legal remedies under the FCRA, including : Actual damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Statutory damages Punitive damages for willful non-compliance XXXX fees and legal costs

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