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

14,980 total complaints in the last 3 years.
5,333 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:06/27/2025
Type:Billing Issues
Status:
AnsweredMore 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 viewed my credit report and observed a number of hard inquiries that I did not authorize.The following are the inquiries that were not authorized - Sync B - November ******* - ******* W C - December 7, 2024 - Brclysbankde - January 3, 2025 - Xactus - Avantus / Rocket Mortgage - April 9, 2025 - Equifax Mortgage Ser - April 12, 2025 - ************** April 17, 2025 - FD / Batter Mortgage - June 26, 2025 These were unauthorized inquiries and need to be deleted from my credit report as they are hurting my ability to get credit
Customer Answer
Date: 06/27/2025
I filed this complaint
As stated in the complaint, all these were unauthorized inquiries and need to be deleted
Business Response
Date: 07/07/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

By federal law, a consumers personal credit report must list all organizations that have requested their credit history. In accordance with the Fair Credit Reporting Act (FCRA), entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example,organizations that have granted credit or with whom Mr. ********* has applied for credit, or entities collecting on transactions that were initiated, or, on judgments rendered against a consumer, are permitted to make inquiries on their credit report. Requests for consumers credit history remain on their personal credit report for at least two years.

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.
Initial Complaint
Date:06/27/2025
Type:Billing Issues
Status:
AnsweredMore 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.
****** **** 06/30/1993 ********** credit updated in system im now longer 60 or 30 days late but current and agreed as in writing to remove form all 3 credit reporting agencies including ***** Nexis , including Experian, please delete all negative payment history on account i have ********************** karma account backup and Equifax as well Between Jun 10, 2025 and Jun 17, 2025, your ********** CREDIT automotive account status changed from "30 Days Late" to "Current". Great work! It looks like you got your payments back on track. While you usually can't erase your prior late payments, racking up new on-time payments is a great step forward Account ********************** Changed Remark code removed from ********** CREDIT account Between Jun 18, 2025 and Jun 26, 2025, the following remark was removed from this account: Consumer disputes - reinvestigation in progress. Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact y
Customer Answer
Date: 06/27/2025
i am now requesting proof of previous investigation of who you spoke with their business , i spoke with several people on a recorded line with Experian Volkswagen credit i can also given proof iof that but now may you guys send me their name and phone a number ads well s documentation that proves thus account is late and not current which gave you that also statements from them , if you cannot provide in 15 days to paid and currently i will take this further , may you please snr=** e *** of updated credit report
Business Response
Date: 07/03/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

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: 07/07/2025
I do not agree still nothing to resolve my issue
Business Response
Date: 07/10/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint.

Our records indicate that reinvestigations of the dispute information were completed on multiple occasions. In each instance, the creditors responded that the accounts were accurately reported.The results of each investigation were provided directly to the consumer.

If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.

Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

Experian Consumer Affairs
Initial Complaint
Date:06/26/2025
Type:Billing Issues
Status:
AnsweredMore 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 looked at my credit report and realized that I am a victim of identity theft. I do not recognize these accounts. Please remove them immediately as they are preventing me from obtaining credit.************************ ******XXX
Customer Answer
Date: 06/27/2025
I do not recognize this account and it is prohibiting me from obtaining credit. Yes, I authorized this complaint.
Business Response
Date: 07/03/2025

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
Initial Complaint
Date:06/26/2025
Type:Billing Issues
Status:
AnsweredMore 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 Received A copy of my credit report and was shocked to find i been a victim of identity theft i do not recognize these accounts. Please Removed these items from my credit report because they are hurting my ability to obtain credit. Fraudulent Accounts: DISCOVERC ************ ******************* W3F4XXXX FRAUDULENT INQUIRES: PRIMEWAY FEDERAL CREDIT 04-26-2024
Customer Answer
Date: 06/27/2025
Yes I authorized this complaint.
Business Response
Date: 07/03/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

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.

By federal law, a consumers personal credit report must list all organizations that have requested their credit history. In accordance with the Fair Credit Reporting Act (FCRA), entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example,organizations that have granted credit or with whom Ms. ******* has applied for credit, or entities collecting on transactions that were initiated, or, on judgments rendered against a consumer, are permitted to make inquiries on their credit report. Requests for consumers credit history remain on their personal credit report for at least two years.

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.
Initial Complaint
Date:06/26/2025
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 a copy of my credit report and was shocked to discover accounts that I do not recognize. I believe I have been the victim of identity theft. I am formally requesting that this fraudulent accounts be removed from my credit report, as it is negatively affecting my credit standing and my ability to obtain credit.***************** SYSTEM 388864XXXXXXX $ 2861 RESURGENT LVNV FUNDING 516648XXXXXXXXX $ 773
Customer Answer
Date: 06/27/2025
I recently reviewed a copy of my credit report and was shocked to discover accounts that I do not recognize. I believe I have been the victim of identity theft. I am formally requesting that this fraudulent accounts be removed from my credit report, as it is negatively affecting my credit standing and my ability to obtain credit
Business Response
Date: 07/03/2025
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: 07/07/2025

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,

Loukoumane Ndoum Mouansie
Initial Complaint
Date:06/26/2025
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.
Someone submitted inquiries in my name and it was not authorized by me. I am wanting the following removed from my profile:ALLY FINANCIAL 06-24-2025 Another from ALLY FINANCIAL 06-24-2025 NOWCOM ******** FINANC 06-24-2025 Its three in total that need to be removed.
Customer Answer
Date: 06/27/2025
Someone submitted inquiries in my name and it was not authorized by me. I am wanting the following removed from my profile: ALLY FINANCIAL 06-24-2025 Another from ALLY FINANCIAL 06-24-2025 NOWCOM ******** FINANC 06-24-2025 Its three in total that need to be removed.
Business Response
Date: 07/03/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

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

For information about Experians dispute process, please visit *******************************************************************.

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,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer Answer
Date: 07/07/2025

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:06/26/2025
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 a copy of my credit report and was shocked to find i had been the 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..****************** ACCT# ******** SOUTHWEST ********************** SYSTE ACCT# *********
Customer Answer
Date: 06/27/2025
Yes I authorize this
Business Response
Date: 07/03/2025
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: 07/07/2025

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:06/26/2025
Type:Service or Repair Issues
Status:
AnsweredMore 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 fraudulent unauthorized hard inquires I do not know where they came ********* Federal 11/12/2024 Navy Federal 6/11/2025
Customer Answer
Date: 06/27/2025
Yes i authorized this complaint
Business Response
Date: 07/07/2025
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
Initial Complaint
Date:06/26/2025
Type:Billing Issues
Status:
AnsweredMore 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 a complaint regarding a fraudulent account being reported on my Experian credit report by DIVERSIFIED ADJUSTMENT (Account #*********** have never done business with this company, never authorized this account, and never signed any agreement related to this debt. This account is the result of identity theft.I have filed an official identity theft report with the *** (Report Number: *********) and have notified the appropriate authorities. Despite taking these steps and disputing the account with **********************, it continues to appear on my credit report harming my creditworthiness and financial stability.
Customer Answer
Date: 06/28/2025
Yes, I am authorizing the submission of this complaint and I am formally requesting assistance from the Better Business Bureau in resolving this matter. I am the consumer impacted by the actions of ******************************* and I am seeking their removal of this account due to its fraudulent nature.
I recently reviewed my credit report and discovered the account with ****************************** under account number ********. I have never done ********************** with this company, never authorized any transactions or accounts with this company. Never signed any legally binding agreements with them. This account is a result of identity theft.
Business Response
Date: 07/07/2025
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
Initial Complaint
Date:06/26/2025
Type:Billing Issues
Status:
AnsweredMore 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.
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated identity theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil ************ obtaining my CREDIT AGENCY consumer credit report on DATES LISTED without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act (FCRA) codified at 15 U.S.C 1618b(a)3(f)(i).******* v. ******, 260 F. supp 2d711 (S.D Ind. 2003)I have not initiated any transaction with the companies listed above. Furthermore, I do not have an account as defined under 15 U.S.C 1693a(2) with named companies for review for collection.Pursuant to 15 U.S.C 1681n(a), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for more than 2 years, or both.I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. DELETE ALL INFORMATION IN THE EMPLOYER SECTION.Pursuant to the Fair Credit Reporting Act 15 USC 1681(a)(4), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 *** 1681 and all its subsections.
Customer Answer
Date: 06/28/2025
my name is ***** ******** and this is my written confirmation. please process my complaints
Business Response
Date: 07/03/2025
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

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Experian is NOT a BBB Accredited Business.