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:06/24/2025

  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 am filing a complaint due to inaccurate and unverifiable information being reported on my credit report. despite submitting formal disputes under the fair credit reporting act (****). the accounts continue to be reported without proper validation or correction. The companys I have listed below has failed to proved original documents to varify the debt, and the reporting may also violate Metro 2 compliance standards. Requested Resolution: I am requesting that these accounts be removed from my credit report Accounts are as follows SYN/FSTPROG Account # ****************SYNCB/PPC Account # ****************CITIZNPAYLOC Account *********************** ** Account ****************VIVE FIN Account 1097****PETAL CARD 1 ******************************* **************************** account *************************** account ************CB/WOMNWTHN account *************************** account ************UPSTART NETW account L278****SBNasselflndr CBA00000001344*****FCRA 611 (15 U.S.C. 1681I)PROCEDURE IN CASE OF DISPUTED ACCURACY I have attached my ID tracking number a copy of my credit report with the account in question. Tracking Numbers Below is the tracking numbers of the first attempt I made to dispute Ex- ********************** Eq- ********************** Tu- ********************** This was my second attemped Ex- ********************** Eq- ********************** Tu- ********************** below is a recept of my 3rd attempt.

  Customer Answer

  Date: 06/24/2025

  There is accounts that are still reporting inaccurate info on my report.

  Business Response

  Date: 07/01/2025

  
  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: 07/02/2025

  
  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.

  Please remove hard inquiry. I do not no recognize it. ***** CARD SERVICES 6/24/2025

  Customer Answer

  Date: 06/24/2025

  I do confirm that I authorized the submission of this complaint to bbb

  Business Response

  Date: 07/02/2025

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  We are in the process of blocking/removing the fraudulent ***** inquiry 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: 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.

  Upon reviewing my credit report, I noticed several inaccuracies with my accounts. These accounts are negatively impacting my ability to obtain credit. I am respectfully requesting a thorough investigation to verify the accuracy and completeness of all information, as required under the Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681i).

  Customer Answer

  Date: 06/24/2025

  I agree to allow the BBB to work on my behalf to dispute all claims listed in dispute letter.

  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, 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

• 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.

  Im extremely frustrated that Experian still hasnt permanently removed two accounts I already disputed and were confirmed for deletion: ************* / *** NAVY (Acct #: **************** and ************ CREDIT (Acct #: ***********. These were deleted from my credit report on March 17, 2025, and I even received written confirmation. But now theyve somehow been added back without any notice, explanation, or proper documentation.This goes against the Fair Credit Reporting Act (FCRA). Under 15 U.S.C. 1681i(a)(5)(B), Experian was required to send me written notice within 5 business days of reinserting the accounts, but they didnt. And according to 15 U.S.C. 1681i(a)(5)(C), they must get new, certified information from the original creditors before putting anything back on my file. Again, that didnt happen.Whats worse is that ******* has already deleted the ************ Credit account, so why is ********************** still reporting it? Even more troubling, only Experian is reporting these accounts; neither ******* nor ********** is. It makes no sense and shows a lack of consistency. This also violates 15 U.S.C. 1681e(b), which says they must ensure the maximum possible accuracy of what's in my credit report.This whole situation has gone on way too long. Its damaging my credit and causing unnecessary stress. Im asking you, BBB, please step in and make Experian delete these accounts once and for all, issue a corrected report, and follow the law. If they dont, Im ready to take further legal action under 15 U.S.C. 1681n and 1681o for willfully and negligently violating my rights.

  Customer Answer

  Date: 06/27/2025

  Im confirming that I personally submitted this complaint and Im the one requesting assistance from the Better Business Bureau. Im not using any third party, representative, or outside service this complaint is coming directly from me. Im fully aware of the situation and chose to file this on my own because it directly affects me and my credit report. I understand whats being submitted, and Im giving full permission for this complaint to be processed and reviewed by the BBB. Im asking for your help because *** tried resolving this directly, but I havent gotten anywhere. Thank you for allowing me the opportunity to explain whats happening and to ask for your support in resolving it properly.

  Business Response

  Date: 07/04/2025

  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: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 deeply concerned about the errors that appear in my report and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that *** never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.Along with that are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing ongoing stress and anxiety.I demand that you take immediate action to remove all unverifiable data and delete these unauthorized items. It's unacceptable that these issues persist despite my previous efforts. Please address this matter promptly to prevent further harm.

  Customer Answer

  Date: 06/25/2025

  My credit is very important and so, I do my best to keep my report clean but as I took a look at my credit report, I found some big mistakes that are really hurting my score. I am ******* ***** and this complaint is not sent in error. Im really worried about the mistakes on my credit report. I authorize the submission of this complaint by BBB on my behalf and I am requesting assistance from BBB. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please see enclosed details on my original complaint and the attached file. Thanks!

  Business Response

  Date: 07/02/2025

  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.
  
  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,
  
  Istifan Warda
  
   
  

• 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.

  I'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom.There are also fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing ongoing stress and anxiety.I demand that you take immediate action to remove all unverifiable data and delete these unauthorized items. It's unacceptable that these issues persist despite my previous efforts. Please address this matter promptly to prevent further harm.

  Customer Answer

  Date: 06/25/2025

  I am ********* ****** and my credit is very important to me so, I am expecting you to take this seriously. This complaint is not sent in error and I authorize the submission of this complaint by BBB on my behalf and I am requesting assistance from BBB. Help me fix these mixed and fraudulent information on my report that I never authorized or benefited from. These inaccuracies on my credit report are causing me significant stress and its also affecting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Kindly check the enclosed details on my original complaint and the attached file. Thanks!

  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:

  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.

  Im concerned about the ******************* of Experian's recent investigation of a bankruptcy that's reporting on my credit report. I requested an investigation on June 13 2025, Experian received the dispute on June 18 2025.On June 23 2025 I received a notification stating that the investigation was complete. If Experian would've investigated this account properly rather than using the E-Oscar system, Im 100% sure that this wouldve been removed. Their investigation claims to have VERIFIED this account. In the dispute I asked them to explain to me how they conducted their investigation.I asked them to provide the SPECIFIC date reporting that this item will cease along with a notarized affidavit confirming the information that is provided is true & correct as per my rights granted under the ****, 15 U.S.C. 1681g Section 611(a)(5)(A)(i), all unverified accounts must be promptly deleted. I told Experian that this information should not come as a form letter response. My initial dispute was detailed & directly related to the account in question, & that a template response wont be an acceptable response.I told them that if they cant supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, then I must immediately demand the permanent removal of the bankruptcy from my credit report. These erroneous entry is detrimental to my overall credit rating & has caused me severe financial & emotional distress. I told them that if they chose not to provide the above requested deletion or requested/required documentation of their investigation, that Ill pursue the enforcements of my constitutional rights via federal court proceedings. Experian is refusing to comply with my request

  Customer Answer

  Date: 06/24/2025

  Experian is not properly investigating my dispute per law

  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, 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: 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 am writing to dispute the following fraudulent account on my ********************** report, which i believe violate several provision of the Fair Credit Reporting Act (FCRA) Fraudulent Account: BOEING EMPLOYEES C U Account number ***** I request the immediate removal of this account under the ***** specifically 15 USC 1681e(b), USC 1681s-2, 15 USC 1st I 681 (5), and 15 USC 1681c(c). Furthermore, as per Law 605 B, these fraudulent account should be eliminated from my credit report. Experian Claimed that the account was updated but the errors i disputed is still showing on my credit report. Inaccuracies: The last active date is inaccurate The last payment date is also inaccurate.

  Customer Answer

  Date: 06/24/2025

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

  Business Response

  Date: 07/02/2025

  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.
  
  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: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.

  Please remove hard inquires I do not know where these come from CBCVEROS CREDIT LLC 12-01-2024 CREDIT REPORTING ******* 12-01-2024 GLOBAL LENDING SERVICES 12-01-2024 ***** FINANCIAL ********* ********************* 12-01-2024 ********* CONSUMER *** 11-09-2024 BLUESTREAMWEBBANKFINGERHUT 07-21-2024 JPMCB CARD 07-21-2024 CAP ONE NA 08-24-2023 LENDMARK FINANCIAL SERVICES 12-04-2024 **************** *** NA 08-24-2023 YOU ***************** 12-03-2024 ******************** ********* FIRST PREMIER BANK 10-07-2024 JPMCB CARD SERVICES 07-21-2024 *********** 08-24-2023

  Customer Answer

  Date: 06/24/2025

  Yes I can confirm this my was me 

  also I do not recognize these inquiries on my account 

  Business Response

  Date: 07/01/2025

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  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: 07/02/2025

  
  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.

  Upon reviewing my credit report, I discovered that I am a victim of identity theft. There are several accounts listed that I do not recognize or authorized. I am requesting that these fraudulent accounts be promptly removed, as they are negatively impacting my credit and hindering my ability to improve my financial situation.Acct#******** $5008 Acct#**************** $5383 Acct#******** $451 Acct#**************** $1053 Acct#********** $8499

  Customer Answer

  Date: 06/27/2025

  I do authorize this complaint.

  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