Business Profile
Credit Reporting Agencies
ExperianThis 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
- 14,901 total complaints in the last 3 years.
- 5,260 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:10/01/2022
Type:Billing IssuesStatus: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.
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 (JULY, 2013) 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.Business Response
Date: 01/12/2023
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 AffairsInitial Complaint
Date:10/01/2022
Type:Billing IssuesStatus: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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i(a)? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Account name Portfolio Recovery ****************Business Response
Date: 01/12/2023
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 AffairsInitial Complaint
Date:09/30/2022
Type:Billing IssuesStatus: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.
602. 15 U.S.C. ****a]There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. ****b]Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:In accordance with the written instructions of the consumer to whom it relates.623 15 U.S.C. ****s-2] Reporting information with actual knowledge of errors. 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.In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC **** Account Name ******************* Account Number ******** ************************ Account Number ************ Account Name ********* Account Number ******** Account name, account number. Has violated my rightsBusiness Response
Date: 01/13/2023
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 AffairsInitial Complaint
Date:09/30/2022
Type:Customer Service IssuesStatus: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 obtained a copy of my Experian and Equifax consumer reports and immediately noticed errors. Took the necessary steps and requested a reinvestigation from both companies per 15 USC 1681i(a)(1)(A) and I requested validation from the original creditor myself per 15 USC ****g. Both Experian and ******* received my disputes on 8/16/2022 and 30 days after they received the dispute they are required by law, 15 USC 1681i(a)(1)(A), before the end of the 30 day period beginning when they received to dispute to record the status of the dispute. BOTH companies DID NOT FOLLOW PROCEDURE! The status of the account being disputed never changed Not only did the status not but there are still errors on the report! Procedure calls for an investigation before the information on the report is reported for MAXIMUM ACCURACY. I requested a reinvestigation and pointed out the inaccuracies for them in the letters with a screenshot of the report, thats 2 investigations for MAXIMUM ACCURACY. How can 2 companies do 2 investigations with the same creditor and get different results? Worst of all, which is true? The account is full of errors and these error are hurting me and my family both financially and mentally, and the account shouldnt of been deleted per 15 USC 1681i(5)(a). These companies are willfully noncomplying with the law.Business Response
Date: 01/13/2023
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.
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 AffairsInitial Complaint
Date:09/29/2022
Type:Billing IssuesStatus: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 **********************************, 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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I have also enclosed copies of the federal trade commissions 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 identifies as information that resulted from an allege identity theft, not later than 4 business days after the date of the receipt. Its been more than 30 days and you as a credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!Business Response
Date: 01/13/2023
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 AffairsInitial Complaint
Date:09/29/2022
Type:Billing IssuesStatus: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 have tried to remove a credit freeze with this company for 3 hours and called innumerable times and it is absolutely impossible I will lose a purchase option due to their unbelievable incompetence and lack of costumer serviceBusiness Response
Date: 01/13/2023
Our office recently received your correspondence regarding the above-mentioned consumers complaint.
We apologize for any inconvenience ********** experienced in her previous contact with Experian. Today, I contacted ********** directly by phone and was able to assist her with her Experian credit report. I answered all of her questions and addressed all of her concerns regarding her Experian credit report and Security Freeze. If in the future she should need further assistance or have any other questions or concerns, she may contact me directly at the number listed below and I will assist her in any way that I can.
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 me directly if you have any questions.
Sincerely,
*********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
************Initial Complaint
Date:09/29/2022
Type:Customer Service IssuesStatus: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.
08/02/2022 RE: **************** RE: ACCOUNT NUMBER ******** THIS COMPLAINT IS BEING SENT IN RESPONSE TO A LETTER I RECIEVED FROM TRANSUNION *** VALIDATIONG AN ALLEGED DEBT THAT THAT IS UNLAWFUL AND INACCURATE. I HAVE REPEATEDLY DISPUTED THIS ISSUE HOWEVER, THE COMPANY CONTINUES TO REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT. ACCORDING TO SECTION 807 (15 USC ****e) OF THE ***** THIS IS A DIRECT VIOLATION OF MY CONSUMER RIGHTS.Business Response
Date: 01/13/2023
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 AffairsInitial Complaint
Date:09/29/2022
Type:Service or Repair IssuesStatus: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 SO FED UP WITH EXPERIAN!!! There is a fraudulent account SBNASELFLNDR and I provided a valid police report and FTC report and the ********** WILL NOT BLOCK THE ACCOUNT as stated on their website! Please see the attached screenshots! On experian.com, under identity theft, it states that upon receipt of a valid police report or state identity theft report, Experian BLOCKS alleged fraudulent accounts from view of creditors. *** talked to SEVERAL supervisors and nobody is willing to block this account. They state it doesnt meet the criteria but wont tell me what the criteria is! According to the police ******** ******* and my attorney, EXPERIAN HAS TO BLOCK THE ACCOUNT because it states they would do so upon receipt of a police report which Experian has. Failure to do so will result in a lawsuit against Experian. I have the names of every single representative and supervisor in the fraud **** that ive spoken to. I will literally take Experian for everything they got! They stated that its a criteria it has to meet in order for the account to be blocked but thats not what it states on the website. BLOCK THIS ACCOUNT or we will go full fledge with a lawsuit.Business Response
Date: 01/12/2023
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.
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 AffairsInitial Complaint
Date:09/28/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Recently I did an investigation on my report. Caused severe depression. Found unverifiable, invalidated, inaccurate, questionable items. Agency did not make sure this reporting is 100 percent accurate. According to the fair credit reporting act everything needs to be 100 percent accurate on my credit report and the under the Law 15 U.S.C. ***** These accounts is in violation for not reportingBusiness Response
Date: 01/12/2023
Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
We are currently reinvestigating the disputed ****** AWA *********** & ***** Fargo with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.
Our records indicate that the disputed **** does not appear on the consumers current Experian credit report.
According to our records, the 1st Progress accounts appear as stated on the consumers current Experian credit report, as having current. 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:09/28/2022
Type:Billing IssuesStatus: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 was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100% ***************** on my credit report. Unauthorized used of my credit report.I demand deletion of the items and information plus I demand monetary compensation!!!Business Response
Date: 01/12/2023
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: ******************************************************.
Because Experian has met its obligations under the ***** we must respectfully decline the consumers request for compensation.
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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