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Business Profile

Credit Reporting Agencies

Experian

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 15,008 total complaints in the last 3 years.
    • 5,398 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/16/2022

      Type:Customer Service Issues
      Status:
      Answered
      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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************'s Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code ? 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

      Business Response

      Date: 01/23/2023

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

      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. Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload.They may also visit Experians dispute center by visiting www.experian.com/dispute.    

      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 ******************************* 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:11/15/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 SEE ATTACHED DOCUMENTS

      Business Response

      Date: 01/24/2023

      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 ****************************** 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:11/15/2022

      Type:Customer Service Issues
      Status:
      Answered
      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.
      Dear Better Business Bureau I am writing a complaint about Experian I have sentletters on 08/06/22 stating I was having some accounts and information that did not belong to me which I consider inappropriate activity. I also sent them some documents to proof my request including my personal documents and data breach I have attempted to contact Experian so many times via phone and via mail so they can resolve this issue as soon as possible but they have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.

      Business Response

      Date: 01/23/2023

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

      Our records indicate that we have not previously received this complaint from you or the Better Business Bureau.

      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:11/15/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      ************** Fedloan Account Number ********** Transunion - Equifax ************** Midlandcre Account number ********* Transunion - Equifax - ********************** ************** *********** Account Number *********** Transunion - Equifax - Experian ************** ** **** Account Number ******** Transunion - Equifax - ********************** Fedloan 06/07/2012 Midlandcre 07/30/2020 *********** 06/25/2019 US **** 12/15/2017

      Business Response

      Date: 01/24/2023

      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 ****************************** 75013.

      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:11/15/2022

      Type:Order Issues
      Status:
      Answered
      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 11/13/2022 I sent a second written request. The unverified items listed below remain on my credit report in violation of Federal law. You are required under the **** to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stayed in writing that you VERIFIED that these items are being reported correctly. You have not provided me a copy of Any original documentation required under SECTION 609 a (1) A) & SECTION 611 a) 1 A) ( A Consumer contract with my signature on it) and under SECTION 611 (5) (A) OF ****- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CANNOT BE VERIFIED. THE *** IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME FOR NEGLIGENT NONCOMPLIANCE . ( SECTION 617 IF YOU FAIL TO COMPLY, I AM A LITIGIOUS CONSUMER AND FULLY INTEND ON PURSUING LITIGATION IN THIS MATTER.DELETE FOLLOWING ACCOUNTS ASAP 1. FLAGSHIP CRD #*****************2. REGIONALAC #********

      Business Response

      Date: 01/23/2023

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

      Our records indicate that we have not previously received this complaint from you or the Better Business Bureau.

      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:11/15/2022

      Type:Billing Issues
      Status:
      Answered
      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 *************************. Recently, when I pulled up my credit report, I noticed that there is a bankruptcy on my report. I contacted the bankruptcy court associated with the bankruptcy and they stated that they do not report to credit bureaus. Also, I contacted *********** and they stated as well that they do not report to credit bureaus. According to 15 US code 1681a(4) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has affected me personally in acquiring credit, receiving employment, and purchasing a house. Also, under 15 US code 1681e(b) and 15 US code 1681i(5) this account is in violation in not reporting 100% accurate because it lists the bankruptcy as the furnisher. This is forgery and misleading because I have a letter from the bankruptcy court that states they do not report this type of account. In order to improve the quality of life for myself and family, I am asking for this bankruptcy to be removed from my credit report immediately. Thank you for your help.

      Business Response

      Date: 01/24/2023

      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 ****************************** 75013.

      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:11/15/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      "CRA" VIOLATED "FCRA" REPORTING INCORRECT "PACER" DATA OF PUBLIC RECORDS CH 13TH BANKRUPTCY HAS BEEN DISCHARGED AND REMOVED DUE TO ERROR SECTION 607, 609 AND 623, SSN# ****, DOB: 10/14/1964, REMOVE/ DELETE FROM FILE

      Business Response

      Date: 01/23/2023

      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 ************************** 75013.

      Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Sincerely,

      Experian

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

    • Initial Complaint

      Date:11/15/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      THEY ARE REPORTING A COLLECTION ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF *************************

      Business Response

      Date: 01/23/2023

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

      Our records indicate that the disputed ***** & ***** account 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.

      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 ************************** 75013.

      Thank you for allowing me to assist you.  Please contact our office if you have any questions.

      Sincerely,

      Experian

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

    • Initial Complaint

      Date:11/15/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      In accordance with the Fair Credit Reporting Act; Experian has violated my rights for the following account:1.MRV BK/REVVI 426498000350****2.POSSIBLEFINA BFFFWB577CS28PITIHHEE****3.TOYOTA MTR 7040086827906****4. SPEEDY CASH 82P00584****5.THE PLACE APTS 39956**6.TEXAS HEALTH RESOURCES D1516752****15 ********** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states, that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt, and nor am I liable for this. Delete this at once as it is causing severe depression. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

      Business Response

      Date: 01/23/2023

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

      Our records indicate that we have not previously received this complaint from you or the Better Business Bureau.

      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:11/15/2022

      Type:Customer Service Issues
      Status:
      Answered
      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 am a victim of identity theft. I noticed the following problems on the date of 11/10/22, Transunion, Equifax, and Experian have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the **** The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE ***** ***** BLILIEY ACT OF ****! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the **** and the better business bureau and below are the copied attachments for your keeping. Please delete the following information as asked **** THANK YOU!ACCOUNT NAME : SYNCB/SYNC BANK LUXURY ACCOUNT DATE OPENED: DEC,21,2018 BALANCE: $1,509.00 ACCOUNT NAME: JEWELERS RESERVE/CBNA ACCOUNT DATE OPENED: DEC,20,2018 BALANCE : $2,635.00

      Business Response

      Date: 01/23/2023

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

      Our records indicate that we have not previously received this complaint from you or the Better Business Bureau.

      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

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