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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

Find a Location

Experian has 88 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • Experian

      475 Anton Blvd Costa Mesa, CA 92626

    • Experian

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

    • Experian

      949 W Bond St Lincoln, NE 68521-3628

    • Experian

      PO Box 9532 Allen, TX 75013

    • Experian

      PO Box 2106 Allen, TX 75013-9506

    Customer Complaints Summary

    • 14,902 total complaints in the last 3 years.
    • 5,260 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:08/13/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In accordance with the Fair Credit Reporting Act 15 U.S.C. **** & Fair Debt Collection Practices Act 15 U.S.C. ****, EXPERIAN, has violated my rights.Under the civil liability and the remedy available to me (Section 616 & 617), EXPERIAN, failed to comply with Federal Law and because according to the **** consumer law which I should be compensated $1,000 per violation in accordance to **** as follows:15 U.S.C **** section 602 A. States I have the right to privacy which was violated. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well! 15 U.S.C. ****s-2 (A)(1) 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 which was violated.Additionally, in EXPERIAN initial investigation which I stated to EXPERIAN, they did NOT provide me a copy of ANY original documentation (a consumer contract with my signature on it) as required under Section 609 (a) *************** 611 (a)(1)(A).Furthermore, EXPERIAN have failed to provide the method of verification as required under Section 611 (a (7), which they were advised that under Section 611 5)(A) of the ****, they are required to promptly DELETE all information which cannot be verified, if not, compensation will be $1,000 to me per violation in accordance to **** as the violations cited previously.EXPERIAN violated my rights even more. In accordance with Fair Credit Reporting, everything has to be 100% accurate on my credit report. EXPERIAN, stated my account was properly investigated but how that possible if date opened,last reported dates,date last active,payment histories,account types, payment status, date of last payment, still show inaccurate information! Grounds for REMOVAL!

      Business Response

      Date: 12/29/2022

      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:08/13/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, my name is ***** Edroc ****, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************'s Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the 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: 12/30/2022

      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:08/12/2022

      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.
      I'm depressed and suicidal after dealing with unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the fdcpa and must be deleted immediately because those are serious violations and I could be compensated for them.

      Business Response

      Date: 01/03/2023

      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 information related to fraud,please visit our website at:  ******************************************************.

      Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you. 

      Sincerely,


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

    • Initial Complaint

      Date:08/12/2022

      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.
      I'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the ***** and must be deleted immediately because those are serious violations and I could be compensated for them.

      Business Response

      Date: 12/29/2022

      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:08/12/2022

      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.
      Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.

      Business Response

      Date: 12/29/2022

      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:08/12/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, my name is ************************************, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************'s Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the 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: 12/29/2022

      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:08/10/2022

      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.
      If after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-(i)promptly delete that item of information from the file Experian has continued to report inaccurate information on my file. They are saying the accounts are verified but how are they verified if the are reporting inaccurate.

      Business Response

      Date: 12/29/2022

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

      We are currently investigating the disputed information with which the consumer disagrees.  Upon completion of this process, we will provide the results of our investigation directly to the consumer.

      According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.

      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:08/09/2022

      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.
      After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. Attached is my formal requests along with before and after most current investigation request results.

      Business Response

      Date: 12/29/2022

      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:08/09/2022

      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.
      This is a formal complaint against Experian located in *****, **. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this credit reporting agency is reporting erroneous, derogatory information about me to which is killing my *************************** Professional image. They've refused to send any proof of their claim because they have none since this account has never even existed. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately.

      Business Response

      Date: 12/29/2022

      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

    • Initial Complaint

      Date:08/08/2022

      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.
      I'm not liable for this debt with CapitalOne and do not have a contract with Portfolio Recovery they did not provide me with the original application when I asked.

      Business Response

      Date: 12/28/2022

      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

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