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

14,300 total complaints in the last 3 years.
4,151 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:05/21/2025
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 my credit report and was alarmed to discover an account that I do not recognize. It appears I have been a victim of identity theft. I am requesting that this fraudulent account be removed from my credit report, as it is negatively impacting my ability to obtain credit
Customer Answer
Date: 05/21/2025
Yes I authorize this complaint
Business Response
Date: 05/27/2025
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
Customer Answer
Date: 05/27/2025

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,

******* ****-cal
Initial Complaint
Date:05/21/2025
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.
EXPERIAN is a consumer reporting agency that obtained, used, and included my nonpublic personal information and, or personally identifiable financial information in, and on my consumer report without my consent by way of fraud, and identity theft pursuant to 15 USC 6801. I have identified unauthorized accounts on my consumer report that were opened or accessed without my authorization resulting in identity theft. These accounts are fraudulent and do not reflect any actions or transactions that I have initiated or authorized. List of ********************************** AUTO FI - 501001XXXXXXXXXXX NAVY FEDERAL ********** ****** XXXXXXXXXX
Customer Answer
Date: 05/21/2025
Yes, I authorize this complaint.
Business Response
Date: 05/30/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers rebuttal.

Our records indicate that the disputed fraudulent accounts (MECHANICS BANK AUTO FI xx001 and NAVY FED ******** xx095)do not appear on the consumers current Experian credit report. A copy of the current Experian credit report is being mailed directly to the consumer for review.

Thank you for allowing me to assist you.

Sincerely,

Experian Consumer Affairs
Customer Answer
Date: 05/30/2025

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:05/21/2025
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 these hard inquiries, I did not authorize them.PATHWARD NA/OPORTUN 04/01/2025 ONE MAIN FINANCIAL SERV 02/15/2024 BK OF AMER 02/13/2024
Customer Answer
Date: 05/21/2025
Yes I authorized this complaint.
Business Response
Date: 05/26/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

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: 05/27/2025

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:05/21/2025
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 Ihave been a victim of identity theft. I do not recognize these accounts, please remove them from my credit report. They are hurting my ability to obtain credit.ATG CREDIT/140760XX ****************/603220XXXXXXXXXX MIDLAND CREDIT MANAGEM/304588XXX PORTFOLIO RECOV ASSOC/517805XXXXXXXXXX
Customer Answer
Date: 05/21/2025
Yes,I authorize this complaint.
Business Response
Date: 05/30/2025
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: 05/30/2025

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:05/20/2025
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 looked at my credit report recently and was shocked to see these 2 accounts that I don't recognize, please remove these because it is hurting me from obtaining credit COLUMBIA DEBT RECOVERY PRS0UDXXXXXXXXXXXXXX Amount $460.00 ROZLIN FINANCIAL GROUP ******XX Amount $235.00
Customer Answer
Date: 05/21/2025
I authorized this complaint
Business Response
Date: 05/29/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
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: 05/29/2025

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:05/20/2025
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 formal complaint against Experian Consumer Services for their failure to remove fraudulent and unauthorized information from my credit report. Despite submitting disputes, identity theft documentation, and supporting evidence, Experian continues to report inaccurate information that is harming my creditworthiness.Specifically, I am requesting immediate deletion of the following:Accounts to be removed:********* One Account #**************** Opened without my authorization Closed with a balance of $475 and marked 30 and 60 days late Currently listed as $50 past due2.*********************** (Original Creditor: T-Mobile) Opened 10/02/2024 Collection account with $110 balance This debt is not mine and appears to be related to identity theft Hard Inquiries to be removed:********* One 11/11/2024 2.Credit ******** NA 03/24/2025 Experian has failed to properly reinvestigate these accounts and inquiries as required by the Fair Credit Reporting Act (FCRA). This behavior violates my rights under 12 C.F.R. ******** (trafficking/ID theft protections) and 15 U.S. Code 1691b (against sham investigations). The continued reporting of these accounts and inquiries is creating barriers to obtaining credit, housing, and employment.Desired resolution:1.Permanently delete the *********** and ****************** accounts ******** all associated unauthorized hard inquiries 3.Provide written confirmation that the deletions were completed in compliance with federal law 4.Notify all third-party recipients of my credit file that this information was inaccurate and has been removed
Customer Answer
Date: 05/21/2025
Dear Jasmine ****,

This email is to confirm that I, ******** *********, authorized the submission of the complaint regarding Experian Consumer Services and am formally requesting assistance from the Better Business Bureau.

Here is a detailed description of my concern and interaction with the business:

Experian Consumer Services is reporting fraudulent and inaccurate information on my credit report, including an unauthorized *********** account (with late payments and a past-due balance) and a *********************** collection account (linked to T-Mobile), neither of which I opened or authorized. I have submitted disputes and documentation, yet Experian continues to report these items along with related hard inquiries. This is a violation of my rights under the Fair Credit Reporting Act and other federal protections for victims of identity theft and fraud.

I am requesting that these entries be permanently deleted and that Experian confirm compliance with applicable consumer protection laws.

Thank you for your attention to this matter.

Sincerely,
******** *********

Business Response
Date: 05/29/2025
Dear Better Business Bureau:

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,
Experian Consumer Affairs
Senior Regulatory Affairs Associate
Customer Answer
Date: 05/29/2025

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:05/20/2025
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.
H3**83837363934353537H has failed to remove and delete these fraudulent accounts on my report! I have disputed these accounts for months and months and nothing has been done!! I provided a police report and also a federal fraud report and the still make excuses and sending me stall letters! I need these accounts deleted or i will have no choice but to sue them in court! According to the **** fraudulent accounts should be taken seriously and removed within days not months! H3**83837363934353537H is violating my consumer rights according to the ****! I will not allow anymore time! My case needs to be taken seriously and those fraudulent accounts be removed immediately!! Accounts NCA #****** ******* BANK #**XXXX CREDIT ACCEPTANCE #**XXXX SMC ****** JEWELERS #**XXXX TRUCK STOP #**XXXX ****** FEDERAL #**XXXX CREDIT COLLECTION SERV #**XXXX
Customer Answer
Date: 05/20/2025
Everything is true and I need this fixed asap
Business Response
Date: 05/29/2025
Dear Better Business Bureau:

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

We are currently disputing credit acceptance the account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

Our records indicate that additional items do not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer Answer
Date: 05/29/2025

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,

****** ******* Jr
Initial Complaint
Date:05/20/2025
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 these hard inquires I don't know where they came from.JPMCB CARD 8/14/2024 AMEX 8/13/2024
Customer Answer
Date: 05/21/2025
I would like for these inquiries to be removed from my credit because I dont have an idea where they came from
Business Response
Date: 05/28/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

Our records indicate that the disputed fraudulent inquiries do 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: 05/29/2025

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:05/20/2025
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 noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will properly investigate this account to ensure accuracy. Here is the account I am asking you to verify is accurate: account name - COMMUNITYAMERICA CU Account number - ****************
Customer Answer
Date: 05/20/2025
I authorize this complaint !
Business Response
Date: 05/26/2025
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: 05/27/2025

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:05/20/2025
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 noticed that i was a victim of identity theft i do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit portfolio recov assoc acc:517805xxxxxxxxxx
Customer Answer
Date: 05/20/2025
Tray ****** ******** I authorize
Business Response
Date: 05/26/2025
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.

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: 05/27/2025

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,

***** ********

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Experian is NOT a BBB Accredited Business.