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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

    • 15,022 total complaints in the last 3 years.
    • 5,400 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:11/14/2022

      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.
      I have fraudulent accounts and hard inquiries reporting. Supporting documents are attached.

      Business Response

      Date: 01/23/2023

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

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

      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.

      By federal law, consumers personal credit report must list all organizations that have requested the consumers 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 the consumer credit or with whom the consumer has applied for credit, or entities collecting on transactions that the consumer initiated or on judgments rendered against the consumer, are permitted to make inquiries on the consumers credit report. Requests for the consumers credit history remain on the personal credit report for at least two years.

      Thank you for allowing me to assist you. 

      Sincerely,

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

    • Initial Complaint

      Date:11/14/2022

      Type:Delivery 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.
      Recently I applied for a Home through a first home owners programs and was denied because of my credit. I had my consumer report pulled and noticed I had unauthorized inquires reporting I was unknown off. these inquires are as follows, Inquiry: CITIBANK NA., BEST BUY (Date of inquiry: 08/29/2021) Inquiry: ALLY FINANCI: (Date of inquiry: 04/14/2021) Inquiry: CREDCO (Date of inquiry: 03/02/2021) Inquiry: COMENITYCB/ZALES (Date of inquiry: 02/26/2021) Inquiry: COAF (Date of inquiry: 04/14/2021) Inquiry: SANTANDER CONSUMER USA (Date of inquiry: 04/14/2021) Inquiry: NOWCOM/WESTLAKE FINANC (Date of inquiry: 04/14/2021). I reached out to Experian in regards to these inquires and was told to contact the original creditor which i did and didnt get much help. I disputed with Experian to have them reinvestigate these inquires and was told to send in a copy of my CFPB report and or a police report. It is 11/14/22 and ive yet had any satisfaction with my recent disputes.

      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 inquiries 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:11/14/2022

      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.
      A few months back I tried applying for a home loan and got denied because of my credit. I pulled my report and noticed i had inquires that was not authorized by me or from me. The inquires are as follows. Inquiry: CAP ONE NA (Date of inquiry: 07/02/2022) Inquiry: DISCOVER FINANCIAL SER (Date of inquiry: 08/26/2022) Inquiry: CAP ONE NA (Date of inquiry: 08/28/2022) Inquiry: CREDCO (Date of inquiry: 03/02/2021). Experian told me I need to contact the original creditor which I did and didnt get any help. So I disputed with Experian once again and was told to file a CFPB report along side a FTC report. It is 11/14/22 and i've yet been satisfied with the results I received on their behalf.

      Business Response

      Date: 01/23/2023

      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 ************************** 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:11/14/2022

      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: 01/23/2023

      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:11/14/2022

      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 sent a letter on 08/05/22 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:11/14/2022

      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.
      MEMPHIS LIGHT ******** account number ************* Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info REGIONS BANK Account number ************************** Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info REGIONS BANK Account number **************** Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info REGIONS BANK Account number **************** Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 410064XXXXXXXXXX ***************** & account number ************* **/2021 Consumer disputes - reinvestigation in progress,Collection account Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all. ***************** & Wa 03/2022 account number ************* Paid account/was a collection account, insurance claim or government claim or was terminated for default Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.Tn Child Support/10/2022 account XXXXXXX Please investigate and delete from my credit report.4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this informati

      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:11/14/2022

      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.
      There is an account on my consumer report thats not mine however I cant get any resolution even-though the name is completely different than mine.

      Business Response

      Date: 01/23/2023

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

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

      Sincerely,

      Experian

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

    • Initial Complaint

      Date:11/14/2022

      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.
      Please see attached complaint.

      Business Response

      Date: 01/24/2023

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

      In the complaint, the consumer states Please see attached complaint. However, I was unable to locate the document.

      Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer.  The consumer either has no credit history or additional identification information is needed in order to access the credit information.  Please forward the consumers specific disputes along with the consumers complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). 

      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.

      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:11/14/2022

      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.
      FRAUDULATE ACCOUNTS CREDIT CARD APPLE CARD/GS BANK USA- 05/30/2021- $6,436 COMENITYCB/LENDINGCLUB- 04/13/2021- $14,290 NAVY FEDERAL CR UNION- 03/08/2016- $5,181 NAVY FEDERAL CR UNION- 03/08/2016- $5,254 NAVY FEDERAL CR UNION- 03/08/2016- $5,232 LOAN NAVY FEDERAL CR UNION- May 20, 2016 $10,911 NAVY FEDERAL CR UNION- May 24, 2016 $8,830 PLEASE REMOVE IMMEDIATELY

      Business Response

      Date: 01/23/2023

      Tell us why here...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:11/14/2022

      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.
      My name is *********************. I am writing you today that I am sending these dispute letters to you for solving my existing issues in the credit reports. Here no other person or company is involved in sending my letters to you. I am personally sending these letters. I became a victim of Identity Theft on (SEPTEMBER, 2020) and after that these accounts added to my credit report which were never opened by me. My personal information may had been stolen through any online platform. I have no idea who was behind this crime. Thats why I never filed any police report. But now it has been a serious situation for me. Thats why I want to remove these account ASAP. As required by section FCRA 605B (15 U.S.C. 1681c-2) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.INQUIRIES I WANT TO REMOVE:1.AMEX, 07/27/2021 2.BK OF AMER, 01/09/2021 3.AMEX, 12/07/2020 4.CDK/GFB ENTERPRISES LL, 09/28/2020 5.*************.COM, 03/10/2022 The name of the documents I am attaching here for your better judgment:1.FTC report 2.FCRA 605B, 3.My ID and Utility Bills copy 4.A notarized letter which proves I am personally sending my letters and complaints.

      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 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

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