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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  ProtectMyID.com

  PO Box 22 Allen, TX 75013-0001

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  Experian

  1100 NW Loop 410 San Antonio, TX 78213-2263

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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 fromWyndell B

  Date: 12/29/2022

  1 star

  Wyndell B

  Date: 12/29/2022

  Cannot talk to a Live representative, cannot add additional (trackable) accounts that are Not listed.I've NEVER seen a company work so hard to NOT talk with customers.Apparently, the main objective is selling high interest credit cards.

  Experian Consumer Services

  Date: 01/11/2023

  Thank you for writing Experian(R) about your membership.Our records indicate you have enrolled in our complimentary Experian CreditWorksSM Basic membership as of January 23, 2021 and that membership is still active. As of January 11, 2023, we have opted you out of our marketing emails that you were receiving with your membership.As for the accounts that you want to add to your credit report, we have Experian BoostTM that works by connecting with a customers financial institution via their online banking account for the purpose of scanning for eligible utility and telecom payments. Eligible accounts include utility or telecom with at least three bills paid from the connected bank account over the last six months. Experian Boost only picks up online payments as well.Unfortunately, we are unable to honor your request to insert credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data.We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us.Please note that each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.Positive credit information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years.Accurate information cannot be deleted. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters 7, 11 and 12 bankruptcies, which remain for up to 10 years. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at *************************************, or visit: ********************************************************************************** hope this information is helpful when considering this matter.

• Review fromWish I could have gotten my replacement phone sooner than Friday am to Monday 8;30 pm

  Date: 12/28/2022

  1 star

  Wish I could have gotten my replacement phone sooner than Friday am to Monday 8;30 pm

  Date: 12/28/2022

  I have had my recent credit ruined by ********* and its inability to fix the fraud on my account. I have talked to humans at transition and equafax and they were helpful and had number to talk to humans but Esperanto does not, they have a robot that does not get you anywhere and will not connect you to better communications and help, they want it done on line or through a filing, well some of us senior citizens arent good at this.. yes they discriminate against the seniors by not helping them in the phone instead . Rude robot and not helpful, transition and equafax answered and helped with a dispute to help me get my credit score back up to 820 when it has dropped overnight to 648 due to fraud on my account at Citibank card 3 months of charges on that card from ******* hackers and ********* had been working on it. Ive called at least 30 times and somewhere along the way Citi dropped the ball. Esperanto did not help me when I needed immediate help. So disappointed, they are not as good as the other 2 credit companies due to this robot system. Fix it Experian step up and fix it. Answer your phones.

  Experian Consumer Services

  Date: 01/11/2023

  Thank you for writing Experian(R) about your dispute.Our records indicate you have recently enrolled in our complimentary Experian CreditWorksSM Basic membership on January 2, 2023 and this membership is still active.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 Experian(R):Online Dispute: ************************************************: ************************************ 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 fromRichard D

  Date: 12/22/2022

  1 star

  Richard D

  Date: 12/22/2022

  Can't speak to a human!!! I can't set up an account online. The system froze during set up and it seems the password I chose doesn't work. When I do the reset password it says username not found. When I tried to set it up again, it tells me username is already in use. A virtual assistant can't help me. the other two credit agencies have numbers where you can speak to an agent. It is not possible to speak to a human at Experian and it is frustrating! I see other responses on here where they say to write a letter. Are you kidding? No live chat, no way to email? For an agency that is supposed to protect consumer credit, I find it disturbing a consumer can't get the help they need.

  Experian Consumer Services

  Date: 01/04/2023

  Thank you for writing and expressing your concern regarding your membership with Experian. Our records indicate that you successfully enrolled in an Experian CreditWorks Basic membership on December 25, 2022. The membership allows access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you. 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 fromKate M

  Date: 12/21/2022

  1 star

  Kate M

  Date: 12/21/2022

  I have experienced a very poor customer ********************** experience with Experian. I called the Experian customer ********************** three times and I wasn't able to receive any help.A customer representatives on the phone seemed disinterested, unengaged and not being able to answer my questions. 2 out of 3 representatives weren't able to find my account even though I was logged in to my Experian account while I was on the phone.Then the representative decided go connect me to the dispute department but could not.I asked the representative how could I leave my feedback about Experian customer **********************, and the agent said that she didn't know how that worked.She then gave me phone number to call the dispute department, ********. I called but couldn't get through to a representative as their robot phone system would not connect me to a representative.Very unprofessional, unhelpful customer ********************** at **********************.

  Experian Consumer Services

  Date: 01/04/2023

  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. 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 copies the following:a.Drivers License b.Social Security Card c.Bank Statement/Utility Bill with current address Please fax any supporting documents to: **************. ATTN: Experian Consumer Affairs (Review ID: *********, you can mail to: ECA ********************************** Let ** assure you, your experience is not in accordance with our policies. We will be addressing these allegations and 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 fromMarie M

  Date: 12/21/2022

  1 star

  Marie M

  Date: 12/21/2022

  I opened an online account with my ITIN number and now my account is blocked and their system tells me to enter a valid SSN!I called so many times and the automatic system is so bad that doesn't give you an option to speak with a live/human agent.It's frustrating, I had an anxiety attack while trying to contact them over the phone.I did it all to reset my password but once it was blocked the system give me NO OPTION of doing anything!!!Too bad I can't add the screenshot in here :-( I just want to delete my account at this point!

  Experian Consumer Services

  Date: 01/04/2023

  Thank you for writing and expressing your concern regarding your membership with Experian. Our records indicate that you are currently enrolled in an Experian CreditWorks Basic membership as of August 29, 2022.Our representative contacted you on January 4, 2023 and successfully assisted with resetting your password and regaining access to your online membership. 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 like 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 fromJeff N

  Date: 12/21/2022

  1 star

  Jeff N

  Date: 12/21/2022

  Worst customer support ever. Phone options are terrible. Wanted to report a death and they were so so frustrating. Compare to others that were supportive and helpful. Most frustrating thing I have had to do to handle the death of my Dad.

  Experian Consumer Services

  Date: 01/04/2023

  Thank you for writing Experian(R).We are sorry to hear of the loss of your father and of the experience you had in reporting that to the bureau. Our agent reached out to you by email. If you are still needing assistance or have additional questions, please reach out to that agent for assistance.We hope this information is helpful to you when considering this matter.

• Review fromKenneth M

  Date: 12/20/2022

  1 star

  Kenneth M

  Date: 12/20/2022

  Contact Experian about address showing on my credit report. After verifying my information, I asked the customer ********************** **** **** to remove from account. I advised this is not even a physical address and I was concerned someone was trying to use my account for fraudulent purposes. He tells me they will have to start a dispute and will let me know of the answers via mail. Knowing Experian policy they do not remove address if there is something attached to it, i asked the ** rep is there anything attached to the address(knowing full well he can not give me specifics if it is attached). I want to know so I can protect my information from scammers. He stated he could not give me any information about the address because safety measurements to protect my credit. So I asked to speak to a supervisor in which he told me they will tel me the same thing and he could not wait because he needs to help other people. I demanded he stays on the phone till I speak with a manager to get more information. He stated they would call me back within ***** hours to answer my call. After waiting with him for 40 minutes a manager, ****** called me on my cell phone. I asked what is the company procedures on giving out management names or call back- She stated WE can not get this information.I could not even verify if she was a supervisor. After verifying my address middle name DOB, SS# she confirmed NOTHING was attached to the address. She told me if there was they can not give out information unless you request your credit report at experian.com/viewreport. Stated for security measures we need you to access your report then talk to us about what is on it( Terrible process). She even stated the ** rep should have given me this info since nothing was attached to the address. As a member I should NOT have to go through tis much to make sure my credit is correct. I can see why 1 star rating is consistent for reviews from this department

  Experian Consumer Services

  Date: 01/03/2023

  Thank you for writing Experian(R) concerning our dispute process.Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. Please note, we store name and address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the items you questioned and they are a part of your credit history. If you believe that such personal information in your credit report is inaccurate, you *** want to contact the source of the information directly. Please contact us by phone at ************** if you need additional assistance to determine the specific sources of particular information on your credit report.As a national consumer credit reporting agency, Experian stores information from credit grantors, collection companies as well as public record information that *** include bankruptcies. Accurate information cannot be deleted. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters 7, 11 and 12 bankruptcies, which remain for up to 10 years. Unpaid tax liens will remain for 10 years from the filing date, and paid tax liens will remain for seven years from the filing date. Positive information *** remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. If you believe the information in your personal credit report is inaccurate, you *** submit a dispute to us. If any item of information is found inaccurate, incomplete or cannot be verified through our dispute process, we will then delete that information, or modify that information, as appropriate.According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which *** include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request (21 days for ***** residents). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue.We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results.In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you *** also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number (if available). For more details, please visit www.experian.com/disputeprocess.For your convenience, you *** visit our dispute center at www.experian.com/dispute. Any supporting documents *** also be uploaded securely at www.experian.com/upload.For additional assistance, you *** call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at *************************************. For more information regarding your credit and frequently asked questions, you *** visit: http://www.experian.com/blogs/ask-experian.We hope this information is helpful when considering this matter.

• Review fromDori W

  Date: 12/19/2022

  1 star

  Dori W

  Date: 12/19/2022

  I just experienced the same horrible stuff I am seeing in these reviews! It is almost impossible to get through to someone in person. Their pit bull of a phone system just keeps asking the same questions and then hangs up on you. In the reviews I have just read, I see over and over the same complaints. Why don't they make some changes? Unbelievable! I would not use this company if I had a choice. Unfortunately, if you are buying from someone who credit checks through Experian, then you are ****. HORRIBLE! I would rather not even give it one star but it looks like I have to mark at least one.

  Experian Consumer Services

  Date: 01/03/2023

  Thank you for writing Experian(R) concerning your membership.Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic membership on June 19, 2021. This membership is still active.Our records also indicate you were able to get assistance with logging in and removing your freeze on December 19, 2022 and adding your freeze back to your credit file on December 20, 2022.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 fromLarry C

  Date: 12/18/2022

  1 star

  Larry C

  Date: 12/18/2022

  Terrible customer **********************. The phone system won't allow you to talk to a human even if the web site can't solve your problem.

  Experian Consumer Services

  Date: 12/23/2022

  Thank you for writing and expressing your concern regarding your membership with Experian. Thank you for informing us of your recent experience with Experian CreditWorks Basic. Experian prides itself on providing an excellent customer experience, and vigilantly strives to provide the highest standards of customer care and satisfaction. Our representative attempted to contact you December 23, 2022 but was not successful. If you are still in need of assistance, please contact our representative at the number provided to you by voicemail message.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 fromElizabeth B

  Date: 12/16/2022

  1 star

  Elizabeth B

  Date: 12/16/2022

  I am a physician applying for part-time work helping the ********* hospital in *************. As part of that arduous process, I am required to request (and pay for) a "self-query" from the *************************** Base. In essence - I am asking them to send a list of law suits, complaints, issues etc to ME. As part of this process - they need to verify who I am... which they farm out to a third party (EXPERIAN) OR you can print out a form, drag it to a notary have it signed and upload it. For this same application - I did this already but now the Mass medical board wants it again because it's been over 30 days. BOTH times I applied for this self-query I could not be verified through Experian because I got my answers wrong. (Let that sink in - I got my own personal answers --- according to Experian ---- WRONG)2020 auto loan bank? bought car cash (none of the above)How many bedrooms in your home? (2 in the current apartment; 3 in the house the year before) I tried both.Line of credit bank? (I have never taken a line of credit)Previous employer (none listed where I've worked)I failed before (had to have a notary verify) and I failed this time (3 tries). Always the same questions.THEY WILL NOT ANSWER THE ****** THEY HAVE INACCURATE INFORMATION AND THEIR LAZINESS IS COSTING ME MONEY AND TIME.

  Experian Consumer Services

  Date: 12/23/2022

  Thank you for expressing your concerns regarding Experian. Verification questions presented are based on the information in your credit report. Please review a copy of your credit report for accuracy. Under the Fair Credit Reporting Act (****), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your **** rights, please visit http://ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf Listed below is the dispute contact information Experian(R):Experian(R):Online Dispute: http://www.experian.com/dispute/Mail: ************************************ Telephone: ************** The **** 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.