Business Profile

Credit Reporting Agencies

Experian

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Complaints

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

Customer Complaints Summary

14,300 total complaints in the last 3 years.
4,151 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.

Initial Complaint
Date:05/23/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 noticed an account that was not reporting accurately. inaccurate information is being reported and is causing my credit score harm. According to your records, this account was opened on 11/08/2021, is listed as an auto loan, and was charged off in August 2023. However, your report continues to show monthly ***************** notations extending through April 2025. Once an account is charged off, the continued reporting of new charge-off activity on a monthly basis constitutes misleading and inaccurate reporting.
Customer Answer
Date: 05/23/2025
I confirm that I am authorizing the submission of this complaint to the Better Business Bureau (BBB) and that I am formally requesting the BBB's assistance in addressing this matter with *******************
This complaint concerns ******************* reporting of a charged-off auto loan account to **********************, which is appearing on my credit report under account number ****************. While I acknowledge the loan fell behind, ************** reported the account as a charge-off in August 2023, and since that time, the account has continued to accrue monthly "**" (charge-off) notations through April 2025.
This type of reporting is:
Misleading -A charge-off is a one-time accounting event. Reporting new ** notations each month gives the appearance of ongoing delinquencies, which falsely depresses my credit score.
Potentially deceptive - It may misrepresent the status and recency of the account, and in doing so, could be interpreted as an attempt to re-age the debt, which is not allowed under federal law.
Inconsistent- The original balance was reported as $21,654, while Exeter states it has written off $20,914, yet the balance as of April 2025 is listed as $9,883. These figures do not reconcile logically and suggest errors or lack of transparency in reporting.
I have already submitted a formal dispute with Experian and attempted to contact Exeter Finance

A written explanation and correction of all inaccurate reporting on my credit file.
Immediate removal of all post-August 2023 ** notations from my credit report.
Either an accurate update of the tradeline to reflect true status or complete deletion of the account due to reporting inconsistencies.
Business Response
Date: 05/29/2025
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: 05/31/2025

Better Business Bureau:

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

Regards,

******* ******
Initial Complaint
Date:05/23/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
Upon reviewing my credit report. I noticed I have been a victim of Identity Theft.Please Remove accounts from ********************** report as they are preventing me from establishing credit. I have attached a copy of my report as proof of such theft -******************************* -Opened Dec 2024 -Amount of $176 -Account Number: ******** Midland ********************** Managemen -Opened March 2021 -Amount of $791 -Account Number: ********* -******* ********************** Managemen -Opened December 2020 -Amount of $316 -Account Number: ********* -Rc/Resurgent Receivables -Opened December 2024 -Amount of $1523 - Account Number: *************** -************************* -Opened December 2024 -Amount of $1341 -Account Number: *************
Customer Answer
Date: 05/23/2025
I authorized this complaint for the following accounts.
Upon checking my credit report, I noticed a lot of discrepancies that need clarifying.
Please remove those accounts off of my ********************** report.
Thank you in advance.
Business Response
Date: 05/30/2025
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: 05/30/2025

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,

**** Francisco
Initial Complaint
Date:05/23/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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'm writing to dispute three accounts that appear on my credit report that I absolutely did not authorize or open. These accounts are listed under:1. ******** NA 2. ********, ************* (LMMINC) - was opened with ********* address i have never used, seen in person or been around.3. **** Attached are critical supporting documents such as federal reports and documents identifying myself.
Customer Answer
Date: 05/23/2025
This serves as my written authorization of this complaint.I need this directed to the business to remedy my complaint . This was all written by me thank you . I Give permission to send this to requested destination
Business Response
Date: 05/29/2025
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: 05/30/2025

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:05/23/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
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 hard inquires i do not recognize them ONE MAIN 05/31/2024 FALGSHIP CRE 03/10/2024 ROCKET MORTG 02/01/2024 ******** AUT 08/27/2023 QUEENS AUTO 03/10/2024 AMERICREDIT 03/10/2024
Customer Answer
Date: 05/23/2025
To clear or remove hard inquirys I do not recognize from my credit report
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: 05/30/2025

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,

***** Dash
Initial Complaint
Date:05/22/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
Upon reviewing my recent credit report, I noticed that an account is incorrectly marked as having a late payment. It shows that I have one late payment on an account that I have consistently made timely payments for. I am aware that the consumer reporting agencies are required to report accurate information. The date in question is September 2024. I have attached a copy of my credit report highlighting the disputed entry. I request that you investigate this matter and update my credit report accordingly to reflect the accurate payment history.
Customer Answer
Date: 05/22/2025
I authorized that this is from me as all my information was provided.
Business Response
Date: 05/30/2025
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: 05/30/2025

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:05/22/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 noticed an account that was not reporting accurately. I had a charged off on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( 05/23-04/25)I demand these payments be updated to paid on time immediately. You cannot report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE.
Customer Answer
Date: 05/22/2025
An account is incorrectly stating that its a charge off one on bureau and another bureau its stating is ok. I need it corrected to paid on time.
Business Response
Date: 05/28/2025

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

We are currently reinvestigating the disputed account ********************** with which the consumer disagrees. 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: 05/30/2025

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,

**** Francisco
Initial Complaint
Date:05/22/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
Grand Rising to whom it may concern, I recently got a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize the account please can you remove it from my credit report its hurting my ability to obtain credit. ************** services ******xxxx **************************************** 2023FLxxxxxxxxx
Customer Answer
Date: 05/22/2025
Yes I authorized this complaint
Business Response
Date: 05/30/2025

Dear Better Business Bureau:

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

We are currently investigating the information with which the consumer disagrees. Upon completion, we will provide the results of our investigation 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.

Sincerely,

Experian Consumer Affairs
Customer Answer
Date: 05/30/2025

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:05/21/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 Experians failure to accurately update or remove a student loan tradeline that contains a late payment. ********** has already deleted this account from my ********************** report due to the furnisher's failure to provide updated and verifiable information, which is a violation of federal consumer protection laws.Experian is in violation of the following:15 U.S. Code 1681s-2(a)(1)(B): Duty to update and correct inaccurate or incomplete information.15 U.S. Code 1666b: Timely posting of payments and proper crediting.12 CFR *******: Billing error resolution procedures.Despite notifying Experian and providing supporting documentation, the inaccurate information remains. This is damaging my credit profile and violates my consumer rights under the Fair Credit Reporting Act (FCRA) and the Truth in Lending Act (TILA).Resolution Sought:I am requesting the immediate deletion of the late payment or full deletion of the student loan tradeline from my Experian credit report to remain consistent with the resolution provided by **********.
Customer Answer
Date: 05/21/2025
This letter serves as written confirmation that I authorized the submission of this complaint and that I am formally requesting assistance from the BBB in resolving this matter with Experian.

Detailed Description of Concerns:

My concern stems from an inaccurate and outdated late payment reporting on a student loan tradeline appearing on my Experian credit report. I recently had this same account removed entirely from my ********** report after they found the furnisher failed to provide updated and accurate information, in violation of federal consumer protection laws.

Despite submitting a dispute to Experian and referencing the discrepancies and legal violations, the inaccurate information remains on my report. Specifically, I believe Experian is in violation of:

15 U.S. Code 1681s-2(a)(1)(B) failure to update or correct information;
15 U.S. Code 1666b failure to properly credit payments;
12 CFR ******* failure to properly resolve billing errors.

The continued reporting of this inaccurate tradeline is negatively impacting my creditworthiness and goes against my rights under the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA).

I respectfully request that Experian either:

Delete the inaccurate late payment, or
Remove the student loan tradeline entirely, to remain consistent with TransUnions resolution.

Thank you for your time and assistance in addressing this matter.

Business Response
Date: 05/29/2025
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: 05/30/2025

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:05/21/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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.
synerprise consulting/original creditor ************************ account number ******##Date opened December ******** Amount $770 Status paid off south west credit system/original creditor ******** Account number ****** ###Date opened jan ******* Amount $ 121 Status Paid off portfolio Recov Association/original creditor Account number ******##########Date open May ******* Amount $ 2975 Status paid off l still dont know why these account are still on my credit report All debts were paid off,to the original creditor l do not have a contract with all these collection agencies they did not or have never provided me with the original contract as requested
Customer Answer
Date: 05/21/2025
I do authorized this complaint
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.

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

We are currently investigating the additional disputed account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation 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.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer Answer
Date: 05/30/2025

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:05/21/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 just noticed a fraudulent account from ********, *************** on my credit report, listed under account number ****** with a balance of $11,613. I have no knowledge of this account and never authorized any debt with this company. This is a clear violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act . I have filed a complaint with the *** and included the reference number, along with a signed affidavit confirming this is a case of identity theft. I am requesting that an immediate investigation be opened into this matter. If you claim the account has been verified, you are required to provide a copy of the original signed contract, a full debt validation letter, and all relevant documentation. If this cannot be produced, the account must be deleted from my credit report without delay. Under the ****, you have 4 days to respond to this dispute and resolve it appropriately.
Customer Answer
Date: 05/21/2025
This is written confirmation that i authorized the submission of this complaint and that i am requesting assistance from BBB.
I want a thorough human review.I need to know who ,when and how they conduct investigation with proof of signed documents.This account needs to be deleted.
Business Response
Date: 05/30/2025
Dear Better Business Bureau:

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.

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: 05/30/2025

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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