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Business Profile

Credit Reporting Agencies

Experian

This business is NOT BBB Accredited.

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Complaints

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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      My name is ************************************. I am writing you today that I am sending these dispute letters to you for solving my existing issues in the credit reports. Here no other person or company is involved in sending my letters to you. I am personally sending these letters. I became a victim of Identity Theft on (JULY, 2018) and after that these accounts added to my credit report which were never opened by me. My personal information may had been stolen through any online platform. I have no idea who was behind this crime. Thats why I never filed any police report. But now it has been a serious situation for me. Thats why I want to remove these account ASAP. As required by section FCRA 605B (15 U.S.C. 1681c-2) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1.SELFINC/LEAD Account #: ********* Date Opened: 06/01/2020 Balance: $111.00 INQUIRIES I WANT TO REMOVE:2.NOWCOM/************ AU 03/01/20233.NOWCOM/WESTLAKE FINANC 02/28/20234.UNITED AUTO CREDIT CO 02/28/20235.CREDIT ACCEPTANCE 02/28/20236.DT CREDIT 08/29/20227.NOWCOM/************ AU 07/08/20228.UNITED AUTO CREDIT CO 07/08/20229.CREDIT ACCEPTANCE 07/08/202210.DT CREDIT 04/13/2022The name of the documents I am attaching here for your better judgment:1.FTC report 2.FCRA 605B, 3.My ID and Utility **********

      Business Response

      Date: 11/11/2023

      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 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,

      ***********************
      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Experian report a fraudulent account under my name, this account is not mine its an Identity theft, I already ask them a lot of times to remove it and they didn't, please ask them to get it removed or blacked immediately!, I authorize the BBB to contact Experian on my behalf.JPMCB CARD 414720XXXXXXXXXX

      Business Response

      Date: 11/11/2023

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

      Our records indicate that the ***** Card was blocked from **************** Experian credit report on July 8, 2022, upon receipt of a valid copy of his identity theft report.  At that time, we notified ***** Card of our action.

      ***** Card has since certified that they had made a reasonable determination that *************** had received goods or services or that there had been a misrepresentation of facts by him in connection with the account. ***** Card indicated that the account was found to be legitimate and not the result of identity theft and requested that Experian reinsert the account and update **************** credit file. On August 16, 2022, the account was unblocked. Notification of this action was provided via US Mail to him at that time.

      If **************** has any additional supporting documentation regarding the disputed information, he may forward it to our office for review.

      If he disagrees with the results of the reinvestigation, it is his legal right,under the ***** to add a 100-word statement specifying the nature of his dispute. The statement will appear with the item as long as the item remains on the credit report.

      Any further concerns regarding the disputed accounts may need to be directed to ***** Card for additional assistance.

      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

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Resolved
      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 had my credit report pulled for mortgage approval and now I have roughly 20 calls per hour from every single mortgage and refinance company. I need the calls to stop immediately. Additionally, I want whatever compensation they have been paid to illegally sell my information paid directly to me.

      Business Response

      Date: 11/11/2023

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

      Experian does not make calls to consumers for solicitation of business. All national consumer credit reporting agencies provide names and addresses to companies that send offers of credit or insurance for which the consumer *** qualify.

      If a consumer wishes to have their name removed from the prescreened lists of the national consumer credit reporting agencies, they *** call 1 888 5OPTOUT ***************). Consumers who have previously exercised their right to opt-out *** have their names re-added to prescreen lists upon request by calling 1 888 5OPTOUT ***************) and selecting the option for opting in.

      Additionally,some marketers and individual reference services share names and addresses with companies that send catalogs or other mailings that *** interest the consumer or help others locate them.

      If they would like to remove their name from future lists, they *** send their full name and address to:

      Direct *********************                                          Experian
      Mail Preference Service                                                 ***************************************************
      PO Box 643, ******, ** *****                                     Attn:Consumer Services Department

      To remove their telephone number from solicitation lists, they *** visit www.donotcall.gov or call **************. To limit unsolicited e-mail to their e-mail address, they *** visit www.dmachoice.org.

      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

      Customer Answer

      Date: 11/14/2023

      I do not accept this answer.  You are supposed to help keep my identity secure and I have gotten over 150 harassing phone calls in the past 3 business days, including several I have explicitly said to remove my name from their list.  I should not have to go out of my way to register for a do not call list.  You should not be selling my data in the first place.

      Business Response

      Date: 11/15/2023

      Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint.

      We store identification information as it is sent to us by consumers credit grantors or from information contained in public records. If someone is using Mr.********** personal identifying information, we do sincerely apologize;however, we are unable to control the misuse of a consumers identifying information.
      We have removed the consumers name from future mailing lists, and we will notify ********************* and Innovis of the request. If the consumer would like to remove their name from additional marketing lists and individual reference services lists,they can contact: ***************************** ************************ PO Box 643, ******, ** *****; Experian, 949 ************, *******, ** *****, Attn: Consumer Services *********** ***************************** ***************************** PO Box ****, ******, ** *****.
      Thank you for allowing me to assist you. 

      Sincerely,

      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

      Customer Answer

      Date: 11/15/2023


      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:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      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 ****** St *******, and ** submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.Please review the attached letter. Thank you for your assistance.

      Business Response

      Date: 11/11/2023

      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 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,

      ***********************
      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      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 have reached out to 3 Credit Bureaus to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. Regardless of all actions done on my end, there was no action from the 3 Credit Bureaus. Thus, I am reaching out to seek assistance to have confirm that I have no account with them and that the 3 Credit Bureaus can simply remove it from my credit report.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****.JPMCB CARD - Account Number - ***************** - 5/1/2019 ********************** - Account Number - ************** - **/1/******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C ****c.(a)(5) Section States: on consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.I have enclosed my Ids as supporting documents to confirm my identity

      Business Response

      Date: 11/11/2023

      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 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,

      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Resolved
      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 reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my ********************** report ACCOUNT NAME: standard bank vehicle and assets *************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

      Business Response

      Date: 11/11/2023

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

      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.

      Our database is a unique system in which full identification must be input in order to retrieve a credit profile on a particular individual.  To ensure a complete credit profile, please provide the consumers full name, including middle name and generation code (******** I, II, III, etc.), spouses name, current address (with proof of address), previous addresses for the past two years, Social Security number,and date of birth.  Additionally, please provide proof of the consumers Social Security number.

      If there are changes to the identification information that you provided, please forward it directly to my attention.

      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.

      Sincerely,

      ******** ******
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

      Customer Answer

      Date: 11/14/2023


      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,

      Mandlenkosi ***********************************

       

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      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 have reached out to 3 Credit Bureaus to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. Regardless of all actions done on my end, there was no action from the 3 Credit Bureaus. Thus, I am reaching out to seek assistance to have confirm that I have no account with them and that the 3 Credit Bureaus can simply remove it from my credit report.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****.******************* - Account Number - *********************** - **/5/******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C ****c.(a)(5) Section States: on consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.I have enclosed my Ids as supporting documents to confirm my identity

      Business Response

      Date: 11/11/2023

      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 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,

      ***********************
      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

    • Initial Complaint

      Date:11/10/2023

      Type:Product Issues
      Status:
      Answered
      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.
      Navy Federal ************** Upstart L1648107 Lending Point I LAI-******** Speedy Cash ******** World Accept ***** These are acct number.

      Business Response

      Date: 11/10/2023

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

      We are currently reinvestigating the accounts with 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.  Please contact our office if you have any questions.

      Sincerely,

      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

    • Initial Complaint

      Date:11/10/2023

      Type:Order Issues
      Status:
      Answered
      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 found on my ********************** report inquiries that I never made only made my home Morgage and *********** max ********************** card Apple Card and **** any other inquired I was not authorize it please remove **

      Business Response

      Date: 11/10/2023

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

      By federal law, your personal credit report must list all organizations that have requested your clients credit history.  In accordance with the Fair Credit Reporting Act (FCRA), entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example,organizations that have granted your client credit or with whom your client has applied for credit, or entities collecting on transactions that your client initiated or on judgments rendered against your client, are permitted to make inquiries on your clients credit report. Requests for your clients credit history remain on the personal credit report for at least two years.

      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

      Date:11/09/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 have asked this company to delete my personal information from their website multiple times. Still they have access to my credit information without my permission. I would like it removed immediately. I do not give them permission to access anything connected to my name.

      Business Response

      Date: 11/10/2023

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

      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.

      Thank you for allowing me to assist you. 

      Sincerely,

      ***********************
      ***********************
      Senior Regulatory Affairs Associate
      Experian Consumer Affairs

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