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

14,957 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:06/23/2025
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.
I need for Experian to process my claim for potentially unauthorized items on my credit reports pursuant to FCRA 605b. See the attached documentation for my disputes and all personal information.
Customer Answer
Date: 06/24/2025
I already gave a detailed interaction and I am the person submitting this complaint. Not sure what else you want from me..
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.
I need for Experian to process my claim for potentially unauthorized items on my credit reports pursuant to FCRA 605b. See the attached documentation for my disputes and all personal information.
Customer Answer
Date: 06/25/2025
Yes i authorized this myself and I need the help of the BBB
Business Response
Date: 07/02/2025
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.

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:06/23/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Please remove hard inquiries I do not know where these came from *********** (finance) Apr 4, 2025 VU/****** (Finance) Mar ******* ********** (Miscellaneous) Feb 19, 2025
Customer Answer
Date: 06/24/2025
Yes I authorized the submission of this complaint
Business Response
Date: 07/01/2025
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: 07/02/2025

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,

Remiel Israel
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.
I am filing this complaint against Experian due to their failure to resolve inaccurate 60-day late payment entries on my student loan accounts, reported by Navient, which severely damage my credit. I disputed these entries on March 25, 2025, citing seven accounts ****************** with reporting dates of 02/16/2007, 09/07/2004, 09/06/2005, 06/05/2006, 09/01/2006, 11/22/2005, and 12/26/2006, all falsely marked late for March 2025. Despite the ***** 30-day resolution requirement, over 90 days have passed, and Experians April 23, 2025, response addressed irrelevant inquiries instead. Their recent CFPB reply claims Navient verified the data, but Navient deflected my July 18, 2024, dispute to MOHELA (who ignored my March 25, 2025, dispute) without proof. This violates 15 U.S.C. 1681i(a)(1) and 1681e(b). I demand Experian reinvestigate, remove these unverifiable entries per 15 U.S.C. 1681i(a)(5), and provide an updated report. Their negligence ***** my credit, and I may pursue legal action under 15 U.S.C. 1681n if unresolved. Contact: ****** ****** *****, ********************************************, (329) *******. Date: June 23, 2025
Customer Answer
Date: 06/24/2025
To BBB Serving the Pacific Southwest, Central & Inland ***********
I, ****** ****** ****** confirm that I personally authorized the submission of this complaint regarding Experian and am requesting your assistance. This dispute arises from Experians failure to correct inaccurate 60-day late payment entries on my student loan accounts ****************** reported for March 2025, with dates of 02/16/2007, 09/07/2004, 09/06/2005, 06/05/2006, 09/01/2006, 11/22/2005, and 12/26/2006. Despite my dispute on March 25, 2025, and over 90 days passing, Experians April 23, 2025, response addressed irrelevant inquiries and their CFPB reply relied on unverified ************* violating the Fair Credit Reporting Act. This ***** my credit, and I seek BBB mediation to compel Experian to reinvestigate and remove these entries. Contact: ********************************************* (329) *******.
Date: June 24, 2025
Sincerely,
****** ****** *****
Business Response
Date: 07/01/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

We are currently reinvestigating the disputed MOHELA/NAVIENT account ********************** with which the consumer disagrees.Upon completion of this process, we will provide the results of our investigation directly to them.

If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows:not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates, amounts,balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.

Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

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:06/23/2025
Type:Order 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 them *************** 04/11/24 Alliance Acceptance 04/05/24 Nowcom/streamline moto 04/11/24 Nowcom/All AMERICA TR 04/05/24
Customer Answer
Date: 06/23/2025
Yes I filed 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 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: 07/03/2025

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:06/23/2025
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.
Im seeing multiple hard inquiries on my credit report that I dont recognize or authorize. Im requesting your assistance in having them removed. Thank you in advance!********** 11/15/2024 ****************** 01/27/2025 ***** CARD 07/27/2024
Customer Answer
Date: 06/23/2025
Yes, I authorized 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 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: 07/03/2025

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:06/23/2025
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.
I recently reviewed a copy of my credit file and was surprised to see that I was a victim of credit fraud. Please remove the account from my file as it is hurting my ability to obtain credit.
Customer Answer
Date: 06/23/2025
I authorize the submission of this compliant and need assistance from BBB with this matter.
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.
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 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 account please remove from my credit report they are hurting my ability to obtain credit
Customer Answer
Date: 06/23/2025
Yes I authorize this complaint
Business Response
Date: 07/01/2025
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: 07/02/2025
I authorize the dispute
Business Response
Date: 07/09/2025

Dear Better Business Bureau:

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

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: 07/10/2025

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:
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.
Hello I did not authorize these companies to pull my credit report and some of them have done it multiple times in aspan of 3 months or so. I want these removed as quickly as possible as I investigate what is going on.Mid Atlantic Finance 05/07/2025 Mid Atlantic Finance 04/28/2025 Nowcom/Western Funding 04/28/2025 *************** 04/28/2025 Nowcom/Western Funding 03/31/2025 Mid Atlantic Finance 03/29/2025 *************** 03/29/2025 Satander Consumer Usa 3/23/2025 ********************** 03/23/2025
Customer Answer
Date: 06/23/2025
I authorize the submission of 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:
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 asking for a reinvestigation on the late payment on my Exeter Finance account. Account number ********. I disputed this account 12/01/2023 by certified mail, I will send receipts. I now know the investigation was not done correctly. The credit reporting agencies have 15 days to show proof of the letter that I should have received within 21 days before the due date. If not, they must update the account to paid on time.
Customer Answer
Date: 06/23/2025
I am asking for a reinvestigation on the late payment on my Exeter Finance account. Account number ********. I disputed this account 12/01/2023 by certified mail, I will send receipts. I now know the investigation was not done correctly. The credit reporting agencies have 15 days to show proof of the letter that I should have received within 21 days before the due date. If not, they must update the account to paid on time.
Business Response
Date: 07/08/2025
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.