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

14,990 total complaints in the last 3 years.
5,329 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:06/30/2025
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.
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 submitting this complaint regarding two accounts that have recently appeared on my credit reportsone from Discover Card and another from American Heritage. I am formally disputing both accounts, as I do not recognize or authorize them, and no proper documentation has been provided to confirm their legitimacy.I have filed a report with the ************************ (***) outlining these concerns, as they may involve identity theft or unauthorized reporting activity. Under the Fair Credit Reporting Act (FCRA), including 15 U.S.C. 1681i and 1681s-2, both furnishers and credit reporting agencies are legally required to ensure that all information reported is accurate, verified, and subject to timely investigation when disputed.Despite notifying the credit reporting agenciesExperian, Equifax, and ************ my dispute, the accounts continue to be reported without resolution or supporting evidence. This ongoing failure to investigate or remove unverified information is harmful and inconsistent with the responsibilities outlined by federal law.I respectfully request the Better Business Bureau assist in obtaining a formal response and resolution from Discover Card and *****************. I grant full permission for the BBB to act on my behalf in this matter to ensure all involved parties comply with their obligations under the *****Thank you for your time and attention to this matter.
Customer Answer
Date: 07/07/2025
Yes, i do.
Business Response
Date: 07/11/2025
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
Initial Complaint
Date:06/29/2025
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 do not know where these hard inquiries came from. Please remove them:United Auto Credit Co02/20/2025 Bk of Amer03/19/2025 ******* ******** Dodge Jeep04/04/2025 Global lending services llc03/20/2025 Western funding incorporated 03/18/2025 ******* Chys04/04/2025 Onemain03/19/2025 Prestige fin03/18/2025 Tbom/milesto 06/24/2025
Customer Answer
Date: 06/30/2025
I CONFIRM that I authorized the submission of this 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: 07/07/2025

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:06/29/2025
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.
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 EXPERIAN will investigate this account for me to ensure accuracy, Here is the account I am asking you to verify as accurate OPENSKY CBNK Account Number: ****************
Customer Answer
Date: 06/30/2025
To whom it may concern I ***** **** born on ************** last 4 of my social 9729 is authorizing the BBB to assist me in getting this matter resolved. I am a victim of identity theft I need this account deleted and blocked from my credit report immediately! God Bless.
Business Response
Date: 07/08/2025
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
Initial Complaint
Date:06/29/2025
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 recognize these hard inquiries. Self Financial/Lead BA 06/20/2024, Greensky Installment 06/20/2024, JPMCB Card 10/23/2023,and Credit One Bank NA 08/30/2023
Customer Answer
Date: 06/30/2025
Yes, I authorized this complaint. Thank you for your time in this matter.
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.

By federal law, a consumers personal credit report must list all organizations that have requested their credit history. In accordance with the Fair Credit Reporting Act (FCRA), entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted credit or with whom Ms. ****** has applied for credit, or entities collecting on transactions that were initiated, or, on judgments rendered against a consumer,are permitted to make inquiries on their credit report. Requests for consumers credit history remain on their personal credit report for at least two years.

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: 07/07/2025

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:06/29/2025
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.
Let this letter serve as final notice that if Experian does not:Correct this billing error,Conduct a legally sufficient reinvestigation, and Provide proof of accuracy or remove the disputed items,I will consider this a willful violation of my federally protected rights, and proceed with further legal remedies.This correspondence is issued Without Prejudice, and I reserve all Natural and Inalienable Rights as a private American citizen.Thank you for your immediate attention to this matter. I expect full compliance and a response within the 30-day period required by law.Sincerely,******* Matilda ******
Customer Answer
Date: 06/30/2025
Please stop and process my request to take action with Experian.
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:06/29/2025
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.
Upon checking my credit report, I noticed that there are fraudulent inquiries on my credit report. Please remove these fraudulent inquiries. These inquiries were made without my ************** FEDERAL ******** 06/08/2025 FNB ***** 05/29/2025
Customer Answer
Date: 06/30/2025
Yes, I submitted this complaint. There are 2 unauthorized fraudulent inquiries on my personal Experian credit report.
NAVY FEDERAL ******** 06/08/2025
FNB OMAHA 05/29/2025
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
Initial Complaint
Date:06/29/2025
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 a victim of identity theft as a result of the EQUIFAX DATA BREACH. Attached you will find the information which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft.Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Enclosed are the following:A copy of my credit report. The fraudulent items are circled.A copy of my Identity Theft Report and proof of my identity.Validation of EQUIFAX DATA BREACH.A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that information.Your prompt attention with this matter is appreciated.
Customer Answer
Date: 06/30/2025
As previously mentioned, I am a victim of the ************ Breach, which has resulted in inaccurate and invalid information appearing on my credit report. Enclosed, you will find documentation confirming my involvement in the ************ Breach, along with the applicable statutes outlining my rights and the obligations of the credit reporting agency. I have also included details regarding the specific items I am requesting to be removed from my report.

Additionally, I have provided a copy of my drivers license and a utility bill to verify my identity.
Business Response
Date: 07/03/2025

Dear Better Business Bureau:

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

We are currently reinvestigating the information with which the consumer disagrees. Upon completion, we will provide the results of our investigation directly to the consumer.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Experian Consumer Affairs
Customer Answer
Date: 07/07/2025

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:06/29/2025
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 obtained a copy of my credit report and was shocked to discover two accounts that I did not open and do not recognize. These accounts are:1. ************************: ONLINE INFORMATION SER?Account Number (Partial): **************** 2. ************************: FINANCIAL ASSISTANCE?Reference ID: ******* I did not authorize these accounts, have never done business with either company, and have no knowledge of how my personal information was used to open them. These are not my debts and are the result of identity theft.These fraudulent accounts are damaging my credit and affecting my ability to obtain financing. I am requesting that both accounts be permanently removed from all credit reports and that any collection activity be stopped immediately.I am submitting this statement as part of my official identity theft report.
Customer Answer
Date: 06/30/2025
I filed this report after reviewing my credit file and discovering two accounts that I did not authorize, open, or recognize. The accounts in question are:

Creditor: ONLINE INFORMATION SER

Creditor: FINANCIAL ASSISTANCE

I affirm that these accounts were opened without my knowledge or consent. I have never done business with either company, nor have I authorized anyone to use my personal information to open accounts on my behalf.

This complaint is part of my official identity theft report.
I am seeking:

Permanent removal of both accounts from all ********************** reporting agencies
Immediate cessation of all collection activity
Confirmation that these companies will not attempt to validate or pursue these fraudulent debts

Business Response
Date: 07/08/2025
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
Initial Complaint
Date:06/29/2025
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 report and I was shocked to find I had been the victim of identity theft. I do not recognize these accounts.Please remove these from my credit report, they are hurting my ability to obtain credit.
Customer Answer
Date: 06/30/2025
I authorize the submission of this complaint and I am requesting assistance from BBB.
I would like to have this removed from my report as it is hurting my ability to receive credit.
Business Response
Date: 07/08/2025
Dear Better Business Bureau:

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

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

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,
******* ********
Experian Consumer Affairs
Senior Regulatory Affairs Associate

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Experian is NOT a BBB Accredited Business.