Child support reporting errors, please help. UPDATE!!!

[abadfish66]

I have 2 children in which I pay support for, back about 7 years ago I was laid off and got behind, but within a year I had brought both cases up to current with no arrears, and have not been behind once in the last 6 years.

     Looking at my reports, they are updating on 1 case as a balance of $664 and past due of $435 and on the other a balance of $1204, past due of $617, and last updated in 12/08. I am not behind 1 penny, and have not been for the last 6 years. Not to mention being listed as a charge off pays as agreed. Can anyone shed some light on this.

Message Edited by abadfish66 on 03-04-2009 09:20 PM

[Anonymous]

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@abadfish66 wrote:

I have 2 children in which I pay support for, back about 7 years ago I was laid off and got behind, but within a year I had brought both cases up to current with no arrears, and have not been behind once in the last 6 years.

     Looking at my reports, they are updating on 1 case as a balance of $664 and past due of $435 and on the other a balance of $1204, past due of $617, and last updated in 12/08. I am not behind 1 penny, and have not been for the last 6 years. Not to mention being listed as a charge off pays as agreed. Can anyone shed some light on this.

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If over 7 years ago, dispute as "Obsolete" with the CRAs.

If that fails, send the servicer/child support office an Intent to Sue letter for inaccurate and false credit reporting. Have you contacted them about this before? That might be worth a shot if you've not done so. Though, chances are, no one at the CSE will have a fricking clue what you're talking about or what to do.

Like I said, you may have to get nasty with them.

[abadfish66]

One of them is due to fall off 09/09, and the other, middle of next year. I have no problem with ITS. I have battled these theives ( I have no problem paying support for those of you thinking I am disputing paying support to my children)  for years now for not paying me back when I have over paid, taking too much in months they are not allowed to. When they are wrong they win when your wrong they win. It's a win win system for them. Anyway, should I give them the opportunity to fix it, or just flat out write them with ITS if it is not reported properly, meaning $0 amount due $0 balance, and to remove the charge off which is false because I have had payroll deductions for them.

I don't understand how this could even be listed as a chargeoff, blows my mind

[Anonymous]

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@abadfish66 wrote:

One of them is due to fall off 09/09, and the other, middle of next year. I have no problem with ITS.

Don't expect them to take you seriously, though. You may have to report this to your local Atty General's office (or your state's equivalent). They tend to be the watchdog for state CSE offices.

I have battled these theives

( I have no problem paying support for those of you thinking I am disputing paying support to my children)

Now, with all due respect, WHY in the fricking world would ANYONE think that???

Being mad about WRONG info on your CRs is 1) not the same thing as not wanting to support your children and 2) what most people here on this forum are here for!! Seems to me, you're more of a "victim" than the average poster, here.

 for years now for not paying me back when I have over paid, taking too much in months they are not allowed to. When they are wrong they win when your wrong they win. It's a win win system for them. Anyway, should I give them the opportunity to fix it, or just flat out write them with ITS if it is not reported properly, meaning $0 amount due $0 balance, and to remove the charge off which is false because I have had payroll deductions for them.

In that case, do not pass "go." Do not collect $200. Get thee immediately to your local State Atty General's office and COMPLAIN. 

What state are you in, BTW? Most states have statutes that address this sort of thing explicitly and if you include that info in your ITS letter, you'll get better mileage. I'd send the letter AND complain to your SAG office.

I don't understand how this could even be listed as a chargeoff, blows my mind

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Really? No, seriously, really? Chances are, they have absolutely NO clue that they're *blanking* you over. Chances are, they don't know enough TO care. They're bureaucrats, plain and simple.

And BTW, it's not supposed to be listed as a charge-off -- it's supposed to be listed as a public record. You can dispute on that basis, too, if you like.

So it depends on what you want: if you want it off ASAP, go the dispute route. If you have time and want to p*ss some of those weenies off, send them an ITS letter, citing whatever appropriate statutes govern CSE's collection and credit reporting regulations and complain to the SAG. One way or another, you should see results.

[Anonymous]

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@Anonymous wrote:

Really? No, seriously, really? Chances are, they have absolutely NO clue that they're *blanking* you over. Chances are, they don't know enough TO care.

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BTW, yes, I do admit that I ranted a teeny bit there. It really burns my patootie with a blow-torch when people are given the power to ruin other people's credit when they have NO clue on the effect they actually have. Or how to USE that power.

Case in point: our CU is misreporting our car loan as charged-off and "secured" with a zero balance. I've called them, emailed them, faxed them over and over ... each time they "update" the CRAs, they get it WRONG. They really have NO idea what this is doing to our credit. Honestly, they don't.

One woman who was supposed to be an EXPERT (she was the manager for the collections and reporting department) in credit reporting for our CU didn't even know what a FICO was and didn't think that the notation of "Charged-off" was a bad thing!! o_O

So, if an employee and supposed "expert" on credit reporting at a freaking credit union has no clue, how can you expect a pencil-pushing weenie-head bureaucrat to have one??!!

Sorry. Rant over. :/

[abadfish66]

Thanks Wonderin, I'll start researching the laws/violations nad what not. I have time and would love nothing more than make these people that think they are above the law do some work...oh, I live in Arizona, but have to follow Washington state laws regarding child support.

 They know me pretty darn well, and keep changing case workers on me because I call them on every little mistake they make. Have taken them to court 2 times, and won both times for errors they have made. No cash was awarded, not what I was after, I was after them following the laws.

[abadfish66]

I wanted to give an update on the Child support reporting CO/balance due etc. All 3 CRA have updated both accounts to pays as agreed/ never late, $0 due $0 balance. I did an online dispute with all 3, and they all came back updated...Hooray