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

• 

  Freecreditreport.com / Cictripleadvantage

  Trenton, NJ 08620

• 

  ProtectMyID.com

  PO Box 22 Allen, TX 75013-0001

• 

  Experian

  1100 NW Loop 410 San Antonio, TX 78213-2263

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  Experian Consumer Services

  Colton, CA 92324

Review Details

• Review fromKathryn K

  Date: 12/23/2023

  1 star

  Kathryn K

  Date: 12/23/2023

  Can never get into my account. Can not get in touch with someone who speaks good English. All you want to do is sell your products. You dropped my score by 20 points for no good reason. You ate playing with peoples lives because you can!!!! I closed my apple card because of fraudulent charges and this is what you do? You should be ashamed.

  Experian Consumer Services

  Date: 12/28/2023

  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.

• Review fromKiara G

  Date: 12/21/2023

  1 star

  Kiara G

  Date: 12/21/2023

  I wish i could give 0 stars. Im not even sure why Im being changed almost thirty dollars a month. But i dont want it! And dont recall signing up for this! I tried to cancel it online, but all they do is ask for a new card number to pay, with no way around that screen. So i try to email them to cancel this membership but theres no email. Just a website. No chat option or call back option either. How is that possible. So i carve out some time in my day to call and cancel this membership. And its impossible to speak with a human rep. I just kept going in circles. It was the worst self help system i have ever encountered. And i never got thru to anyone. And this is the company that i should trust with my credit?!? Disgusting.

  Experian Consumer Services

  Date: 12/28/2023

  Thank you for writing and expressing your concern regarding your membership with Experian(R) CreditWorksSM . Our records indicate that you enrolled with CreditWorksSM on December 14, 2023. Per your request, your paid benefits will cease, effective December 28, 2023. You will continue to have 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 fromMichael H

  Date: 12/16/2023

  1 star

  Michael H

  Date: 12/16/2023

  Less than one. Telephone system is useless. There is no way to contact a human being if your questions don't fall under very limited and specific categories.No way to get through to verify and update my profile information. They just make up stuff and throw it on my credit report and refuse all efforts at correcting my information in a timely fashion. Why don't they verify my information BEFORE they permanently put stuff on my credit report? Someone somewhere makes a typo and suddenly that becomes part of my permanent credit history???I think Experian is the fraudulent entity in the credit monitoring ecosystem.

  Experian Consumer Services

  Date: 12/20/2023

  Thank you for expressing your concerns regarding Experian(R).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 fromJameka S

  Date: 12/15/2023

  1 star

  Jameka S

  Date: 12/15/2023

  They have my direct deposit but will not release my money. They keep saying theyre doing research. My employer has already approved and sent my funds. Very fraudulent and I will be closing the account immediately

  Experian Consumer Services

  Date: 12/20/2023

  Thank you for writing and expressing your concern regarding your membership with Experian(R) CreditWorksSM Basic. I have tried to reach out to you today at 11:30 AM CST but unfortunately was unable to reach you. I did provide you with my contact information to reach back out to me regarding your concerns with Smart Money. 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 fromSarah H

  Date: 12/14/2023

  1 star

  Sarah H

  Date: 12/14/2023

  I was a subscriber to experian to get my credit together. It worked. My credit score rose up very rapidly. Then they started exposing my bank account dollar amount to of course get me better offers, but it also set me up to be robbed or much worse. I asked them to take it off and they didn't at first. Then I asked them again and I decided to stop my subscription and take my monthly bill payments off as well to close my account. Well ******************* office called me and it was intimation to me. So I did what was asked, which was give them a good review/survey. After I did that, my credit score continued to drop. The reason because I filed for chapter 7 bankruptcy. This company should NOT be allowed to do this to anyone. They are definitely a ************** especially towards African American. I have been turned away from anything I've applied for even my own bank because they also use Experian credit Agency. I will join in with whomever wants to bring a lawsuit against them. Thank you in advance.

  Experian Consumer Services

  Date: 01/02/2024

  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 fromRickey G

  Date: 12/13/2023

  1 star

  Rickey G

  Date: 12/13/2023

  Broken website, lost information overnight and can not correct it. Even a simple phone number change can't be accomplished. Customer ********************** nearly non existent by phone. Email customer ********************** is a joke, They have no idea what to do or how to fix a problem even simple ones.

  Experian Consumer Services

  Date: 01/02/2024

  Thank you for writing and expressing your concern regarding your membership with We apologize for any inconvenience our hold times caused you. We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve. I have sent an email to you with my contact information. If I can be of any further assistance to you in connection with this issue please do not hesitate to contact me.

• Review fromKr R

  Date: 12/13/2023

  1 star

  Kr R

  Date: 12/13/2023

  They let creditors do what they want. They can place what they want on your credit, they can report paid off accounts months later. When you call you get ppl who dont speak english or answers your questions. Just know this bureau is fraud and will always be fraud.

  Experian Consumer Services

  Date: 12/28/2023

  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 fromJoseph C

  Date: 12/06/2023

  1 star

  Joseph C

  Date: 12/06/2023

  Impossible to speak to customer **********************. My phone number was wrongly associated to another credit check and I cant fix it

  Experian Consumer Services

  Date: 12/28/2023

  Thank you for expressing your concerns regarding Experian CreditWorks? Basic. 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 fromDarlene L

  Date: 12/04/2023

  1 star

  Darlene L

  Date: 12/04/2023

  Experian is racist towards African-Americans and biased towards females. This company pulled my information from Transunion at Equifax. They see that I have no student loans. This company refused to remove the student loans that is in accurate information that is not allowing me to utilize my own credit they are trash. I recommend that everybody get a lawyer and *** this company when it comes to any inaccurate information.

  Experian Consumer Services

  Date: 12/28/2023

  Thank you for expressing your concerns regarding Experian(R). 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 fromLajuana D

  Date: 12/04/2023

  1 star

  Lajuana D

  Date: 12/04/2023

  This company was deducting my account for $24.99 monthly for 3 months. I never signed up or authorized Experian membership . When I called to inquire about this matter experian representative said its through apple. he was able to cancel the membership but gave me a bogus telephone # to contact apple for a refund! I called experian back about this and an another representative was able to refund me for 2 months. The other month I would have to contact my bank for a refund. Im not happy about this fraud! I work hard for my money!

  Experian Consumer Services

  Date: 12/20/2023

  Thank you for writing and expressing your concern regarding your membership with Experian. Our records indicate that you ordered a credit report along with a trial Experian CreditWorks Premium membership on September 22, 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 on October 5, 2023. Per your request, your paid benefits ceased, effective 12.4.2023. 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 refunds totaling $74.97 as of December 5, 2023. 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.