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

  2377 Gold Meadow Way Ste 100 Gold River, CA 95670-4444

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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

Review Details

• Review fromNorman K

  Date: 08/07/2022

  1 star

  Norman K

  Date: 08/07/2022

  Horrible customer **********************. Could not be worse. They make it almost impossible to get through to a live agent. Once you have a live agent on the phone, the line eventually randomly disconnects, and they do not call you back. Their website is not functioning, and it appears impossible to reset a password or even to create a new account. Dealing with them costs many hours without a satisfactory resolution, even when you are worried that there might be an issue with your information. It appears impossible to verify if someone has hacked into your information or not. They make everything extremely difficult, and despite having bad customer ********************** experiences with phone companies and airlines, Experian beats them all. Worst customer ********************** I have experienced in a very long time. And the system seems to be set up to drive customers away. This is not any individual's failure but designed this way.

  Experian Consumer Services

  Date: 08/13/2022

  Thank you for writing Experian(R) about your membership.Our records indicated a partial enrollment that was not authenticated under your name. This account has been discontinued. We do apologize for the inconvenience this has caused.Please go to www.experian.com/freeze and set up an account there. You will need to complete the security questions to authenticate your identity and start the account. You will be able to begin one of the following accounts: Experian CreditWorksSM Basic is a complimentary product of Experian(R), which provides consumers access to their Experian report and FICO(R) Score once every 30 days, free of charge, along with monitoring alerts which are updated daily. In contrast, an Experian Service Account does not involve enrollment in a membership. It is an online portal through which consumers may log in to manage a security freeze, as well as submit disputes and review dispute results. If you cannot or choose not to access our online service, you can contact ** by phone *************) or mail (ECA, ***********************************) to assist you.We hope this information is helpful when considering this matter.

• Review fromYi L

  Date: 08/06/2022

  1 star

  Yi L

  Date: 08/06/2022

  I am actually having a good laugh at this - if you forget your security questions (even though you have your username and password), you will pretty much have an employee with an accent that speaks improper English tell you that you are pretty much locked out of your account forever.

  Experian Consumer Services

  Date: 08/13/2022

  Thank you for writing Experian(R) about your experience with our customer ********************** agents.Our records indicate that you have enrolled in the Experian CreditWorksSM Premium membership on July 11, 2022. Our records also indicate that our agent reached out to you on August 12, 2022, to assist you with your login issues. Since our agent did not reach you, he did leave a voice mail with his direct phone number. Please contact that agent for assistance with your membership.We hope this information is helpful when considering this matter.

• Review fromFlorence H

  Date: 08/03/2022

  1 star

  Florence H

  Date: 08/03/2022

  Experian is the worst. To try to get a credit report, in ********************************************************************************* **** and was separated for two years before and had no idea what cars he bought or addresses he lived at and Experian refused to send me my credit report. I had to complain to Consumer *************************** and they contacted Experian who only sent me a partial credit report and mistakes on it. Experian gives out numbers to call to speak to a live person, and that is a total lie. The numbers are automated and refuses to give you a live person to speak to. TransUnion always gives you a live person to speak to, gives you your credit report with no problem and Experian does not help you at all. I was told to call my state and district senator and Congressional Representative to complain about Experian plus the Attorney General and I will after this review. Experian lies and gives false information.

  Experian Consumer Services

  Date: 08/05/2022

  Thank you for writing Experian(R) about your credit report.Our records indicate you began our complimentary Experian CreditWorksSM Basic membership on August 3, 2022. This membership provides your Experian(R) credit report and FICO(R) 8 Score every 30 days while monitoring the Experian(R) credit file. We show that you received your credit report on August 3, 2022.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 might not report it to us.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. 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 http://ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf Listed below is the dispute contact information for Experian(R)Online Dispute: http://www.experian.com/dispute/Mail: ************************************ Telephone: ************** We hope this information is helpful to you in considering your report.

• Review fromPam B

  Date: 08/03/2022

  1 star

  Pam B

  Date: 08/03/2022

  I had excellent credit on 7/14/22. On 7/28/22 Experian had TOTALLY altered my credit history for ****** **** has now plummeted to 709 from 804. The **** scores are totally different from the scores I monitor monthly. I have ZERO debt & no late payments. The agents that I was able to speak to provided no answers at all. They apparently want me to sit back & totally let them change my credit history without explanation. I sent a mail dispute, but will likely have to hire a FRCA attorney.

  Experian Consumer Services

  Date: 08/05/2022

  Thank you for expressing your concerns regarding the FICO(R) Score 8 included in your membership. Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic membership on November 7, 2019, with a FICO(R) 8 Score of 714. Our records further indicate a credit report and score on July 13, 2022, of 709 and your final report listed on July 28, 2022, with a score of 709.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 may change often. 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. Here the score that is provided as part of your Experian CreditWorksSM Basic 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. 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.

• Review fromBeatrice K

  Date: 08/01/2022

  1 star

  Beatrice K

  Date: 08/01/2022

  ZERO STARS!!! Experian is a joke of an agency. How can you run such an important service and have zero customer **********************!?! If I really had an emergency on my hands I would be *************** just because this company doesn't seem to own a telephone and has an absolutely failure of an automated system. I can't speak to a representative to help me clear up what should be an easy fix. Instead I'm frozen in limbo for weeks while I have to (snail) mail in documents, even the email option is NOT an option, after mailing in documents I have VERY little hope my problem will be resolved! Absolutely ridiculous I agree with others complaining on this website, this company is GARBAGE!! BBB how does this company have an A+ rating, also why is zero stars not an option?

  Experian Consumer Services

  Date: 08/05/2022

  Thank you for writing Experian(R) about your freeze concerns.Our records indicate you had a security freeze on your Experian credit file until August 4, ****, when that freeze was temporarily removed. Once the time frame has past for your removal, the freeze will automatically go back into place.We recently updated our processes for administering security freezes. To add or remove a security freeze, a consumer must initially visit www.experian.com/freeze. Existing Experian members will be prompted to sign into their membership. Non-members will be prompted to create a free membership in Experian CreditWorksSM Basic or to create an Experian Service Account. Experian CreditWorks Basic is a complimentary product of Experian, which provides consumers access to their Experian report and FICO(R) Score once every 30 days, free of charge, along with monitoring alerts which are updated daily. In contrast, an Experian Service Account does not involve enrollment in a membership. It is an online portal through which consumers may log in to manage a security freeze, as well as submit disputes and review dispute results. If you cannot or choose not to access our online service, you can contact us by phone *************) or mail (ECA, ***********************************) to manage your security freeze.We hope this information is helpful to you when considering your security freeze.

• Review fromFrankie C

  Date: 08/01/2022

  1 star

  Frankie C

  Date: 08/01/2022

  I cannot get ahold of anyone in customer ********************** have tried for 3 days about an hour. No matter what you will not talk to a person this is absolutely insane. Worst company ever.

  Experian Consumer Services

  Date: 08/04/2022

  Thank you for writing Experian(R) about your credit report concerns.Our records indicate you enrolled in Experian CreditWorksSM Basic on August 2, 2019, and then upgraded to our paid Experian CreditWorksSM Premium membership on July 30, 2022. We are also showing that you have downgraded to the free Experian CreditWorksSM Basic membership and it will start again on August 10, 2022.After a detailed research, we are showing you have removed your security freeze on July 30, 2022. On this same date you added and then removed a CreditLock. We also have found a few soft inquiries by insurance companies on July 30, 2022.We hope this information is helpful in considering your membership concerns.

• Review fromSimone H

  Date: 07/31/2022

  1 star

  Simone H

  Date: 07/31/2022

  I believed that subscribing to Experian would help me monitor and repair my credit. I did pay off some of the things on it that Experian showed would help raise my score. But they also send me several emails and alerts a week telling me I need to apply for credit cards to help raise my score even more by increasing my available credit. Well Im now in nearly 5, 000 in more debt, and the credit card recommendations continue to come in the app on in my emails np lwhat seems like daily. I needed more discipline with using credit to survive, not encouragement to get into more debt. I will be deleting Experian. So I just dont want anyone else to fall in this trap and hope it helps someone.

  Experian Consumer Services

  Date: 08/04/2022

  Thank you for writing Experian(R) about your marketing emails.Our records indicate you have our complimentary Experian CreditWorksSM Basic membership since October 10, 2021. Our records also indicate that you opted out of our marketing emails on July 31, 2022. This will stop the credit card offers you have experienced.We hope this information is helpful when considering your membership.

• Review fromSSR

  Date: 07/29/2022

  1 star

  SSR

  Date: 07/29/2022

  Experian has designed a phone and email system that is designed not to meet consumer needs. With forced choice options that do not meet consumer needs. It is designed to fail.I am a victim of identity theft. I want to change my Experian user ID. Instead of offering that option, Experian sends my original user ID to me again and again. There is absolutely no way that a consumer can talk to a person in their failure guaranteed system. By failing to offer me an a way,to correct this situation, they are exposing me to more fraud. The their can enter my account at any time and remove my fraud alert.

  Experian Consumer Services

  Date: 08/04/2022

  Thank you for writing to Experian(R) about your username.Our records indicate you enrolled with Experian CreditWorksSM Basic on September 13, 2017, and this membership is active. Our records also indicate you called in and added a fraud alert to your credit file on July 25, 2022.As for updating your username, that is accomplished while logged into your membership. You will go to the drop-down menu on the top right side and select your account. Within the information provided is your username. You can select this section and change your username.Protecting consumers information is among our highest priorities. Specific to your question, once an Experian account is created, if someone attempts to create a second Experian account, our systems will notify the original email on file.We hope this information is helpful when considering this matter.

  SSR

  Date: 08/08/2022

  Thank you for this information. It is hidden and now revealed. I have another complaint. I checked my Experian report today. As you acknowledged, a fraud alert was placed on &/25/22. Yet today In my name there is a pre-aproaved $35000 lan offer from Lending Tree. As you know The thief requested a loan and fraudulent requests were made to ten other institutions. Why are those offers on my account today, more than one week after the fraud alert was made? Please remove all fraudulent requests from my account.

• Review fromJennifer L

  Date: 07/29/2022

  1 star

  Jennifer L

  Date: 07/29/2022

  Worst company to deal with. Unable to unlock accounts and find any live person.. NO STAR

  Experian Consumer Services

  Date: 08/03/2022

  Thank you for writing Experian(R) about your freeze and phone experience.Our records you were able to lift your security freeze on July 29, 2022. Our records also indicate you attempted to start a membership on July 28, 2022. Our agent reached out to you by phone on August 3, 2022. She was able to leave you a voice mail with her contact phone number and her hours. Please contact that agent to assist you with your membership.We hope this information will assist you when considering this matter.

• Review fromRebecca S

  Date: 07/25/2022

  1 star

  Rebecca S

  Date: 07/25/2022

  After requesting at least 10 times for Experian credit tracker to STOP sending emails, they continue to do so. After warning them that Id ********************** them on BBB someone wrote to me that emails would stop.but they havent. To me this is harassmentI dont want all their emails!!!

  Experian Consumer Services

  Date: 08/03/2022

  Thank you for writing to Experian(R) about your email communications.Our records indicate that you began a membership with Experian CreditWorksSM Basic on July 11, 2020. This membership monitors your credit file at Experian and allows you access to the Experian credit report once every 30 days. Our records do not indicate any phone calls, emails, or letters to our customer ********************** to cancel the membership. Following this complaint, your membership was cancelled to no benefits on August 3, 2022, and this should stop the emails you are receiving.We hope this is helpful in considering this matter.