Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8172277
Complaint Overview
Complaint ID: 8172277
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 322XX
Date Received: 2024-01-16T12:00:00-05:00
Date Sent to Company: 2024-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX an account was opened on my credit report for Child Support, which is now closed. The amount was in the amount of {$91.00} Experian updated the balance XX/XX/XXXX and it is still publicly reporting on my credit report. According to United States Code ( USC ), Title 42, Section 654 ( 1 ), child support is explicitly stated as NOT being considered a debt or liability for the purpose of collecting or reporting information on a credit report. This means that any orders or agreements related to child support are separate and should NOT be confused or conflated with them. Furthermore, the Fair Credit Reporting Act ( FCRA ) also prohibits the inclusion of certain types of personal information in credit reports, including those related to income, assets, liabilities, and other financial obligations. Child Support payments do not fall within these categories and therefore can not be reported on a credit report without violating applicable laws and regulations.
Frequently Asked Questions
What is Complaint #8172277 about?
Complaint #8172277 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-16T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". 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 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.