Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
I am submitting this complaint because my Experian credit report contains multiple errors that are harming me financially and misrepresenting my character. The report shows XXXX addresses, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX and XXXXXXXX XXXX XXXX in XXXX, TN XXXX, that I have never lived at. These addresses do not belong to me, yet they are listed as part of my history. Having the wrong addresses attached to my file is not just a small mistakeit creates the impression that I have lived in places I never resided, which increases the risk of identity theft, file mixing, and being associated with accounts that have nothing to do with me. 

My report also contains several child support entries that are shown as charge-offs. XXXX is listed under TN XXXX XXXX with account number XXXX, opened on XX/XX/XXXX, with a balance of {$11000.00}. Another is reported under TN XXXX XXXX  XXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, and yet another under TN XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$12000.00}. These entries are highly damaging because they suggest that I have failed to meet family obligations when that is not true. Experian has not provided me with any official court orders, state records, or payment histories proving that these balances are valid. By leaving multiple child support accounts with different balances on my file without proper verification, Experian is presenting me as someone who neglects responsibilities I take very seriously. This inaccurate reporting is not only harmful to my credit score but also deeply damaging to my personal reputation. 

In addition, my file shows a charge-off account from XXXX XXXX Bank, account number XXXX, opened on XX/XX/XXXX, with a balance of {$420.00}. This account is being reported as if I still owe money, yet no original contract, billing statement, or supporting documentation has ever been provided to prove its validity. Without proper verification from the original creditor, this entry is misleading and unfair, and it continues to hurt my chances of accessing fair credit opportunities. 

There is also a collection account from XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$380.00}. This is being reported as a valid collection, but I have never received any validation notice or proof from XXXX showing that I owe this debt. Without a signed agreement or evidence linking me to this alleged account, the reporting is unverified and inaccurate. Yet Experian continues to keep this collection on my file, which lowers my score and makes me appear financially irresponsible when the debt can not even be proven. 

These errors combined are creating serious barriers in my life. Because of these wrong addresses, unverifiable child support entries, an unproven charge-off, and an inaccurate collection, I am being unfairly portrayed as someone who is reckless with credit and who does not meet obligations. This is not who I am. These false and harmful entries prevent me from qualifying for housing, reasonable auto loans, and other essential financial opportunities. The Fair Credit Reporting Act requires Experian to ensure maximum possible accuracy, but instead, they are allowing damaging and unverifiable information to remain on my report. 

I am asking the CFPB to step in and hold Experian accountable. I want these false addresses removed, the unverifiable child support accounts deleted unless proper official proof is provided, and the XXXX XXXX Bank XXXX and XXXX collection either fully validated with original documentation or deleted. These mistakes have caused me harm for too long, and I need my credit report to reflect the truth so that I can move forward with a fair chance at financial stability.

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