Complaints

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

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  Experian

  475 Anton Blvd Costa Mesa, CA 92626

• 

  Experian

  505 City Prkwy W #1 Orange, CA 92868

• 

  Experian

  PO Box 5450 Orange, CA 92863-5450

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Creditchecktotal.com

  PO Box 2390 Allen, TX 75013

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:06/25/2025

  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 reviewed a copy of my credit report and I am bewildered to discover that I have been a victim of identity theft. I do not recognize this account. Please remove this from my credit report. This is hurting my ability to obtain credit.CAPSTONE ***************************** ACCOUNT NUMBER ********* AMOUNT $9465 ********************* ACCOUNT NUMBER **************** AMOUNT $7681

  Customer Answer

  Date: 06/25/2025

  YES I AUTHORIZE THIS COMPLAINT

  Business Response

  Date: 07/02/2025

  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 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
  

• Initial Complaint

  Date:06/24/2025

  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.

  To Whom It May Concern,I am writing to formally dispute inaccurate and unauthorized information currently appearing on my Experian credit report. These errors are having a direct and damaging effect on my credit standing and are contributing to ongoing financial hardship.I am requesting a comprehensive reinvestigation of the disputed accounts and entries. If any portion of the reported information cannot be fully verified as accurate and directly associated with me, I am demanding that those items be permanently removed from my credit file in accordance with the Fair Credit Reporting Act (FCRA).In addition, I have identified several hard inquiries that I did not authorize. These inquiries were made without my consent and may be indicative of fraudulent activity. I urge you to investigate each one thoroughly, and delete any inquiries that cannot be confirmed as explicitly authorized by me.Please provide written confirmation of the outcome of your investigation and any corrections made to my credit report.Thank you for your prompt attention to this matter.

  Customer Answer

  Date: 06/27/2025

  To Whom It May Concern,
  My name is ****** Qhaiwi, and this message serves as confirmation that I have authorized the submission of this complaint to the Better Business Bureau (BBB) on my behalf. This complaint is valid and not sent in error. I am requesting BBBs assistance in addressing fraudulent and unauthorized inquiries appearing on my credit report.
  Please find the details of my original complaint and supporting documentation attached.
  Thank you for your attention and support.
  Sincerely,
  ****** Qhaiwi
  
  

  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

• Initial Complaint

  Date:06/24/2025

  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 inquiries I do not recognize where it comes from. ******************* Gr 06/13/2025

  Customer Answer

  Date: 06/25/2025

  I am writing this to have an hard inquiry removed that was recently done on my account. 
   By ************************* 06/13/2025

  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: 07/03/2025

  
  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,
  
  Travisia *******
  
   
  

• Initial Complaint

  Date:06/24/2025

  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.

  Recently I looked at 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 investigate this account for me to ensure accuracy . Here is the account i am asking you to verify as accurate:Account number : ******** Account name : *********

  Customer Answer

  Date: 06/25/2025

  Yes i authorized this compliant 

  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: 07/03/2025

  
  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:06/24/2025

  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, ******* *******, a confirmed victim of identity theft and national data breaches, formally issue this sworn federal demand against **********, Equifax, and Experian for engaging in robotic reinsertion, false investigation, and federal obstruction of credit relief. Under FCRA 605B, reinserted accounts such as IC System, Credit Management, ********, and Synovus were returned to my file without proper notice or method of verification, in direct violation of federal statute.The credit bureaus are operating AI-automated investigations not human reviews in breach of FCRA 611(a)(2) and ****************** caused housing denial and financial injury. Theyve willfully redistributed my data to 153+ third-party agencies (LexisNexis, Clarity, **********, CoreLogic, Innovis, DataX, MicroBilt, FactorTrust), a GLBA 6801 breach and a **** 894 racketeering-level offense.I hereby demand: Immediate deletion of all reinserted and unverifiable tradelines Full removal of dispute comments blocking my mortgage approval Suppression from all secondary agencies Complete delivery of investigation logs, ****, dispute audits, and IP metadata You are further violating FDCPA, ****, UDAAP, CFAA 1030, HEA Title IV, TILA, SCRA, UCC *****, and UCC *****. I reserve all rights and authorize no third ********* have 4 calendar days from the date above to comply or face civil litigation, CFPB escalation, and class-action exposure. This case involves gender-based federal discrimination, real estate obstruction, and negligent data trafficking. I am demanding $1.75 million in total compensation for pain, housing loss, breach trauma, and reckless neglect.This is your final lawful notice before legal remedy. ******* ******* Verified FTC Affiant | Woman Consumer | Legal Victim | U.S. Citizen under UCC *****

  Customer Answer

  Date: 06/25/2025

  
  This is ******* *******. Im confirming that I personally submitted the complaint about Experian, and yes, Im asking for BBBs help to get this resolved.
  
  
  To give you more background Ive been trying to get Experian to verify and remove inaccurate accounts theyre reporting. Ive reached out multiple times, and they havent provided any proper documentation to prove the debt is even mine. Whats worse, because of the dispute comments theyve added to my report, I was denied a mortgage  which has seriously impacted my life and my ability to support my family.
  
  Im asking that Experian be required to remove those dispute comments immediately. Under the Fair Credit Reporting Act (FCRA), I have the right to an accurate and unprejudiced credit report. Their failure to validate the account or remove dispute remarks violates these protections. I also believe this falls under deceptive and obstructive behavior covered under **** statute 894.
  
  Id really appreciate the BBBs help in holding them accountable and making sure this gets fixed.
  
  Thank you,
  ******* *******
  
  

  Business Response

  Date: 07/03/2025

  
  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 IC SYSTEM X** 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: 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:06/24/2025

  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 due to the ************ breach. I do not recognize the accounts attached in my affadavit please remove them from my credit report they are hurting my ability to obtain credit.I did not hire a credit repair agency I am acting on the behalf of myself and I am aware of Experians Illegal ways of operation.All accounts are listed in the documents attached below.

  Customer Answer

  Date: 06/25/2025

  I authorize this complaint

  Business Response

  Date: 07/02/2025

  
  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: 07/03/2025

  
  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:06/24/2025

  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.MIDLAND CREDIT MANAGEM - ******XXX

  Customer Answer

  Date: 06/24/2025

  I authorized this complaint

  Business Response

  Date: 07/02/2025

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  Our records indicate that the disputed MIDLAND CREDIT MANAGEMENT *****xxx 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.
  
  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: 07/03/2025

  
  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:06/24/2025

  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 inquiry I do not know where this came from XACTUS-AVANTUS 01/28/2025 ********** 04/02/2025

  Customer Answer

  Date: 06/24/2025

  Yes, I authorized this complaint

  Business Response

  Date: 07/02/2025

  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: 07/03/2025

  
  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:06/24/2025

  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.

  Subject: Response to Reinsertion of Blocked Items and Request for Verification Under FCRATo Whom It May Concern,I am writing in response to the recent communication dated June 17, 2025, regarding the reinsertion of items that were previously blocked from my credit report due to fraud. Your email states that additional information was obtained and that the reinsertion of these accounts was based on one or more of the following:A material misrepresentation,An agreement in writing that the block was made in error,Knowledge or benefit from the blocked transaction.I would like to clearly state that I dispute this determination and have not received any documentation or verification substantiating these claims. I have not knowingly misrepresented any information, nor have I received or agreed in writing that any block was made in error.Pursuant to the Fair Credit Reporting Act (FCRA), I am formally requestingThe name and contact information of the data furnisher(s) who certified the accuracy of the information that was reinserted.A copy of the documentation you relied upon in making the determination to reinstate the blocked item(s), including any signed agreements or original account records bearing my signature.Written notification of when the reinsertion occurred, in accordance with FCRA 611(a)(5)(B), which requires notice within five business days of reinserting previously deleted information.If you are unable to provide this information and validate the legitimacy of these accounts with proper documentation, the account(s) in question must be removed from my credit report immediately.Additionally, please consider this letter as my formal continued dispute of the reinserted information. I request that a statement of dispute be included in my credit report as required under FCRA 611(b).Sincerely,Shampaon Kinshasa ******

  Customer Answer

  Date: 06/24/2025

   Response to Reinsertion of Blocked Items and Request for Verification Under FCRA To Whom It May Concern, I am writing in response to the recent communication dated June 17, 2025, regarding the reinsertion of items that were previously blocked from my credit report due to fraud. Your email states that additional information was obtained and that the reinsertion of these accounts was based on one or more of the following: A material misrepresentation,An agreement in writing that the block was made in error,Knowledge or benefit from the blocked transaction. I would like to clearly state that I dispute this determination and have not received any documentation or verification substantiating these claims. I have not knowingly misrepresented any information, nor have I received or agreed in writing that any block was made in error. Pursuant to the Fair Credit Reporting Act (FCRA), I am formally requesting: The name and contact information of the data furnisher(s) who certified the accuracy of the information that was reinserted.A copy of the documentation you relied upon in making the determination to reinstate the blocked item(s), including any signed agreements or original account records bearing my signature.Written notification of when the reinsertion occurred, in accordance with FCRA 611(a)(5)(B), which requires notice within five business days of reinserting previously deleted information. If you are unable to provide this information and validate the legitimacy of these accounts with proper documentation, the account(s) in question must be removed from my credi
  
  

   

  Business Response

  Date: 07/01/2025

  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.

  We store information based on identification and address information provided to us by credit grantors and providers of public records.  One or more sources of information reported the address information, and it is a part of the consumers credit history.  If the consumer believes this information is inaccurate, they may want to contact the source of the information directly. 
  
  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,
  
  *** *******
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

  
  

• Initial Complaint

  Date:06/24/2025

  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 as this is hurting my ability to obtain credit.

  Customer Answer

  Date: 06/25/2025

  Yes, I authorized this complaint.

  Business Response

  Date: 07/01/2025

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  Our records indicate that the disputed information with Central Portfolio Control 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,
  
  *** *******
  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,
  
  ****** ******