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Initial Complaint
07/27/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I just found out that Experian has been deducting $26.99 per month from my bank account since October 23, 2023.I never signed up for a recurring Experian Service. At that time I was shopping for homeowners insurance quotes. I think I was somehow mislead into signing up to their program while trying to get insurance quotes. Or I signed up for what I thought was free monitoring following a data breach.Regardless of how I signed up I never signed up for a recurring monthly subscription from Experian. I want a full refund for the (10) monthly deductions of $26.99 they made to my bank account.
Customer response
07/30/2024
Yes I authorized this complaint.
I never knowingly signed up for a recurring service but they deducted $26.99 from my bank account (10) times between October 2023 and July 2024.
Initial Complaint
07/21/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I called experian to file a dispute. I called on July 15, 2024, on or around 4:37 PM PDT. I dialed ****************. I spoke to a male agent in ********** by the name of *******. After providing him all of my personally identifiable information, he said hes required to send me a one-time passcode to my phone number. I refused to receive text messages from experian. ******* said if I dont accept the one-time passcode he cannot file my dispute. This is a false and misleading statement. A consumer is not required to have a cellphone in order to file a credit dispute. I told Giovani I can provide my experian report number, my experian security question answer and PIN number, and answer the system generated security questions based on public records. ******* refused and said ** required to have a cell phone. I thought I heard him laugh and I confronted him. He was rude and answered can you see my face? Experian agents should never be rude to consumers. Because ******* refused to file my dispute, I was forced to disconnect and call back. The next agent I spoke to was a female agent and was very nice. She indicated a cellphone and one-time passcode are not required to file a dispute. I was successfully authenticated with the female agent and filed my disputes. Please sanction Giovani. See case complaint no.: *********.
Customer response
07/23/2024
Please send my complaint to the other side.
Business response
07/30/2024
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

We apologize for any inconvenience the consumer experienced in their previous contact with Experian. If they continue to have questions or concerns regarding their Experian credit report,

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.

Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.

Sincerely,

***********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/19/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
It is my right under the **** 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my ********************** report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the ***** the *** and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will *** your company for the maximum civil, criminal and punitive damages available by law.This notice is to inform you that you are unlawfully reporting an unauthorized account on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated identity theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability.
Customer response
07/20/2024
my name is loudejenny deus and I am not working with a third party. please process my complaint with the attached documents, thank you.
Business response
07/29/2024
Our office recently received your correspondence regarding the above-mentioned consumers personal credit profile.

We are currently reinvestigating the disputed Credit One & Discover accounts with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

Our records indicate that the disputed ***** & ******* does not appear on the consumers current Experian credit report.

According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

***********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/19/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
see Attached document
Business response
07/24/2024
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

In the complaint, the consumer states Please see attached document. I was unable to locate a document.

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.

Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload. They may also visit Experians dispute center by visiting www.experian.com/dispute.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/18/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
To whom it may concern: I am writing to inform you this is my THIRD WRITTEN REQUEST and FINAL WARNING I have received a copy of my credit report and it has come up with some errors. Experian reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.My only name is *******************************, I do not have another name or alias. I insist that you remove all names from your system that do not match *******************************.Also, my current address is ************************************! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from ************************************ is not accurate and should be removed immediately.I ask Experian to remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate.I look forward to your written response confirming your compliance on this matter as well as an updated credit report. Sincerely *******************************
Customer response
07/18/2024
Please proceed with my request See attached documents
Business response
07/25/2024
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

We store information based on identification and address information provided to us by credit grantors and providers of public records. One or more sources of information reported the name and address information, and it is a part of the consumers credit history. If the consumer believes this information is inaccurate, they may want to contact the source of the information directly. Please contact us directly by phone if additional assistance is needed to determine the specific sources of particular identification and address information on the credit report.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/18/2024
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Experian is reporting a fraudulent account ***** OF AMERICA - 440066XXXXXXXXXX" to my consumer credit report. I have properly disputed this account, I have also attached a sworn affidavit of identity theft as well as all of the required identifying documentation (ID, W2, Utility Bill) to have this fraudulently reporting account blocked. I have also reported this matter to the ************************ (FTC) as well as the ************************************ (CFPB). This has really negatively impacted my life. This has been very hard on me and my family, Identity theft is ruining my life. I have done everything properly and I still have not received help in accordance with the law.
Customer response
07/18/2024
Hello,
I *********************** ********* confirm that I "personally" have filed this complaint with the BBB. I have attempted at resolving this situation previously and have received no help in accordance with the laws put in place to protect me from identity theft. This has been extremely hard on me, and I have been left with no choice other than to file a complaint. I am thankful of you "BBB" for assisting me with this situation and allowing my voice to be heard. The reporting of this fraudulent account has devastated my life.
Business response
07/23/2024
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in order to access the credit information. Please forward the consumers specific disputes along with the consumers complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).

Please include one copy of a government issued identification card, such as a driver's license, state ID card, etc. and one copy of a utility bill, bank or insurance statement, etc.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer response
07/24/2024
This is unacceptable, Unless the team in charge of reviewing this information is incompetent, I would like them to confirm how they're unable to verify the w2, DL and utility bill that has been attached to this complaint?
Business response
07/30/2024
Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint.

We are currently investigating the disputed information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at:
******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs
Customer response
08/01/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

**********************************
Initial Complaint
07/16/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with Experian Rentbureau. I do not have a contract with Experian Rentbureau. They did not provide me with the original contract as requested.
Customer response
07/25/2024
I am confirming that I submitted the complaint against Experian RentBureau.

On July 11, 2024, I applied to rent a unit in *********, *** Rentgrow Screening provided the attached screening report that reflects a Write-Off account for $3827.83 from *************** LLC that Experian RentBureau reported.

I do not have a contract with *************** LLC and Experian RentBureau for this Wrte-Off account and it does not appear on my credit report.

Resolution: Experian RentBureau to remove this write-off account from being reported immediately.
Business response
07/31/2024
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

In order to investigate the consumers complaint, please forward the consumers specific disputes along with the consumers complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).

Please include one copy of a government issued identification card, such as a driver's license or state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

Thank you for allowing me to assist you. Please contact me directly if you have any questions.

Sincerely,

***********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/16/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
2-3 years ago someone tried to hack into my credit so I froze it. I called this credit bureau to go ahead and freeze. I was advised to save the pin numbers and did so. When I was ready to unfreeze, I called them and they refuse to unlock my credit report. They wont take my pin numbers, and ask me questions about some continent overseas and movie stars, and some phone numbers that I do not recognize. They told me If I cannot answer the question, they cannot unfreeze my report.I would provide the Pin number here, but I am unsure how personal it is and I do not want that info provided when this complaint gets posted to the public.
Business response
07/18/2024
Hello ***************************
We appreciate your message, and we are sorry to hear about the trouble with your credit report.
To assist you in resolving this matter promptly and efficiently, I am referring you to our dedicated Experian credit department.

Please contact ************** or ************* to speak with a live person, or you may submit a contact form for assistance by visiting ***************************************************************************************************.

Thank you for your patience and understanding. We value your relationship with us and are committed to serving you better.

Warm regards,

AutoCheck Customer Support
Business response
08/01/2024
Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.

Our records indicate that the consumers file does not display a freeze. It appears that the consumer permanently removed on 7/30/2024.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Thank you for bringing the consumers complaint to our attention for review. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. If you have any questions, please contact me directly for assistance.

Sincerely,

***********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
07/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
My name is ***************************, date of birth 4/6/74 and the last four of my social security is 2962. I have requested Experian to delete the address ************************************* from my credit file and they refused too. They are telling me the address is connected to NELNET which is my student loans and it is not. I have attached a copy of what address is listed under my account from the website when I logged into my account. They also telling me that NELNET has not sent an update to them for over a year. How can Experian tell me what address is connected to my account when its my account and not theirs? Again I have attached proof and I want that address removed immediately for fear of identity theft. The Fair Credit Reporting Act (****) is to protect consumers from inaccurate credit reporting. The **** requires credit reporting agencies (CRAs) to use reasonable procedures to ensure the accuracy of consumer reports and Experian is not. Please remove that address from my file immediately. I have attached proof that address is not connected to my Nelnet Student loans.
Customer response
07/16/2024
I give confirmtion for BBB to submit my complaint to Experian.

***************************
Business response
07/23/2024
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We store information based on identification and address information provided to us by credit grantors and providers of public records. One or more sources of information reported the address information, and it is a part of the consumers credit history. If the consumer believes this information is inaccurate, they may want to contact the source of the information directly. Please contact us directly by phone if additional assistance is needed to determine the specific sources of particular identification and address information on the credit report.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*********************
Senior Regulatory Affairs Associate
Experian Consumer Affairs
************
Initial Complaint
07/16/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have repeatedly asked this company to remove inaccurate information off my credit report. They have constantly replied with verified. I have repeatedly asked for supporting documents of the inaccurate information reporting to my credit report but yet to this received anything to show how they verified this inaccurate Information violation of my rights.
Customer response
07/16/2024
I have asked numerous times for Experian to delete the inaccurate account they are reporting on my credit report. I have also asked the company to send supporting documents on why they are reporting inaccurate accounts on my ********************** report. These inaccuracies are a violation to my consumer rights. I need this account removed ASAP. This is messing up my credit profile.
ACCOUNT REPORTING INACCURATE:
NAVY FEDERAL CR UN 461266XXXX INACCURRATE ACCOUNT
Business response
07/24/2024
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

Our records indicate that we have contacted Navy FCU and Onemain to verify the accuracy of the information with which the consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review.

When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by law. We contact the furnisher of the data to verify the accuracy of the disputed information.

If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right,under the ***** to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.

For additional assistance,they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Senior Regulatory Affairs Associate
Experian Consumer Affairs

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