Complaints

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

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• 

  Experian

  475 Anton Blvd Costa Mesa, CA 92626

• 

  Experian

  PO Box 9701 Allen, TX 75013

• 

  Experian

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

• 

  Experian (Telecom Self-Reported)

  PO Box 4500 Allen, TX 75013

• 

  Experian

  949 W Bond St Lincoln, NE 68521-3628

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:07/25/2022

  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.

  On 6/29/2022 I sent (certified) letters to the consumer reporting agencies asking them to investigate accounts that were in question on my credit report. According to the **** a proper investigation includes; ((e) The term "investigative consumer report" means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.) I received a response stating the item has been updated but it was never verified according to the law. Furthermore a proper investigation was never conducted as every piece of information on my credit report in regards to this account is still not 100 percent accurate. I never gave anyone written permission to add anything to my credit report, as a victim of domestic violence this is a direct violation of my rights to privacy. I am including a photo of the inaccuracies as well as my vehicle title for the account in question.

  Business Response

  Date: 12/22/2022

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

• Initial Complaint

  Date:07/25/2022

  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.

  I am not liable for this inquiry with AMEX/ INQUIRY DATE: 05/01/2021 AMEX/ INQUIRY DATE: 04/24/2021 MAJR FINANCIAL CORP/ INQUIRY DATE: 11/16/2020 DISCOVER FINANCIAL SER/ INQUIRY DATE: 05/20/2020

  Business Response

  Date: 12/22/2022

  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 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.
  
  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 (****), 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:07/25/2022

  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.

  All accounts are not reporting the same with all three credit Bureaus. In addition, in accordance with the Fair Credit Reporting Act, all accounts with Experian below have violated my rights.Accounts and account numbers 1.)Lending point LA1001XXXXX 2.)***** Fargo 4465XXXXXX **Experien shows ***** fargo as paid for less than the full amount Whereas Equifax shows this same account as charged off. TRANSUNION shows the same account as payment after charge off collection.*Experien shows Lending Point as charged off, where as Transunion shows it as charged off as a bad debt.15 U.S.C. **** Section 602 A., states I have the right to privacy. 15 U.S.C. **** Section 604 A, Section 2, it also states a consumer reporting agency cannot furnish a account without my written Instructions. 15 U.S.C. ****************************************************************************************** the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

  Business Response

  Date: 12/22/2022

  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:07/22/2022

  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.

  Dear BBB I need help with my credit file in which I have been strugling to correct. I have sent dispute to bureaus but i have not receive any proper response, I need to have these inaccuracies deleted from my credit report.

  Business Response

  Date: 12/22/2022

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  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:07/22/2022

  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.

  I have sent several emails and letters ,regarding this matter , according to the laws they are basically stalling the process and they are not completing an accurate and correct investigation,regarding the items I am asking to be removed

  Business Response

  Date: 12/21/2022

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

• Initial Complaint

  Date:07/22/2022

  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.

  I have account that was removed off my file after investigation was finish and it reappeared back on my file and now the company won't move it off my credit file

  Business Response

  Date: 12/22/2022

  Our office recently received your correspondence regarding the above-mentioned consumers complaint.
  
  Our records indicate that we have not previously received this complaint from the Better Business Bureau.
  
  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