Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Unlawful and Inaccurate Child Support Credit Reporting Texas XXXX XXXX ID : XXXX Dear CFPB, I am filing this complaint against the Texas Office of the Attorney General Child Support Division for continued inaccurate credit reporting of a child support obligation in Cause No. XXXX / OAG Case ID XXXX, despite the custodial parents signed and notarized waiver of all current and past-due child support. 

Facts : XXXX Parent Waiver : On XX/XX/XXXX, the custodial parent, XXXX XXXX XXXX XXXX signed a notarized Affidavit of Waiver of Child Support Arrears stating : He voluntarily waives all current and future support and releases me from all arrears owed to him personally, including unpaid support, retroactive support, and interest.

This is a private child support matter and, to his knowledge, no arrears are owed to the State of Texas.

He requests the Texas OAG update its records, cease enforcement, and correct or remove any associated credit reporting.

2.Termination of Title IV-D Services : On the same date, the custodial parent executed a notarized request to terminate all Title IV-D child support services and close the case.

3.Direct Payment Records : A Non-Custodial Parents Certification of Direct Payments was completed and signed, documenting years of direct payments to the custodial parent totaling more than {$47000.00} between XXXX and XXXX, which were not made through the State Disbursement Unit.

4.Ongoing Harm : Despite the above, the Texas OAG continues to report this account negatively to the credit bureaus, which is false, misleading, and damaging to my credit reputation.

Violations : 1.Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

2.FCRA 15 U.S.C. 1681s-2 ( b ) : Upon notice of dispute, furnishers must conduct a reasonable investigation, review all provided evidence, and correct or delete inaccurate data.

3.Due Process and Equal Protection : Continuing to report an extinguished obligation despite sworn affidavits and termination requests deprives me of the use of my credit without lawful justification.

Requested Resolution : 1.That the CFPB compel the Texas OAG to : Immediately delete the tradeline from all consumer reporting agencies, or Correct it to reflect a {$0.00} balance, Case Closed, and no arrears owed.

2.Cease all enforcement and collection activity on this case.

3.Provide written confirmation of these actions within 15 days.

4.Ensure all three credit bureaus update their files accordingly.

Attachments Provided : Affidavit of Waiver of Child Support Arrears XXXX XXXX XXXX ( notarized ) Request to Terminate Title IV-D Services ( notarized ) Non-Custodial Parents Certification of Direct Payments Supporting payment records This matter has been fully resolved between the private parties, and there is no legal or factual basis for continued negative credit reporting. I request the CFPBs urgent intervention.

Company response to consumer: Closed with explanation