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

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

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Experian

  19125 North Creek Pkwy Ste 203 Bothell, WA 98011-8000

• 

  Creditchecktotal.com

  PO Box 2390 Allen, TX 75013

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date: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.

  Upon reviewing my credit report, I noticed several inaccuracies associated with the accounts listed. These accounts are negatively impacting my ability to obtain credit. I am requesting that you conduct a through investigation to verify the accuracy and completeness of my information, as required under the Fair Credit Reporting Act (15 USC 1681) .

  Customer Answer

  Date: 07/01/2025

  I authorize this submission to the BBB!

  Business Response

  Date: 07/04/2025

  Dear Better Business Bureau:
  
  Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
  
  We are currently reinvestigating the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 
  
  For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************
  
  For information related to fraud,please visit our website at: ******************************************************.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  
  Experian Consumer Affairs
  Senior Regulatory Affairs Associate

• Initial Complaint

  Date:07/01/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  please remove hard inquiry, i do not recognize the hard inquiry waterstone m 01/22/2025

  Customer Answer

  Date: 07/01/2025

  yes i authorize this complaint 

  Business Response

  Date: 07/07/2025

  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: 07/08/2025

  
  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:06/30/2025

  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 and fraudulent accounts. I do not recognize these.Fraudulent accounts:Kikoff Lending, Llc account XXXXXX opened 10/2022 Webbank Fingerhut account XXXXXXXXXXXX opened 8/2014 ******************** Gle account ********** opened 2/2020 Hard inquires:Affinity Plus Fcu

  Customer Answer

  Date: 07/01/2025

  Yes I authorize the complaint.

  Business Response

  Date: 07/03/2025

  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.

• Initial Complaint

  Date:06/30/2025

  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 shocked to see I had been a victim of identity theft. I do not recognize any of these accounts. Please remove these accounts from my ********************** report as they are hurting and affecting my ability to obtain credit.1) MIDLAND CREDIT MANAGEMEN-ACCT#- ************ MIDLAND ********************** MANAGEMEN-ACCT#- ************ MIDLAND ********************** MANAGEMEN- ACCT#- ****************** GLOBAL ********************- ACCT#- *********** RESURGEN/LVNV- ACCT #-****************

  Customer Answer

  Date: 07/01/2025

  Yes, I authorize this complaint.

  Business Response

  Date: 07/07/2025

  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: 07/07/2025

  
  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:06/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing this complaint against Experian for reporting a false repossession and multiple unauthorized hard inquiries. These violations of 15 USC 1681b(a)(2) and 15 USC 1681(a)(4) have caused me emotional distress, credit damage, and ongoing harm.I never gave written or verbal consent to the companies listed below to access my credit. In addition, the repossession showing on my file is inaccurate and unvalidated.?? Unauthorized Inquiries on My Experian File: GLOBALLEND 08/30/2023 GLOBALLEND 07/31/2023 FD/****** FED CREDIT U 06/30/2023 GLOBALLEND 07/05/2023 These credit pulls were not authorized by me and have negatively impacted my score. Under 15 USC 1681b(a)(2), they are unlawful without consent.?? Inaccurate Repossession:Repossession Account #******************************** is reporting a repossession that was never properly validated. No lawful investigation or consumer authorization took place. This is a violation of 15 USC 1681(a)(4), as the reporting is neither fair nor accurate.?? What Im Requesting:Delete all unauthorized inquiries listed above.Delete the repossession account completely.Send written confirmation of the removals.Provide proof if Experian believes these were properly reported.

  Customer Answer

  Date: 07/01/2025

  Yes i authorized this complaint 

  Business Response

  Date: 07/04/2025

  
  Dear Better Business Bureau:
  
  Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
  
  We are currently reinvestigating the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 
  
  For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************
  
  For information related to fraud,please visit our website at: ******************************************************.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  Experian Consumer Affairs
  Senior Regulatory Affairs Associate
  

• Initial Complaint

  Date:06/30/2025

  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 noticed an account that was not reporting accurately. I had 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 ive attached a copy of my report to this compliant on the following dates 09/23 I demand the payments be updated to paid of time immediately. You cannot report information with knowledge that this information has errors. I have substantials doubts about the accuracy of the information. Please update this account to PAID NEVER LATE!!!

  Customer Answer

  Date: 07/03/2025

  I authorized 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.
  
  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

  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:06/30/2025

  Type:Customer Service 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 inquiries I do not recognize them. ALLY FINANCIAL 06/07/2025 CREDIT ACCEPTANCE 06/07/2025 GLOBAL LENDING SERVICE 06/07/2025 NOWCOM/******** FINANC 06/07/2025 ALLY FINANCIAL 06/02/2025

  Customer Answer

  Date: 06/30/2025

  I submitted complaint 

  Business Response

  Date: 07/07/2025

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  We are in the process of blocking/removing the fraudulent inquiries from the consumer's credit report.Upon completion of this process, we will provide the results of our investigation directly to them.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.

  Customer Answer

  Date: 07/08/2025

  
  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:06/30/2025

  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.

  Experian failed to comply with FCRA Section 611 and 623 regarding reinvestigation and furnishing accurate information. I am demanding that these accounts be corrected or removed and that Experian face investigation for noncompliance.This institution have failed to comply with the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681i, 1681s-2, 1681n, and 1681o.

  Customer Answer

  Date: 06/30/2025

  Experian failed to comply with FCRA Section 611 and 623 regarding reinvestigation and furnishing accurate information. I am demanding that these accounts be corrected or removed and that Experian face investigation for noncompliance. This institution have failed to comply with the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681i, 1681s-2, 1681n, and 1681o.

  Business Response

  Date: 07/08/2025

  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:06/30/2025

  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 a complaint against ************* and Experian for inaccurate and misleading reporting of a collection account in violation of the Fair Credit Reporting Act (FCRA) and Metro 2 reporting standards.************* is reporting a collection account with a balance of $17,795 as past due on my Experian credit report, with a status line that reads: Collection account. $17,795 past due as of May 2025. According to Metro 2 guidelines, which govern industry-standard credit reporting practices, collection accounts must not include a past due balanceonly the total balance owed. The use of past due in the status of a defaulted or charged-off debt is false, misleading, and materially affects my creditworthiness.This misrepresentation violates FCRA 1681s-2(b), which requires furnishers of information to report data that is accurate and not misleading. Furthermore, Experian is complicit in publishing this false information, even though it has a duty to maintain reasonable procedures to assure maximum possible accuracy under FCRA 1681e(b).I demand that the **** investigate this matter and compel ************* and Experian to immediately remove or correct the false past due designation from this account. Please confirm receipt and provide any updates or documentation related to this investigation.

  Customer Answer

  Date: 06/30/2025

  This letter is to confirm that I, ******* *****, authorized the submission of the complaint filed with the BBB on 06/30/2025 against ************** and Experian. I am formally requesting assistance from the BBB in resolving this matter.
  
  
  My complaint concerns inaccurate and misleading reporting on my Experian credit report by **************, which is showing a collection account with a past due balance of $17,795. According to Metro 2 standards, collection accounts should not reflect a past due designationonly a total balance owed. This reporting is not only false and misleading, but it materially impacts my creditworthiness and violates FCRA 1681s-2(b). Experians continued publication of this inaccurate datadespite being notifieddemonstrates a failure to maintain procedures to assure maximum accuracy, in violation of FCRA 1681e(b).
  
  
  I respectfully request that BBB assist in compelling both entities to either remove or correct the inaccurate past due language and confirm whether an investigation has been initiated. I am available to provide additional documentation or clarification if needed.
  
  

  Business Response

  Date: 07/04/2025

  Dear Better Business Bureau:
  
  Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
  
  We are currently reinvestigating the information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer. 
  
  For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************
  
  For information related to fraud,please visit our website at: ******************************************************.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  Experian Consumer Affairs
  Senior Regulatory Affairs Associate

• Initial Complaint

  Date:06/30/2025

  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 discovered I had been a victim of identity theft please remove this account from my ********************** report its affecting my ability to obtain credit.National credit systems Account# ******

  Customer Answer

  Date: 06/30/2025

  I authorize this complaint 

  Business Response

  Date: 07/07/2025

  
  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  Our records indicate that the disputed NATIONAL CREDIT SYSTEMS 49xxx 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.
  
  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.