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

14,905 total complaints in the last 3 years.
5,228 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:07/01/2025
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 because Experian continues to report a collection account for **************** despite the fact that it is unverified.I submitted a formal debt validation request to the collector, ***********************, and they failed to respond. Under FCRA 1681i, Experian is obligated to remove or correct inaccurate and unverified information.The account is still reporting as of May 31, 2025, and is harming my credit score and financial opportunities.Requested resolution:Permanent deletion of the account Written proof of deletion Compensation for financial and emotional damages Confirmation of Experian's adherence to the ****
Customer Answer
Date: 07/02/2025
Hi Jasmine ****.

This is my written confirmation that I authorized the submission of the complaint against Experian Consumer Services, and I am requesting the BBBs assistance in resolving this issue.

Description of My Concern:
I initially disputed the ******* Wireless account directly with ********************** after noticing it on my credit report. Experian responded that the account had been verified as accurate by the furnisher.

However, shortly after filing that dispute, I received a collection notice from ***********************, claiming to collect on the same account. This indicates the bureau may have reported the account without any actual validation from the debt collector at the time of my dispute raising serious concerns about the integrity of the reinvestigation process.

To date, ****************** has not responded to my certified debt validation request. I have received no documentation, no contract, and no proof of the debt. Despite this, Experian continues to report the account as a derogatory collection, last updated as of May 31, 2025.

This failure to conduct a proper reinvestigation violates my rights under:

- FCRA 1681i failure to reinvestigate
- FCRA 1681s-2(b) failure to ensure accuracy after a dispute
- FDCPA 1692g(b) continuing to collect without validation

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.

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.

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:07/01/2025
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 obtained and reviewed a copy of my credit report and was shocked to discover accounts and ********************** that I did not authorize, recognize, or open. These items are a result of identity theft, and I request that they be removed from my credit file immediately.
Customer Answer
Date: 07/03/2025
Yes, I'll authorize this complaint.
Business Response
Date: 07/11/2025
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: 07/14/2025

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:07/01/2025
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 my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy, this account has not been late on payments. I have attached a copy of my report to this complaint on the following date 02/25 Heights Finance I demand this payments be updated to paid on time immediately. You cannot report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE,
Customer Answer
Date: 07/01/2025
This complaint may have simuliar wording to other complaints but is authorized by me, ******* *****
Business Response
Date: 07/09/2025
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
Initial Complaint
Date:07/01/2025
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.
A debt is being reported on my credit by a collection agency relating to ****************. I have no prior relationship with this collection agency, nor have I entered into any agreement authorizing them to report on my credit file. Therefore, I am requesting that this entry be removed from my credit report.
Customer Answer
Date: 07/02/2025
******* *****
7/2/2025
Better Business Bureau
Serving the Pacific Southwest, Central & Inland **********
This is a written confirmation that I have authorized the submission of the complaint involving Experian, and I am formally requesting the assistance of the Better Business Bureau in this matter. I am contacting BBB due to Experian collecting a debt from **************** and showing on my credit report. I just wanted to clarify that I have not signed any contract with Experian, nor have I authorized Experian to collect any debt in my name. Due to this the debt with **************** be removed off my credit report.
Business Response
Date: 07/09/2025
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:07/01/2025
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 hard inquiries. I do not know where these came from. ***************** WFBNA Card --JPMCB Card 05-16-25 WFBNA Card 04-15-25 ComenityCapital-RossMC 03-16-24 SYNCBAmazon PLCC 03-11-24 SYNCBEBAY 09-16-23 JPMCB Card 06-08-23
Customer Answer
Date: 07/01/2025
I CONFIRM that the complaint was submitted by me, **** D Young
Business Response
Date: 07/09/2025
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:07/01/2025
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 I was shocked to find out that I have been a victim of identity theft I do not recognize these accounts, please remove from my credit report they a hurting my ability to obtain credit and they are negatively affecting my personal life. Account Name: CREDENCE RESOURCE MANAGE Account Number ********* Date Opened 03/22/2025 Balance $4,159 Account Name ********************** COLLECTION SERVIC Account Number ******** Date Opened 10/02/2021 Balance $119 Account Name PROCOLLECT,INC Account Number *************** Date Opened 09/20/2022 Balance $6,254 Account Name PORTFOLIO RECOVERY ASSOCIATES Account Number **************** Date Opened 06/24/2024 Balance $287
Customer Answer
Date: 07/01/2025
I ***** ********* confirm that I authorized the submission of this complaint and that I am requesting assistance from BBB.
I am concerned about the information that this credit bureau is reporting on my credit report due to the fact that is a result of Identity Theft. Not only has this been affecting my ability to obtain credit but I am not able to find a home to live in due to the information they are reporting and I am almost to the point of being homeless. I have attached the *** identity theft report as well as all the information proving that this is a result of my identity being stolen.
Business Response
Date: 07/09/2025
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 Procollect 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: 07/09/2025

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:07/01/2025
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 NO KNOW WHERE THESE CAME FROM JPMCB AUTO 5/17/2024 ******** *** 5/17/2024 ALLY FINANCI 5/17/2024 FEB/DESTINY 7/25/2024
Customer Answer
Date: 07/02/2025
YES I AUTHORIZED THIS COMPLAINT
Business Response
Date: 07/09/2025
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: 07/09/2025

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:07/01/2025
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.
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. Its my understanding that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify as accurate. ************** 300002XXXXXXXXXXX.
Customer Answer
Date: 07/01/2025
yes this was me that submitted this complaint
Business Response
Date: 07/09/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

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..

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:07/01/2025
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.
After reviewing my full credit report recently I've discovered that I have been a victim of identity theft I don't recognize this Account It doesn't belong to me please immediately remove this from my credit report ACCOUNT NAME: RADIUS GLOBAL SOLUTIONS ACCOUNT NUMBER: 4351
Customer Answer
Date: 07/01/2025
YES I AUTHORIZED THIS COMPLAINT.
Business Response
Date: 07/09/2025
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: 07/09/2025
I DEMAND THIS account be deleted this account does not belong to me the account is also reporting a charge off every month going back years a charge off is a one time event this is highly illegal reaging I DEMAND THIS ACCOUNT BE DELETED OFF MY REPORT THE OWNERSHIP IS NOT CORRECT AND THE **** BEING DISPLAYED ALSO IS NOT CORRECT
Business Response
Date: 07/11/2025

Dear Better Business Bureau:

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

Our records indicate that the disputed accounts do not appear on the consumers current Experian credit report.

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

Thank you for allowing me to assist you. Don't hesitate to get in touch with our office if you have any questions.

Sincerely,

Experian Consumer Affairs

Customer Answer
Date: 07/14/2025

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:07/01/2025
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.
Estoy presentando esta queja contra Experian por negarse a corregir mltiples errores en mi informe crediticio, a pesar de haber enviado disputas formales conforme a la *****He solicitado que se corrija o elimine informacin incorrecta sobre las siguientes cuentas:1. Apple Card (***********): Reportada como "charge-off" con saldo pendiente. Esta cuenta ya haba sido eliminada y luego fue reinsertada sin notificacin, lo cual viola la Seccin 611(a)(5)(B) de la *****2. ********** (***/****): Reportada con pagos tardos en Experian, a pesar de haber sido cerrada por inactividad. No se ha proporcionado evidencia verificable.3. ******** Experian contina reportando pagos atrasados sin justificacin documental ni verificacin adecuada.Las disputas fueron ignoradas o mal procesadas. Solicito la intervencin de BBB para exigir a Experian una revisin formal y eliminacin de informacin inexacta conforme a las leyes federales.Esta situacin afecta negativamente mi puntaje crediticio y mi capacidad de obtener crdito justo.
Customer Answer
Date: 07/02/2025
July 2, 2025

Better Business Bureau
Attn: Complaint Confirmation

******: Confirmacin de identidad y aclaracin de queja -Caso #BBB-CASO-EXP001

Por medio de la presente, yo, ***** ******* ******* ****,con domicilio en *****************************************************************, confirmo que fui la persona que present la queja ante el Better Business Bureau contra Experian, bajo el nmero de caso23541749

Reitero que la informacin proporcionada en mi queja es verdica y corresponde a mi experiencia directa como consumidor.

Quiero aclarar que el problema no ha sido resuelto, y la empresa no ha respondido a mis solicitudes de contacto. Sigo exigiendo que se atienda y corrija la informacin incorrecta que Experian mantiene en mi historial crediticio.

Agradezco el seguimiento de mi caso y quedo atento a cualquier actualizacin.

Atentamente,

***** ******* ******* ****
*********************************************************
Business Response
Date: 07/09/2025
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.