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

  PO Box 9701 Allen, TX 75013

• 

  Experian

  535 Anton Blvd #100 Costa Mesa, CA 92626-7199

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Experian

  PO Box 919 Allen, TX 75013-0919

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 recently reviewed a copy of my credit report and was shocked to find i had been a victim of identity theft i do not recognize these accounts please remove this from my credit report they are hurting my ability to obtain credit

  Customer Answer

  Date: 06/24/2025

  Yes i authorized this complaint 

  Business Response

  Date: 07/02/2025

  Experian received a recent request regarding an individual's credit information that does not appear to have been sent directly by them or to be authorized by them. As a precautionary measure, no action has been taken on the alleged request.
  
  According to the federal Fair Credit Reporting Act, "if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge." Therefore, any inaccurate information can be disputed directly with Experian for free. If an individual believes that information in their personal credit report is inaccurate or incomplete,they should call the phone number that displays on their Experian personal credit report or visit the secure website at ****************************************************************.
  
  They may also write to the address on their Experian personal credit report. Include the account name and number for any item on the credit report that is being disputed and state the specific reason why the information is believed to be inaccurate. The dispute process may take up to 30 days (45 days when disputing information in the annual free credit report). Once Experian completes the processing of the dispute, they will promptly notify the individual of the outcome.

  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.

  am reporting fraudulent activity by ********************************. They recently placed a collection account on my ********************** report under account number ********, claiming it was opened on 05/01/2025. I have no knowledge of this debt, never received prior notice about it, and did not authorize any account or transaction with this company.This account appeared suddenly and without justification, harming my credit. I believe this is either identity theft or a reporting error. I have already filed fraud reports with the *** and **** and submitted disputes to the credit bureaus.I am requesting that ********************************:Remove this fraudulent account immediately from my credit reports Cease all collection attempts Provide documentation proving this alleged debt is valid and mine This complaint is submitted in good faith to stop inaccurate and fraudulent reporting and protect my rights as a consumer.

  Customer Answer

  Date: 06/24/2025

  to give you guys pernission to contact company on my behave

  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 ****** and ****** 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.

  I recently reviewed a copy of my credit report and was shocked to find out that I am victim of identity theft I do not recognize this account please remove this from my credit report it is greatly hurting my ability to obtain credit.EASTERN ACCOUNT SYSTEM I Account #: ***************** PORTFOLIO RECOVERY ASSOCIATES Account #: **************** ********************* Account #: ****************

  Customer Answer

  Date: 06/24/2025

  Yes I authorize this compliant.

  Business Response

  Date: 07/01/2025

  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
  

  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,
  
  Mailaysia Christian
  
   
  

• Initial Complaint

  Date:06/23/2025

  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.

  Please remove all hard inquiries. I have no idea where these came from. I do not recognize them. They are listed below:GLOBALLEND 04-28-2025 ********** 04-28-2025 ******************/WCG 04-28-2025 ALLY FINANCIAL 04-28-2025 ALLY FINANCIAL 04-28-2025 ********************** 04-28-2025 ********* Consumer *** 04-28-2025 Consumer Portfolio SVC 04-28-2025 CPS 04-28-2025 ************ 04-28-2025 **** Credit 04-28-2025 Foursight CA 04-28-2025 Experian Business CRED 02-02-2024 SYNCB/LOWES 02-02-2024

  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
  

• Initial Complaint

  Date:06/23/2025

  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 am filing this complaint due to inaccurate and unverifiable information being reported by ***** CARD/*********** (HR12) - (BS-7) 110001XXXXXXXXXX OPPORTUNITY FINANCIA (HR12) - (BS-7) LAI018XXXXX DEBT RECOVERY SOLUTI (HR12) - (BS-7) 424216XXXXXXXXXX ************** (HR12) - (BS-7) LLI433XXXXX *********** (HR12) - (BS-7) 650ABBXXXXXXXXXXXXXXXXXXXXXXXX VYSTAR CREDIT UNION (HR12) - (BS-7) 107904XXXXXX ********************** (HR12) - (BS-7) AJ0USTXXXXXXXXXXXXXXXXXXX **************** *** (HR12) - (BS-7) 517805XXXXXX **************** *** (HR12) - (BS-7) 517805XXXXXX **************** *** (HR12) - (BS-7) 517805XXXXXX on my credit file. Despite submitting formal disputes under the Fair Credit Reporting Act (FCRA), the account continues to be reported without proper validation or correction.The company has failed to provide original documentation to verify the debt, and the reporting may also violate Metro 2 compliance standards.Requested Resolution I am requesting:A proper reinvestigation under FCRA 611.Removal or correction of the account if it cannot be fully verified. Written confirmation once the issue is resolved.I am seeking a fair and lawful resolution without further escalation.

  Customer Answer

  Date: 06/24/2025

  Delete Items From Credit Report

  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.
  
  Our records indicate that DRS *****xxx and VYSTAR CREDIT UNION *****xxx account does not appear on the consumers current Experian credit report. We are sending a copy of their Experian credit report to them for review.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

  Customer Answer

  Date: 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,
  
  Callex Louis
  
   
  

• Initial Complaint

  Date:06/23/2025

  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.

  Personal Statement Personal Statement Personal Statement I recently reviewed a copy of my credit report and I was shocked to find I had been a victim of identity theft I do not recognize this account. Please remove this from my report. they are hurting my ability to obtain credit.***************** SYST Account # : **********

  Customer Answer

  Date: 06/24/2025

  I ******** ********** authorize this complaint .

  Business Response

  Date: 07/01/2025

  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:06/23/2025

  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.

  I have notified Experian on several different occasions of a fraudulent account on my ********************** report as a result of identity theft. I have filed all of the appropriate documentation, which includes an FTC report as well as a police report to Experian. They are refusing to block and delete the account pursuant to section 605B of the Fair Credit Reporting Act. Please see all the attached documentation below. I am requesting the account be removed ASAP.

  Customer Answer

  Date: 06/24/2025

  I am verifying that I ****** ***** submitted a this complaint to the BBB regarding Experian. They have failed to properly investigate my identity theft claims and remove accounts from my ********************** reports.

  Business Response

  Date: 07/01/2025

  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:06/23/2025

  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.

  Please Remove these hard Inquiries. I do not recognize and did not authorize these unauthorized inquiries. I have compiled a list including the dates they were unauthorized: Under FRCA 15 U.S. Code 1681i all unauthorized inquiries must be removed at consumers request if they are unauthorized.CAP ONE AUTO FIN VA DEALER 06-24-2024 ********************* 06-24-2024 ********* **NSUMER *** 06-24-2024 CREDIT ACCEPTANCE 04-12-2024 NOW**MWESTERN FUNDING 04-12-2024 NOW**MWESTLAKE FINANCIA 04-12-2024 ALLY FINANCIAL 04-11-2024 CAP ONE AUTO FIN VIA DEALER 04-11-2024 ******************** 04-11-2024 ********************* 04-11-2024 NOW**MWESTLAKE FINANCIA 04-10-2024 GLOBAL LENING SERVICES 04-06-2024 NOW**MWESTLAKE FINANCIA 04-06-2024 ALLY FINANCIAL 10-13-2023 CREDIT ACEPTANCE 10-13-2023 NOW**MWEST;LAKE FINANCIA 10-13-2023 UNITED AUTO CREDIT ** 10-12-2023 NOW**MAUTOMAX ******* 10-04-2023 **NSUMER PORTFOLIO SERVICES 10-03-2023 GLOBAL LENDING SERVICES 10-03-2023 EXTER FINANCE LLCWCG 03-13-2023 NCCINCMIDWAY AUTOHAS 09-13-2023

  Customer Answer

  Date: 06/24/2025

  I hereby confirm that I authorized and submitted this complaint.
  

  Business Response

  Date: 07/01/2025

  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:06/23/2025

  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 don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.Furthermore, In accordance with The Fair Credit Reporting Act, Public law ******, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please forward me an updated credit report after you have completed your Investigation and corrections.Your cooperation and prompt attention are greatly appreciated.************************ - 412061XXXXXXXXXX

  Customer Answer

  Date: 06/24/2025

  Second attempt to rectify this issue. Please investigate 

  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, 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: 07/02/2025

  
  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:06/23/2025

  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.

  Ive recently went over my credit report profile and was in disbelief when I realized that I was too a victim of identity theft. I do not recognize these accounts that were fraudulently opened in my name . This is hurting my chances of building and obtaining credit. These accounts are as follows. COLUMBIA DEBT RECOVERY DISCOVER CARD MIDLAND CREDIT MANAGEMEN SBNASELFLNDR ******* WIRELESS

  Customer Answer

  Date: 06/24/2025

  I authorized the submission of this complaint and Im  requesting assistance from BBB to help me with this matter.

  Business Response

  Date: 07/02/2025

  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: 07/03/2025

  
  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,
  
  Desno *****