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

  535 Anton Blvd #100 Costa Mesa, CA 92626-7199

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Experian

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

• 

  Creditchecktotal.com

  PO Box 2390 Allen, TX 75013

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:09/09/2022

  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.

  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 (November, 2018) 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: 01/06/2023

  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:09/09/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Experian have not remove a late payment from my credit report that's being reported by Fortiva 8/22. I provided them with proof that its was paid. They only updated my report but didn't remove the late payment. The recent payment amount is inaccurate as well. Also they have failed to DELETE NAVIENT & NELNET FROM MY REPORT, after I provided them with police reports to prove my identity was stolen the year they say I opened a loan. I also want my 40 points added back to my score, and an additional 40 points added.

  Business Response

  Date: 01/06/2023

  Thank you for your recent correspondence regarding the above-mentioned consumer.  Our records indicate that we have not previously received this complaint from you or the Better Business Bureau.
  Our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagrees.  The disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. 
  
  When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by law.  We contact the furnisher of the data to verify the accuracy of the disputed information.
  
  If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right,under the ***** to add a 100-word statement specifying the nature of their dispute.  The statement will appear with the item as long as the item remains on the credit report.  Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information.  Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).  If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.
  
  Thank you for allowing me to assist you. 
  
  Sincerely,
  
  ***********************
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs

• Initial Complaint

  Date:09/08/2022

  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.

  Experience is refuses to desist from sending emails. I am going to the ftc

  Business Response

  Date: 01/10/2023

  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 Affairs

• Initial Complaint

  Date:09/08/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Experian , Equifax, Transunion have committed fraud.

  Business Response

  Date: 01/11/2023

  Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.
  
  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.
  
  Our database is a unique system in which full identification must be input in order to retrieve a credit profile on a particular individual.  To ensure a complete credit profile, please provide the consumers full name, including middle name and generation code (******** I, II, III, etc.), spouses name, current address (with proof of address), previous addresses for the past two years, Social Security number, and date of birth.  Additionally, please provide proof of the consumers Social Security number.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions
  
  Sincerely,
  
  ***********************
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs
  ************

• Initial Complaint

  Date:09/08/2022

  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 am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize BBB to give copies or any information on the form to anyone deemed advisable.

  Business Response

  Date: 01/11/2023

  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:09/08/2022

  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 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: 01/10/2023

  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:09/08/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I been dispute few account`s ( Not my account`s) on the Experian Credit ************* & every time I dispute these company keep report account`s as accurate. I already explain to the Specialist Depart. of Experian that these 2 account`s when they was open I was not in ******* . I am on ** Citizen , The year **** I was travel to South America (******) I meet a woman, got married and I remain in ****** until July 25,2017. We sell everything`s we have in ****** and also we looking for a home there in ******* that is at present address I live now. July 25,2017 we came to ******* , I paid in full for my home & every thing's inside my home .I still have money left at the Bank & temporary I was not thinking get any credit and I decide to wait a little bit more before try get credit. The middle of the year **** I request a credit report from Experian. There is 2 account's that I been dispute ( Not my accounts ) so many time , I been ask the ********************* to delete these account`s because these 2 account`s was open when I was still in live ****** . Every time I dispute , company report as accurate ,I dispute over & over again and none again. Specialist ***** ask me if I want account's remove they need me to send them valid documentation`s to support my dispute. I send them a copy *** Passport that have my only entry July 25,2017 , copy of my Driver license, utility bill and Social Security Card and again nothing`s as been remove. I dispute again and this time they ask me that the only way to remove these account`s is to get a Police Report and for sure as soon they get that documentation's and on Police report listed these account's as fraud account's, they would remove I do all this, send them 2 time the police report and all other document`s & still none, is that a game they play? They have every thing's they ask me, why they Not delete these account's? Every time I contact them again, they keep ask me dispute again, I need account's be remove

  Business Response

  Date: 01/06/2023

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

  Customer Answer

  Date: 01/06/2023

  
  Better Business Bureau:

  Look like the business already resolved the complaint
  
  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:09/07/2022

  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 not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code ****e. False or misleading representations- (8) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.

  Business Response

  Date: 01/10/2023

  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 Affairs

• Initial Complaint

  Date:09/07/2022

  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 have reason to believe that Experian is involved in racketeering activity with these fraudulent accounts that's reporting on my credit report. The creditor is **** OF EDUCATION/NELN. They are reporting 7 fraudulent account on my credit report. I informed both parties that those account were fraudulent and doesn't belong to me. I sent Experian a copy of a *** report and a letter from the fraudulent creditor stating that the accounts were opened due to identify theft and are approved for deletion. When I called Experian and asked if they received the *** report and nelnet letter they inform me they only got the letter and not the *** report. It's impossible for them to receive one and not the other when they were sent together. I also believe that Experian is throwing away my *** report so they don't have to remove the 7 fraudulent accounts.Tracking numbers listed below for *** report and Nelnet approved deletion letter.Certified Mail Tracking Number: **** **** **** **** **** - Delivered Aug 29, 2022 Return Receipt Tracking Number: **** **** **** **** **** 77 - Delivered Sep 2, 2022

  Business Response

  Date: 01/06/2023

  Thank you for your recent correspondence regarding the above-mentioned consumer. Our records indicate that we have not previously received this complaint from you or the Better Business Bureau. Our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagrees.  The disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. 
  
  When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by law.  We contact the furnisher of the data to verify the accuracy of the disputed information.
  
  If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right,under the ***** to add a 100-word statement specifying the nature of their dispute.  The statement will appear with the item as long as the item remains on the credit report.  Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information.  Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).  If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.
  
  Additionally, our records indicate that the other disputed information 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:09/07/2022

  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 never gave Experian any written consent to report anything on my consumer report, no consent equals identity theft. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************s Identity Theft Affidavit. Concerning the fraudulent accounts listed below as a consumer, I am demanding their deletion as soon as possible.

  Business Response

  Date: 01/06/2023

  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.
  
  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
  
  ************