Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX Date XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Child Support Reporting on Credit Report I am writing to formally dispute the reporting of child support obligations on my credit report. I have reviewed my credit report and found that OFFICE OF THE ATTY GEN child. According to the Fair Credit Reporting Act ( FCRA ), child support payments and obligations should not be reported on consumer credit reports unless they are a result of a judgment or a collection account. 

Child support is typically not considered a debt that can be placed on a credit report. It is a legal obligation, and while nonpayment can lead to other legal consequences, it does not meet the criteria to be reflected on a credit report in the same manner as traditional credit accounts or loans. 

I respectfully request that you remove any and all references to child support from my credit report. If this entry was made in error or without proper legal documentation, I ask that it be corrected immediately in accordance with FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the status of this matter. I appreciate your prompt attention to this issue and request that you inform me of your findings within the time frame established by law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Experian for Violating FCRA ProvisionsDear CFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet Experian has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against Experian for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against Experian and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with Experian as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX

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