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

13,849 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:04/05/2025
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.
need to remove these accounts : ? *************** - **** OF EDUCATION/NELN - 02/01/2016 - $1,760.00 ? ********* - ********************* - 07/01/2018 - $144,656.00 ? *************** - **** OF EDUCATION/NELN - 02/01/2017 - $2,182.00 ? *************** - **** OF EDUCATION/NELN - 02/01/2013 - $2,052.00 ? *************** - **** OF EDUCATION/NELN - 07/01/2016 - $1,759.00 ? *************** - **** OF EDUCATION/NELN - 10/01/2018 - $4,531.00 ? *************** - **** OF EDUCATION/NELN - 10/01/2018 - $6,415.00 ? *************** - **** OF EDUCATION/NELN - 09/01/2017 - $6,655.00 ? *************** - **** OF EDUCATION/NELN - 10/01/2016 - $3,110.00 ? *************** - **** OF EDUCATION/NELN - 09/01/2019 - $472.00 ? *************** - **** OF EDUCATION/NELN - 06/01/2019 - $1,006.00 ? *************** - **** OF EDUCATION/NELN - 06/01/2019 - $1,044.00 ? *************** - **** OF EDUCATION/NELN - 03/01/2017 - $1,005.00 ? CBA00000000019933651 - SBNASELFLNDR - 07/01/2021 - $0.00 ? *************** - **** OF EDUCATION/NELN - 09/01/2017 - $4,527.00 ? *************** - **** OF EDUCATION/NELN - 02/01/2013 - $2,533.00 ? *************** - **** OF EDUCATION/NELN - 07/01/2016 - $753.00 ? *************** - **** OF EDUCATION/NELN - 10/01/2016 - $2,261.00 ? ************ - DISCOVER BANK - 07/01/2018 - $2,409.00 ? ************ - JPMCB CARD - 07/01/2018 - $0.00 ? ********* - SELF FINANCIAL/LEAD BA - 10/01/2020 - $0.00 ? **************** - WEBBANK/FINGERHUT - 12/01/2020 - $0.00 ? **************** - NORDSTROM/TD BANK *** - 08/01/2017 - $0.00 ? **************** - FIRST PREMIER BANK - 08/01/2018 - $0.00 ? **************** - FIRST PREMIER BANK - 12/01/2016 - $0.00 ? **************** - COMENITYBANK/WAYFAIR - 08/01/2018 - $0.00 1. DISCOVER FINANCIAL SER - 03/13/2025 2. WEBBANKONEMAINEQUIFA - 09/09/2023 3. SYNCBTJX **** 03/24/2025 4. SELF FINANCIALLEAD BA - 03/13/2025 5. SYNCBMC - 03/31/2025
Customer Answer
Date: 04/05/2025
I authorized you
Business Response
Date: 04/11/2025
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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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 am submitting this complaint because Experian continues to report a negative collection account (Account # ending in ***** associated with **************** / ***************** Services. Despite submitting a formal dispute and requesting a thorough reinvestigation under my rights afforded by the Fair Credit Reporting Act (FCRA), Experian has not removed this item or provided evidence of any meaningful reinvestigation.The same account was previously reported to all three credit bureaus. However, both ******* and ********** have since removed this account from my ********************** report. My Equifax report (attached) clearly shows the item is marked as "Consumer Disputes This Account **********************" and also indicates a collection balance of $540 linked to the original creditor, *********** Platinum. However, there is no documentation or verification provided to justify Experians continued reporting of this account.Under FCRA Section 611, a credit reporting agency must conduct a reasonable investigation when a consumer disputes an item. Simply verifying data electronically with the furnisher, without obtaining substantive documentation, does not meet the legal threshold of a reasonable reinvestigation. Furthermore, continuing to report a disputed item without proper verification can be considered willful noncompliance and can cause measurable consumer harm.This inaccurate reporting has affected my credit score and ability to qualify for credit products, and I am concerned that Experian is not upholding its obligation under federal law to ensure the maximum possible accuracy of the information they report. The fact that the other major bureaus have removed the same item suggests a lack of consistency and reliability in Experians handling of disputes.
Customer Answer
Date: 04/06/2025
To: BBB Serving the Pacific Southwest, Central & Inland **********
Re: Formal Complaint Authorization Experian Dispute

Dear BBB Dispute Resolution Team,

Thank you for your email. I hereby confirm that I authorized the submission of this complaint against Experian and formally request the BBBs assistance in resolving this matter. Below is a detailed summary of my concerns:

1. Complaint Authorization
? I expressly authorize this complaint and all prior/future correspondence submitted to the BBB regarding Experian.

? This is a formal request for BBBs assistance in holding Experian accountable for Fair Credit Reporting Act (FCRA) violations.

2. Summary of Issues with Experian
A. Inaccurate ***************************** One)

Experian incorrectly reported a charge-off from March 2023 to January 2025, despite multiple disputes (copies attached).

They failed to conduct a reasonable investigation under FCRA 1681i, even though:

The debt was invalid/unverified (or [provide reason, e.g., "paid," "not mine"]).

Other bureaus (Equifax, **********) do not report this.

B. New *************************************** Services)

During this dispute process, Experian added a new collection from Resurgent, dropping my score by 120 points.

This collection does not appear on other credit reports, suggesting Experian failed to verify its accuracy (another FCRA violation).
Experian continue to report this unverified alleged debt while in arbritration (Case ***************)

C. Harm Suffered

Denied a bank account due to *********************** errors (proof available upon request).

Emotional/financial distress from prolonged inaccuracies.

3. Requested Resolution
Immediate deletion of the *********** charge-off and Resurgent collection from my Experian report.

A formal explanation of how Experian verified these accounts.

Confirmation of corrections in writing.
Business Response
Date: 04/15/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

According to our records, the information is currently being disputed on the consumers current Experian credit report for the same reason. The **** provides up to ********************************************************************** which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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.
Please remove hard inquiries.I do not recognize where these came from.PARK PLACE ACURA via ************* ACURA 08/28/2023 CNU ONLINECASHNETUSA 04/19/2024 APPLE CARDGS BANK 01/07/2025, 10/03/2023, 09/13/2023 MIDLAND CREDIT MANAGEMENT 01/15/2025 WEBBANKKLARNA 01/05/2025, 09/04/2023 **************** 03/30/2024, 10/01/2023, 09/10/2023, 06/22/2023,06/18/2023 **************** S 12/31/2023, 12/30/2023 PENSKE *********** via 700CR 12/30/2023 SAFECO INS AUTO 11/10/2023 ALLY FINANCIAL 08/28/2023 GMFINANCIAL 08/28/2023 TRANSUNION CONSUMER INTE 03/01/2025 ******* BANK 03/03/2025 CREDITWISE CAPITAL1 TU-C 03/24/2025
Customer Answer
Date: 04/05/2025
Yes I authorized this complaint about odors in my credit report.
Business Response
Date: 04/14/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the disputed information does not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer 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,

Experian Consumer Affairs
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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.
Recently I looked at a copy of my credit report and noticed several inaccuracies on the account. This account is hunting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate: ******* Bank ****************
Customer Answer
Date: 04/05/2025
I didnt authorize a third party company to file a BBB complaint on my behalf, I filed the complaint.

I would like you to investigate this account for me to ensure accuracy.
Business Response
Date: 04/11/2025
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. *************************

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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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 a copy of my credit report I have been a victim of identity theft I do not recognize this account. Please remove from my credit report. This is hurting my ability to obtain credit.Verizon Wireless ******xxxxxxxx
Customer Answer
Date: 04/05/2025
Yes I authorized this complaint
Business Response
Date: 04/16/2025

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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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.
S M C/******* JEWELERS: This account was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance atter it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also,please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.
Customer Answer
Date: 04/07/2025
I ******** **** authorized the submission of this complaint and that I am requesting assistance from BBB.
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 *******************************************************************.

A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed.

The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off.

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
Date:04/04/2025
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 a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Customer Answer
Date: 04/05/2025
Yes, I authorized this complaint.
Business Response
Date: 04/15/2025
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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
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.
Please remove hard inquires. I do not recognize these hard inquires.JPMCB Card Aug 30, 2024 Xactus-Avantus March 13, 2025
Customer Answer
Date: 04/04/2025
I do not recognize these hard inquiries and is requesting they are deleted from my Experian credit report.
Business Response
Date: 04/14/2025
Our office recently received your correspondence regarding the above mentioned consumers personal credit profile.

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.

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,

********* *********
Experian Consumer Affairs
Initial Complaint
Date:04/04/2025
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 a copy of my credit report and was shocked to find I had been a victim of identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit. ************ CREDIT 704032XXXXXXXXXXX
Customer Answer
Date: 04/04/2025
Yes I did send this complain to experian about an account I had on my ********************** report
Business Response
Date: 04/16/2025
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
Senior Regulatory Affairs Associate
Initial Complaint
Date:04/04/2025
Type:Service or Repair 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 unable to log in my account with a password I have written down.When I do a password recovery Experian's automated verification send me a verification pin that I never received. No person ever comes on line. I have written them to update my profile so I can receive the verification code but Experian has not acted on it. They keep putting me on the automated system which is not able to send me a verification code.I fear that the verification code is sent to another phone that may misuse my experian profile.All attempts by phone and mail have failed. They do not have an email to fix profile issues for credit files.I need to apply for a loan but am not able to until I can unfreeze my file. I have tried doing this by overnight mail service. It is also important for me to login to see my profile is not compromised.I have been struggling with this for over a week now. Please help.

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Experian is NOT a BBB Accredited Business.