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Business Profile

Credit Reporting Agencies

Experian

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 14,301 total complaints in the last 3 years.
    • 4,137 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/21/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently reviewed my credit report and was alarmed to discover an account that I do not recognize. It appears I have been a victim of identity theft. I am requesting that this fraudulent account be removed from my credit report, as it is negatively impacting my ability to obtain credit

      Customer Answer

      Date: 05/21/2025

      Yes I authorize this complaint 

      Business Response

      Date: 05/27/2025

      Dear Better Business Bureau:

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      We are currently reinvestigating the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 

      For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

      For information related to fraud,please visit our website at: ******************************************************.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 

      Sincerely,
       
      Experian Consumer Affairs

      Customer Answer

      Date: 05/27/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ******* ****-cal

       

    • Initial Complaint

      Date:05/21/2025

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Please remove these hard inquiries, I did not authorize them.PATHWARD NA/OPORTUN 04/01/2025 ONE MAIN FINANCIAL SERV 02/15/2024 BK OF AMER 02/13/2024

      Customer Answer

      Date: 05/21/2025

      Yes I authorized this complaint. 

      Business Response

      Date: 05/26/2025

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      We are in the process of blocking/removing the fraudulent inquiries from the consumer's credit report. Upon completion of this process, we will provide the results of our investigation directly to them.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Customer Answer

      Date: 05/27/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ****** ******

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing a formal complaint against Experian Consumer Services for their failure to remove fraudulent and unauthorized information from my credit report. Despite submitting disputes, identity theft documentation, and supporting evidence, Experian continues to report inaccurate information that is harming my creditworthiness.Specifically, I am requesting immediate deletion of the following:Accounts to be removed:********* One Account #**************** Opened without my authorization Closed with a balance of $475 and marked 30 and 60 days late Currently listed as $50 past due2.*********************** (Original Creditor: T-Mobile) Opened 10/02/2024 Collection account with $110 balance This debt is not mine and appears to be related to identity theft Hard Inquiries to be removed:********* One 11/11/2024 2.Credit ******** NA 03/24/2025 Experian has failed to properly reinvestigate these accounts and inquiries as required by the Fair Credit Reporting Act (FCRA). This behavior violates my rights under 12 C.F.R. ******** (trafficking/ID theft protections) and 15 U.S. Code 1691b (against sham investigations). The continued reporting of these accounts and inquiries is creating barriers to obtaining credit, housing, and employment.Desired resolution:1.Permanently delete the *********** and ****************** accounts ******** all associated unauthorized hard inquiries 3.Provide written confirmation that the deletions were completed in compliance with federal law 4.Notify all third-party recipients of my credit file that this information was inaccurate and has been removed

      Customer Answer

      Date: 05/21/2025

      Dear Jasmine ****,


      This email is to confirm that I, ******** *********, authorized the submission of the complaint regarding Experian Consumer Services and am formally requesting assistance from the Better Business Bureau.


      Here is a detailed description of my concern and interaction with the business:


      Experian Consumer Services is reporting fraudulent and inaccurate information on my credit report, including an unauthorized *********** account (with late payments and a past-due balance) and a *********************** collection account (linked to T-Mobile), neither of which I opened or authorized. I have submitted disputes and documentation, yet Experian continues to report these items along with related hard inquiries. This is a violation of my rights under the Fair Credit Reporting Act and other federal protections for victims of identity theft and fraud.


      I am requesting that these entries be permanently deleted and that Experian confirm compliance with applicable consumer protection laws.


      Thank you for your attention to this matter.


      Sincerely,
      ******** *********

      Business Response

      Date: 05/29/2025

      Dear Better Business Bureau:

      Our office recently received your correspondence regarding the above-mentioned consumers complaint.

      Our records indicate that the disputed information does not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

      For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 

      Sincerely,
      Experian Consumer Affairs
      Senior Regulatory Affairs Associate

      Customer Answer

      Date: 05/29/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ******** *********

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      H3**83837363934353537H has failed to remove and delete these fraudulent accounts on my report! I have disputed these accounts for months and months and nothing has been done!! I provided a police report and also a federal fraud report and the still make excuses and sending me stall letters! I need these accounts deleted or i will have no choice but to sue them in court! According to the **** fraudulent accounts should be taken seriously and removed within days not months! H3**83837363934353537H is violating my consumer rights according to the ****! I will not allow anymore time! My case needs to be taken seriously and those fraudulent accounts be removed immediately!! Accounts NCA #****** ******* BANK #**XXXX CREDIT ACCEPTANCE #**XXXX SMC ****** JEWELERS #**XXXX TRUCK STOP #**XXXX ****** FEDERAL #**XXXX CREDIT COLLECTION SERV #**XXXX

      Customer Answer

      Date: 05/20/2025

      Everything is true and I need this fixed asap

      Business Response

      Date: 05/29/2025

      Dear Better Business Bureau:

      Our office recently received your correspondence of regarding the above-mentioned consumers personal credit report.

      We are currently disputing credit acceptance the account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

      Our records indicate that additional items do not appear on the consumers current Experian credit report.  We have mailed a current Experian credit report directly to the consumer for review.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Sincerely,

      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

      Customer Answer

      Date: 05/29/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ****** ******* Jr

       

    • Initial Complaint

      Date:05/20/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Please remove these hard inquires I don't know where they came from.JPMCB CARD 8/14/2024 AMEX 8/13/2024

      Customer Answer

      Date: 05/21/2025

      I would like for these inquiries to be removed from my credit because I dont have an idea where they came from 

      Business Response

      Date: 05/28/2025

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      Our records indicate that the disputed fraudulent inquiries do not appear on the consumers current Experian credit report. We are sending a copy of their Experian credit report to them for review.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Customer Answer

      Date: 05/29/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ****** ********

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will properly investigate this account to ensure accuracy. Here is the account I am asking you to verify is accurate: account name - COMMUNITYAMERICA CU Account number - ****************

      Customer Answer

      Date: 05/20/2025

      I authorize this complaint !

      Business Response

      Date: 05/26/2025

      Dear Better Business Bureau:

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      We are currently reinvestigating the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 

      For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

      For information related to fraud,please visit our website at: ******************************************************.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 

      Sincerely,

      Experian Consumer Affairs
      Senior Regulatory Affairs Associate

      Customer Answer

      Date: 05/27/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ********* ******

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      i recently reviewed a copy of my credit report and noticed that i was a victim of identity theft i do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit portfolio recov assoc acc:517805xxxxxxxxxx

      Customer Answer

      Date: 05/20/2025

      Tray ****** ******** I authorize

      Business Response

      Date: 05/26/2025

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      According to our records, the information is currently being disputed on the consumers current Experian credit report for the same reason. The **** provides up to ********************************************************************** which the consumer disagrees.  Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Customer Answer

      Date: 05/27/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ***** ********

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have made efforts to contact each of the companies listed in the inquiries, and the majority of them have no record of me as a customer or applicant. Given that these companies are unfamiliar with my identity and have no prior relationship with me, it is unclear how they could have had a permissible business purpose to access my credit ******* a result, multiple unauthorized and fraudulent hard inquiries have appeared on my FICO credit report. These inquiries are a direct consequence of identity theft.I have attached a copy of my Identity Theft Report filed with the ***************************** (***) as formal documentation supporting my ******** accordance with the Fair Credit Reporting Act (FCRA) 605B (15 U.S.C. 1681c-2), I am requesting that the credit reporting agency block the fraudulent information from appearing on my credit report within four (4) business days of receiving this complaint.The following inquiries are not associated with any activity I authorized or initiated and are the result of identity theft.

      Customer Answer

      Date: 05/20/2025

      I ****** ****** have tried to contact every one of the companies listed and most of them do not even have any record of
      me. How can they have a permissible business purpose to pull my credit if they don't even know who I am?
      This has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of
      the aforementioned hard inquiries are the result of fraud and identity theft.
      I have attached a copy of my FTC Identity Theft as proof from the *************************** that all of
      the aforementioned hard inquiries are the result of fraud. This complaint has been filed to request pursuant
      to FCRA 605B (15 U.S.C. 1681c-2) that you, the credit reporting agency, block information appearing
      on my consumer credit report that is the result of fraud within 4 business days of you receiving this
      complaint. The following items do not belong to me and is a result of fraud and identity theft that I did not
      authorize
      JPMCB CARD - 06/11/2024 - This inquiry was not authorized - The following inquiry was not
      authorized and should not be reporting.
      DISCOVERC - 10/24/2023 - This inquiry was not authorized - The following inquiry was not
      authorized and should not be reporting.
      **************** - 06/11/2024 - This inquiry was not authorized - The following inquiry was
      not authorized and should not be reporting.
      FIRST PREMIER BANK - 08/05/2024 - This inquiry was not authorized - The following inquiry was
      not authorized and should not be reporting.
      I am entitled to request that my accounts and inquiries be blocked and deleted due to the unauthorized
      access to my personal information. The breach has compromised my data, and I am concerned about the
      potential for identity theft and misuse of my information.

      Business Response

      Date: 05/26/2025

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      We are in the process of blocking/removing the fraudulent JPMCB, SYNC/Amazon PLLC, and ****************** inquiries from the consumer's credit report. Upon completion of this process, we will provide the results of our investigation directly to them.

      Our records indicate that the disputed Discover fraudulent Inquiry does not appear on the consumers current Experian credit report.  We have mailed a current Experian credit report directly to the consumer for review.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Customer Answer

      Date: 05/28/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ****** ******

       

    • Initial Complaint

      Date:05/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Theres a fraudulent account that is resulting from identity theft. I uploaded an FTC Report, a copy of my ID, social security card and utility bill. The special services refused to block it per FCRA 605B within 4 business days as I requested since it met the criteria. I asked for a supervisor, days later the supervisor calls and says its because I didnt upload my drivers license (which I did!!!). I filed a police report this time and am uploading. Copy of my police report, ID, social and utility bill. I am asking and requesting at this point someone higher up from EXPERIAN BLOCK PER FCRA 605B this fraud account. Its from ************ amount $858 please review the documents I uploaded on the site and My new documents here to have this account BLOCKED. Thank you

      Customer Answer

      Date: 05/20/2025

      *** I submitted this complaint please send it to the company its about a fraudulent account

    • Initial Complaint

      Date:05/19/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint due to inaccurate information reported by Experian on my credit report, which violates the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681s-2.Experian is reporting a series of late payments (30, 60, 90, and 120 days past due) on my Apple Card/******* USA account from May 2023 to November 2023. This information is incorrect. My Equifax credit report shows the same account as paid on time during those same months.This discrepancy indicates that Experian is reporting inaccurate data that could negatively impact my creditworthiness. Under the ****, furnishers and credit reporting agencies are required to ensure maximum possible accuracy in the information they provide. Once notified of a dispute, they must also investigate and correct any verified inaccuracies.I request that Experian conduct a full investigation, verify this information with the original creditor, and correct my payment history to reflect on-time payments for the specified period. This error must be fixed immediately to prevent further harm.Thank you for your attention to this matter.

      Customer Answer

      Date: 05/20/2025

      I authorized the submission of this complaint and that I am requesting assistance from BBB. 

      I have tried reaching out to the *** and gotten nothing in response to my problem. 

      Business Response

      Date: 05/27/2025

      Dear Better Business Bureau:

      Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

      We are currently disputing the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 

      For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

      For information related to fraud,please visit our website at: ******************************************************.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 

      Sincerely,

      Experian Consumer Affairs
      Senior Regulatory Affairs Associate

      Customer Answer

      Date: 05/27/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ***** ***

       

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