Business Profile

Credit Reporting Agencies

Experian

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Complaints

This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

13,857 total complaints in the last 3 years.
3,189 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/11/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is a violation under 15 US code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my ********************** report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S Code 1581b(2) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2, mandates blocking such data without my written permission according to 15 US Code 1581a(4)
Business Response
Date: 04/18/2025
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.

For information about Experians dispute process, please visit *******************************************************************.

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
Initial Complaint
Date:04/10/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently viewed my credit report and I found I was a victim of identity theft. I would like this removed from my credit report as its hurting me from building credit.CAPSTONE ***************************** D21799XXX
Customer Answer
Date: 04/11/2025
I authorize this complaint
Business Response
Date: 04/18/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed CAPSTONE CREDIT & COLL D21799XXX account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

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. *************************.
Customer Answer
Date: 04/23/2025

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
Date:04/10/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hi,I recently requested a credit report from all three credit reporting agencies and noticed the following; there is a late payment on this account that is inaccurate, the account has never been late and no payment have been missed. I am requesting you investigate this account and update to paid on time immediately. The credit reporting agencies are required to report all information accurately. I have not been late on any payments, I kindly demand that payments are updated immediately as to paid on time as I have substantial doubts on the accuracy of these late payments. Please see a screenshot from my credit report pulled on *****, 2025. I thank you for your prompt response and action.
Customer Answer
Date: 04/10/2025
I authorize this complaint.
Business Response
Date: 04/18/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed ***************,N.A.-64004187xxx account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

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. *************************.
Customer Answer
Date: 04/23/2025

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 resolved once removed/updated in credit report.

Regards,

********* ****
Initial Complaint
Date:04/10/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This account was charged off on the following date (AUGUST 2024). Since then, the account has been repeatedly updated as charge off every month. The most recent update was SEPTEMBER 2024. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian failed to investigate this account properly and their neglect violates my rights under the **** law 15 U.S. Code 1681s-2(a).. I am demanding a deletion of the following account: ACHIEVE PERSONAL LOANS - APP342XXXXX
Customer Answer
Date: 04/10/2025
Hi -
Confirming I am authorizing the submission of this complaint and requesting assistance from BBB.
I have raised over 5 disputes with Experian regarding the error and inaccurate reporting of the information. I have not received any of the requested written documents they used to verify the inaccurate information and no contact information about who was contacted at the creditor. I've additionally asked them to update and/or remove the information due to violation of the **** laws clearly outlined in the supported documentation sent with all my disputes. Experian has refused to provide detailed written correspondence and/or justify why the information was not updated.
Business Response
Date: 04/18/2025
RE: ****** *****
Complaint ID # ********

Dear Better Business Bureau:

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.

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,

Experian Consumer Affairs
Customer Answer
Date: 04/23/2025

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
Date:04/10/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am formally requesting the removal of the unauthorized hard inquiry from my credit report, as I did not initiate or consent to this inquiry. AMERICAN EXP 04/09/2025
Customer Answer
Date: 04/10/2025
I confirm that I authorized the filing of this complaint and affirm that it has been submitted with my knowledge and consent.
Business Response
Date: 04/18/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed fraudulent AMEX inquiry dated 04/09/2025 with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

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. *************************.
Customer Answer
Date: 04/23/2025

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
Date:04/09/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Dear ********** this is a continuation of my complaint submitted on December 27th, 2024, where Experian ensured me that they were removing the inaccurate information regarding, names and address from my consumer report. see attached complaint ID# ********. Upon receiving my consumer report Experian failed to remove the inaccurate information from my report. In their response to me through the Better Business Bureau, Experian clearly stated, "We are currently removing the disputed names and address information with which the consumer disagrees... see attached complaint with Experion response.Under 15usc 1681i Experian has an obligation to reinvestigate consumers dispute and delete inaccurate information from a consumer file within the 30-day period if they cannot verify the information. Experian failed to comply. thank you in advance for looking into this issue. ******** *****
Customer Answer
Date: 04/10/2025
I ******** ***** authorize the submission of this complaint and is requesting assistance from the BBB.
Experian assured me through the BBB that they were removing the inaccurate names and address from my consumer file but failed to respond and failed to remove the inaccurate information. thank you for your help in advance, ******** *****
Business Response
Date: 04/21/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed 45 NISA LN and 45 NISA LN, # ***** address variations with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

Our records indicate that the 122 SILVER ST address does not appear on the consumers current Experian credit report. We are sending a copy of their Experian credit report to them for review.
We store address and name information as it is sent to us by credit grantors or from information contained in public records. One or more sources of information reported the address/ name questioned and it is a part of a consumerscredit history. If a consumer believes an address/ name in their credit report is inaccurate, they may want to contact the source of the information directly. They may also contact us by phone at ************** if they need additional assistance to determine the specific source of a particular address/name on their 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. **************************
Initial Complaint
Date:04/09/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO FIND I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THIS ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THEY OR THIS IS HURTING MY ABILITY TO OBTAIN ******************************* BANK $3,381 601101XXXXXXX JPMCB CARD $13,477 414740XXXXXX NAVY FEDERAL ******** $***********
Customer Answer
Date: 04/09/2025
Yes, I authorized this complaint.
Business Response
Date: 04/18/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed DISCOVER BANK ******XXX, JPMCB CARD ******XX, and NAVY FEDERAL ******** ******XXX account ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

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 our office if you have any questions.
Customer Answer
Date: 04/23/2025

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
Date:04/09/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my credit report to this complaint on the dates (9/23). ******* is reporting this payment as paid on time while Experian is reporting it as 30 days late. I demand this payment be updated to paid on time immediately. You cannot report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. please update the account to PAID NEVER LATE.
Customer Answer
Date: 04/09/2025
I give written authorization for bbb to submit
Business Response
Date: 04/17/2025
Dear Better Business Bureau:

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.

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,

Experian Consumer Affairs
Initial Complaint
Date:04/09/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100% correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.
Customer Answer
Date: 04/10/2025
Hello and good day! I am ****** Armpriester and this complaint is not sent in error. I authorize the submission of this complaint by BBB on my behalf and I am requesting assistance from BBB. There are fraudulent and unauthorized accounts need to be removed from my credit report and these erroneous information holds back my financial freedom as my new credit applications are getting denied because of it. Please resolve this issue immediately to prevent further damage. Please check the enclosed details on my original complaint and the attached file. Thanks!
Business Response
Date: 04/17/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

Our records indicate that we have previously conducted a reinvestigation regarding the disputed information with JPMCB CARD, ***********, CAPITAL ONE,FB&T/MERCURY, AMEX/****, and FNB OMAHA. The creditors verified the accuracy of the accounts. Results of the investigations were provided 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. *************************.
Initial Complaint
Date:04/08/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
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.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report and was shocked to find that I have been a victim of identity theft. I do not recognize these accounts please remove this from my credit report they are hurting my ability to obtain credit.********** RPHOXXXX ********** WG4FXXXX
Customer Answer
Date: 04/09/2025
Yes I authorized this complaint.
Business Response
Date: 04/15/2025
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.

For information about Experians dispute process, please visit *******************************************************************.

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 Answer
Date: 04/17/2025

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,

***** *****

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Experian is NOT a BBB Accredited Business.