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Experian Consumer ServicesThis business is NOT BBB Accredited.
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This profile includes reviews for Experian Consumer Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.11/5 stars
Average of 302 Customer Reviews
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Review fromBrenda D
Date: 10/16/2022
1 starBrenda D
Date: 10/16/2022
I have been trying to unsubcribe from Experian to ***** , *****. They will not remove my name for some strange reason. I didn't apply for this service. This is very annoying to me.Experian Consumer Services
Date: 10/26/2022
Thank you for writing to Experian(R) concerning your membership.Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic membership on July 30, 2019. At your request, we have cancelled your membership on October 26, 2022.Unfortunately, we are not able to delete your online account and profile at this time. We are legally obligated to retain records of requests for credit reports from the credit reporting agencies, to verify permissible purpose under the Fair Credit Reporting Act. In addition, pursuant to federal regulatory requirements, we must retain a customers core account information (including any-and-all records of customer complaints pertaining to such account) for six (6) years. Of course, we realize the sensitive nature of this information, and maintain this data with great care for security and respect for your privacy.We hope the above information is helpful to you in considering this matter.Review fromRahul M
Date: 10/16/2022
1 starRahul M
Date: 10/16/2022
I signed up at Experian at their website and after logging in successfully first time, I have not been able to sign in again. It first tells me that my username is incorrect and when I use the username that they sent to me it claims again that the username is incorrect. I am unable to login and unfreeze my credit report.This is a nightmare situation because their phones are not manned by humans and their interactive voice system is downright horrible and ineffective.I am not sure how to get out of this fix and regret having signed up at this awful website (Experian).Poor job Experian !Experian Consumer Services
Date: 10/26/2022
Thank you for writing Experian(R) concerning your membership and logging in.Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic membership on October 14, 2022 and this membership is still active. Our agent reached out to you on October 26, 2022, to assist you with your login issues. Please reach out to that agent using the phone number she provided on your voice mail.We hope this information is helpful when considering this matter.Review fromDon C
Date: 10/15/2022
1 starDon C
Date: 10/15/2022
Experian in my opinion is unprofessional & does NOT deliver on what they Promise.In my case they LOWERED my FICO score by 22 points when it should have been INCREASED. Their software is outdated & they cant serve their clients fairly & equally & they intentionally make it IMPOSSIBLE TO SPEAK WITH AN AGENT.. They dont even deserve one star .Best,***********************Experian Consumer Services
Date: 10/26/2022
Thank you for writing Experian(R) concerning your score.Our records indicate you enrolled with Experian CreditWorksSM on January 24, 2017. The product you are currently using to monitor your credit is our complimentary Experian CreditWorksSM Basic membership that began on July 8, 2021.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. Differences in your score may 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. We hope the above information is helpful to you in considering this matter.Review fromMichelle A
Date: 10/13/2022
1 starMichelle A
Date: 10/13/2022
I wish I could give them e ZERO rating. Their automated system is the worst I have ever encountered and that is saying a lot. There simply is NO way to get to a human under any circumstances. No matter what you say you are redirected. There system was stuck so even though they sent me an automated message saying I needed to update my credit card there was no way to do so. I would go through every concievable gyration to get to a human but their system would either cut me off or put me on perma-hold with their musis and recording mocking me by saying your call is important to us and we will be right with you. I never did get to a human. I even tried saying I needed to report fraud - and they are in the business supposedly of protecting us from fraud - but even that was automated. I finally called the division of their business that handles large corporate accounts and the man who answered could not have been ***** or more apathetic. He just kept repeating himself that it was my problem and he couldnt help me. Yes I will be changing companies.Experian Consumer Services
Date: 10/26/2022
Thank you for writing Experian(R) about your membership concerns.Our records indicate that you have been enrolled with our monitoring products since February 5, 2019. You are currently enrolled in our Experian IdentityWorksSM Plus membership.We also indicate that your credit card information was updated on October 12, 2022 and on this date your last successful payment of $19.99 was processed from you credit card ending in 6376.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.At this time, we would like to express our regret that your experience *** 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 fromMarjorie C
Date: 10/11/2022
1 starMarjorie C
Date: 10/11/2022
Experian was just another credit reporting firm until I received an email from them asking if my car was my car; supposedly it was not a marketing email but if I confirmed it was mr **** theyd offer me free insurance info, recall info etc. Considering that I did not finance the purchase of the subject vehicle, this was a very creepy email. Obviously theyre trolling other sources to gather info. They could at least be upfront about their intentions.Experian Consumer Services
Date: 10/19/2022
Thank you for writing to Experian(R) concerning the email you received.Your concerns are very important to us. It is important to not that Experian does not place or direct solicitation phone calls to consumers, nor do we ***** or deny credit. Each credit *****or makes such decisions based on its own guidelines. Consumer credit reporting agencies only store information from credit *****ors and information contained in public records and supply this information to other creditors.All national consumer credit reporting agencies provide names and addresses to companies that send offers of credit or insurance for which you *** qualify.To have your name removed from the prescreened lists of the national consumer credit reporting agencies, call 1-888-5OPTOUT ***************). Consumers who have previously exercised their right to opt-out *** have their names re-added to prescreen lists upon request by calling 1-888-5OPTOUT ***************) and selecting the option for opting in.Some marketers and individual reference services share names and addresses with companies that send catalogs or other mailings that *** interest you or help others locate you.If you would like to remove your name from future lists, then send your full name and address to:Direct ********************* Mail Preference Service *********************************** Experian ATTN: Consumer Services Department ******************************************* 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 fromCynthia H
Date: 10/11/2022
1 starCynthia H
Date: 10/11/2022
Worst ever. No real live person and I got the run around for a week in ******** The worst credit bureau of all three!Experian Consumer Services
Date: 10/19/2022
Thank you for writing Experian(R) concerning your inability to reach an agent to assist you.Our agent sent you an email on October 19, 2022, to obtain some additional details about your concerns. Please respond to this agent and she will get you the assistance you need.We hope this information is helpful when considering this matter.Review fromJimmy J
Date: 10/10/2022
1 starJimmy J
Date: 10/10/2022
I recently applied for a home loan and have been getting nonstop calls from lenders. Turns out Experian passed on my personal contact information to several lenders without my permission.Experian Consumer Services
Date: 10/19/2022
Thank you for writing to Experian(R) concerning the calls you have been receiving.Your concerns are very important to us. It is important to not that Experian does not place or direct solicitation phone calls to consumers, nor do we ***** or deny credit. Each credit *****or makes such decisions based on its own guidelines. Consumer credit reporting agencies only store information from credit *****ors and information contained in public records and supply this information to other creditors.All national consumer credit reporting agencies provide names and addresses to companies that send offers of credit or insurance for which you *** qualify.To have your name removed from the prescreened lists of the national consumer credit reporting agencies, call 1-888-5OPTOUT ***************). Consumers who have previously exercised their right to opt-out *** have their names re-added to prescreen lists upon request by calling 1-888-5OPTOUT ***************) and selecting the option for opting in.Some marketers and individual reference services share names and addresses with companies that send catalogs or other mailings that *** interest you or help others locate you.If you would like to remove your name from future lists, then send your full name and address to:Direct ********************* Mail Preference Service *********************************** Experian ATTN: Consumer Services Department ******************************************* 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 fromTodd B
Date: 10/08/2022
1 starTodd B
Date: 10/08/2022
Criminals. They sell you a $1 credit report then start billing you a $29.99 monthly membership you never signed up for.Experian Consumer Services
Date: 10/13/2022
Thank you for writing and expressing your concern regarding your membership with Experian. Our records indicate that you ordered a one-dollar credit report along with a trial CreditCheck Total membership on August 25, 2022. 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 on September 5, 2022. A welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits ceased, effective October 6, 2022 . 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 $59.95 on October 13, 2022. 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 CreditCheck Total 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 fromMichael B
Date: 10/07/2022
1 starMichael B
Date: 10/07/2022
These guys are a complete joke. How they maintain any customer base is beyond me. Di9k suckers and money whores! I have 15 pages in the ALERTS and not a single one of the accounts is mine. Then they tell me I have a "0"score? stupid A.F. This is whats wrong with capitalism, *I would rather have the choice of leaving negative stars but in order to post this you have to give them 1? That doesn't represent my review, negative 5 is more like it.Experian Consumer Services
Date: 10/13/2022
Thank you for expressing your concerns regarding Experian. Credit bureaus maintain separate records of consumers information. If there is inaccurate information on your credit report, that information will need to be disputed. To dispute possible inaccuracies on your credit file you must direct your 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 http://ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf Listed below is the dispute contact information for the three national credit bureaus: Experian(R), Equifax(R) and TransUnion(R).Experian(R):Online Dispute: http://www.experian.com/dispute/Mail: ************************************ Telephone: ************** Equifax(R):Online Dispute: https://www.equifax.com/personal/credit-report-services/credit-dispute/Disputes via **** postal mail:Equifax LLC ****************************************** Telephone: ************** TransUnion(R):Online Dispute: http://www.transunion.com/corporate/personal/creditDisputes.page Disputes via **** postal mail:TransUnion Consumer Solutions ************************************************ 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 fromJohn W
Date: 10/02/2022
1 starJohn W
Date: 10/02/2022
CONS:- Claims No Credit Score? Despite consistent early payments on bills as well as other accounts conveniently not listed without wanting my Bank Account information?- Items showing up on Credit not applicable to myself.- **** limited list and generic credit history. Not at all thorough. For example, when applying for a home loan, there was every single detail about credit history. Experian literally only showed 1 thing on my credit.- Linked with another of the same name which was not me. - Poor/Lack of Solutions to resolve issues.- Misleading, Over-hyped. Nothing to improve my score or lack of as mentioned above.- Not worth the monthly subscription, can find better, more detailed solutions on my own.- Gave list of Credit Cards I was eligible to apply for, only to tell me my Credit doesnt apply.- TrustPilot? 3rd Party/Spam/Sell Info? Attempted to submit 1 STAR review, and prevented, though you will see on their site only 5 star reviews.PROS:- Great concept, (though underdeveloped).- Removed from specific lists, (though I assume now not a member back on their lists).Conclusion, based on the experience mentioned, it is simply not worth my time, or money. Generic, Misleading, Not thorough, not at all helpful.Experian Consumer Services
Date: 10/13/2022
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. Regarding your concerns with Experian Boost, an account must be a utility or telecom (mortgages are not included) with at least three bills paid from the connected bank account over the last six months in order to be eligible for Experian Boost. Experian Boost also only picks up online payments and does not include check or cash payments. Additionally, Experian Boost requires that you have online banking with your bank or credit union. We cannot manually add accounts to your Boost program. Once you establish a link with your bank and Boost by signing in with your bank credentials on our site, the accounts are then identified by our program and presented to you for verification.There are instances where Experian Boost is unable to identify certain utilities, and in these instances the feedback received is provided to our development team. As we continue to improve it is possible that your utilities may become eligible. We suggest keeping your bank account connected as the system will continue to scan, and if at some point your utility or telecom payments become eligible you will be notified via email.Please note, we do not ***** or deny credit. Each credit *****or makes such decisions based on its own guidelines.Regarding partner offers presented within our membership products, our Terms and Conditions state, in part: Please note that prequalification for a credit opportunity available through a third party does not guarantee approval, and you will need to submit an application with such third party if you choose to apply for a prequalified offer (and such application may result in a credit inquiry that can impact your credit score(s)).When selecting to apply, our website also advises the consumer that they will be redirected to the credit *****ors website to complete the application process, at which point the credit *****ors terms will apply. The following disclosure also appears in our Terms and Conditions: For complete information on any particular offer, see the terms and conditions on the issuer or lender's website. Once you click apply for any offers, you will be directed to the issuer or lender's website where you may review the terms and conditions of the applicable opportunity or offer before applying.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 http://ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf Listed below is the dispute contact information for the three national credit bureaus: Experian(R), Equifax(R) and TransUnion(R).Experian(R):Online Dispute: http://www.experian.com/dispute/Mail: ************************************ Telephone: ************** Equifax(R):Online Dispute: https://www.equifax.com/personal/credit-report-services/credit-dispute/Disputes via **** postal mail:Equifax LLC ****************************************** Telephone: ************** TransUnion(R):Online Dispute: http://www.transunion.com/corporate/personal/creditDisputes.page Disputes via **** postal mail:TransUnion Consumer Solutions *********************************************************** 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.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.
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