Consumer complaint received 2025-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal dispute and complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding an account reported as a child support or family support installment loan by XXXXXXXX XXXX. 

This account is not a consumer credit obligation, and its appearance on my credit report violates both federal law and credit reporting industry standards. I am requesting complete deletion of this account from all credit bureaus ( TransUnion, XXXX, and Equifax ). 



Specific Inaccuracies Identified 1. Improper Classification as Consumer Debt This account is reported as an Installment Loan with account type Child Support or Family Support.

Child support obligations are not credit accounts, loans, or extensions of consumer credit, and therefore can not legally be reported in the same manner as credit accounts under the FCRA.

Reporting such accounts as Installment or Loan obligations is inherently inaccurate and misleading.

2. Inconsistent and Inaccurate Late Payment Reporting TransUnion lists the account as Late 60 Days. 
XXXX  lists it as Late 30 Days. 
These discrepancies prove a lack of uniform and verifiable data and violate the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

The account is also reported as Paid / Closed / {$0.00} Balance, which can not logically coexist with active delinquency marks.

3. Unverifiable Nature of the Reporting The county or state agency does not operate as a credit furnisher under the same obligations as consumer creditors.

This account can not be verified through standard credit reporting procedures and therefore should be deleted as unverifiable under FCRA 611 ( a ) ( 5 ) ( A ).

Legal Grounds for Removal FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must ensure maximum possible accuracy in reporting.

FCRA 611 ( a ) ( 1 ) ( A ) Consumers have the right to dispute inaccurate or incomplete information, and CRAs must investigate and correct or delete unverifiable data.

FCRA 611 ( a ) ( 5 ) ( A ) Requires deletion of unverifiable or inaccurate information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information known or reasonably believed to be inaccurate.

FCRA 603 ( d ) ( 1 ) Defines consumer report as information bearing on credit worthiness relating to a credit transaction. Child support is not a credit transaction.

CDIA Metro 2 Reporting Standards Child support obligations may only be reported under specific public record status, not as tradelines or installment accounts.

Office of Child Support Enforcement ( OCSE ) Policy Guidance Reporting child support as credit debt is optional and must comply with federal reporting laws, including accuracy and permissible purpose.

Because this entry is being reported as an installment account, rather than a court-ordered support record, it is illegally misclassified and should be deleted immediately.

Company response to consumer: Closed with explanation