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Kenneth of Hampton VA (05/08/08)
My credit report in April 2008 contained inaccurate negative information. I disputed the items, one of them was a judgment and I have a copy from the court proving it does not contain my name, address or ssn. I called Experian and the woman was very rude. I asked her for the source of the information and she said the item was physically verified at the Hampton Court Clerks office.
This is a lie, the court clerk stated Experian did not inquire and they never physically send someone to check the information even though they are required. She then asked me What is your problem. I stated the item did not belong to me and they had lied about verifying the information because I had a certified copy from the court showing the judgment did not belong to me. I also told her the court clerk said that no one, specifically Experian, had made an inquiry about the disputed judgment. The Experian agent then made another comment such as so what. When I said excuse me, she reiterated something to the effect of so what's the problem? I again restated that this item did not pertain to me and she made another rude remark. She also lied and said the court was the provider of the information.
I told her FCRA rules require Experian to provide me with the method of investigation, the source of the information and all other information on disputed items. She said that they would send it to me. When I asked her to hold on that I was looking other items up, she said is that all. I told her I needed that information and other information from Experian and she rudely said I told you we would send it, it is already in the mail.
Experian reports the reporting source of this public information Hampton District Court. The court clerk states that Hampton Courts do not and have never reported information to any credit agency. Experian has been placing my son's information on my credit file for the past nine years. When I get it removed, they reinsert at a later time in violation of FCRA rules in that they must notify me.
In 2004, when I purchased my house, they had a collection from Sentara that I disputed. They claimed Sentara verified the information and it was correct and told me to contact Sentara Medical. When I contacted Sentara, they stated they never reported the item on me and that the address and date of birth did not match mine. To get around this, Experian added the address to my report to justify the item belonging to me. Additionally, I had and always had insurance and did not utilize Sentara Medical. My medical provider was Riverside Medical. I had a phone number and contact that Sentara Medical provided but Experian refused to cooperate. Sentara was kind enough to have their attorney generate a letter and fax a copy to the mortgage company, Experian, and myself. Experian removed the item once Sentara's attorney got involved and removed the address. This was in 2004 and I could not get a contact by phone so the mortgage lending agent gave me the secret number to Experian, but I was not to disclose the source because Experian would have her fired.
Experian was very suprised I had this number and was more concerned about where I got the number than correcting the error about the Sentara collection. However, two years later they added the address back into my file. I disputed this address in April of 2008 and they removed it. However, they violated FCRA rules by reinserting the disputed item without notifying me.
They also had all of my ex-wife's addresses that I had removed back in 2000 from my Experian record. On average, Experian adds 4 to 6 addresses to my credit file every year or two. I have lived at only two addresses in the past 10 years. I have one address on my report now that I disputed. My son resides at that address and I reside at the home I purchased in 2004. My son is 29 and does not live with me. They refuse to remove this address because, again, they claim they physically verified the information.
Higher insurance costs for approx 7 years -- I estimate over $2000. My insurance score was so low that I was considered a risk even though I have never had a ticket or accident in 33 years of driving. There were excessive addresses (indicating I was always on the run) and excessive inquires against my credit file.
A State Farm regional manager got involved because ChoicePoint stated that they were not required to provide me with any information and were not covered under the FCRA. ChoicePoint even told me go ahead and sue us and we will make sure you never get insurance. All this emotional distress was the results of Experian's negligence. Experian was the only agency that had this false reporting on my file so they had to have been the source. My credit report has been 100% accurate with both TransUnion and Equifax.
My Chase Mastercard rate was raised from 7 percent fixed rate to over 23 percent due to errors in my file in 2006. I had to take out a second mortgage loan to pay this card off. Despite paying the card off, I was charged two months interest because of the way they calculate interest. This was all due to negative information on my credit file.
Higher loan rates. I have had several loans over the past 8 years and, although the creditors will not specify the reason, I am never given choice rates even though my FICO score is between 710 and 740. Creditors only have to provide information if they deny you credit.
Jo of Glen Burnie MD (05/06/08)
Was online looking free credit report and start filling out information when it said for 30 days free trail. I stopped filling out the information. I went back to erase the information somehow I did do it. It still went thru I saw information on my bank account that they deducted the fee out I called they gave me cancellation number and they gave me this bogus number and called back them back and they told me that they do not have phone number that I have to write to them. I asked them to give me # that they are cancelling
I've been waiting for over 1 hour no number. They said they would refund the account it would take 7 to14 days. I am still waiting for the information. The funning thing is that I never even used it. This would not help me any way since I filed for Bankrucpy couple of years ago, it not that I have great credit in reality I have a lousy credit.
I feel that when some did not fill out everything and did submit the information that they should be charged on the debit credit card
Terry of Aurora CO (05/02/08)
I was able to cancel Experian's services after finding out they had charged my credit card $12 for each of the last 3 months for a FREE credit report that I requested a month earlier. I learned that you have to cancel their service within 30 days to avoid charges. My credit card company has recieved numerous complaints about this FREE credit report service. My advice is to beware of free credit reports.
$36 of charges for unwanted services
D. of Virginia Beach VA (04/30/08)
After receiving a call from Experian verifying information on my company I searched online for information on them. I was dismayed when I found the countless complaints and the illegal and unethical business they do. Is there any way that I can get my name and my company off there list? Why do companies like this exist, allowing this to continue is perposterous!! I have great credit and allowing morons like this to destroy it is just wrong. This company needs to be reviewed and shut down. THIS IS ONE OF EXPERIANS ONLINE webpages (this was copied and pasted from THEIR webpage)
Experian is a global information services company, dedicated to helping organisations and consumers make commercial and financial decisions with greater... I do not want someone who can't spell organization reporting my personal and financial information to other legitimate companies and financial institutions! Please tell me how to get my information out of their system before something like this happens to me!
Kemi of Seattle WA (04/30/08)
website address- www.experian.com/disputes Neither number provided on website and or 'credit report' routes to a 'live' person-it is a continual loop/then system hangs up
Since these 'credit agencies' are given so much power over our lives-we should be given access to speak w/a 'live' rep inregards to information that is incorrect on our credit report. I've disputed-via-'online-about incorrect nfo on my credit report-Later I received 14 pages of paperwork(which by the way has several of my family member's full name/address and ss #s)document on my report. The information I disputed is labeled as,'updated'-and the item wasn't removed from my credit-nor indication of futher action to be taken by, 'Experian'-- This system is defintley 'flawed' and something needs to be done immediatley
Frank of Staffordsville VA (04/25/08)
There is no option to press for a human. You must listen to and talk with a computer that is stupid. The web page is just as arrogant, jumping you thru hoops only to charge you $10.50 for the free credit report. In the verification setion they obviously have an old address of my son's linked to my report. Incompetent and arrogant.
My credit report I am sure is trash, and I can't even see it to complain about it. Hey, there are no humans to complain to, so that dosent count. Horrible company, should be regulated and forced to do business.
Anne of Oakland CA (04/15/08)
Experian has a serious internal (software or clerical) problem that caused my Experian consumers credit report to be mixed with another persons report and inaccessible to me, the consumer, in direct violation of FCRA law. I ended up hired a third party, Southwest Credit Service, to help me clear up the problem.
Experian Group failed to meet the following 6 obligations FCRA law currently guarantees: 1. October, 2007, I was unable to access my Experian credit report using my social security number. 2. I was not able to dispute information in my Experian credit report using my social security number. 3. I was requested by Experian personnel to access my account using someone else's social security number, a Federal crime! 4. Experian was the only CRA which reported inaccurate information, and not because they were supplied with inaccurate information. I verified this with Chase Manhattan, USAA Savings Bank, Ent Federal Credit Union, Kohls, Bank of America, Discover, GEMB Dillards, GEMB JCP, GEMB Mervins, MCYDSNB. 5. Not only was I supplied with, but, in the end, (after exhausting every Experian phone and internet channel I could access,) I could only take this other person's social security number, personal and credit information off my report by hiring a third party.
I contacted senior managment, who forwarded my case to Jason. Experian's position is that I always had access to my credit report. They don't believe me. I will file a complaint with the FTC, but is there anything else I can do?
I have spent money and lots of time fighting this case, about $4,000. thus far.
Larry of Winston Salem NC (03/27/08)
Checked credit with freecreditreport.com to get free credit report and noticed a week later a charge of $11.95 on credit card and call the company and told them that they used deceptive practices. They canceled my membership and I called BOA to dispute charges and they took it off card. I now do not trust Experian and I wished someone would file a lawsuit against them and get some of that bad money back.
Steven of Marlboro NJ (03/14/08)
I supposedly received a free year of experians' Triple Advantage Credit program because someone at my Ins CO lost a laptop with all my personal info on it. I promptly took advantage and signed up, even paying extra to get scores from all 3 bureaus. Since the date I signed up' I am unable to access this sit, although I have calleds numerous times and had passwords and user name changed done from their end, I am never able to sign on. Worse is that they charged me $29.95 from a credit card thet have on record, and promised to refund this. They refunded only $10 and I am , as always, unable to login to this service despite all assuramces, I still cannot access my 1 year account and They illegally charged my credit card and then lied about reunding the whole charge
My Bank Account has been frozen due to the number of attempts to open new accounts in my name, a family court order to pay child support that was enforced prematurely and illegally with Wachovia bank with no notice to me of any adverse actions or public judgements by experian as promised in their terms and agreement
Douglas of Williamsville NY (03/13/08)
I ran into financial problems when I became disabled. I gave my daughter a credit card if she had any problems. She was not a co-signer and never used it. I am responsible for this debt, but they put the amount on her credit report.
My daughter can't get credit because of the way HSBC handled the account and Experian is useless in communications. My advice is not use a lawyer but contact your State Attorney General. They truly get results. It only takes one e-mail or phone call.
Darrek of Watauga TX (03/06/08)
I disputed a item online with my credit report. Experian did not remove it so I mailed proof that it should be removed. They still did not remove it so I told them that I would sue if they did not fix it. Then they blocked me from my report. They gave me the run around by giving me a few phone numbers to answering machines and recordings. They are rude and after I say one sentence they transfer me to a recording while I am still talking.
I am in the process of house hunting. No one can pull my credit report because they changed my SS# to block me and everyone who tries. I now have to live in a drug infested neighborhood because no one can check my credit.
Tracy of Hackensack NJ (03/05/08)
I pulled my credit report in 02/06 in preparation of buying a car. I found 5 derogatory accounts on my report. One was from a cable company I had never used, another medical acct that was paid prior to it going to collection, 2 credit card accts, and one unidentified acct. I disputed the claims online and received a notice that I could not dispute them because Experian had received sufficient information to confirm that the accounts were mine. I then sent certified letters to Experian requesting the method of verification they used to verify these accts were mine. I received a letter stating that they did not have to release that information to me. I have been battling this for 2 years. This company employs rude people who accuse honest people of trying to illegally fix their credit. I only want my credit report to be complete and accurate.
Now I am unable to secure car loan.
Michael of Key West FL (02/27/08)
Someone filed bankruptcy chapter 7 and it was put on my credit, causing my score to plummet 100pts. I am attempting to buy my first home and this has caused me to not qualify for the loan I was anticipating...in the end costing 15K plus!! Experian will not remove it for 30-45 days. This is unacceptable. They will not even tell me who provided them with this info. I have disputed it and also contacted the Bankruptcy Court in Lexington Ky, who is sending a certified letter stating it is not ME. I can't get a human on the phone to help me!
Costing me a chance at purchasing a home and or raising my rate to a % that I will pay the consequences for!
Jocelyn of San Jose CA (02/26/08)
In October, my husband and I each received a letter from Experian stating that someone had requested a change to our name, address, and/or social security number. Since then, I have sent four letters using Certified Mail asking three questions: 1) Who specifically requested the change, 2) What specifically they wanted changed, and because both my husband and I have security freezes but don't know the codes, 3) the security codes to access our credit information. Along with the letters I included copies of our passports, driver's licenses, mortgage statements, pay stubs, and even the copies of the forms we sent in 2005 to place the credit freeze.
Experian's responses have varied from sending us credit reports, telling us that they can't place a credit freeze because we already have one, and that we have not provided enough information to identify ourselves. I am getting ready to send my fifth letter. On it I will state that I have filed a complaint with ConsumerAffairs.com. My last letter said that I was sending a copy to the Better Business Bureau, but they still didn't answer the questions I asked.
I don't know if there have been any consequences. My credit report appears to be fine, but until I know who requested what changes, I won't know if there is a problem.
William of North Little Rock AR (02/25/08)
Citibank (South Dakota) had a judgment against me since 2000. It was put on in error. I went to the courthouse, and it was lifted on Oct 22, 2002. I have a copy of the courthouse records which states it was put on in error. Court records are dated Dec 27, 2002 showing it was dismissed.
Experian refuses to remove it from my credit,causing denial of credit.
Licia of Lansing MI (02/08/08)
I sent a letter to Experian on 1/23/08 with documentation disputing negative items inaccurately being reported on my credit report. In addition I sent an email letter with attached documentation disputing the inaccurate items to the president, Kerry Williams. I received a letter dated 1/31/08 stating they were not going to investigate the inaccurate items or use the documentation I provided. In addition I received an updated credit report that listed the date they last investigated the inaccurate items as being May 2007 despite my request 1/23/08.
Repeated denial of credit including a student loan. I am a full time student.
Bob of Bullhead City AZ (02/06/08)
For three years Experian has refused to provide my free credit report through annualcreditreport.com. They send a letter claiming they need more info and demanding copies of my driver's license, utility bills, etc. I refuse to provide this and have filed complaints with the FTC. I NEVER gave them permission to keep information on me, and the info they have is the same as the other two credit bureaus. Experian is a lousy company!
D. of San Diego CA (02/05/08)
I placed a security freeze through another credit bureau other than Experian. I had the freeze lifted for the day, so a prospective landlord can view my credit report. However, unknown to me Experian also had a security freeze on my credit report which I learned via the prospective landlord who tried with no avail to get my credit report. When I tried to get this resolved with Experian, it took me about forty-five minutes to be able to talk with someone, and yet I couldn't get a straight answer. One person said that Experian shouldn't have a security freeze on me since I didn't go through them for this service, and someone else said that Experian would have a security freeze on my report even if I had gone through another credit bureau for this service. Everyone I spoke with at Experian said that they couldn't be of help, for they were just a department of Experian and not the actual Experian Credit Bureau! Therefore, any of my questions they were unable to answer!
They all told me to call the same number which is just an automated voice messaging system; it was not an option to speak with anyone. This was of no help, for I prompted to type in a pin number; and yet I was never provided with a pin number since I didn't go through them for the security freeze. I was then directed to write them to request a pin number and was not told how long of a process it would be! Therefore, I was unable to secure the apartment!
After two and a half months of searching for an apartment I finally found one that I wanted to apply for, and yet I was unable to secure it due to the fact that I couldn't get Experian to lift the security freeze.
Niusha of Seattle WA (01/23/08)
I have sent letters to dispute fraud on my account due to a stolen wallet. I am asked for additional documentation, when I provide, they still send me the same letter again.
They seem to just want to ignore or throw up road blocks.
I am not able to get credit issued. This is costing me thousands of dollars.
Andrea of Nashville TN (01/15/08)
I cannot understand why things are so difficult regarding changes/omissions/deletions on my Experian credit report. This has been an ongoing battle for more then 2 years, and I'm sick of fighting them. TransUnion and Equifax were easy to make the necessary changes on my credit report, but it has been a nightmare with Experian. I've never spoken to a rep, and I'm still showing a PO Box and an unknown address on that report that they STILL HAVE NOT REMOVED. What frightens me is that I've recently had a name change, and I'm sure Experian has either not done their job or just doesn't care about consumers.
Dealing with this worthless company has consumed too much time, loss of sleep, wasted cell phone/home phone minutes and mental stress.
Kevin of W Hollywood CA (12/13/07)
Experian allowed me to get my credit report for 4 years straight. My info has NOT CHANGED, yet now they deny it, saying my info is not correct. What makes it worse is that I have a CA freeze on my account and they will NOT release it because they say I am not who I am - again NO INFO on me has changed. You CANNOT speak to a live person to resolve it, and when you mail in, they say it's not correct. WHAT TO DO? There is no recourse for an innocent person who Experian has made a mistake about (I'm assuming).
I was trying to move and my credit could not be unfrozen as I requested so I missed out on housing that I wanted.
Nicole of Sacramento CA (12/09/07)
Approximately 7 years ago, I was a victim of identity theft. It was a horrific and time consuming process, however the individual was prosecuted and two of the three reporting agencies have worked with me to clear everything up. Experian has been horrible. Although their website says that I can speak with someone directly, Dorothy at ext 7413, said that there is no one there to speak with and that I can only write a letter. However, I already tried to dispute this online and it will not accept the dispute. In fact the creditor acknowledges the fraud and has asked them to remove the information. I am fed up!
Tyler of Kalama WA (12/06/07)
I was denied a loan because of credit so I got the free copies from all 3 credit reporting agencies. There was a much reported that was not mine. I had no problems dealing with Equifax or Transunion; however, Experian refused my dispute, and there is no way to contact them and talk to a real person unless you pay their fees for their credit watch. I even had my attorney send them letters, and there are still two incorrect negatives. One is for a credit card processing machine. (I am 21 years old and have never had a credit card processing machine.) The other one has no name of creditor or legitimate contact information; I had my attorney send a certified letter to it, to no avail.
I have sent 9 letters through my attorney to Experian, trying to get info, and they have offered no response. They are required to respond within 30 days. So I filed a complaint with the Fair Credit Reporting Agency; hopefully they will help me. A lot of banks don't use Experian because they have realized that it is a fraudulent company. I believe that they make stuff up and put it on there to hurt your credit so that you have to pay their fees to join, and then they will get rid of them. These people are nothing more than con artists.
As a result of their inaccurate bad report, I have had high interest rates and denials for loans.
Marie of Somerville MA (11/29/07)
I was helping make payments on another person's loan, and I discovered, through Experian personnel, that Landsafe was reporting the address of that property with a Fraud Alert to Experian, using my SS. I followed up with several letters to Experian which were totally ignored. Immediately I was bombarded with Fraud pamphlets and advice from every agency; yet no one would address the fact that Experian made an error, and I was trying to correct it. NO responses to my letters, only more preprinted information. Now Experian wants me to send my Drivers Lic and Picture ID.
I cannot get a copy of my credit report nor can I speak to anyone at the Credit Bureau. On input of my personal information I am instructed by the recording to send a the picture ID etc. I had a 730 score; now it is 637. Experian is selling our personal information which was supposed to be totally protected; now they are asking for more info possibly to boost their sales of other lists. I know that there is an error of $11,000 which does not belong to me, as I was informed by my refinance agent. It has been more than a year since I have been trying to get Experian to correct their mistake. I am so frustrated and feel so helpless. I am so glad that I found your forum there must be something that we as consumers can do. We are totally powerless while Experian dictates and control our lives by withholding or denying or refusing to correct their errors on our credit reports. This is Power gone awry.
Steven of Sacramento CA (11/28/07)
For the first time today, I noticed a recurring $12.95 charge on my bank account under contractor/business services. I had no idea who is was: it was listed as Triple Advantage, with the phone number, 877-481-6825, so I called. The first question asked of me was my social security number. I didn't feel comfortable giving it to some company I had no idea about, but then I find that it's a group that does credit report checks--something I used once with no intention of using again (it was supposedly a free report). Apparently I gave out my social security number and even my mother's maiden name for security purposes, and, even my bank number. I can't recall doing that at all. So, I'm wondering if this has to do with a credit report that Wells Fargo ran for me as I sought a loan (that I decided against taking). So, I find out I've been charged $12.95 a month since Sept. 2006, or, over $194!
I just didn't check my account closely. The worker, Danielle, told me I'm not getting a refund and that it was my fault because I should have noticed a statement on the website (which I don't recall using at all) that if I fail to contact the company after three months I will automatically become a member. It doesn't matter, Danielle said, that I didn't know about the service or even use it because they've supposedly have been monitoring my credit for me. This is outrageous and needs to be stopped.
Danielle told me if I want to resolve this, I need to get a police report for fraudulent charges and contact them again with the police report number. That's what I'll do. However, reading through others' complaints, I'm convinced Experian will refuse to answer my calls. There must be something that can be done. Any lawyers out there who want to make a killing on a class action suit? Anybody with any ideas on how to get redress?
Barbara of Greenville RI (11/28/07)
When I canceled my advantage program with Experian through Citi card, I was told I could have my present credit score with the comment that it had changed. I could not access my score as the web site said there was no record. All I want is my present credit score.
There is no closure, only a feeling of abuse.
Daniel of Ogeam MN (11/26/07)
I have been disputing an incorrect public records item on my credit report with Experian for over a year now. We won a judgment in a counterclaim against the plaintiff; the plaintiff's claim against me was dismissed. Experian shows there was a claim against me instead of a judgment entered in my favor. I sent them a letter including a copy of the Order that clearly shows the lawsuit against me was dismissed and a judgment was entered in my favor against the Plaintiff. Experian is the only credit reporting agency that won't correct it. I need some kind of process that stops them from ignoring dispute.
We need to get a new home loan and want the best interest rate possible. I have perfect credit with no late payments, and this one negative item has affected my credit score.
Lauren of Glendora CA (11/25/07)
After receiving a copy of my credit report (I had paid online for the 3 in 1 report), I noticed a discrepency listed by all 3 companies about a collection account for $9.00. I wrote to both Equifax and Transunion and they responded right away and the situation was resolved. I tried to find a physical mailing address that I could use for Experian, and could not find one, so I purchased their credit report (now I am paying for this twice) and still after 2 months, the situation has not been resolved. My credit score is being affected by this situation and I, for one, am now going to write to my congressman and senator to see what can be done. How this company continues to be allowed to stay in business is a mystery to me! I am not going to allow this company to continue to ding me for an account that was not even mine, without a fight! After reading what everyone else here has stated, it is obvious that I am not alone. I would urge you all to contact your politicians as this seems to be the only thing that we can do at this point. We are preached to over and over again about how important it is for us to keep a clean credit report, and then one company who just happens to be in charge of allowing us to do this, makes mistakes and we have no recourse. This needs to be stopped!
Michelle of Knightdale NC (11/21/07)
I have requested a free annual credit from all 3 agencies online . As always, Experian did not provided me with a report. I was told to request it by mail. What is the point? Online is the easy access.
I have not been able to get the credit report I deserve.
Kristen of Burbank CA (11/21/07)
Experian is a nightmare. There are two items on my credit report from them that DON'T EXIST. I've talked to the credit card companies, and apparently there is no way for them to contact Experian. Experian has to contact them to have the delinquincies (which don't actually exist) removed. There are numbers to use to get a human: 800-787-6864 or 866-841-6376. HOWEVER, neither of these numbers can give you any information on your credit report or how to dispute anything. And you can't dispute the report without running a free report through them (running the free report will cost you $24.95 and then enroll you automatically in some credit protection thing--free only the first 30 days, so cancel it or you'll be out some money!). I've never dealt with such a difficult run around comppany.
I may not be able to raise my score the 5 points I need because this company is reporting delinquencies that don't exist. The credit card COMPANIES are taking care of things; but the CREDIT BUREAU isn't available, and since the bureau is what matters to the home loan people, I'm ruined.
Robert of Hallendale Beach, FL (11/02/07)
I received a letter from Discover Card saying that my application had been turned down. I was given a email address to Experian toaddress the problem. I logged on to the home page and followed the process but when I tried to press the icon button nothing happened.
I have spent several hours trying to contact Experian, to speak to a live person. They create a problem and then leave me hanging out on a limb. I can not even find out what the cause of my problem is.
I have spend several million dollars in all sorts of transactions over the past 60 years with never a credit problem. I do believe that I should be able to correct the problem whatever it is.
Milan of Racine WI (10/28/07)
I went to the Experian website to receive a FREE credit report. Unknowingly, I was charged for services I was unaware of. These charges were not authorized by me. I want to receive a refund for the services I did not authorize and did not use.
Helga of Clearwater FL (09/29/07)
Experian snookered me into a $29.95 fee for a credit report that should have been free. Police told me to get a free credit report
which I order ed online.No- where did it show a fee amount up front. Before I knew it, I was charged $29.95. The woman said I had ordered a Three in One. After my call, I found several sites offering FREE Three in Ones.
I am on Social Security. This un-expected fee came out of my food budget.
Anna of Cincinnati OH (09/20/07)
I received a letter dated June 12, 2007 from World Financial Network National Bank (WFNNB)which issues New York & Company credit card accounts. WFNNB provided the name and address of the consumer reporting agency, EXPERIAN. So I went to the web site and contacted Experian to obtain my free credit report as the letter stated. I even called Experian to get my password to access the free credit report.
No one mentioned anything about being billed 12.95 per month. I checked my bank statement on July 20,2007 and 12.95 was debited from my account. I did not realize my account was debited on 8/20/07 and 9/20/07. I figured the 7/20/07 charge was for the credit report and was willing to eat the charge rather than hassle over the phone. Instead I now realize this company gives 30 days to cancel something that I was not even aware that I had.
Milton of Las Vegas NV (08/13/07)
Experian reported my credit score as 769, which is consistent with Transunion of 773 and Equifax of 769, but told my lender it was 716, in the same day. They listed four items, i.e., credit history too short, amount owed on accounts is too high, too many inquiries in last 12 months, credit limits on accounts too high. They said that these were Pluses to me showing strength. Firstly, I have only one credit card and only one rev account. Both opened two and three years ago. My Disposable income is over 51%; My income is about $9,900.00, but my debt is only $3,600.00! Most inquiries were done by Experian!
Martha of Alma AR (07/25/07)
I am a worker for Experian Consumer Direct, all I have to say is that if people would just have the common sense not to put their credit card number in to our system if they do not want a charge onto their accounts! I can not stress that enough. But you know what? I am nice enough to our customers who call not to say anything like that, it just irritates me that people make us out to look so bad when we are not. Ever heard of read all of the fine print before you agree to something? We try our hardest to help our customers, I am nice and polite to everyone even when they cuss me. I wish people just would realize that they are talking to REAL people with REAL feelings. I broke down and cried one day when I had an elderly man call and cuss me for something Experian the Bureau did. (we are only a branch of the bureau that monitors online memberships). I did not hold it against him, but when you are not the one who made a mistake on his credit report and he tells you that you should burn in hell when you really are a christian, that is kind of painful. Also the reason why people were canceling and it showing back up on their credit cards is because experian had the call center in the phillipines at one point. They were paid on how many kept and they would lie about saving a customer when they really said they were cancelled. Experian has recently moved the call center to the US so that will not happen any longer, FOR THE CUSTOMER'S BENEFIT, because trust me, they paid a lot of money to build a call center here and to pay the employees more just for you!
Samuel of Ossipee NH (05/21/07)
Somehow I've been cleaned from the system and no longer exist. Perfect! I'm in the process of buying a home, or at least I was until the interest rate shot up like a NASA rocket because I only have scores from Transunion and Equifax. Thank you Experian for not doing your job to correct this matter.It's only been 6 weeks. I'll check back in six months,Give you time to get another cup of coffee.
Interest rates for buying a home are to much for my income.Banks are unwilling to give me a better rate with only two credit scores.
Kathy of Gilroy CA (05/05/07)
I thought I was receiving a one time free credit report. I was not aware that I was signed up for a monthly membership of $12.95. Charged to my credit card. This has been going on since Jan. 2007, normally I keep a watch on all my charges to my credit card, but how I over looked this one until now, I don't know.
Dorian of Westminster CO (05/03/07)
When I first noticed the $12.95 charge, it was nearly a year and a half after checking my credit score. That is 18 months X $12.95. I called customer support in early January of 2007 to cancel the account. I figured I must have missed the disclaimer that it will charge you without canceling. Although furious, I decided it was my mistake and to eat the charges. I cancelled the account and figured it would be over. I was wrong! Now it is May, and I've been charged every month since canceling my account.
William of Rockville MD (03/10/07)
I began disputing an incorrect record with Experian. They deleted the information, but a check of my credit report in March of 2007 showed that they again had the same incorrect information showing up in my credit report. I disputed the information online, and by regular mail, for the second time in 6 months, sending the same information that I had sent before. I received a generic response from them by regular mail stating that the supporting documentation that I had submitted could not be used and that they are contacting the source of the information to verify.
I have a reduced credit score as well as the negative public record, reported in error, which has caused several credit agencies and banks to increase my rates and deny me certain financial benefits.
Deborah of Douglasville GA (02/25/07)
IT STARTED ON THE DAY I WENT TO MY BANK TO APPLY FOR A LOAN. TRANS UNION AND EQUIFAX WERE CORRECT BUT EXPERIAN HAD NOT ONLY ONE INCORRECT ITEMS LISTED BUT TWENTY- THREE MORE LOANS, CAR LEASES AND CREDIT CARDS THAT WERE NOT MINE. THE ADDRESS AND BIRTHDATE WERE LISTED INCORRECTLY.
I SENT EXPERIAN NUMEROUS E-MAILS, TRIED TO CALL AND SPEAK TO A LIVE PERSON. THE PHONE NUMBERS ARE AUTOMATED SERVICE. FINALLY AFTER ONE MONTH OF E-MAILS SOMEONE WROTE ME BACK AND TOLD ME WITH MY SITUATION I WOULD HAVE TO SEND IT TO ANOTHER ADDRESS. LATER I GOT ANOTHER REPORT WHERE THEY DELETED THE TWENTY-THREE ITEMS BUT THAT'S ALL. SO NOW IT'S GOING ON ALMOST TWO MONTHS AND STILL IS NOT FIXED.
I HAD TO PAY MY LENDER TWO HUNDRED AND FIFTY DOLLARS FOR AN EXTENSION DUE TO THIS.
Minh-Lien of Encino CA (02/07/07)
I have paid off my home equity line with Chase on Feb. 2006 and it is still showing on Experian credit report. It’s caused an erroneous entry which left a negative rate on my credit report. Wells Fargo turned me down for a home equity loan for having that Chase line of credit.
Cynthia of Bainbridge Island WA (01/03/07)
My husband and I applied for a loan with Capital One for a home repair/improvement loan. Capital One called to inform us that there was a problem with my credit check. They said that they use all three major credit check companies when reviewing a possible loan and that my credit with two of the companies came back fine. However, when they attempted to get my credit check with Experian, they were told that I don't exist!
My husband, I and even one of my friends have tried all day to contact someone at Experian but all we can get is automated phone service of which none of them deal with this kind of complaint. We then went to their website and tried to dispute the problem but the website stated that I had to purchase my credit report first before I could dispute it. We attempted several times to do so, but each time was given an error message because to them, I DON'T EXIST!
I plan to speak to an attorney first thing tomorrow morning to find out what, if any rights I have.
Georgia of Lodi NJ (12/28/06)
Out of the three credit reports, Experian, by far is the WORST! I've read through the string on this website and am not surprised as to how many others have been affected by their inaccuracies. It took me over three months of letters, emails and calls to no avail. The workers at Experian read from script and do NOTHING to help one out. It's amazing how this agency is still in operation.
They've listed accounts that have been closed since 1998 and have inaccurate addresses on my credit report. My credit is as pristine as possible and would like to keep it that way, but cannot trust experian. What's even more upsetting is the fact that Bank of America actually trusts experian's word! This by no means is a gripe against BoA. I would love to see something done about their practices.
After daily calls to a black hole and numerous certified letters, matters still haven't changed on the report from Experian. My husband's report is equally as inaccurate. There are items on there that are human errors that one of the other persons in this topic has mentioned. The mental stress due to the constant work in trying to get these concerns resolved is equal to the economic damage. Time, thought and detail as well as back up history has been provided to what I feel to be a shred machine.
Steve of Las Vegas NV (12/04/06)
Personal information on my Experian credit report is incorrect. Unlike Transunion and Equifax, it is absolutely impossible to contact a human being at Experian to get it corrected or find out how to get it corrected. The online offering from the company to correct certain erroneous information does not work. Several of the phone numbers offered to consumers to contact the company are no longer in service or you can only talk to an automated system that doesn't address the problem. There is no way to exit the automated system and get a real person. The only other alternative is to send your request by mail and to do so the you must send a copy of your drivers license, copy of a recent utility bill, your social security number, mailing address,etc. Its ridiculous to put all this personal information in the mail. Further the company tells you by automated system that no mail will be acknowledged for security purposes. So not only is the company asking you to send incredibly sensitive info by mail but they won't tell you if its been received and there is no way to call them to find out if any action is being taken.
Michael of Gainesville GA (11/14/06)
Someone, somewhere please help us consumers against Experian. There is something terribly wrong with that company. They do not deserve to be making any money from consumer credit reports. Mabye something should be done that would encourage businesses to never use experian. Experian is showing addresses that I have not lived at, they refuse to listen to complaints. They have mailed to me written proof that they have deleted information and then re-added the information, this is a direct violation of the FCRA. They have told me that they have verified an account that shows on my credit report. The place is out-of-business, there's no way that they verified anything with them. Something evidently needs to be done to stop the experian monster.
Robert of Monument CO (11/02/06)
I've done everything suggested to get Experian to correct the false and damaging information on my credit report for 7 years. Other credit reporting agencies have changed the information... Experian refuses, even after receiving legal documentation, letters from several attorneys and business entities. There are various/numerous problems that need to be corrected and/or removed from my credit report. The highest level executives from the businesses involved have done everything they can to get Experian to comply with THEIR requests.
The most recent Experian report now holds even MORE incorrect information; incorrect addresses, business endeavors and even my social security number. I've done everything I can via internet, sent documents by certified mailed (twice) and filed a complaint with the Better Business Bureau. How can a company have so much power over an individual's life? Experian's website states it strives to make sure the data it presents is accurate, but that's false. Experian lacks good business practices and is bad for the economy.
Linda of Los Angeles CA (09/19/06)
Experian has been charging my checking account for over 2 years for a product they offer called Triple Alert. They advertise the following services: 1-Automatic, daily monitoring of your Experian®, TransUnion, and Equifax credit reports. 2-Email alerts of key changes to any of your 3 national credit reports. 3-$10,000 identity theft insurance provided by Virginia Surety Company, Inc. I have NEVER received any of these services, and I've never been able to log on to my account. I've called the phone number on the website for assistance, and they referred me to another phone number 866-841-6376. The person that I spoke to at the referred number informed me that Experian does not have a product and/or service called Triple Alert. I gave her the website site address, but she then hung up me. https://www.experiandirect.com/triplealert/default.aspx I beleive this website is nothing but a shell.
I ran my annual credit reports, and there wasnt anything factual on my reports. It also appears that I may be the victim of identity theft. Not only has Experian been ripping me off every month for false advertised services, I now have the difficult task of resolving problems on my credit report due to false security of the added protection I thought I was receiving,
Anne of Washington DC (09/01/06)
Experian is reporting an address where I have never resided as my current address..I have refuted the info several times, but Experian refuses to change it. I have lived continuously at my Washington DC address for more than 16 years. The disputed address is in a different state and more than 200 miles from where I reside. It is not a residential address.
Experian has placed an alert on my credit report because Experian states that the Norfolk, Va. address has been connected to someone else's past fraud reporting (it is a mail receiving facility). This has nothing to do with me.
Joe of Silver Spring MD (08/23/06)
My problem is the same as most others. It was not clear to me that I was signing up for a paid service. The problem is that this company makes every effort to conceal the fact that you are signing up for a paid service. The typical person usually reaches for their revolver when someone asks for their credit card number. But in this situation, the consumer gives the credit card number under the pretense that the number is needed for credit tracking purposes and not for payment. Freecreditreport has a responsibility to their consumer to make this much more evident than it already is.
Jon of Bethel Park PA (08/03/06)
Of 32 items listed on my credit report compiled by Experian, only 7 were mine. The remaining 25 items belonged to a man with a different first name, different middle name, different last name, different date of birth, and,(needless to say), different social security number. Apparently this man had previously rented the apartment in which I now live. Other than that purely accidental fact, I had no connection with the man whatsoever. Is it legal for a credit reporting agency such as Experian to enter obviously innacurate information into someone's file?
I was denied credit based upon innacurate information in Experian's credit report.
Christopher of Franklin MA (07/20/06)
I purchased a free online credit report from Experian and attempted to contact them to dispute a claim on the report. However, they only provide you with automated phone numbers that do not help and their website claims you can obtain a phone number if you order ANOTHER report. The website then failed repeatedly to process my request for another report which I don't even need.
This could result in further damaging my credit as I am unable to remove an inaccurate claim on my credit report.
M. of Devito MA (05/27/06)
My son and I each sent for our annual free credit report.at an address we formerly used for Experian. Our mail was returned return to sender, attempted-not known-unabl to forward I cannot find any mailing address for them.
My son was a fraud victim in the past and want to keep watch on his credit report at all 3 agencies. Maybe no damage, but how can we find out?
Scott of Irvine CA (05/23/06)
I've been trying to remove some fraudulent items and have run into the same brick wall as everyone else: Experian. Two items they list show an American Recovery Netw[ork] which appears to have gone out of business. I tried to contact Experian but they demand you purchase a report from them before you are even allowed to dispute the reports they're sending to everyone else. Nor can you speak with anyone on the phone. Nor do they have a contact email address. That's really got to be illegal.
As a result, I cannot get these items off of my credit report. I've been turned down for apartments, jobs, purchases -- all when I have letters from my bank confirming the fraud. At least I can see that many people have had the same experience with Experian.
Rebecca of Columbus OH (05/22/06)
This company shows that I am in default on a mortgage that was paid in full. They indicate more than 30 days overdue. The last payment WAS late due to the title company disbursing funds when I re-financed. I've sent emails and received no response.Experian shows my credit rating nearly 100 points lower than the Equifax or TransUnion, resulting in unfavorable impression with possible creditors.
David of Mount Olive IL (05/12/06)
This credit agency keeps adding my sons bad debts to my report. I was born in 1950 he in 1982. I just went thru this mess in nov. of last year when I purchased a home. It took a month to clean up my report so I could get my mortage. Hours of phone calls and letters. You would think that with 32 years of difference in age and totally different ssan mine starts with 233 his with 359 they would realize WE ARE NOT THE SAME PERSON. They still show all of his addresses on my report as of 5/10/06 although in nov. this was all to be corrected. The other two got it right why can't this one????? I can't take months correcting their errors every time I wish to make a major purchase.
Amanda of Wichita KS (05/03/06)
I'm almost convinced this company doesn't exist! After trying multiple times to obtain information online and through a bogus 800 number, I wrote a letter to the address provided on my credit report. The letter was returned to me as "address unknown." I too have items on my credit report that are false and this company is obviously not interested in helping people resolve credit matters. These items have prevented me from even getting a debit card from my bank, and I still cannot determine where to begin to contact the credit company through which these items are posted!
I have been denied credit and even debit cards from my own bank due to the items posted by Experian on my report. Due to my credit score, I was forced to accept a higher interest rate for a home loan - which I was almost denied. I have spent many hours trying to contact this company to get an explaination about what the items on my credit report are from, but to no avail.
Dan of Waycross GA (05/02/06)
We are victims of Hurricanes Charley AND Francis, and unlike the people of New Orleans, we didn't get new Cadillacs or Big Screen TV's or Gucci Handbags....Instead we royally got the shaft from FEMA, but this isn't the worst, these events profoundly affected our credit and we were afforded NO PROTECTION. I have worked HARD to clear up credit issues that now prevent us from owning a home or buying a car, or even having a bloody credit card, all to little avail.
I like so many other people have found the Beacon Scoring farce to be Prejudicial and highly Discriminatory. It is , as well, a complete MYSTERY to everyone including the credit reporting agencies, as to how it works...I have, by a large margin, more perfect credit than negative credit, even through the disasters, yet my Beacon score is lower than that of most HOMELESS PERSONS, and nobody can tell me WHY or even how to fix it.
I HAVE had some pleasant experience with Equifax, and they truly want to help, but EXPERIAN and TransUnion have done their level best to prevent you from speaking to a human being, discussing or disputing credit problems, and they have had ABSOLUTELY NO REGARD for victims of National Disasters. The Beacon Scoring system needs to be outlawed and some common sense laws passed to PROTECT the CONSUMER for a change.......It seems as if all current lawmaking benefits the merchant or credit reporting agency, and WE THE PEOPLE don't stand a fair chance.
Sean of Hoffman Estates IL (05/01/06)
How is it possible that an organization that can make or break an entire family financially can be allowed to function without a posted address, without a phone number that can connect you to a human being and with such obvious contempt for the consumer?
Unable to get a home loan, unable to get a car loan, unable to get a credit card due to erroneous, fraudulent information on my credit report because of this agency.
Adamina of Virginia Beach VA (04/18/06)
I have never come into contact with a company that so blatently disregards the law and human decency. I ordered all three credit reports from Suze Ormans Credit Kit at FICO.com (which I highly recommend). Of course I found errors on all three reports, but what was frustrating was the fact that Experian makes it almost impossible to dispute anything with them. Transunion and Equifax were very easy to deal with (provided their address and contact information, etc.). Experian requires you to "dispute online" which kicked me out and told me to call a 800 number. I called the number and was put in a continuous loop of nonsense.
Their main objective was to make me purchase another credit report FROM THEM before moving forward. They do not provide an address on their website or give you any possibility of speaking with a live person. What is a disgrace is a company that holds so much of our "lives" in their hands can be so outright unlawful. But even worse is the fact that you can look at the countless customer complaints on this website and know that absolutely nothing is being done about them. Life is too short and our livleihood is too important to have to deal with this.
Diana of Prescott AZ (04/15/06)
I disputed a collections entry on my credit report and got a reply from Experian that it was resolved. It was not resolved, but since their computer said it was resolved, every time I tried to phone to speak with a person, the automated answering system said, "Sorry, that's been resolved" and hung up on me. There was no way to get a live person except to trick the system by entering a false number for the erroneous collection agency entry.
Just gets on a person's nerves that agencies with such power to ruin your credit with their mistakes make themselves completely inaccessible with those automated systems that, if they can't be programmed correctly, should be abolished! All automated systems should have an option to speak with a live person, especially credit reporting agencies.
Lance of Inglewood CA (04/15/06)
Experian has hidden all references to it's mailing address on the internet. I simply need to send them a copy of a released judgment from public records, but there is no place on the web to get a simple P.O. Box that is current to mail this information to them.
My credit score is much lower than it should be.
Gina of Mission Viejo CA (03/29/06)
My credit report includes a bill for medical services that is now in collections. The medical services were provided on a lien basis as part of a worker's comp claim I filed. I disputed this with Experian and was told that because the collection agency verified the accuracy, that they would not remove it from my credit report. I even mailed Experian and the collection agency numerous correspondence, including two letters from my worker's comp attorney, which verifies that the charges were incurred as a result of a worker's comp claim. Experian refuses to remove this from my report.
Suzanne of Largo FL (03/26/06)
I went to the Experian web site to apply for my free credit report. In filling out their form I made a typo. When I tried to go back and fix the typo their system knocked me off and said that my one chance for my free credit report was through! This is a bogus company and something should be done about the crooks.
Jack of Jordan, MN (03/18/06)
I have started to recieve several mailed items to our home, book blubs and music clubs, that I have not joined. I have recieved a cd in the mail & have been billed for it. to pay for it. No one here has ever ordered or had anything to do with these companies. In the one letter(History club) I was told that from our Experian Consumer credit report information was used to make this offer. I have never had anything to do with Experian and need to stop these mailings and phone calls saying I have signed up for things. The history club had a phone number to call if I wanted to stop transactiions not initiated by us . However they ask for your social security nimber and I diud not give it to them.
Charles of Lecanto FL (03/08/06)
For the past two years, I have been unable to get credit because they are reporting me as deceased. They are still showing payments on the credit I have, but I cannot establish new credit. I am told I cannot make a complaint without a credit report, but I do not qualify for a free report. I refuse to pay for one, it's blackmail.
Al of Firestone CO (03/06/06)
I signed up to get a free credit report from these guys when I was refinancing my home. Before the trial period was up, I went to the site to cancel. Problem was that I could not find a way to cancel. I logged in and went to the section that was to manage my account. When I started looking for how to cancel, I could not find it. Therefore, I thought that the deal must not have not gone through. A few months later, I start getting bills on my statement for "CIC Credit Report". Having no clue what this was, I came here and found lots of other stories. These people need to be reported to the rip-off bureau.
Pamela of Redding CA (03/03/06)
These people break the FTC laws everyday and keep getting away with it! I have been going back and forth with them over 2 accounts listed on my credit that aren't even mine! They have removed them, put them back on, removed them again, and put them back on again for 8 years now! The collection companies reporting these accounts keep selling off the accounts, re-aging them by the date they bought them and re-list them on my credit and I'm screwed. Even when they say formerly Fingerhut, which the credit reporters know is the same account, they blantely break the law and put them back on.
I even filed a COMPLAINT AGAINST EXPERIAN WITH THE FTC, but they can't do anything until a certain number of consumers file complaints, then they can take action. This seems like double jepordy to me as why even have the FTC if it takes a class action to do anything? Why have the consumer protection laws when they are not enforced? By law once an item is removed like that it is not to be put back on, but they sure get away with it!
Nancy of Canyon Country CA (02/26/06)
I received an email from Experian telling me there was a change to my report. I logged on and was told it would be 2-3 weeks from the time I signed up until I could access my alerts.
Well, I've been signed up for over a year. I've now spoken with 6 customer service people and have been assured it's a priority for them to get my account fixed. They say the link is not working. However, it never seems to get fixed. Two of the reps told me 3-5 days. The others said 2-3 weeks.
What decent company takes that long to fix computer problems? Anyway, it has now been 8 days, and I STILL don't know what the change is to my credit report. They will also NOT give me a name of anyone in charge that I can contact for service.
Judith of Philadelphia PA (02/24/06)
In 2001 we used Experian Credit to repair the inaccuracies on our credit reports and they informed us they did.
They told us that our loan with Commonwealth ( which we paid monthly out of our checking account) would be corrected and also a small item from the same bank would also be corrected. They were supposed to get this done. Not only did they do nothing about any corrections we asked for but charged us the monthly fee which they took out of our bank each month.
My wife got the corrections done herself but then they put them back on again and when we went for a refinance in 2005. We found out everything was put back on and never corrected even though we had letters from the Bank saying they were to correct the errors. They are a disgrace. They should be fined and put out of business.
Why isn't anyone enforcing them to close if they do not obey the credit laws. I think the whole credit issue is terrible, the consumer is on the losing end. The banks and finance companies run the whole credit issue.
Maria Elena of La Habra CA writes (7/1/03):
They have over 6 incorrect creditors in my name -- incorrect birthdate and incorrect address. My credit score is lowered due to this debt that is not mine. Cannot qualify for home loan or first-time buyer programs due to this.
Pricilla of Ada OK (6/1/03):
I recently applied for a mortgage loan and was told there were several adverse accounts on my credit report. I was confused because I had received a report previously which did not reflect these adverse accounts. I purchased an on-line credit report from Experian and found several accounts that were inaccurate. I asked for an investigation into these accounts through the on-line service and then sent copies of written documentation to support my claim.
I received a letter through the mail saying none of my documentation was being accepted. I called Experian to find out why and they gave me several reasons, none of which made sense to me. But the customer representative assured me the accounts would be investigated and the reporting agencies would have to show verification of the accounts. I waited the required 30 days for the final report and found that 3 accounts were to remain unchanged on my report. I contacted one reporting agency to find out why they had not reported 2 of these accounts as paid. The agency said they had reported the accounts paid on 4/15/03, which was prior to the purchase of my credit report in the first place. The reporting agency stated they were charged every time they reported changes to accounts and did not want to report these changes again.
They suggested I call Experian and ask them to check again to see why it was not showing up in their computer. I called Experian and was told that No, the reporting agency had not updated my account as paid and my credit report would not be changed unless they reported it again. Experian stated they would initiate another investigation into these accounts, meaning it would be another 30 days before I could get my credit report updated. (Which also meant another 30 days before I could try to get the mortgage loan again.) Meanwhile I called the reporting agency and told them what Experian had told me.
The reporting agency's supervisor came on the line and told me that since I had called the last time, he personally had sent them the update on my account. He was very upset and said they have this problem all the time with Experian. He then stated (again) that everytime he sends an update to Experian he has to pay an additonal fee, and that is why Experian never seems to get it correct the first time.
I have contacted Experian by phone and requested they send me the written verification provided to them that proves this account to be accurate. Experian stated they do not have to provide me with anything. I asked them how this could be when the FCRA states that disputed accounts cannot be reported without verification of the information as fact. Experian simply refused to listen to what I had to say and refused to remove or correct the disputed information. How can Experian simply accept the reporting agency's word as true over my written documentation proving what they are saying is false?! If this is the case, anybody can report a debt to the CRA whether it is true or not. Experian is just ignoring their responsibility under the Fair Credit Reporting Act.
These CRA's weild too much power over a person's life through their credit reports, for the CRA not to be held accountible for what they put in these reports.
Because Experian is allowing this company to report inaccurate information, I am being denied a home loan.
Rudy of Fort Lauderdale FL (5/14/03):
In October 2002, I applied for a charge account at a department store and was declined because they were "unable to verify the address given". I contacted the three major credit reporting agencies to obtain a copy of my credit report, and I was appalled to find that Experian had an address listed for me that was not correct. The address listed with my Post Office box included a street address (which I later learned did not physically exist), but that was not all: Experian also had a "spouse" listed on my report as well, though I've never been married.
When I asked Experian to correct the errors, they assured me that it would all be taken care of immediately and I would receive a copy of the corrected report. However, the "corrected" report I received a few days later still listed the incorrect address, so I called Experian again and explained the error in detail. It's been over six months now, and though I've contacted Experian over and over, they absolutely refuse to change the address. In fact, during my last three conversations with their CSR's, I was informed that it was American Express that was reporting the address incorrectly and that Experian was "unable" to change the way it appeared on my report.
But after investigating the matter with American Express I learned that they've never even had the incorrect address in their database and that they've never reported that incorrect address to Experian or any other agency. When I confronted one of the supervisors at Experian with this information, they insisted that they would make the necessary corrections and mail me a corrected report. I subsequently received two more copies of my credit report, both of which still had the error in the address. And, as they had done repeatedly in the past, when I contacted Experian about this issue they tried to get me to purchase one of their credit monitoring services!
This must be how they all make money -- introduce errors into people's credit reports, then coerce them into purchasing their various "credit protection and monitoring" products. I know for a fact that this is true of Equifax, as they did it to me.
I've wasted over $100 and dozens of hours on the phone trying to obtain a corrected credit report, and all I've got to show for it are two dozen copies of Experian's version of my credit report...none of which reflect my true mailing address. In addition, they've made it impossible for me to utilize my mailing address on any credit-related documents for fear of what might happen if the business should access Experian's file on me.
Cherie of Avondale AZ (2/23/03):
When Montgomery Wards declared Bankruptcy I was issued a Wal-Mart Credit Card. There was a balance due of $320 on the Wards account. I've never been late with Wards and this was a current balance. It took me almost a year to get them to make the correction. They kept showing as a balance due. Finally they did correct it and I asked them to send me a letter showing the balance paid and when it was paid, also to tell the credit bureau that I had never been late. After a year this was done.
Wards supposedly called the bureau to tell them this was not late and had been paid and to correct it. I tired to tell the bureau and even sent the letter and the bureau still told me it wasn't good enough. The representative was suppose to take of it. I recently pulled my credit and it still shows a balance due of $320. I can't believe it! I have a 0 balance with Wal Mart and although I enjoy the store and its quality and savings I now DO NOT WANT THEIR CARD.
My credit score of 689 on Experian is not bad but could be higher and one of the reasons it gives is Portion of credit balances to high. It would help if this amount is showing as 0.
Sharon of Holly Springs MS (1/8/03):
Credit Bureau has listed on our credit report that we filed Chapter 7 Bankruptcy in November 2002. We were in the process of refinancing our home at a lower rate and refinancing our boat at a lower rate. Both lending companies turned us down for these services because of the bankruptcy listing.
I contacted the U.S. Bankruptcy Court and their information shows that this is a Larry and Sharon H in Missouri. They also give the social security numbers for these individuals. I have contacted Experian about this problem before and they removed the wrong information. However, this time I have contacted them without relief. Since that time I have contacted them two more times recently and have not received a response.
Martin of Houston TX (6/22/03):
I have been denied credit by a client of Experian because Experian's automated system cannot retrieve my credit history. I was referred to Experian's automated "consumer assistance" phone number. The consumer assistance line is completely automated. There is no means available to speak directly to a company representative unless the caller already has a credit report in hand. Since my inability to retrieve a credit report is precisely what I called about, there is apparently no way I can speak to a customer service representative. This effectively leaves me with no means by which to access my credit history as maintained by Experian, which, to the best of my understanding, constitutes a violation of federal consumer protection law. It further seems comparable to the kind of consumer treatment that led to a settlement between the FTC and the major credit reporting agencies in January of 2000.
For the time being, it only means that I can't order a satellite television system. I find it alarming, however, that the same kind of failure of Experian's system could prevent me from receiving credit under more pressing circumstances, and that, were that to happen, I would have no expeditious means by which to contact Experian to correct the problem.
"Bow" of Murrieta CA (6/15/03):
Experian and others show a Visa Card with a $3500.00 write off. I have NEVER had a Visa card. I cannot contact Experion either by web or phone. There are no provisions to speak to a person to find out anything about where this VISA location is so I can call. A real "catch 22".
Maria of Hialeah Gardens FL (6/7/03):
My fiance went to Lowes Builders to get a refrigerator, they recommended he apply for a credit card there instead of using his American Express card. He filled out the application. He was rejected, and the employee thought he was trying to pull something over on her. He was totally embarrassed and humiliated.
He received the report and the reason for declining his credit was because he is "DECEASED". He obviously is not, but this situation has really stressed him out. We have tried to talk to someone at the Experian credit, but everyone is rude and arrogant. We cannot get anyone to help us.
Novella of Brooklyn (1/22/03):
My Mother and I have the same first and last name same address. However our social security numbers are entirely different. Since 1987, Equifax and Experian have been mixing up our information on each other's credit reports. I have brought this to their attention on several different occasions. They responded by sending me forms to fill out and send back to them. I have complied with all their requests.
Then the action they took was to correct the problem which only stayed correct for a short period of time, then I was writing to them again about this same matter. This ongoing problem has caused me so much distress upon applying for credit. I really don't know what to do to have this matter resolved.
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