Reviews

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

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  Experian Consumer Services

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

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  Experian Marketing Solutions

  601 Experian Pkwy Allen, TX 75013-3701

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  ProtectMyID.com

  PO Box 22 Allen, TX 75013-0001

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  Experian Consumer Services

  Colton, CA 92324

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  Experian Consumer Services

  PO Box 1240 Allen, TX 75013

Review Details

• Review fromGregory F

  Date: 07/22/2023

  1 star

  Gregory F

  Date: 07/22/2023

  My credit score went down by 17 points due to my because of my balance decreasing by 92 dollars. I don't carry any balances, never been late, no derogatory accounts, no collection. I pay a medical bill for 92 dollars on my **************** card and pay it off the next day. I haven't applied for credit or open any new accounts. This happens every year it says my credit score went down because I pay off a credit account before the due day. All my other accounts my score is over 800 besides Experian. Trying to call and talk with someone is like an act of Congress. Once I did get someone. They said it wasn't suppose to deceased but could not do anything about it but give me excuses. This is a bad credit company. Since I won't subscribe to Experian online service I found that my Credit score stays 30 to 40 points lower than the other two credit companies. I am never late on any of my bills and rarely use over 6% of my total credit on any of my cards. I am going to write a letter to the ************* Attorney General about your practices to black mail the public in order to make money on YOUR credit subscription. All my credit behavior is fine it's this company behavior that need to be adjusted.

  Experian Consumer Services

  Date: 07/28/2023

  Thank you for writing and expressing your concern regarding your membership with Experian.Our records indicate that you are currently enrolled in a complimentary membership with Experian CreditWorks Basic. Your membership benefits currently include access to your Experian report and FICO Score once every 30 days, free of charge.Your FICO(R) Score is calculated based on the data in your credit report at the time you request your credit report and score. Every time you request a new score, a new credit report is pulled, and your new score is calculated based on the information in your credit report, up to once a day. Be aware, your credit report *** change often. Differences in your score *** be due to a change in balance on one or more of your credit cards, payment updates, or the addition of new accounts. Even the fact that your account(s) is one month older can affect your score. If there are inaccuracies on your credit report, these could also be affecting your score and should be disputed directly with the credit-reporting agency providing that information. In general, there are many factors that can affect an individuals credit score, such as payment history, current debt, available credit to debt ratio, etc. The actual scoring model and its calculations are proprietary to Fair ***** Corporation. Credit scores are usually calculated based on the combination of all the credit factors in your credit report. Your credit score is not based solely on one single item or behavior. So although you *** have done something that you think should have changed your score, the FICO(R) Score actually looks at how this information combines with other information in your credit report and how, if any, this changes your credit score. Your score *** go up, down, or remain constant depending on each factor as well as a unique combination of factors.The score analysis section that comes with your FICO(R) Score should help you understand what specific credit factors had a positive and negative affect on your FICO(R) Score.

• Review fromJon F

  Date: 07/21/2023

  1 star

  Jon F

  Date: 07/21/2023

  Terrible service, no compassion, very rude with no explanation or help

  Experian Consumer Services

  Date: 07/26/2023

  Thank you for informing us of your recent experience with Experian. Experian prides itself on providing an excellent customer experience, and vigilantly strives to provide the highest standards of customer care and satisfaction. Let ********* you, your experience is not in accordance with our policies. We will take the appropriate steps to prevent a reoccurrence of events.We appreciate the time you took to send us your comments and suggestions. We value the input from our customers and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers as you that we are able to improve our products and memberships.We hope the above information is helpful to you in considering this matter.

• Review fromZander H

  Date: 07/20/2023

  1 star

  Zander H

  Date: 07/20/2023

  good luck ever getting a hold of anyone ever lmao, i have tried ALL the numbers available.

  Experian Consumer Services

  Date: 07/25/2023

  Thank you for writing Experian(R) about your concerns.We appreciate your feedback and have noted your concerns.If you have an item we can assist you with, please send a letter to Experian Consumer Services and be sure to include your contact phone and email address in case our agent needs to speak with you. We will also need you to send in any verification documentation that will be needed for your concern. That information can be sent to ECA, PO Box ****, ****** ** ***** or may be faxed to ECA ************.

• Review fromJOHN P

  Date: 07/19/2023

  1 star

  JOHN P

  Date: 07/19/2023

  THEY **** I DONT LIKE THEM THEY STOLE MY MONEY

  Experian Consumer Services

  Date: 07/25/2023

  Thank you for writing and expressing your concern regarding your membership. Our records indicate you enrolled in Experian CreditWorksSM Basic on June 2, 2019, and that you have changed monitoring products over 25 times during those years. Most recently, our records show that you ordered a credit report along with a trial membership In Experian CreditWorksSM Premium on July 8, 2023. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $29.99 on July 18, 2023. Your membership has changed to no benefits on July 25, 2023 in an effort to stop your billing from reoccurring.Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order. We have, as a courtesy, issued a refund totaling $29.99 on July 20, 2023. Please allow 3 - 5 business days for these funds to process to the credit card account.At this time, we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

• Review fromMax N

  Date: 07/17/2023

  1 star

  Max N

  Date: 07/17/2023

  The Experian website is broken. When the error page comes up they give a phone number, but the phone number leads to an automated line that never reaches a real person and never gives an option for tech support. No matter what options you choose on the automated line it will get to a place where it just hangs up on you without ever reaching an agent. The product is completely broken and there's no way to get any help, and this credit report is required for me to get my power turned on.I would never give this business money, ever.

  Experian Consumer Services

  Date: 07/20/2023

  Thank you for writing Experian(R) concerning a membership.Our agent reached out to you on July 20, 2023, to assist you with your concerns. At your earliest convenience, please contact our agent at the direct number she provided.We hope this information helps when considering the matter.

• Review fromJeffrey L

  Date: 07/14/2023

  1 star

  Jeffrey L

  Date: 07/14/2023

  This is a bad credit company. I have credit score 820's in both Equifax and Transunion. But, since I don't subscribe to Experian online service I found that my Credit score stays 30 to 40 points lower than the other two credit companies.I will not submit to their blackmail just to increase my credit score to where should be and I plan to report them to my State Senator. This has been going on for last two years with Experian. This criminal and should stop.

  Experian Consumer Services

  Date: 07/20/2023

  Your FICO(R) Score is calculated based on the data in your credit report at the time you request your credit report and score. Every time you request a new score, a new credit report is pulled, and your new score is calculated based on the information in your credit report, up to once a day. Be aware, your credit report *** change often. Differences in your score *** be due to a change in balance on one or more of your credit cards, payment updates, or the addition of new accounts. Even the fact that your account(s) is one month older can affect your score. If there are inaccuracies on your credit report, these could also be affecting your score and should be disputed directly with the credit-reporting agency providing that information. In general, there are many factors that can affect an individuals credit score, such as payment history, current debt, available credit to debt ratio, etc. The actual scoring model and its calculations are proprietary to Fair ***** Corporation. Credit scores are usually calculated based on the combination of all the credit factors in your credit report. Your credit score is not based solely on one single item or behavior. So although you *** have done something that you think should have changed your score, the FICO(R) Score actually looks at how this information combines with other information in your credit report and how, if any, this changes your credit score. Your score *** go up, down, or remain constant depending on each factor as well as a unique combination of factors.The score analysis section that comes with your FICO(R) Score should help you understand what specific credit factors had a positive and negative affect on your FICO(R) Score. We hope this information is helpful when considering this matter.

• Review fromMary A

  Date: 07/12/2023

  1 star

  Mary A

  Date: 07/12/2023

  Experian is the worst company I have dealt with in a long time. We pay our credit cards in full every month, yet Experian shows a balance from May that indicates the amount due hadn't been paid. I have documentation from my bank and the credit card company confirming payment in full was received. Our June payment was also made in full and bank and credit card company shows that one received and paid in full as well. Yet, I can't get anyone on the phone to help me and our FICO credit report still show the May payment as due!! Incompetent beyond imagination!!

  Experian Consumer Services

  Date: 07/19/2023

  Thank you for writing Experian(R) about your credit report.Our records indicate you are currently enrolled in our complimentary Experian CreditWorksSM Basic membership since July 7, 2023.We have sent you a copy of your credit report. Our records indicate you are current with all accounts and have a credit score of 850.Credit bureaus maintain separate records of consumers information. To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** Listed below is the dispute contact information for the three national credit bureaus: Experian(R), Equifax(R) and TransUnion(R).Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** Equifax(R):Online Dispute: ******************************************************************************************************************************************* via **** postal mail:Equifax LLC P.O. Box ****** *******, ** ***** Telephone: ************** TransUnion(R):Online Dispute: ******************************************************************************** Disputes via **** postal mail:TransUnion Consumer Solutions P.O. Box **** ******************************** Telephone: ************** When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.

• Review fromMMV U

  Date: 07/11/2023

  1 star

  MMV U

  Date: 07/11/2023

  I have not been able to access a 3 bureau Experian credit report in more than 2 years, however, they continue to steal my banking information and charge my bank accounts for monthly service for the past 2 years. The most recent theft of information was in the past 30 days, where my account info was compromised by Experian. I NEVER provided my banking details, however, they charged my account. Again, ********************** has NOT even been able to provide me with a 3 bureau report in more than 2 years.

  Experian Consumer Services

  Date: 07/19/2023

  Thank you for expressing your concerns. After doing a detailed search with the information you provided, we were unable to locate an account in our system that belongs to you. To better assist us in locating an account, we are in need of additional information. We would appreciate if you can provide us with the following:a. Full credit card number being billed b. Email, phone and full name used on your membership c. Letter stating your concerns and including your contact information so that an agent can respond to your concerns.Please fax any supporting documents to: **************. ATTN: Experian Consumer Affairs (Complaint **********. Or, you can mail to: ECA, PO Box ****, *****, ** ***** Our customers are very important to ** and we look forward to hearing from you with the information requested above.Please note there are several websites that offer similar products, and in many cases, customers often discover, after reviewing their billing statement, or the web site where they enrolled, that the product is actually offered by a different company.Thank you for your understanding and cooperation.

• Review fromAlex L

  Date: 07/05/2023

  1 star

  Alex L

  Date: 07/05/2023

  Absolute s*** show of a CRA. Not just incompetent on the way they are stewards of their data, and harvesting and reselling your personal information as some stain on society data broker, but in terms of the security of your data, the way their systems are unclear, unhelpful, the way they commoditize with the expanded FCRA data sets, the disgusting way they lobby for more parasitizing of people,. the lack of power given to the people over their data, with all the barriers to entry for the common folk who are not familiar with the opaque, gated way to navigate their systems holding information about you.Wouldnt **** on them if they were on fire. 1 star, pointless entity, much like mosquitos and similarly wouldnt be missed if they ceased to exist.One of many interactions from my perspective - swapping bank accounts for payment for one of their services - they locked me out of my account and wouldnt even let me update the payment, despite numerous phone calls. It took a complaint to BBB to unfuck things, by downgrading me to a "free account" so I could access my own data and see (as is my right) my own information to make changes etc.

  Experian Consumer Services

  Date: 07/13/2023

  Thank you for writing Experian(R) and allowing us to address your concerns.Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic membership on October 19, 2018. Our records also indicate that you ordered a credit report along with a trial membership in our paid Experian CreditWorksSM Premium product when you logged in on May 26, 2023. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided should have been charged our monthly membership fee of $24.99 on June 6, 2023. When your credit card declined that billing, access was denied until payment was made for the product ordered. We have downgraded your membership to the Experian CreditWorksSM Basic membership as of June 16, 2023, allowing access to your membership without payment.We appreciate the time you took to send us your comments and suggestions. We value the input from our customers and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers as you that we are able to improve our products and memberships.We hope this information is helpful when considering this matter.

• Review fromWA c

  Date: 07/03/2023

  1 star

  WA c

  Date: 07/03/2023

  I understand that Experian would like to respond to everyone's issues of customers that have reached out to express their concerns and issues with this company. I have already had my share of issues and until I directly complained to the BBB is when anything was done about it. But why is Experian responding back on private and confidential information about this consumers. on a review you should not be putting any account details doesn't matter how small they are. I legit believe that's you are violating all consumer rights and privacy. ON MY END OF ALL THE CREDIT REPORTING AGENCIES YOU ARE THE WORST!!! ZERO RATING!!!!!!!!!! I HAD TO ADD 1 STAR IF NOT IT WON'T LET ME POST. THAT'S HOW BAD THIS SYSTEM IS. I HAVE HAD A PERFECT HISTORY AND YOUR COMPANY IS THE WORST IN DECIDING HOW THE CREDIT SCORE IS MEASURE AND DECIDED. I HAVE PERFECT CREDIT AND TO YOUR STANDARDS IS FAIR !!!! YOU REALLY NEED TO CHANGE YOUR EXPECTATIONS OR HIRE STAFF TO REALLY ANALIZED THINGS CORRECTLY.

  Experian Consumer Services

  Date: 07/12/2023

  Thank you for informing us of your recent experience with Experian. Experian prides itself on providing an excellent customer experience, and vigilantly strives to provide the highest standards of customer care and satisfaction. We realize that you may have seen a discrepancy in the score you received from a third party related to your credit application and the score provided as part of your membership. We try to make it a point to inform our customers that various scoring models are available in the marketplace and have different potential uses. For instance, we include a disclosure on our site describing the score provided with the credit monitoring membership you purchased.Here, the score that is provided as part of your membership is the FICO(R) 8 model based on Experian(R) data. It is a score that many lenders use in the credit application decision-making process. FICO(R) Scores, ranging from 300 to 850, are developed by Fair ***** Corporation which specializes in developing credit-scoring systems for lenders and other businesses. This can help you see and understand how lenders may view your credit worthiness. It is used by many lenders and is indicative of your overall credit risk. Certain industries may use custom credit scores that are tailored to their specific needs. The custom scores may be unique to a specific industry, such as mortgage lending or auto lending. These custom scores may be created based on information found in credit reports together with other information from the lenders own portfolio, such as account history. We hope that this provides you some clarity as to the discrepancy between the two scores you received and the various scores available in the marketplace.We appreciate the time you took to send us your comments and suggestions. We value the input from our customers and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers as you that we are able to improve our products and memberships.We hope the above information is helpful to you in considering this matter.