Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Email : XXXX Phone : XXXX To : Experian XXXX Relations P.O. XXXX XXXX, XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate, Incomplete, Misleading, and Contradictory Reporting Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau, I am formally disputing the inaccurate, inconsistent, incomplete, and misleading reporting of the following account on my consumer credit file in violation of 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( duty to reinvestigate disputed information ). This dispute also addresses contradictory reporting within account comments, which creates misleading impressions and violates the FCRA. 

XXXX XXXX XXXX XXXX XXXX  Account in Dispute Creditor/Collector : Child Support Enforcem Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Items and Specific Errors XXXX. XXXX XXXX  Account Type & Terms XXXX XXXX XXXX Experian reports this account as * Installment Family support XXXX  with XXXX. of Months ( terms ) : XXXX. 
Child support is not an installment loan, and a one-month term is inaccurate and misleading. 

XXXX XXXX XXXX Payment Status Coding XXXX XXXX XXXX  Experian reports XXXX  Collection/Chargeoff ( CO ) XXXX as the Payment Status. 
- Comments state : Account seriously past due assigned to attorney, collection agency, or credit grantors internal collection department. 
Child support obligations are not charged off in the manner of a credit account. This coding is factually and legally inaccurate, creates the impression of a consumer loan, and misleads potential lenders. 

XXXX XXXX XXXX Balance and Past Due XXXX XXXX XXXX Balance reported : {$250.00} - Past Due reported : {$250.00} - Date of Last Payment : XX/XX/XXXX This indicates payments were made but not credited toward reducing balance/past due. Reporting both balance and past due as equal, despite a recent payment, is inaccurate and incomplete. 

XXXX XXXX XXXX Date Integrity / Re-Aging Risk XXXX XXXX XXXX Experian reports Date Last Active : XX/XX/XXXX, after the last payment of XX/XX/XXXX. 
This suggests re-aging or misapplication of dates to keep the derogatory status active longer, which violates the FCRA prohibition against re-aging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Consumer statement is displayed, but Experian failed to ensure the tradeline was properly coded in dispute during investigation, as required by law. 

XXXX. XXXX Payment History Experian shows repeated CO ( charge-off ) entries across the monthly payment grid. 
This is inaccurate and misleading because child support arrears do not generate recurring monthly charge-offs. 
This duplicative reporting unfairly magnifies derogatory history beyond the actual arrears balance. 

XXXX XXXX XXXX  XXXX FCRA Laws and Case Law- XXXX XXXX  15 U.S.C. 1681e ( b ) : XXXX XXXX  CRAs must assure maximum possible accuracy. 
- XXXX XXXX  15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : XXXX XXXX Must reinvestigate disputed information within 30 days. 
- XXXX XXXX  15 U.S.C. 1681i ( a ) ( XXXX ) : XXXX XXXX Inaccurate, incomplete, or unverifiable information must be corrected or deleted. 
XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( a ) ( 8 ) : XXXX XXXX  CFPB.gov disputes must be treated the same as direct disputes. 
- XXXX XXXX 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : XXXX XXXX  Requires disclosure of XXXX of XXXX ( MOV ). 
XXXX XXXX XXXX 15 U.S.C. 1681n & 1681o XXXX XXXX XXXX Provides remedies for willful or negligent noncompliance. 

XXXX XXXX  Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than superficial checks. 
- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Misleading reporting = inaccurate reporting. 
- * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re-aging accounts is unlawful. 
- * XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Mischaracterization of debt is inaccurate reporting. 

-- - # # # Method of Verification ( MOV ) If this account is verified as accurate, I demand a Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within XXXX  days of reinvestigation completion. This must include : - The name, address, and phone number of each furnisher contacted. 
- The method used to verify the information. 
- Copies of all documents relied upon. 

XXXX XXXX XXXX XXXX XXXX Requested Action- Delete this Child Support Enforcem account entirely due to contradictory, inaccurate, and incomplete reporting. 
- If not deleted, correct to reflect consistent, accurate, and complete data : - Remove charge-off/collection coding ; - Correct account type/terms ; - Apply all payments and update balance/past due accordingly ; - Preserve the correct original delinquency date. 
- Provide written confirmation of any deletions or corrections. 

-- - XXXX XXXX XXXX  Timeframe for Compliance - XXXX  days for reinvestigation under 1681i. 
- XXXX  days for MOV if the account is verified. 

-- - XXXX XXXX XXXX  Preservation of Rights This letter serves as formal notice that I am preserving all rights under the FCRA and state law. If violations continue, I reserve the right to file complaints with the CFPB, FTC, and State Attorney General, and to pursue private legal action under 1681n and 1681o for statutory damages, actual damages, attorneys fees, and costs. 

Respectfully, XXXX 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