Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6615063
Complaint Overview
Complaint ID: 6615063
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30340
Date Received: 2023-02-24T12:00:00-05:00
Date Sent to Company: 2023-02-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an old child support case ( Commonwealth of VA ) that is being erroneously listed as a closed consumer account on my XXXX credit report. This account has been closed for several years, and I have not made any payments towards it during that time. Despite this, it remains on my credit report, negatively impacting my credit score and making it difficult for me to obtain credit. I would like to highlight that a child support case is not supposed to be listed as a closed consumer account, as it is not a debt owed to a creditor. In fact, the inclusion of a child support case on a credit report is specifically prohibited by federal law. The Fair Credit Reporting Act ( FCRA ) includes a provision at 605 ( a ) ( 9 ) which states that " no consumer reporting agency may make any consumer report containing information related to ... a case in which child support is owed or due. '' Therefore, the listing of this outdated child support case on my credit report as a closed consumer account is not only inaccurate, but also a violation of federal law. This listing is negatively impacting my credit score and ability to obtain credit, despite the fact that it is not a valid consumer account. I request that the credit reporting agency remove this account from my credit report immediately, and take steps to ensure that my credit report is accurate and up-to-date. The listing of this child support case as a closed consumer account is a clear violation of federal law, and I expect the agency to take immediate action to correct this error. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6615063 about?
Complaint #6615063 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-02-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.