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

  PO Box 14108 Orange, CA 92863

• 

  Experian

  PO Box 9701 Allen, TX 75013

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Experian

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

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:03/08/2023

  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.

  On 2/4/23 I wrote a dispute to all consumer reporting agencies, Experian, Equifax and TransUnion about all the unauthorized hard inquiries that they are reporting. My letters have been ingnored by Experian and TransUnion and Equifax claims that they are valid inquiries with no proof of validation or a method of verification which clearly shows that they did not conduct a proper investigation or an investigation at all most likely. Under the **** it clearly states that under permissible purpose what constitutes a valid hard inquiry. 1. A firm offer of credit 2. Insurance 3. A court order 4. Employment I don't know how these all got on my report because I didn't give permission or sign off any kind of authorization to run my credit nearly 50 times. I want them deleted immediately along with the personal information that is also inaccurate or outdated. Please see the attached list of unauthorized/unknown accounts.

  Business Response

  Date: 03/15/2023

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

• Initial Complaint

  Date:03/08/2023

  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'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100% exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched. I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as My information was impacted by the ************ breach and may have gotten into the hands of the wrong person. You are reporting negligently and inaccurately and failing to comply to the FCRA.I realise you have no legal standing as a federally protected consumer, and you can't employ an attorney against me.I'll file for a default judgement, and ill file a class action lawsuit for violations, stress, and mental anguish, as well as at least 1% of the corporation, under TILA ****, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

  Business Response

  Date: 03/15/2023

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

• Initial Complaint

  Date:03/08/2023

  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.

  Hello, my name is *************************** and I have a couple of accounts on my credit report that I do not recognize. I am a victim of identity theft and did not make those charges. I ask that the item be deleted to correct my credit report please. I am unsure on who is using my information or how they even got my information. Please help me with removing these accounts

  Business Response

  Date: 03/15/2023

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

• Initial Complaint

  Date:03/08/2023

  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.

  Hello, I am *****. Can you please help me figure out how to correct my credit report. I have inquiries for dates I havent even requested any kind of credit/funding on my report that do not belong to me. I Also have some closed accounts thats on my credit report that do not belong to me. Thank you for your prompt matter and your time!

  Business Response

  Date: 03/15/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
  
  We have mailed a current credit report directly to the consumer for review.  If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute.  Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error.  If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be.  Please specify the item or account name and number.
  
  Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth).  Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
  
  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  ***********************
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

  Customer Answer

  Date: 03/16/2023

  
  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:03/08/2023

  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.

  Hello I am ************************* and I am writing because someone has stolen my personal information. I checked my credit report and noticed its an account that does not belong to me I am not the one who created that account please help me block this fraudulent account and its inaccurate information from my credit report please. Thank you so much for your time and assistance!

  Business Response

  Date: 03/16/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
  
  We have mailed a current credit report directly to the consumer for review.  If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute.  Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error.  If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be.  Please specify the item or account name and number.
  
  Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth).  Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
  
  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  ***********************
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

  Customer Answer

  Date: 03/16/2023

  
  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:03/08/2023

  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.

  I'm not liable for this debt with Sprint and I do not have a contract with ******************. I have asked for a payment history and contract and either have been given to me. 15.us1681e(b) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. I demand this Collection be removed from my credit report.

  Business Response

  Date: 03/15/2023

  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 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. Box ****, ******** 75013.
  
  Thank you for allowing me to assist you.  Please contact our office if you have any questions.
  
  Sincerely,
  
  Experian
  
  ************

• Initial Complaint

  Date:03/08/2023

  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 a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I cannot get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we cannot help you. I filed a police report last year on (03/08/2022)(7412589632) with (*************************************. . This is my ************ breach settlement number (P4BN7-XDWQG). Ive also mailed in certified letters to Experian.Tracking number (**********************) I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. *** faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter (*******************************************************************, ****************************************************************************************) He notice several instances where Experian are in non-compliance with the ***** Im a victim but Im treated as if Im nothing. Experian continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Experian did not go through the original furnisher to verify these accounts are mine and they must do so under the *****If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If Experian fails to notify me that they will be reinserting an item on my credit report in writing **** (A)(5)(B)(iii) results in $1000 fine. As Experian has violated the *****. Experian has refused to remove fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the **** section 623. I plan of taking full legal action if accounts are not removed by (03/13/2023).

  Business Response

  Date: 03/15/2023

  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. Box ****, *****,** 75013.
  
  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,
  
  
  *********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

• Initial Complaint

  Date:03/08/2023

  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.

  For continuously reporting unverified information on my report

  Business Response

  Date: 03/15/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
  
  We have mailed a current credit report directly to the consumer for review.  If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute.  Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error.  If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be.  Please specify the item or account name and number.
  
  Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth).  Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
  
  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. Box ****, *****,** 75013.
  
  Thank you for allowing me to assist you.  Please contact our office if you have any questions.
  
  Sincerely,
  
  Experian
  
  ************
  

• Initial Complaint

  Date:03/08/2023

  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.

  This company has violated my rights. I have contacted them numerous times to solve and no result. I am attaching proof that these accounts on my credit report need to be removed ASAP. I did some research and they violated these laws: 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I am very frustrated. This is my last attempt reaching out to you guys or I will have to take this matter to court and *** for all of these violations. Please remove these accounts ASAP. I have attached my ************ breach information proofing my identity has been compromised.

  Business Response

  Date: 03/15/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile. 
  
  Our records indicate that the disputed account(s)does 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,
  
  ***********************
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

• Initial Complaint

  Date:03/08/2023

  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 a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I cannot get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we cannot help you. I filed a police report last year on (02/09/2022)( **********) with (OZONE PARK) ****************** . This is my ************ breach settlement number (PE7UW-3Q5JD). Ive also mailed in certified letters to Experian.Tracking number (********************** ) I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter (******************************** , ************************************************************) He notice several instances where Experian are in non-compliance with the ***** Im a victim but Im treated as if Im nothing. Experian continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Experian did not go through the original furnisher to verify these accounts are mine and they must do so under the *****If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If Experian fails to notify me that they will be reinserting an item on my credit report in writing **** (A)(5)(B)(iii) results in $1000 fine. As Experian has violated the *****. Experian has refused to remove fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the **** section 623. I plan of taking full legal action if accounts are not removed by (03/13/2023).

  Business Response

  Date: 03/15/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
  
  We have mailed a current credit report directly to the consumer for review.  If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute.  Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error.  If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be.  Please specify the item or account name and number.
  
  Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth).  Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.
  
  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  ***********************
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs