Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM NOT REQUESTING AN UPDATE OR RE-INVESTIGATION, I AM DEMANDING THIS ITEM BE DELETED IF THE FURNISHER CAN NOT PROVIDE THE REQUIRED DOCUMENTATION. 

NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX TO DELETE ACCOUNT TO WHOM THIS MAYCONCERN, PLEASE DELETE THIS CHILD SUPPORT, XXXX IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A court order authorizing a consumer reporting agency to provide a consumer report, 2. A written authorization from the debtor to obtain a consumer report, or 3. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. Please send me a copy of MY REPORT WITH THE ITEM DELETED. 

The company failed to address my compliant completely. Referencing CFPB Compliant XXXX. I did not request or ask for any item to be updated ; I demanded the entire item be DELETED from my credit report as the company and/or furnisher failed to provide any of the required documents listed in 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) The company response need not direct me to contact them as doing so has failed and the item is still reporting and it should be DELETED. The company need not tell me that the furnisher disagrees, the furnisher needs to provide documentation listed in 15 U.S.C. 1681 ( b ). If the furnisher is unable to provide the REQUIRED documentation, I DEMAND the ITEM be DELETED. Once the item is DELETED from my credit profile I DEMAND a report that REFLECTS the item has been DELETED from my credit profile.

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