Business Profile

Credit Reporting Agencies

Experian

This business is NOT BBB Accredited.

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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

14,993 total complaints in the last 3 years.
5,339 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:06/29/2025
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 just checked my credit report and was stunned that I've fallen victim to identity theft. I do not recognize these accounts at all. Please take them off my credit report because they are damaging my ability to obtain credit. TBOMMILESTONE Acct number: ****************
Customer Answer
Date: 06/29/2025
I confirm the confirmation of this complaint. Thank you
Business Response
Date: 07/04/2025
Dear Better Business Bureau:

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

We are currently investigating the contract callers disputed 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 the additional disputed 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.

Sincerely,
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer Answer
Date: 07/08/2025
I do not accept the business response and look forward to a solution. Thank you
Business Response
Date: 07/15/2025

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: 07/16/2025

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:
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 surprised to see i was a victim of identity theft i do not recognize these accounts please remove them from my credit report it is hurting my chances to obtain credit FAIR COLLECTIONS & OUTSOURCING ******X MRS *** LU1XX2XXXXXXX ONLINE INFORMATION SERVI 817236XXXXXXXXXX
Customer Answer
Date: 06/30/2025
Yes I authorize this complaint
Business Response
Date: 07/07/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

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

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.
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: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 Experian has violated Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Debt Of Education/NELN ******xxxxxxxxx Debt Of Education/NELN ******xxxxxxxxx US Debt Of ********* ******xxxx Delete
Customer Answer
Date: 07/02/2025
Yes I confirm that I would like the BBB to help me with this problem I have with this business.
I would like a thorough investigation with my credit report from this business
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: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.
NOTICE AND DEMAND FOR SETTLEMENT AND IMMEDIATE REMOVAL OF UNAUTHORIZED ACCOUNTS FROM ********************** FILE To Whom It May Concern,This letter serves as a formal Notice and Demand pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., to dispute and request immediate investigation, verification, and/or deletion of the following accounts that have been inaccurately and unlawfully reported on my consumer credit report.Upon reviewing my recent credit file, I identified one or more accounts reported by your company that I do not recognize and which appear to be inaccurate, unverifiable, or unauthorized. These entries are causing substantial harm to my personal and financial reputation and are a violation of federal law if they cannot be substantiated with proper **************** permitted by FCRA 609 (15 U.S.C. 1681g) and 611 (15 U.S.C. 1681i), I am demanding the following:1. Full Verification and Disclosure of Reporting Standards:Please provide the following for each disputed account:- Full copies of any original application, contract, or signed agreement bearing my signature or proof of my authorization to open the account.- A Metro 2 compliance audit, which must include:- The Header Record (18 fields)- The Base Segment (49 fields)- The Trailer Record (47 fields)- *** associated codes or data used to determine account validity You are required to demonstrate that these accounts were reported in full compliance with Metro 2 data standards, as required by the ********************************** (****) and enforced by federal regulation.
Customer Answer
Date: 06/30/2025
My name is ****** ***** and this is my written confirmation.
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.
989983XXXXXXXX ******* WIRELESS I recently reviewed a copy of my credit report and was shocked to find I had been the 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.
Customer Answer
Date: 06/29/2025
Yes, I authorized 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: 07/09/2025

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: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.
CREDIT BUREAU FAILS TO CONDUCT INVESTIGATION INTO MY DISPUTE AND VIOLATES FCRA LAWS BY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE DESPITEE REPEATEDLY REQUESTS TO DELETE FRADULENT INFORMATION.
Customer Answer
Date: 06/29/2025
Credit bureau reporting inaccurate information and must cease and desist.
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:06/28/2025
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.
*RE: Dispute of Incorrect Charge-Off Reporting **************** Account Ending in 7973 Dear Experian,I'm writing to dispute an error I noticed on my credit report regarding an old **************** account (ending in *7973). According to my records and your report this account was charged off and closed on March 9, 2022. However, your report still shows that the balance and past due amount kept increasing well after the account was closed.That doesnt make sense. Once an account is closed and charged off, the balance shouldn't keep going up month after month. It seems like this information is either outdated or being reported incorrectly, which could hurt my credit unfairly.Under the Fair Credit Reporting Act, all the information on my credit report must be accurate and complete. Im asking that you investigate this account delete it altogether if the information cant be verified.
Customer Answer
Date: 06/29/2025
I authorize the submission of this complaint and I am requesting assistance from BBB.
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:06/28/2025
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.
Experian does not properly investigate disputes nor do they provide proof of how they verified an account.
Customer Answer
Date: 06/28/2025
I confirm that I submitted this complaint.
Business Response
Date: 07/07/2025
Dear Better Business Bureau:

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

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:06/28/2025
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.
The Following Inquires and Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately:1. ****************** ******xxxx Original creditor: ********************************************** 2. **************** ******xxxx Original Creditor: Credit one **************** 3. ************************ *****xxx Original Creditor: PECO 4. ********************** ******xxx Original Creditor: *************************** 5. Consumer Financial SVC ******xxxx Inquiries:1. ************** June 4th, 2025 consumer reporting agency consumer identity theft, 2. ************** c/o *** June 4th, 2025 3. ***************** of o June 4th, 2025 4. Santander Consumer Usa June 4th, 2025 5. ***** Auto June 4th, 2025 My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Customer Answer
Date: 06/28/2025
The Following Inquires and Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately:
1. ****************** ******xxxx
Original creditor: **********************************************
2. **************** 379363xxxx
Original Creditor: Credit one **************** 3. ************************ *****xxx Original Creditor: PECO
4. ********************** ******xxx Original Creditor: *************************** 5. Consumer Financial SVC ******xxxx Inquiries:
1. ************** June 4th, 2025
consumer reporting agency
consumer
identity theft,

2. ************** c/o *** June 4th, 2025
3. ***************** of o June 4th, 2025
4. Santander Consumer Usa June 4th, 2025
5. ***** Auto June 4th, 2025
My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Business Response
Date: 07/07/2025
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.

We are responding to your request that an address(es) in your personal credit report be blocked due to identity theft. Based on our review of your request,the address(es) that you requested to be blocked are associated with at least one account that you did not identify as fraudulent nor was the account included on an identity theft report.

Because the address is associated with a legitimate account, we are declining your request to block the address(es). If you believe all accounts associated with the address are fraudulent, please submit a valid identity theft report as to those accounts.

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:06/28/2025
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've recently looked at my Experian credit report and there are inaccuracies being reported on my Experian credit report. This is hurting my overall ability to purchase a home in the near future. I am requesting that you conduct a thorough investigation of the following account to confirm its accuracy and ensure all information is correctly reported.Account name: DISCOVERC Account number: ************
Customer Answer
Date: 07/01/2025
I ****** **** confirm, and Experian is reporting inaccuracies on my experian credit reporting hurting my ability to purchase a home in the near future.
Business Response
Date: 07/03/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

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

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

****** ****

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Experian is NOT a BBB Accredited Business.