Experian

I have now had not one, not two, but three accounts where this suspicious $1 charge appeared. None of these transactions were authorized. I'm contacting Experian this evening to discuss the charges, but I sincerely hope all these complaints result in a formal inquiry of the company and potential class action lawsuit if warranted. These unauthorized charges have resulted in me canceling all those impacted cards. This is not only a cost of time and frustration to me, but also an expense to the card issuers having to reissue cards.

Yet, this is another sad statement about a company that we, as consumers, should be able to trust. The credit reporting companies have reached a new pathetic low. A very innocent inquiry to a credit score proved to be nothing more than a scam to monitor my credit. I paid to get my credit score and received an email of thanks but no credit score.

I called Experian thinking possibly they are mailing the score to me. Wrong! The 1st call was a run around of questions and confusion then a "Let me put you on hold" after a minute the phone goes dead. I called back 2nd time with basically the same experience. I was told my score was supposed to be seen as soon as I paid the night I requested it. It was not! Then I had to sign-in again with another card to view the score and was told I will have credit monitoring for a week and I will have to cancel it within that time frame in order not to be charges.

Beware; this is a scam to try to get your money for credit monitoring. They are using a wear you down tactic. It is unacceptable! I will notify my states consumer protection agency! This is very frustrating to see after what we've seen with banking and fraud in our country!

PS. Another thing I don't get is I have to pay to see my credit score?! Any used car salesman can see at any time. What's wrong with this picture? It's my score.

I agreed to pay $1 for my credit report and clicked "no" to any other offers, I did not want any other services. Same as everyone else, I noticed the $17.95 monthly charges for 2 months on my bank statement and spent an hour on the phone between tracking down their phone # and getting through to their customer service, who informed me that I was ineligible for a refund. I'm writing this while on the phone with my bank, filing a claim (another half hour on hold). If you find this message, I hope you do the same and encourage your bank to dispute the charges. Their methods should be illegal, obviously thousands of dissatisfied customers duped into a monthly service.

I continue to have a security alert on my credit reports and I have sent you letters and phone calls asking that they be removed. This has caused me higher interest rates if I can even get a loan. No one can access my credit history to give me one because of the security alert and freeze on my credit and all my accounts. Additionally, I have come to believe that my local Post Office in Dana Point. CA 92624 is opening my mail and paying my accounts. This also means that they are judging me, refusing my credit and loans, and charging myself and my family higher interest rates than they are getting. They have ripped off my Social Security too and are not the kind of people me and my friends and their businesses want working for us in the first place. I will be taking this to many other agencies but in the meantime, that security alert must be taken off.

It has come to my attention that Experian is disseminating erroneous/false information about our organization. My attempts to contact them to resolve have been unsuccessful. I will also file a complaint with the Better Business Bureau, but it seems ridiculous to have to take that approach.

They have been swindling money from my account monthly. Make sure that if you ever use their $1 offer to read their fine print, and cancel the moment you get the results you paid a dollar for. Horrible Experience!

Same story as everybody else. These guys decided they'd be charging me $20 a month for no reason. Never dealt with them, never heard of them. Called them and they said someone called 'Shaniqua' and 'Rodney' tried to sign up. Obviously, that's not true, there never was anyone called Shaniqua or Rodney. Had to call my bank, cancel my card. What good will that do me?

They'll just charge my new card. How come some huge company can randomly charge my account and I can't randomly charge theirs? I want to charge them 1 million a month and if they complain, I'll say 'looks like Jimmy'did this, not me, sorry guys, let me give you a refund'. That' would be nice, interest free loan.

This is a bad company. They are ***. I have tried to cancel my trial membership and they give me the runaround. I am writing to the Better Business Bureau in my state and in theirs. Do not ever try them.

I have a monthly subscription to freecreditreport.com (subsidiary of Experian). My score for January shows mid 700's. In same month, I applied for a credit card from Citi and they showed my Experian score as mid 600's. No doubt resulting in lower limit with higher APR and a hard inquiry ding on my credit report. No doubt each will point to the other one stating it's their bad data.

I'm very happy with Experian. They help me. I don't know how come a lot of people say "This is a scam." Learn how to read. It is not that difficult to see the fee. They have to get the Experian report. I see a lot of comments regarding the extra fee for the three bureaus. Come on, how the heck somebody can be so brainless to get a charge when all the info is on the website? Again, learn how to read. It's as simple as that.

In early December I paid $1 for three agency credit reports through Experian. They automatically signed me up for "Credit Watch" and I was told if I cancel within so many days of the "free trial period," I would not be charged. My cancellation email arrived on Dec 9th. My credit card was charged $17.95 on Dec 15 and then again on Jan 17th. In January, I clicked on a link in an email from Experian saying something had changed my credit score.

I was charged $29.95 to look at my report . Since they already had my CC info , I did not know they were charging me. I went online to pay my CC bill and found all of the charges. Experian customer service agreed to a partial refund. I got an email stating they had initiated a $15 refund. If I was eligible for the refund, I would receive it within the next billing cycle . I replied that was an unacceptable resolution. I wrote to my credit card company, Capital One, an email and included the cancellation email and they refunded everything Experian had charged me since the cancellation email.

Thank you, Capital One and ***, Experian. Experian is a totally fraudulent company! Their customer service agent had to keep going back to someone else for authorization and never could reach an acceptable solution. I threatened them with my attorney, my CC card company and the BBB. I wish I had seen this site before doing any business with Experian.

I had never even heard of Experian until I saw a charge from them on my online bank statement for 19.95. I never authorized such a charge, never ordered a credit report or visited their website. I called my bank and they froze my account, I can't file the claim since it's still "pending". Hopefully, it clears today, so I can go to my bank and file a fraud claim. I was so angry, I even called Experian last night.

The woman on the phone wanted me to give her my debit card number, so she could look into it! (Can you believe that?) She said that sometimes users enter the wrong card number and that this could be why I was charged (?) Really? How the heck would the expiration date and security code match up then? She told me that even if I got a new debit card through my bank that I would still be charged possibly monthly payments. I guess I should get a whole new account?! How is this company in business? They are scam.

On November 30, 2011, after one of our credit cards was compromised, I checked the credit reports for me and my husband at Experian.com, and paid $1 each on my Bank of America credit card. On 12/7/11, Experian charged $17.95 two times, and again on 1/7/12 for a monthly membership that I do not recall signing up for. I called Experian and canceled, but they would not give me credit. I called Bank of America credit card, and they said Experian does not give credit. I think their website is deceptive and fraudulent, and I would not use their service again. I wasted $72.

Last month I noticed a charge from Experian on my bank account for $14.95. I thought it was weird, but then dismissed it (don't ask me why, I guess I thought it was a mistake).

However, when I got a second charge this month, I got angry. I called Experian, and the customer service rep I talked to explained that when you cancel online, you don't cancel everything. You must call them to cancel the monthly charge. I do not remember seeing anything about this, or I would certainly have called to cancel that too. I feel that this whole thing is an underhanded scheme by Experian to get money out of the consumer. They bait us with the "free" claim, and it's anything but!

I signed up for a 30-day trial back in 2009 with them and had no problem canceling before I received a fee. Now, over 2 years later, I received two $1 charges to an Amex card (that I didn't even have in 2009) in December. Amex called me about the charge because it looked fishy. Because there were multiple instances of this charge they canceled my credit card and sent me a new one. I just got a $19.95 charge today. So I called Amex and they told me that the company has tried many times to charge me, but they blocked it (trying to go thru the old card). I called consumerinfo.com and they can't even tell me why I'm getting a charge because my account is closed. They said to call back tomorrow after the charge has cleared. This is crazy!

I noticed last month that I had two $1 charges from Experian that I had not authorized. I called my bank, and after the second call, they sent me to their fraud department. They cancelled the charges and issued me a new debit card.

First of this month, I received another charge from Experian. But this time for $19.95! I called my bank again; they sent me to the fraud department again. They cancelled the charge, but the charge still went through. They issued me another debit card (my second in one month). I called Experian, and they said they would "block" the account and asked if I knew a "Shannon **," which I did not. They said they couldn't give me their last name, because they too might be the victim of fraud. They said they would refund my money, which I'm still awaiting to see come through.

Beware, this is very illegal, and this concerns me how they were able to still charge my checking account even when a new debit card was issued! If this happens again, I will change banks.

I signed up for a free credit report from Experian, but I had to supply my credit card. Stupidly, I did. Then they charged me $19.95 twice in one month (December 2011) only three days apart. I have contacted them about this and have not received even an acknowledgement.

I have been rebuilding my credit score for years now since a bad time in my life and finally about to break 700 with my score at 699. Then on June 13th, 2011 Experian showed my only major credit card as closed and since that is the only one I have, it dropped my score 30 points. I have been sending proof and talking to my credit card company since then and my credit card company says that it is open and it shows open on all my credit reports and yet my credit report shows it closed and they say that the status won't change because the credit card company said it is closed.

I ordered a credit report & credit score through Experian & www.annualcreditreport.com. I did not realize when I paid the $1.00 for the score that I would be signed up for the $17.95 a month credit monitoring.

Within a week, I noticed the $17.95 charge and immediately called and e-mailed customer service for the credit monitoring. I requested that the account be cancelled immediately and asked for an e-mail confirmation. I never received it. I called & e-mailed again. Marnee responded that "my request could not be handled via e-mail" and instructed me to call the number I'd been calling the last few days.

My request was to cancel the account. This is so much for your annual "free" credit report. If you want your score, go to one of the other agencies.

First off, as a recent Air Force veteran, I am ashamed that I fought for the rights of the people of Experian, who are clearly engaging in fraud and deception at the highest levels, blatantly stealing money from ordinary citizens of this country, which I consider to be un-American. That said, like so many others on this board, I signed up for a free seven-day trial to monitor my credit report via CreditReport.com (owned by Experian). I canceled the same night (after finding out they apparently "didn't have enough information" to deliver my report) and upon closer scrutiny, I have been charged $19.95 for the last two months. I keep close tabs on my finances as well as my memory's braincells, and I know for a fact I canceled within my "free" trial period.

After discovering this unauthorized/fraudulent charge, I tried logging in through creditreport.com, as well as other Experian websites. And whaddyaknow again! - the website says they have no record of my account. Unbelievable. I cannot speak to a human at Experian until to tomorrow and will update you with my results after I not only close my account (that may or may not exist), but also demand charges be reversed. But, judging from what others wrote, there's not going to be a pleasant conclusion.

I don't understand how this company is still in business, a company that is nothing more than a street criminal clothed in a Wall Street suit. I sympathize with the others on this board and encourage others who have been scammed to file/voice complaints through all possible avenues (their Facebook page, the BBB, FTC, Congressmen/women, etc. ) as I am doing right now. This is madness.

I signed up for a free credit report. After reviewing my bank statement, I have noticed that they are taking money out of my account without my permission. When I called, they said that they do not give refunds! I will never use them again and will tell everyone.

I called on behalf of the charges made to my debit card. I authorized one payment of $1.00 and received two additional debits of $29.95 and $39.95. I spoke to a young man who could not even tell me why the one charge was made. Their website said I would not be charged more than a dollar until after the 7-day trial period.

I was on the phone for 20 minutes and repeatedly asked to speak to a supervisor and I was ignored. I believe, by law, I'm allowed one free credit report from all 3 credit agencies per year, instead I've been overcharged $69.90 which was never authorized. Their website was misleading and if I knew they were going to charge me over $70.00 for something that should be free, I would have never supplied my debit card information to this company. I would like the money credited back to my account because I did not authorize this company to fraudently deduct $69.90 from my account.

Signed up for a seven trial for credit monitoring. Cancelled the membership the same day, but my credit card was still charged $16.95. After I got my statement, I called Experian and was told they had no record of the call and would not refund the money back to me. My advice-- do not sign up for a "trial membership". Instead opt for the free credit report you are entitled to once per year from each credit reporting agency.

As with many other complainants, I found charges on my credit card from creditreport.com (which appears to be owned by Experian) despite me not ever having signed up for or even heard of their service. I believe the problem is that they have very lax verification procedures for credit cards when people sign up for accounts. They do not verify that the name, address, phone number or CVC of the entered credit card actually match the information provided by the person who signs up for an account. Obviously, this is known about in criminal circles. Scammers know they can simply enter any valid credit card number when opening a creditreport.com account. I don't know if they do this simply to get the creditreport.com service without paying for it or if it provides some kind of avenue by which they can then exert more control over the card.

Received letter saying they would be increasing your membership to $19.95 per month. I have never signed up for a membership. I only signed up for the 1 free report I am allowed per year. When I called to question the "membership", they kept asking me for personal information that I was uncomfortable giving to someone by phone. They should already have all that information and I had already given them enough information to identify myself. I got tired of them asking all the questions without giving me any information about this "supposed" membership and how it got activated and terminated the conversation. Upon checking the web, it appears they are doing this to lots of other people. Just google the 1-877-284-7942 and you will see the posts. All I can say is I had better not find any charges on my credit card from Experian.

Now I have to write a letter to the consumer service and mail it to their customer service for the remaining half (rem mail not email), which will cost me another $5 but I am not letting this thing go. Good luck, guys, with Experian.

I put in for a free credit report and then I found charges of $19.95 on my bank account too in one month. I was not notified about them either by mail or email. I only found them when I check my bank statement. I called them and they said I didn't have an account with them and they needed my credit card number.

Experian sucks! I am sharing the same complaint as most people on this forum. I'm merely adding to it to emphasize everyone else's point. I was charged an extra $30 when I was under the impression that it was a $1 trial period. I emailed their Customer Care staff and even included screen shots to show that it does not clearly state that there was going to be a $30 charge. They basically said "tough **". If this post helps anyone from this incredibly frustrating and annoying experience, then I'm happy.

I signed up for a one time free credit report. I was subsequently charged 3 months in a row for ongoing credit reports which I was never notified of. I had no idea the charge was being made automatically to my account until I received an overdraft payment. After calling them and complaining for over an hour, they refunded one of the four months they charged me $17.95. Due to their automatic charges, I was assessed an overdraft charge of $34 from my bank.

I just discovered charges on my credit card statement since August of this year! t started as two charges of $14.95 each charged every month; it has now risen to $14.95 and $19.95 every month. I have never signed up with this company nor have I authorized any sort of credit score search or anything else. Granted, I should keep a closer eye on my statement, but it certainly doesn't justify fraudulent charges.

They charged my checking account $19.95 today. I haven't contacted them or given them this debit card information nor authorized the charge. I'm filing a complaint of an unauthorized charge with my bank.

Experian has deceptive and false advertising. They advertise a one time, $1 charge to access your credit reports then hide in legal terms that they actually mean they will charge you $29 (in the same day as the $1!) and then consecutively charge you every month thereafter. There is no clear confirmation or disclosure of what will happen. I then emailed them at their so-called "customer care" email over ten times with no response! Only when I finally spoke up on their Facebook page did I receive a response (I suggest all do this). This is a terrible business that violates consumer rights. They took $88.80 from my bank account. I managed to get $46 back but I still owed $33 more.

There was a charge for $19.95 from Experian on my credit card statement, so I went online to see what's going on. Then I found another pending charge for $14.95 from Experian. I called visa and they cancelled my cc immediately and reissued another one. This company should be investigated as I read more similar complaints above.

I used Experian in October to check my credit report. I believe I gave my credit card information for a one-time fee because it was the second time this year I was checking (as I was moving). Without my knowledge, Experian used my credit card information to debit $17.95 a month. I did not receive an e-mail that I had become a "member" nor did I receive notification of these debits as they happened. The only reason they received 2 stars instead of 1 is because after I called and demanded for a refund, the refund was granted. They erroneously charged me about $54 for a service that I neither wanted nor realized that I had.

Experian charged my credit card $14.95 without my authorization. I called my credit card company who, in turn, called Experian while I waited on the other line. Experian refused to speak to Visa, because they said they were recording the conversation and hung up. Visa also noticed that Experian issued a charge for the next billing cycle. Visa immediately transferred me to their fraud division, canceled my account, and reissued a new card number. Hooray for Visa!

I haven't checked my credit since 2008. But today, 12-15-11, I noticed they took $21.72 dollars for a "trail" credit service? I haven't asked, emailed or filled out a form. I want my money back and for them to leave me alone!

I'm not sure what is going on, but I was charged $19.95 on my credit card, for a credit report that I did not order. When I called Experian, they gave me the name of the person who the credit report was ordered for. It is not me, nor anyone that I know. Dear Experian, why would it be okay for you to charge someone for a credit report that is not their own? Wouldn't that raise questions to you? I'm not sure how they got my credit card number, but again, being that Experian is in this business, why would it be okay to charge my credit card number?

I am not sure what the consequences are yet. What if someone out there is getting my credit report information, by paying Experian the cost of it using someone else's credit card? I am quite sure this is part of a hijacking/identity theft situation, but all I could get out of Experian is that, they would refund my money, but that may not be the big problem now!

My Experian Credit rating has recently dropped to 687 while my other credit ratings are: 760 and 782. I looked back several years and my Experian rating was also in 750 range. The only thing that has changed is that I have paid off my house and both family cars. I have no debt! Your operator could not tell me anything about my account. She had a canned speech and no additional data. I wonder why I waited 45 minutes to get nothing in the way of help. Would someone please get back to me as to why my rating went down when I've paid my house and both cars and have no debt.

I wanted to get a 3 score 3 credit report. I filled out the application and it approved me for $39.95. I went and put in my username and password. Experian wouldn't accept it. I tried 2 more times and I still couldn't get in. I tried one more time and it came up that I had been locked out. I called customer service. The lady said that I had an account with them back in 2008 and that I might have used the same password now as I had then. She was sorry for the inconvenience and said she would give it to me for $14.95. On Dec.8, 2011, I called customer service and a man said that my account had been canceled. On Dec. 10, 2011, I noticed that Experian had taken out $39.95 out of my account on Dec. 5, 2011. Again, I called customer service. This time the lady said I couldn't have a refund because I had locked myself out the first time. So, somebody tell me what is going on.

They took 2 months payment without my approval! I signed onto Free Credit Report. com through Experian on October 15th, and they charged me even though I was offered a free report. I gave them my card # to give me access then I immediately cancelled. I never went back to that account again to use the information. I assumed I was cancelled! And then they charged me for 2 months. I called to inquire why I was still being charged and they said I never cancelled. They are a fraud and do not deserve anyone's business.

Three unauthorized charges (2 business checking acct. & 1 personal credit card) within a month. Called Experian after discovering first on checking acct. and they were unable to tell me anything about the charge. Called again today after noticing 2nd and 3rd, they gave me a name of a woman I have never heard before and said her name is on the account set up with Experian. They said it may be a case of identity theft, but no other unauthorized charges have been made. And having an unauthorized charge from Experian now on a totally separate account of mine seems more as though Experian is the one committing the identity theft.

They were not helpful in anyway, and if anything very rude. Being one of the accounts Experian deceptively charged is a business account, it is now creating a myriad of problems trying to have new cards issued and switching over any existing business accounts over to this new number. Also contacted personal credit card company to have new cards issued to prevent further unauthorized charges.

A charge of $52.96 was found on my bank statement from Experian. When I called, they informed me that a certain "John" had opened an account with my credit card. They said they would send a check for that amount, and that I should contact the police. I had my card blocked. I still do not know how much of my personal information was compromised.

A charge showed up on December 7, 2011 for $19.95. I called Experian to dispute the charge. They asked if I knew a certain Michelle ****. I told them I did not so they did agreed to remove the charge and look into the matter.

One to five and 5 being the best. Rate: -5. This is my second time in several years to inquire for my free report and my card was charged $17.95. The message said I would not be charged in seven days. I was charged the fifth day. I do not want the service. Last time this happened, I did not get the refund back. Is this legal? I trust you with all my personal information. Please reverse the charge.

I noted a debit against my checking in the amount of $19.95 which I had not authorized. I contacted the bank, who in turn contacted Experion. Experion advised the matter may have been Identity Theft related. On the transaction, he noted the name Stephanie, and asked me if I knew anyone by that name. I do not.

This credit bureau company refused to clear all related articles from Starret Walker's credit record despite the court order proof that was sent to Experian.

Experian opened an account through a second party without my consent. This second party is hacking people's financial info thanks to Experian. Fraud (unauthorized charges) has happened twice, the recent amount is $411.77. Also an unauthorized Visa Debit card was also attached to my account, thanks to Experian. When confronting Experian on the phone, they said a "Charles S" opened the account but wouldn't give the last name. Why would Experian open a second party's request for mu credit info ?

I would give less than one star, way less. These crooks charged my bank card 5 times in one month. They are out of control and nothing more than legalized thieves. I will call my bank and demand that they void all future transactions from these crooks. How in the name of all good and common sense can a credit reporting agency be so crooked themselves? I am shocked and amazed. Buyer beware, their ads are nothing more than a come-on to scam the unsuspecting consumer into multiple charges over and over again for no service rendered at all. I couldn't even print the stupid report.

Their website is really messed up for the last couple months. I have been a member for over 1 year. For the last couple months, when I log on for Explorer of Google Chrome, the page is all jumbled up and you can't click on everything. Also, they raised the fee from $15 to $17 per month, saying that it was because now they offer all 3 reports in one. But they don't; they only show you Experian report still.

I called to cancel my service. I was informed that my service was cancelled. However, Experian continued to bill my credit card for over a year. I hope that someone files a class action lawsuit against this company. They are stealing people's money, and they know it. If I can't get them to cancel my service with a written letter, then I am going to have to cancel my credit card just to get them to stop billing it. For me, over $150 dollars; for Experian, apparently, there are no consequences.

This company falsely represents itself. I feel I was taken advantage of and don't understand how companies like this are allowed to continue to operate. I see they also put in the agreement that I waived my right to take them to court and the right to a trial by jury. This should be illegal. ****.

Canceled but Experian is still taking payments from the credit card I gave them for monthly service. They are **!

I signed up for a free credit report on Experian.com just to check my credit score. I read the very fine print that said I would be charged if I did not cancel my account within 7 days. I canceled the account immediately after I checked by calling customer care. The lady tried to convince me to keep it but then relented and said she would cancel it. Just today I looked at my bank account and found a charge from them. I called customer care again and explained my situation. The gentleman on the line didn't sound at all sympathetic or that he even believed me. I told him I had called and his response was "sure". He was very rude! I was very angry at that point and he kept trying to make up excuses and said I didn't call when I did.

I ordered the credit report in late October. I didn't like the service and called to cancel. I received an email with a confirmation number that I cancelled. I thought that was the end of it, until I got an email from my bank saying my account overdrafted on Nov. 3rd and my balance was negative $50! Experian charged my account $14.95 and my bank charged $35 for overdrafting (I only leave a limited amount of money in the bank and two days before, I had taken the money out to buy groceries). I emailed them demanding a refund, in which they did. They sent me another email saying they would refund me and cancel my membership, which should have already been done! I finally received the refund today. But now I have to work with my bank to make sure I don't get charged again for this "cancelled" membership. Plus, I am now stuck with paying $35 for something that was supposed to be cancelled.

After getting my credit report at the end of July, I called and sent emails, which I have a record of in my sent box, telling Experian to cancel my membership. I did this in August and September. In October, they once again charged my banking account and when I called, they said they had never been contacted. This is a scam. And they should be taken off the internet.

I went to their site understanding that it was free to look up my credit report. That is the way I understood the advertisements. But to my surprise and dismay, I noticed that there were charges to my Capital One for $14.95 on two different occasions before I realized what was going on. I called them and told them to stop and to take me off their member list on the 15th of October. But later, I noticed that my Citi card had been charged for $39.00 on the 24th of October--for what, I don't know! This was after I told them I want no part of them.

They charged me on two different cards. I have no idea how they got the second card number. I don't get it. And since they would not refund me the first card, do you think that they will with the second card? That is a charge of $70.00 to check my credit score for the month of October. Can someone stop this business from stealing from us? How can we protect ourselves from mega companies that bully us? I work part time, and $70 is a lot of money which I could use for food. Please help.

They refuse to remove my former married name. This name has not been used for over 15 years. There are no credit accounts or collection accounts attached to this name, yet they refuse to remove it from my credit report. They are violating my privacy because this last name keeps coming up in Google search results. Also, on my credit report, it is a "public" record. Further, I believe it constitutes sex discrimination because a man would not have to have his previous married last name advertised to the world.

I found a charge from Experian on my mother-in-law's closed credit card account. She died in September. I ended up having to call the corporate offices to be able to connect with customer service. They refused to do anything about closing the account unless I gave them the full credit card number she was using. The girl then told me they could not look up names, it had to be done by credit card number. When I asked to speak to a supervisor, I was put on hold then disconnected. I again called corporate offices and was sent back to customer service where I demanded to speak to a supervisor. She told me they needed the full credit card number. I hung up on her and called corporate again, asking for the public relations office. The operator asked what my problem was and she told me that my wife, as executor, could get the number from the credit card company and then call back to cancel her account. They make it very easy for you to get on their service and almost impossible to get off it.

This is horrible. I ordered a one-time credit report back in April. Each month since then, they have continued to charge my credit card. I have called repeatedly and they've told me that I didn't have an ongoing account with them, so they weren't sure why it was showing up. They never refunded the money. Upon opening my latest statement, I found the charges are still coming. They told me today, after hanging up on me three times, that they did have me listed as signing up for an ongoing account, which is a lie.

The operators were very rude to me and kept saying that I must have said yes at some point, despite them denying I had any such account in the past phone calls. I'm in the middle of filing fraud charges with my bank.

I received a letter indicating that I had insufficient credit history and that I can obtain a free copy of my credit report from Experian within 60 days. I immediately called the number indicated on the letter **. After answering the questions on their automated system, I was told they were unable to help me at this time. I then tried to get the report online. I went to the website ** and after filling in my personal information, I was told they were unable to help me at this time. I don't know if they are able to help anyone to a free copy of their credit report, but under the state and federal fair credit reporting act, I am supposed to have the right to know the information contained in my credit file. Maybe Experian is above this law.

I am following up on my complaint posted on 10/15/2011.

I received a one page letter/notification on Saturday, 10/22/2011, from Experian, stating, "We are unable to honor your request because you did not provide sufficient identification information for us to verify your identify. For instant and secure access to your free credit report, visit www.annualcreditreport.com."

First of all, as far as I know, I supplied all the information they asked for via the phone number given on AnnualCreditReport.com site, but since this correspondence said to go to the www.annualcreditreport.com site, again, I thought I would give it another try as well as dig out old credit reports from Experian, in case maybe they were asking identification questions that were on those reports that I answered incorrectly the first time around. But, this time, when I tried to get report from the AnnualCreditReport.com site, a note came up that they could process my request and to call a phone number for Experian, which directed me to go to experian.com/now, if I wanted immediate access to my credit report from them. Otherwise, the phone prompts seemed to not really give any information as how to get their report free, but a number of times mentioned that one could pay for a report.

Anyhow, I went to experian.com/now site to see if I could now finally get a copy of my free Experian credit report, and this site of course wants a person to sign up for their 7-day trial membership in Experian Credit Tracker service at $1 for such service for their credit report and credit score. I might have done so, but having already read other complaints here, I was leery of having to go through a lot of trouble to get them not to charge me on a monthly basis as I really am not interested in this service at this time. In the letter/notification they sent to me, they gave me instructions on how to write my report to them, but as I was only trying to get one to monitor it as it has been a couple of years, I am not going to bother because I already have spent too much time jumping through hoops with these people.

Unfortunately, through my experience and what I have read in the complaints, it seems as though Experian is making it difficult for us to get our free credit report in order to bilk money out of us. As I said with the first complaint, I did not have any issues with getting my other 2 reports, and to me, there seems to be something amiss here. This time around, I left the box unchecked for "I do not want an attorney to call me about my complaint" because if it is found out that Experian is involved in defrauding behavior concerning this matter, I would be happy to relate my experience with an attorney.

Meanwhile, I will just figure that I did something wrong when trying to get my online report from the www.annualcreditreport.com site and that my one free report for the year has been used up and I will try again next year. The strange thing is, the letter I received today does not state such, and actually says I can write to them to get my report. Therefore, it just seems to me that something shady is going on here, but what do I know? Good luck to those really needing to check up on their credit reports.

I had to pull my credit report for a job application. This is a free report if canceled within 9 days from the report. I cannot get through to cancel the ongoing monitoring that Experian will provide for a monthly fee charged to my credit card. The phone number provided requires a number from the credit report, in which mine does not have a number! Consequently, I was not transferred to a live person. This is not a good business practice. I am very frustrated. I don't want this credit monitoring/charge. Also, Experian has me working for an employer I left 9 years ago.

Experian has combined my mom's credit information with mine twice now this same year. This couldn't have happened at the worst time too. We're trying to buy a house and my Experian credit score plunged almost 100 points because of this error. I've never had this problem with TransUnion and Equifax. My score with the other 2 agencies is both in the 750s, but 650s with Experian. Wow. Experian should really change their name-based system. Many people share names with family members. Simply saying that their system is name-based and the combining of the credit information of 2 people with the same name cannot be prevented from happening (this is exactly what the rep told me when I was disputing my mom's credit information) is such a lame excuse. This ** error in their system has just set us back another 6 months. Thanks for nothing Experian.

During the home loan application process, we learned that Experian listed errant data files on our report. This information is not listed on other reports. I cannot get hold of Experian, and they hold you hostage making you pay for their credit report or they will not talk to you. After you order the report, they send an email informing you that they will get hold you of in 7 to 10 days. This is a rip off.

I had been paying $15.00 a month for credit monitoring. Then all of a sudden, they charged me $17.95 this month. Has this happened to anyone else? Did Experian notify anyone that they were going to increase the price? Can they do this? It doesn't seem fair.

I tried to get my online report from Experian via AnnualCreditReport.com. But after answering the identity verification questions, the next page that came up was an "unable to honor request" page which included dollar amounts to purchase the report and/or receive credit report overnight. It seemed like an attempt to get money out of someone for supposedly free credit report. Maybe I answered their vague security questions incorrectly, but had no trouble with other 2 credit reports. Anyhow, I went ahead and called the phone number given on AnnualCreditReport.com site and ordered my "free" credit report from Experian via that method. We will see.

Experian will not stop sending us emails about accounts we canceled at their site. We have canceled/called 4 times with them. Each rep says that it is being taken care of. "Taken advantage of" is more like it. After saying we had to spend $1 each to see our scores, we are now being charged $14.95 on our credit card. Beware! Not only do they never correct disputes on your credit report after we have tried 3 times in the past, they now are bilking people out of money by saying the site is "free". We have filed a dispute with our credit card company and are filing with the Federal Trade Commission.

Experian has me working at a job where I haven't worked, since 2002! That is 9 years ago. The other agencies are, at least, within the last 3 years. They have impacting my score negatively and I cannot reach them on the phone. They are horrible and unprofessional and are getting in the way of my moving forward. Something needs to be done with this company.

I have been trying to dispute certain information on my credit report from Experian, and neither them nor their online credit report company which belongs to them, freecreditreport.com, discloses information such as mailing address. I needed it in order for me to send them my disputes in writing. For over 4 hours, I tried to get their mailing address and all I got was runarounds and very rude agents on the line. I wasted all my time because after I got a hold of a supervisor, apparently frustrated with my persistence, he told me directly that I needed to spend the $14.95 on their website in order for me to resolve or dispute any information no matter what, or otherwise they will keep my incorrect information on my credit report. I already had the credit report but he didn't care and wanted me to pay for another one. TransUnion and Equifax were a complete different story. All their contact information was published on their websites and a lot more places all over the internet, even phone numbers.

I refuse to pay for something I am even entitled to by law according to the Fair Credit Reporting Act. Even under the annualcreditreport.com, Experian's mailing address has been removed and instead there is a link for you to go to their freecreditreport.com website and sign up. Is there anyone regulating ** like this? As soon as I told the supervisor that I would record the conversation and take it to my attorney, he refused to continue with the conversation anymore and hung up.

I requested my credit report from all three credit agencies. TransUnion and Equifax were completely accurate. Experian's report had all types of credit information for other individuals on my report. Clearly this is an error in Experian data since the other two agencies were okay. I tried to notify Experian using their website but was directed to call a phone number instead. I received an interactive voice response (IVR) system that wouldn't accept the information. I went on the internet and found other Experian phone numbers to call but those kept connecting me to the same IVR. Is there a way to talk to a human being!?

I went on the Experian site to purchase my 3 credit reports and scores! Next thing you know, I'm being billed $17.95 a month for some bogus program! Not only did I not want the bogus program, I was not notified that I would be getting it or what it was exactly! It seems to me that many people have this issue. It was because on their website, there are a tons of explanations for you after you have been charged the $17.95 fee. It's ** and a shame that in this day and age, the government still allows these private businesses to steal from the American public! Don't these private companies know that the US government is the only one allowed to steal from Americans?!

This is the second time I have found my credit report filled with erroneous information in 2 years. I have disputed them all through the Experian online dispute, and each time, they came back saying that they were found to be valid debts. They were not valid debts. They were old paid off accounts that were sold to third party companies trying to extract money from me. Even when I have gone to Experian with irrefutable proof that the debts were paid off, they still did nothing to help fix the errors.

About three years ago, my husband and I placed a freeze on our credit reports in response to the rise of identity theft. At the time, we understood that we could temporarily lift the freeze when applying for loans. We are now attempting to refinance our mortgage. We have made repeated attempts to unfreeze our Experian report using their online tool. But after going through the process of filling out all of the information requested, we get a screen saying that the only way to unfreeze the account is by sending confidential identity information (which we were trying to protect) and money through the US mail. They do not provide any way to contact "customer service" to determine why we can't use their online tool.

In fact, there is no information about how to contact a human representative for their company on their web site. They also don't provide any information about how and when they would let us know that the account is unlocked once they receive all of the paperwork they require. I suspect that, although they claim that you can easily unlock your credit report online, their website is not set up to collect their fee for unlocking your report (although you can certainly purchase their credit report/protection products online). Both Equifax and TransUnion make it possible to charge their unlock fee to a credit card. No fuss, no muss.

When I got my American Express bill last week, I happened to notice a $14.95 charge on my account by Experian. I did call Experian and they could not find any charges or any services on my name. I have not authorized or asked for any service or credit report from Experian. I did call American Express and inquired about it. They said I had been charged $14.95 on last month too, which I have failed to notice on my bill. I have told AMEX that these charges were wrongful and they gave me the credit instantly, and put the charges on dispute. I wonder how can they use my AMEX credit card number without my knowledge or permission? I thought Experian is a noble credit reporting company.

I got my credit report for a dollar. After a month, they charged me $14.95. I called and was told to send an email stating I wanted it cancelled. This was on 8/28/2011.

I was surprised to find they charged me again on my debit card, of which I need this money for gas for work because I just received a new job. I'll eat the first fee but for the second, I would like my money back but I dont know who to contact. The number on the web page leads you to a dead end.

They would not give me a credit. They are double charging for services used within less than 30 days. I went online on Sept. 8, 2011 and within 4 days, they charged me $16.28. On Sept. 17, 2011, they charged me again $16.28. This is scam.

I went online and received a "free" credit report. When I checked my credit card statement, I found out I was charged over $60 during a two-month period.

I pulled my credit report, and on Experian only, found a 'negative item' reported from this company/collection agency, stating that I owe $45. I never used this service nor received merchandise. I disputed it with Experian only to be told that it is to stay on there. I sent letters to FTC, Consumer reports, Experian and Trident Asset and have not heard from any company other than Experian. I need this removed as it is not valid and I have impeccable credit otherwise. It seems a lot of other consumers are dealing with the same situations or the like.

Experian sent a letter saying I requested a copy of my credit report. I did not. They said the request was made 8/26/11, but I requested a report from them (the FACT Act free report) on 4/26/11. Individuals can only request one report per year. What's up with this? Now, I have to call them and I'm sure, as in the past, they will provide poor, unresponsive and uncaring service. They are terrible, just terrible.

These credit agencies that run this country have total control over anyone's life! The major problem lies in the name of the business that you are dealing with, like Experian, for example. Then, there's that triple credit report that monitors the 3. Well, I have been charged by this company, with this telephone number that is unbeknownst to me. I did cancel one because I told them that I was going to report them but they are so out of control and I do not trust them, when all of us depend on that rating. I hope that you can help me.

I will quote the Experian privacy policy, "Experian considers itself a steward of the information it collects, maintains and utilizes. Our responsibility is to ensure the security of the information in our care and to maintain the privacy of consumers through appropriate, responsible use." Yet, Experian gave my phone number to shady debt consolidation companies with these illegal phone numbers: 2-124-243-7315 and 7-500-228-2700.

Is it "responsible use" to give my information to illegal credit consolidation companies? Would a legitimate credit consolidation company have a fake and illegal phone number? I do not think so! To stop this according to the FTC (Federal Trade Commission), all I have to do is call the telephone number 888-567-8688, and give them my social security number over the phone. How many people have scanners that can listen to cordless phone calls? Not a good advice, right? I call this entire thing CORRUPTION!

Experian fails to provide any address either on their credit report or online, as does FTC. FTC fails to state any address for sending certified, written consumer disputes concerning credit reports. According to my call to FTC, they gave me this address **. I have a reference number from them concerning this complaint of no address dated 8/29/2011.

Experian failed to correct my credit report, 5 times. Today, I emailed the proof on corporate letter, along with my explanation and my driver's license. Charmaine ** (support@experiandirect.com) responded via email, instructing me to get a current credit report and to follow procedures. I check my up-to-the-minute credit report through CoreLogic every day.

After registering to receive a credit report for myself and my husband, Experian charged the $29.95 as was agreed. Then, 10 days later, I had 2 charges of $14.95 for a monthly fee that was not discussed or agreed to. When talking with their customer service, we were told that they do not give any kind of refund. This is unethical behavior.

Experian gave my son's information to "People to People" for a life-changing experience for a junior high school student. The problem is that he was already 25 years old in 2006 when he had a fatal car accident. His last name was also different than mine. Ken from People to People told me that this is not the first complaint. This has emotionally, severely, and deeply hurt me, reminding me of this sad tragedy of my only son. I called them and they would not do anything at Experian, not even a credit report for me to confirm my son's information.

I was given an opportunity to check my credit free, and then before I knew it, I was being charged $14.95. I then called them and complained; I was told I would receive a credit. Well, that did not happen and a month later, I was tapped again for $14.95 which caused an overdraft on my account. So then I called again and was told I would be given a credit for both $14.95 withdrawals but I would have to send my bank statement to prove my overdraft. I was so mad I could have strangled someone.

Credit bureau Experian advises me that their procedure is to classify 30 year amortization fixed rate home equity loans as INSTALLMENT LOANS, not as REAL ESTATE LOANS, as logic would suggest.

As a result, when a bank orders a report on a consumer with a home financed via a home equity loan, that consumer's credit report will show zero in REAL ESTATE LOANS, and will be grossly overstated in INSTALLMENT LOANS.

As installment loans are the classification of term loans used to finance consumer goods of middle life expectancy (up to five years ) those loans are expected to extend five years or less. Prudent lending calls for installment loans to be half or less of gross family income.

A home loan is logically categorized under real estate loans. As a well maintained home can be expected to have a usable life far beyond 30 years, at the end of a 30 year loan, one would have a valuable asset free of debt. Of significant value is the fact that while the family is paying for the home, it provides shelter for them, thus sparing them the expense of payning rent as a family who was not buying a home would have to do to have shelter.

Experian's process cascades into the banker's ratios showing an out-of-reason installment loan to gross household income ratio, while the real esate loan to gross household income shows to be zero.

This ratio imbalance results in the banker either refusing to raise credit limits and it may well force the family with impeccable payment history to agree to a loan with far higher interest rates than its repayment history warrants.

I recently obtained my credit report on 8/2/11, and found that roughly half of my information has been inaccurate. I have 14 items on my credit report that belong to my father. One of them is a negative collection from a civil suit, the other 13 items are all his and my mother's credit. There are items that date back to 1972, and I was born in 1981. It has many items opened up in the 1990s, when I would have been under the age of 18.

They also have their home mortgage on my credit report when they refinanced last year. I don't own a home and I rent. I have disputed items with them but get nowhere! There are also negative items that are listed twice on my report that I have disputed with nothing happening! I feel as if they have no desire to provide correct reports. My father and I have different social security numbers, and even tell them to check but still get nowhere.

This popup message appeared after I signed in to a secure bank website:

"We want to make you aware of a situation that has occurred that could be related to your personal information. Recently, there was a massive system breach at Epsilon, a third party vendor that supplies marketing services to a number of companies, including Chase, Verizon, Visa, Target, Best Buy, American Express, US Bank and many others. Some files containing personal customer information were compromised. Customer names, email addresses and other account details were exposed. Because of the increased risk of identity theft, we are urging you to do a credit check for any activity that you did not authorize.

To help protect you against this data breach, we have made your credit score available at no charge today, Thursday, July 28, 2011. Please be aware that although your credit score is free, a credit card will be required to validate your identity. Please note: Your updated Credit Score is available for free through Thursday, July 28, 2011. Your credit score is updated on a monthly basis."

This was a lie. They charged me and would not refund my money after I explained the lying message they sent out. They said too bad. I called them at Experian and they adamantly said "too bad". Only after I screamed at them, threatened to go to the press, the FCC, FTC, BBB, etc, would they agree to pay back just $15 because they already paid the other portion to the below mentioned advertising company for the illegal, false, lying, content to entice people to check their credit report.

Convict these criminals. Sanction publicly the Experian company for their unapologetic involvement in these crimes. Do something. How many people have been suckered into this scam? Sharebuilder.com should not have had to pay for this crime. Only because of my excellent status was I given the consideration. Many others won't have this option.

I ordered my credit report and score online from Experian for $1 as they have a limited time offer. I've been trying to cancel the subscription/membership before I get charged $14.95 for each month that I continue my membership.

The problem is that the contact numbers they provide on their website, including the one for questions regarding the their limited offer, are not helpful. They have an answering system that does not provide the consumer with the option to speak with a live representative. I need to cancel my membership. I don't want to be charged for something I'm not going to use on a monthly basis. I took advantage of their limited offer because I wanted to learn what my credit score is.

So, I kept trying different numbers until Amy answered 877-903-2965. I explained to her my situation and she gave me another number to call, 866-673-0140 for customer service. I called that number only to find myself with the same answering system, which offered me different options and when I pressed the applicable option, it didn't recognize it. I tried different options and nothing, it kept repeating itself over and over again and then it said goodbye. So, I called Amy back and asked to talk to her supervisor because I needed help to cancel my membership. She answered in a rude/repugnant way saying that there was no supervisor and she then hung up on me.

I couldn't believe it! I'm very frustrated and very disappointed at Experian's lack of customer service/support. I'm beginning to question their honesty. I'm not sure why they're doing this. By the way, they do not provide the phone number to cancel the membership as part of their offer. They only mention that you can cancel anytime but they don't tell you how. I didn't get a chance to cancel the membership. I don't know how to cancel since they don't answer the phone. That's why I decided to complain about it instead.

Experian keeps charging my Visa $14.95 for a credit report I never requested or received. The first time was on 7/6/11. On 7/11/11 I noticed the charge and both my credit card company and I got on the phone with Experian. They claimed someone had stolen my credit card number and requested a credit report for someone other than me, the cardholder. They said they would reverse the charges and did on 7/12/11. However, there is now another pending charge from Experian for $14.95, which my credit company cannot dispute until the charge goes through.

Through all of this there are no other fraudulent charges. I do not think someone is stealing my card number to get credit reports; If an individual stole my card number they would be purchasing fuel and groceries. I think Experian just randomly charges peoples cards and hopes the customer doesn't see and dispute it. They have everyone's credit card numbers since they "monitor" peoples accounts. It's becoming a massive waste of my time and a huge irritation. Wondering if anyone else is experiencing this.

For several times, I've tried calling; I have sent emails to let them know that there is negative credit on my credit report that isn't mine. I've let them know what it is, and that there are three negative credits. I've also given them the name that the person is using. I obtained the information by calling the places that are on my report (that isn't mine). I've also told them that the last four digits of my social security number had been changed on one report. Also, there are several addresses on there that I've never lived, and I even went as far as to telling them every state I've ever lived in since I was young. I also gave them the names that are on the accounts, and they aren't me.

I've called up the monitoring service. Equifax and TransUnion were given the same information that I gave to Experian. They were able to take care of the matter on their side, but I can't get any results from Experian. It is hurting my credit; I can't get more credits, if I want to. Is there anything that you can do to help me?

A Credit inquiry was made by Rogers Lumber CO., Cassville, MO tele: 417 847-2761 to Experian Credit Bureau on 06/17/11 Concerning my credit rating.

When they received the report it had some item on the report of my son's record. Under other social security number, which is his. He his the same name as I which is James D. Day, but has a II on hgis name. The date of birth 06/09/67 does not match his or miy birth date. My birth date is 06/09/41 and his is 02/18/67. Experian have combined his and my credit record, We have different social security number and addresses. It seems that Experian his merged my son's and my credit records.

I was just so frustrated. My husband signed up to get a credit check, about 3 years ago, because we were looking into purchasing a home and wanted to know what his score looked like. Ever since, we have been charged random amounts of money by "different companies". Every time I called (18772847942), I got a machine or the representative stating that I would need to contact each "company" individually but was not given the numbers to call. It became so bad that we were being charged $12.95 -$24.95, 3-5 times a month. I never knew when it was coming out and even put our account into the negative a few times. Finally, I cancelled the bank account and opened a new one. It has been 4 months and so far so good. I should not have to do that to stop charges. We have lost hundreds of dollars and that hurts, in this tight economy.

I'm writing this for my son. Last month he received 2 identical letters dated 4/22/11 from Experian. It said that a creditor had reported a change of name, address, Social Security Number. We immediately ordered a copy of his report. We found nothing whatsoever in the report. Nothing has changed as they claim. He only has 1 credit card and it's okay. So we wrote a letter asking what this was all about and who was this so called creditor? And since we had put a freeze on the account earlier, did they give out an info? My son put a freeze on his accounts as when he was laid off 2 years ago he applied for unemployment. He had to go through hell and high water when he found out that someone using his info had collected unemployment in California.

There were no answers, so this time I emailed them and the response was, "you don't belong to something Triple?" I immediately told them I emailed Experian not that whatever it is. No response. So just a few minutes ago, we received another email from Triple? at Experian. I responded the same way except that I said since you are Experian, aren't you(?), then you can transfer, forward or whatever to the correct party can't you? So now we wait for how long again? This morning I went to the government site and they told me to go to the FDIC site and make a complaint with them too. These people can make trouble for us when there is none. So, to whom do we complain loudly about them? Transunion is very nice and we always start with them. So now we wait.

I was trying to order a free credit report over the internet. First Equifax wanted to charge me a recurring fee for the service and that has stopped in 12/2010. Then I cancelled a recurring charge with Experian through my bank and this stopped in 12/2010. Now they have started back charging the fee in 2/2011. How can I stop them besides taking all my money from the bank?

After an exhaustive two-day search for any type of contact information for this company, I was finally able to get a contact phone number from the BBB. The BBB has hundreds, if not thousands, of complaints exactly like the issue that I have with this company. The BBB has several hundred more complaints detailing other issues with this company.

They are also known as: CIC Credit Monitor SVC; Consumer Info; Consumer Information; creditmatters.com; homeradar.com; I Place; I Play Innings; and QSpace.com. Things haven't been going quite as well for Consumerinfo.com since the Federal Trade Commission caught up with them. If the FTC has caught up with them, then why are they allowed to just change their name and continue to do business as usual? Doing business under 16 different names should tell anyone that this is nothing but a scam.

I have been monitoring and correcting errors on my credit reports. I had one student loan that was being reported multiple times, sometimes to my favor and sometimes it was derogatory. I couldn't get the credit bureaus to investigate it. Finally, I contacted the ombudsman for the U.S. Department of Eduction. At this time, most of it has been corrected. Then, I decided to check my credit report with Innovis. I discovered that my student loan was being reported twice in that credit report but under a new name, CSLFC. One was derogatory and the other was satisfactory. I had no previous interaction of any kind with this company. I had no clue who they were and why they began reporting a student loan that is paid and in good status. The phone number and address they had was not accurate. It rolled over to Student Loan Services. The address on the credit report was on Bleeker Street in Utica, NY. And their representatives told me they knew nothing of this company.

I contacted the BBB and they had little or no information about this company and it had a rating of D-. The telephone number they had listed was a non-working number. The address was in Irvine, CA which brings me to the next issue. I was looking at the inquiries on my credit report. These were in Irvine, CA with no listed telephone number. When I contacted Innovis, I told the gentleman in customer service that I thought that by having no telephone number and an accurate address, there was little transparency about this company. I told him that I wanted to know who they were and why they had access to my credit report. I received no answer, but they had the two accounts removed from credit report. But now I see that they have been accessing all of my reports. I also told that supervisor in customer service that it looks suspicious that this company is accessing my credit report and taking student loan information and including it on the Innovis report after the loan was correctly updated.

It appears that they are taking, buying this information, and trying to collect on them. However, I can't say that with a fact. But I have seen other complaints by consumers stating that this company and student loans are showing up on their report in the recent past. Now it appears that Consumerinfo.com is CSFLC or affiliated with them. I feel that they should be highly scrutinized and that their business practices could be suspect. Consumers should be aware. I would contact all the credit bureaus and complain about this company having access to your credit report, especially since their contact information is incorrect or outdated or nonexistent.

I have no credit and no credit score. I have contacted Experian numerous times; I contacted my creditors, who stated that they have reported my accounts. I have disputed them more than once. I am 33 years old; I have no credit and even bad credit to show! No one is willing to help me. Experian stated that all my creditors are not entering the information correctly. This is more than emotionally draining. I purchased a condominium unit, and I could have received a better interest rate. I am now trying to purchase a car; however, about 90 percent of companies run only Experian. Now I am unable to purchase a $10,000 car!

I have been trying to have an inaccurate report changed by Experian. They refused. I sent them a "State of Indiana" Department of Revenue letter from the Indiana Government Center North located at 100 N. Senate Avenue in Indianapolis, Indiana. It states that I paid off that particular debt in 1992 and then because it took a second time to pay the state of Indiana off for the same darn bill, there is a second payoff in 1994 for the same state tax bill that is listed on my Experian credit report.

The state of Indiana finally admitted that they were wrong in the fact that I hadn't paid the debt in 1992 but refused to give me back the second "payoff" of 1994, stating that they don't do that! So, not only did I get hosed by the State of Indiana, now my credit is being hosed by Experian. I sent the letter from John **, Commissioner - Indiana Department of Revenue, but Experian stated that the letter isn't proof of satisfaction of the debt and so it will not be removed from my credit report, not to mention that the debt is 18 years old! So what the ** can one person do? Experian says that I have to buy a credit report to continue resolving the problem! Can you help?

After I bought my minor son a cell phone, he started to get calls from someone looking for Mr. **. We informed the collectors that the number was now owned by a minor and that Mr. ** no longer owns it. The calls stopped but then started up again because Experian is giving out my son's phone number as Mr. **'s. I have contacted Experian about the issue and the Indiana Attorney General. Experian refuses to record that the phone number was abandoned by Mr. **. My son should not have to face seven years of harassment from debt collectors looking for someone else because Experian is too malicious to document that the phone number is abandoned.

Experian has mistakenly updated an address change to all my credit card companies to my daughter's address in Ohio. All the companies I contacted to corrected the information and told me that it was done by the post office. That was not the case. I finally found out that it was done by Experian and they are impossible to contact. They did not have authorization and no one contacted me to verify the change, not Experian and not any of the companies. It was just done and has caused me now five months of problems.

Just a total scam. I usually catch fine print but I didn't this time apparently. Absolutely unethical. They charge you $14-25 when you think you are paying $1.00. Make it way too easy to be tricked.

On November 13, 2010 I decided to check my credit score, due to a lot of emails telling me, my credit report has changed. This website offered me one 24-hour access for $1.00. I accepted, and they gave me a Membership ID #**.

On November 25, my account was charged for $14.95 that I did not authorize. After placing the dispute, my bank told me I have to contact Experian. Experian said they will not refund me, because I accepted terms & conditions. There they hide a condition that I have to cancel the membership with them and I will not be refunded. This is a scam, because, they never showed me that condition.

I ordered credit report through Experian. Navigated through the process without too much difficulty. They were promoting $1 offer with services to follow. I paid the $7.95 for the credit report which was the price I agreed to. I didn't see anything through the process that committed me to an obvious trial period regardless with FreeCreditReport.com. I was trying to avoid any promotions and I specifically attempted not to sign up with anything to do with FreeCreditReport.com because of items I've read about their deceptive practices.

I noticed charges from my bank account recently from that company, FCR.com, regularly taken out monthly $14.95, $44.85 total. I contacted the company and after an irritating 30 minutes on the phone with Bryan, the representative, I was not allowed to speak with anyone else in authority regarding my situation. He would not give me the name of his supervisor/manager. He said he was speaking with and directly denied me to speak with him/her. He did say they would refund $29.90 and cancel the service. He advised me he could do no more.

I was still charged $14.95. After calling back and speaking with another phone rep, Jake, about the original offer time frame. I asked about the customers access to the managers or direct supervisors and was told essentially that they pick and choose who gets to speak with one of them and I was not selected. If I wanted their service, I would contact them and ask for it. Add another to the list of FCR.com complaints.

I paid Experian $1.00 plus $24.95 to see all (3) of my credit reports. 12 days later, I cancelled, so that I would not be charged again. I didn't need to see my credit report again. I received an e-mail on day 29 after I first joined/paid Experian. The Experian e-mail was a confirmation of my membership cancellation. Two days later, I noticed on my on-line bank account, Experian had hit my Visa bank card for another $24.95. I never authorized that charge! This is nothing short of bank fraud! I contacted my Bank and they weren't much help! Never, never, never "trust" Experian. Do not give them your credit card number for any reason. I had to cancel my Bank Card, to be sure Experian wouldn't hit my Visa bank card again. These people are nothing but scam artists!

I tried calling this company but there is no access to a live customer assistant so I tried to contact them on the Web site. After I had signed up for the service, the Web site would not allow any way to continue. They have my information and I do not have any more access than I got with the phone--and I have essentially paid for nothing. They said that I would be billed so much per month when all I wanted was a one-time credit report. The deal was that I could cancel but there is no avenue to do that. Getting back on the site merely gets the same page and is only for signing up for more. This is a company that has the power to prevent me from doing business, take my money and then leave me with without the information I paid for and no way to cancel. This should not be tolerated in online commerce.

A background check was done through Experian which included someone other then myself. I tried to contact them through the website and the stupid automated system. No results! I looked further and got a phone number to the corporate office. Here is the number for people who can't contact someone, 1-714-830-7000. Hope this helps everyone who has to deal with this poor excuse of a company.

I went to the Experian web site to purchase the credit reports and scores for my wife and myself. At the top of the home page in a large font it says "What's your credit score? Find out now for $1." Then it says in a red box "Limited Time Offer! Get your Experian Credit Score and Report for $1!" There is then a button to click that says "Get your credit report and score." I clicked on this button, filled out a few pages of information and purchase the reports for myself. I purchased a three bureau report for myself which was an additional 24.95.

For my wife, I just bought the 1 score for a dollar. When I checked my credit card statement this week, there were 2 additional charges of 14.95 each on my credit card from freecreditreport.com. I did not conduct any business with freecreditreport.com. So I called Experian, however I was not able to get through to a person. Their system will not let you talk to a person unless you have a report number. I did not have my report number so I could not contact anyone. I went through my email and found the receipt from when I purchased the credit scores and there was a different number on there. I called that number and found out that Experian, without any notice to the user, gives your business to freecreditreport.com.

When you purchase the credit report from the Experian web site, they actually turn the purchase over to freecreditreport.com without notifying the customer though the entire time the URL still says Experian. Freecreditreport.com then signs you up for credit monitoring for 14.95 a month even though you started out just purchasing your credit report for $1. I asked the person on the phone from freecreditreport.com when they tell you this on the web site. He said it is on the home page of Experian. I went to the home page with him on the phone. He said I had to scroll down and look on the left. As you can see, the home page of Experian had the large font at the top as I stated earlier advertising purchasing your report for only $1. The rest of the site has black text with a white background. If you scroll down a little there is a blue box with blue font that mentions that you are being signed up for credit monitoring. It is obvious they are intentionally trying to hide this text.

3. When I called, they refused to refund my money. I had to scream and yell and threaten file a complaint and then they complied.I still filed a complaint with the FTC because this is clearly a scam to get people to purchase a membership they do not want. And Experian needs to become transparent about pushing their customers to freecreditreport.com and that they are buying a membership and not a credit report.

I wrote a complaint letter months ago to dispute two accounts on my Experian credit report and they refused to re-investigate. I disputed an account that is too old to be on the report and one account that is incorrect. They refused to re-investigate and delete that incorrect information in my report. Report number ** is one of the reports that I have requested from Experian, but I have been trying to dispute this for over a year and they don't follow the Fair Credit Reporting Act rules.

The economic damage is that I cannot get a loan to purchase a home. The interest rates on my credit cards are high. Because I could not get a loan from my own bank because of their report, I had to go to a payday loan office and pay 400%. The fees continue to pile up. Beware of this company and their website. They gobble your information and assault you with your information that you are required to give to file a complaint.

For example this year alone. I purchased my credit scores on 3-3-10, 9-21-10, and 10-25-10 and every single time I look, my scores are different. I do not care who sees this as I am frustrated with the credit industry. I will list my issues below and credit scores by date below.

I cannot even get a credit card (other than my CapitalOne high interest useless card). I cannot get even a lower interest rate (which is at a ridiculous 29.9%). I cannot get refinanced on my mortgage, which is an alright 6.375%. I cannot get a car loan. This has put me and my life in a nightmare situation all due to the credit reporting agencies, and the ridiculous way they report. I have sent them numerous disputes, and got nowhere! I would absolutely love to provide any and all information to any attorney that will be able to rectify this issue for me. If you need to contact me please feel free to do so.

Over the course of 7 months, my credit score has increased to 711 and decreased to 659 about three times. Back and forth, etc. An old student loan that was inaccurate kept appearing and disappearing from my report. My comments from March of 2010 have pretty much remained the same. My score keeps improving and getting worse such that I have had to sign up for constant monitoring of my credit score to ensure that this stops.

Paying $14.95 in monthly debits from my card have not helped me and is an expensive price to pay to keep my credit in good standing. It doesn't change the fact that I continue to have to deal with things that were once removed and are put back on my report at any moment's notice. This is extremely frustrating. In addition, when I thought I was purchasing a one-month report, I found out the website had placed the purchase button for the 3 score report in front of the one-month report and I ended up being charged $24.95. This happened several times this year.

Since I complained here on this website, my account is now on "Special Status" at Experian and every time I call them, the customer service representatives refuse to speak with me and I get immediately transferred to a special person who has been designated to handle my account. In many cases I get a voicemail. This is unbelievable. Wall Street shareholders who own Capital One, HSBC etc., who charge consumers 30% interest rates for bad credit scores, are obviously benefiting from these inaccuracies. We, the consumers are the prey for their financial shenanigans.

I suggest we contact Elizabeth Warren at the White House who is now in charge of consumer affairs and heading up US financial services reform. I think she would be very interested in hearing the plight of all of the people who have written on this board.

Tried to run credit report with Experia but could not online. Said my info did not match what was in the system. Could not find a phone # or a real person that could help. Had to apply by mail. Ran a report with free score and found three incidents only reported by Experia after checking out the sources it's not me.

I requested for a credit freeze and sent all information required. I sent it by certified mail, as requested. I received a letter stating the request was honored. A week later, I received a letter stating they couldn't honor because the info needed was not received by them. There is no way to contact this company, by mail, phone or internet. I need this security freeze as identity theft was experienced.

I've experienced some of the same issues with Experian that have been reported by others here. And I can't find a mailing address for them. I filed a complaint with the Federal Trade Commission and encourage others to do so. Hopefully, Experian will be investigated if there are enough consumer complaints. Go to ** and on top "Quick Finder" section, click on Consumer Complaint. The FTC multiple choice tool is really easy to use.

My credit union (Visions fcu) informed me that there was another SS number attached to my history that I am unfamiliar with. I was instructed to call Experian and inform them of situation. I don't have a number that they require attached to this case in order to be able to speak to a person and the CU doesn't have one either. I have no idea how to proceed.

I went onto experian.com to obtain my free credit report for myself and my husband on Aug 2. I believe I was fraudulently lured on their home page where it states "Get your credit report and score for $1" where I clicked on that and was directed to another page to proceed. I believed that this was where I was supposed to go. I was subsequently charged a Months Usage of 2x $14.95 on Aug 12 (which I just saw today Aug 13).

Today I went to the home page and discovered in light blue print and lower placement (not in the huge box; where it is in Big and Colored print, "Get Your Credit Report and Score") the "important information" of where they explain how this is a trial membership and you will be billed. I just called to cancel which they did. I was duped.

I am out 2x $14.95 charge of $29.90.

Inaccuracies appearing on the credit report are almost impossible to resolve since they "blame" it on the Credit Bureau, an entity that no one can contact directly to resolve issues. When trying to correct errors with experian.com the results are disastrous, leading to even lower credit score! Example: real estate mortgage which is still being paid for since 2005 is being reported as "discharged thru bankruptcy" this being one of the most damaging items to anyone's credit report.

Another example, we have moved to Las Vegas in 2005 and today they were still having my NYC address in their database as "current address," while my husband's last employer appears the one in NYC, after 5 years of working in Las Vegas. The process to work with them in correcting errors is impossible to pursue since customer service is professionally impotent and totally impersonal, even though polite. Potentially damaging credit score which can affect my financial future and professional status.

I continue to get scammed by this fraudulent operation. Can anyone tell me how to definitively get out of this never ending cycle (i.e., need to have a credit report number to cancel; need to pay $14.95 per month to get one, etc)

I have disputed an inaccurate listing (public record) on my credit report. I obtained a copy of the item from the SD Court and disputed the item they have shown as there are multiple inaccuracies. Over the past 12 months they have claimed to verify the item as accurate, or just outright ignore my certified letters. I have attempted to contact via phone but find it very difficult to speak with anyone. I have proof this item is wrong and they will not accept my court-produced documents. Due to this being a public record, there is nowhere else to dispute and the court acknowledges that they do not provide any information to the credit reporting agencies; unfavorable interest rates, denied loan applications, etc.

Experian claims they are a world of insight! I had the same judgment filed twice in 2004 and was satisfied in 2007. I have disputed 3 times the fact that it was duplicated and they keep posting as a judgment. Forget trying to talk with someone as their answering machine is on all the time. I have called the attorney that duplicated this information. They told me to just dispute it with the letter that they provided me. Great! I can't get it off of my credit report consequently, making my score low and my report look bad. I am trying to refinance my home and the bank wants this off of my report. Can someone tell me what more to do?

Experian are crooks and extortionist, plan and simple. Now, that my opinion is out of the way here are the fact as they relate to me and this compliant. I went to Experian to get my report after I was declined for a pre-approved credit card. I did not want a free one as I was entitled after the credit rejection. I was willing to pay the $10.00 for the report, but I could not get the report because they said online that I was enrolled in credit alerts with them, this credit alert I tried and canceled with them 2 years ago. I try and call them and got the same thing others here have gotten. I could not get a customer service rep unless I had a credit report number from them.

So, I want back online and did some research to get a free report from them since I was in the first 60 days since my report check and declined credit, and what I found was interesting, and was all ready brought against Experian in 2005 by the Fed's for misleading and deceptive practices on their website.

FAQ's Q: "To confirm your eligibility and request your free or discounted copy of your credit report delivered by U.S. mail, please call 1 866. If you would like immediate online access to your Experian credit report and score for only $14.95, order now, which I could not get any way because of something they still had me on that I canceled 2 years ago. Another thing, my credit score with Experian also drops mysteriously even though I am never late, my balances get paid off, and no negative information has gotten on my report in years and while Equifax and Transunion keep going up.

The other mysterious thing I have been noticing is that when I apply for a credit card, it is being check now primarily from Experian and Equifax, when before it was check primarily with Transunion. Experian and Equifax, I heard, are now in bed together. Lastly, I subscribe to Life Lock, a great ID protection agency. Well, a few months ago I found out that Experian took Life Lock to court and Experian won, presumably because of who they paid and paid off. Then, I see a commercial for Experian offering services just like Life Lock. Experian just spent the money and took Life Lock to court just to level the marketing playing field and I lost a service for Life Lock which I really liked.

This company stinks and stinks bad. In 2005, they already had been sued for deceptive practices. These people are vile, and vile is not to strong a word for all I know about Experian and I do not know much in relatively. I would appreciate if a lawyer would contact me. If for the only purpose of disputing obviously wrong information on my last Experian report that Experian would not correct. I am being denied credit because Experian is not following the credit laws and interfering with my personal right to obtain credit from a accurate and truthful credit report.

I have had an account with Freecreditreport.com (Experian) for a number of years. I use them to monitor all 3 of my credit reports. My loan broker and Credco pulled my report on 7/7/10 and the 3 scores are much lower then what is shown to me on my Experian online account. Pulled report Experian: 715, Online: 736, TransUnion: pulled: 773, online: 762, Equifax pulled: 687, online: 732. These online number reflect a 7/2/10 update. I called Experian to ask why. I was given a boiler plate response, "Lenders use several different models to determine your credit number." I advised them yes, but they all obtain the information from the credit bureaus for their models. I was transferred 3 times and received the same answer.

Finally, Connie in National Consumer department transferred me to a voice mail of a person name Daniel. I left a message and I'm waiting for a call back. Credco uses the information from the credit bureaus for their credit model. Because of the lower credit scores reporting to them by Experian, Transunion and Equifax, I am getting a lower Credco score. My home loan interest rate is favoring the 5.3% instead of a 4.8%, costing me thousands of dollars in the long run. I do not understand why the online report (that I pay Experian to obtain) reflects a much higher credit score than the reports that are pulled by lenders.

My credit score with Experian is continuing to decline in spite of the fact that my bills are paid on time and I have never missed a payment. There is nothing derogatory in my report that I can see that would cause my score to drop. My scores with Equifax and Transunion are rising, so why the difference? I called to speak with someone, and was told that I had to order my report for a fee before they would talk to me. It appears that this is an attempt to extort money from me, and I am sure others, to get this corrected. It seems as though they are lowering my score to get my attention.

I am having problems with my credit report with Experian credit reporting agency. I have sent them the document to support my case, and each time I review my report, the same incorrect information is still showing up in my report. When you try to call them, you never can get them. I am really disgusted with Experian. I would appreciate any help I can get. I just don't know what else to do.

They refuse to delete information on my account that is over ten years old. First, they said it had to be ten years from the first missed payment. I informed her that it had been. She then said that I had a missed payment ten years ago, but then I made an one-time payment so the clock resets? Also, I have paid collection accounts that are ten years old but they will not remove. Seven years since bankruptcy and my score is low. It has not raised since then even though no late payments or collections for over 2 years.

My credit report shows no late payments for several years, only 1 credit card open-owing less than $700. I had a medical bill on there, which I thought was the cause for my low score of 600! I paid off the bill as well as paid down my 1 credit card. My score did not move even 1 point! No bankruptcies, no judgements, and no late payments. Yet, they cannot tell my why my score is low.

I am refused loans, a job and cannot refinance even though my report shows no late payments. My score is low and no one wants to deal with me!

I recived a letter today telling me there was a potentially negative item on my credit report and that I could contact them for a free copy of my personal credit report. Thank you so much for taking the time to report your experiences. I will be shredding this! Thank You.

If they are selling names, does this lower their legitimacy and even more so, is it a breach of confidentiality concerning my private information? Everything I have read, cautions using these types of agencies to lessen debt. Again if that is correct, I am more concerned about how they got this informtion. A lower credit score or rating of my credit worthiness is damaging in and of itself so if this agency is giving out information for financial gain, how can they be considered reputable sources of such sensitive information?

i sent out letters of dispute to all 3 credit bureaus. i rcv'd a response from equifax and transunion where i was able to also check on the status of my disputes online. i am trying to do the same with experian only to find out there is no way possible to follow up on a dispute or talk to a live person. i have been on the phone for 3 hrs today speaking with different people in different offices, one in california and the other in illinois, only to find out that they keep giving you phone numbers that direct you back to the same recording which asks 3 questions of which have nothing to do with following up on disputes.because of this i am held up in getting my loan with liberty unsecure.

i would like someone to tell me why are we working with a company which is based out of the country in which we have to give our personal information.first of all, only in the USA do we have to have credit scores and taxes. i fail to see why we are giving this info to a different country where they can use our personal information as they wish. there is nothing free about free credit search with experian and we are paying a bunch of people american money so they dont have to work. can someone give me a phone number that has a live person on the other side with experian in the dispute dept. i can guarantee you if you call the numbers they give, you too will be on the phone for the rest of the day listening to a computer oh which by the way does not recognize audio responses either even though it gives you that option

This company deliberately and neglectfully alters the credit score to reflect a negative score even though only positive matters and on time payments have occurred. They do this to continue to cause consumers to need to purchase their service. This is a fraudulent and misleading way to do business and they need to be legally held liable for committing fraud in their misuse of the Fair Issacs reporting system. They are unwilling and unable to explain to me why my score dropped by 23 points rather than increase. As well this score is 84 points lower that my Transunion score. The irregular nature in which they report is criminal and they need to be shut down once an for all.

Yes, I got online and only wanted to check my credit reports out, not the credit score. I got charged on my VISA debit card for $24.95 and these people will not give me my money back. Then, they said they used on my husband. He used it but only was charged a dollar so they scam people. I like to have my money back. They are refusing to get a hold or fax the VISA debit company and so there was an error. I swear I will sue if I have to in my state and county. The courts here don't play. They will get sued for this, looking at a possible felony on this one on their part. It depends on what the judge will do and this is not the only company that has done that I will file another. But this is ridiculous on their part. It's supposed to be free, not pay $25.00 to check a simple credit report.

On 4/08/10 I ordered the 3 in1 credit report from Experian for $24.95, a one-time payment, and had it billed to my credit card. Nine days later I was billed another $14.95 by Experian. I called my credit card company to question the charge and explained to them that I did order the initial credit report but did not agree to anything that justified the second charge. They advised me to call Experian to first try to resolve this matter.

Taking their advice I spoke with a rep. from Experian. She told me that the 3 in 1 report did not include Experian's report but only Trans-union and Equifax, that in order to include Experian I was signed up for a "free" 7-day membership that if not canceled by the 7th day a $14.95 charge would post to the credit card I used. I explained to her that at no time during the ordering process did I read or agree to anything of the sort that I believe this to be a misleading and fraudulent. She continuously apologized only to follow it up with a "sorry we can't refund." I then told her to cancel my "membership."

She agreed but said that she still could not refund the $14.95 that instead they would give me 3 "free" months of membership then cancel. I replied with this, "No you will cancel me now and refund my money because my next call will be to the fraud and security dept. of my credit card company." Without skipping a beat she said, "Ok, sir, we will refund the $14.95 to your account." In total disbelief I paused and then asked her why just a minute ago did you tell me that refunds can't be made but now all the sudden you can? She told me that it was because I was getting irate. Not once did I yell or swear although I certainly was frustrated. I suggested she go back, listen to the recording and see if she could tell the difference between the two. I'm sick of big business treating people as if were at there mercy and even more so when they get away with it. Talk about organized crime.

I am extremely suspicious that my Experian score dropped by 60 points because I stopped payment for the FreeCreditReport.com service which is owned and operated by Experian. I was using the FreeCreditReport.com service, and I was paying the $14.95 per month fee, and my Experian credit score, the one included with the subscription, was 738.

It remained there within a point or two of that for about 6 months. Then I cancelled the service three months ago. Since then I have had no new credit inquiries, no late payments, nothing has really changed except for my installment based lines going down due to payments. But when I got my three credit scores from a competing site, my Experian credit score was down to 678. A review of the credit report showed no late payments, new inquiries, or anything else weird going on.

I put a freeze on my credit for fraud prevention. I am currently working with Bank of America to secure a home loan and need to unfreeze the Experian credit freeze. This is is turning into a nightmare. I requested a 30 day unfreeze online, nothing has changed. I can't get financing until this is cleared. The software the broker is using doesn't have an option to enter a PIN (temporary, one time use PIN to access the credit information) I'm contacting Experian to find out what is going on is futile. I am almost to the point where I just want to drive to their office in Costa Mesa and maybe can actually get someone to help. If a company offers a service, they had better ** well offer support. I am just saying. This is ridiculous.

I have two items on my credit report that I have provided proof that they are in error. The creditors wrote Experian letters explaining that they are in error. I have called Experian four different times and mailed them the proof and creditors' letters three times. I have been trying to call them again and I'm placed oh hold for 20 minutes each. Experian is refusing to discuss the issue with me. This is having a negative impact on my credit report and is preventing me from obtaining a student loan for my daughter's.

I am a victim of fraud, my SSI number was stolen and they took it to Indiana (where I have never lived). What I am unable to clean up is the record on Experian of public record of county tax lien. The county of origin released them last May; the other reporting agencies removed them. I spoke with Experian today and they stated I need a letter from a court stating they are fraud, before they will remove them my records. Whatever your organization can do is much appreciated. Thank you very much. My credit score is 50 points less with Experian and I am trying to clean up the fraud.

I had just found out that somewhere in MN, my federal student loan information had been stolen and that I was required to login to the Experian website for a "free" 12 month trial. To my astonishment, the website was advising me of entering credit card information and a charge. Reading this website has only furthered my concerns about not calling and dealing with this non-sense. To all those that have had a hard time reaching Experian, the letter did do one thing, it gave us a phone number to reach a representative.

I wanted to retrieve a credit report from Experian in order to enter a dispute with the inaccuracies in my 3-in-1 credit report. Both Equifax and TransUnion have already resolved the disputes and corrected the inaccuracies, at no charge. Experian charges $1 plus $14.95 a month for credit monitoring if you don't cancel within 7 days. My hunch is right when I googled Experian and found this complaint site here. I will not pursue paying Experian $1 just to get the credit report. I plan to take this matter to the Feds and go from there.

I had a credit score of 727 as of March 15, 2010. Less than a week later, I checked my credit score again and it was now 589. Four items that had previously been removed are now back on my report. I went around and around with Experian and they said even though some scores had not been updated since 2008, they still believed them to be valid. I knew them all to be removed as of 4/2008. They maintained these were my late marks. I spent countless hours getting this information removed. Now, I have to start from the beginning again. Experian is not to be trusted.

I attempted to order a credit score from Experian along with my free annual credit report. Twice I put in my credit card number and was directed to a page to answer 4 questions which I answered and then received the screen saying the page was not found. I found a technical support number through this site (could not be found on Experian site) and they wouldn't even check to see if it was a problem with their webpage so I know what happened with my credit card information.

I have not been able to get a free credit report from Experian since 2007 because of their inept system. It is very frustrating because Experian is so inept at providing a service that they are by law required to.

On 2/2/10, I wanted my free credit report on my computer. I typed in Experian free-credit report and up popped Experian direct. I got one credit report, but they don't tell you that they are charging you $14.99 and then they keep charging it. I was charged on my credit card 2 times. I sent emails and more emails. I couldn't find their phone number. (They don't give it to you, I found it on a complaint site.) They said they would not return my money and I told them they were thieves and fraudulent in their action.

I only make from social security $880.00 and that's all I have. I rent a room, storage, gas, and not much left for food, and a credit report agency steals $30.00 from me and that food since my rent is $700.00. What can I do?

I paid Experian $1 to get a free credit report. After they had my card number, they started charging my credit card with multiple charges. Within a matter of a month, I got an email saying my credit has changed. I clicked and got charged $24.95 under info.freecreditreport. I never authorized this payment. Then I got charged ProtectMyID.com $12.95 again. I called to complain and the customer service reps at Experian were so cold. Never use Experian!

2) It has been emotionally troubling to find out that a company that prides itself in protecting your credit, in fact scams people and cheats money from you.

I ordered my "free" credit report Jan.11, 2010 from the internet site "free credit report.com". I did receive the Trans Union and Equifax report, but not the Experian. When I inquired, the site stated that it was requested and that I received it. The problem is that I never received it. I wrote to the address given and they sent 2 computer-generated letters saying that I am not entitled to "another one".

Also, the letter stated that I did not give them enough information to prove that it was me who ordered it. I sent a letter giving my particulars and no reply. All I'm requesting is that I be given a phone number to a live person so that I may truly receive my "free" credit report from Experian and stop being prompted to go to the internet, which gives me no help. Also, the internet site constantly asks a fee for a 'free' credit report, which seems ridiculous to me.

I have been trying to modify my mortgage to make it more affordable. Wachovia (1-866-290-8954) states that my credit report gives a negative review of my credit history, making it impossible to get a fair resolution. I simply need to get this straightened out so that I may proceed with a modification, or I may need some legal assistance which I simply can't afford. I am retired on a fixed monthly income. Wachovia states that they cannot help me lower the interest nor the payment at this time. I do not want to go into foreclosure. I have never missed a payment, nor have I ever been late in 10 years.

Years ago I had a fraud alert placed on my credit report (not by choice) by the 3 reporting services, Experian, Equifax and TransUnion. It has now become impossible for me to get a credit card because the services (mainly Experian) will not allow the companies to access my information. Some companies just asked me some personal questions to confirm my personal information and bypass this roadblock. However, banks (like Chase) presently stop the application process as soon as they run into the credit access block.

As a result I decided to remove the credit card fraud alert from my account. TransUnion did it expeditiously on the phone and it was done. Equifax asked for a form with personal information on it. Two weeks after I submitted what they asked for, I called and asked about my request status. They added another request which was for a copy of my SS number. They then told me it would be over a month after they received the SS number before they could remove the fraud alert. Excessive time in my opinion, considering TransUnion could do it immediately.

But the biggest problem of all has been with Experian. Their phone system will not allow you to talk to anyone unless you request a credit report first and then have a number they can reference. Of course, you need to give them a credit card number for them to keep in case you forget about the 7-day free credit report trial. After that you are automatically billed each month for $14.95. What a scam. I only want to remove the fraud alert which can be done very easily. Reading complaints about Experian on the Internet is enough to convince me to never give these people my credit card number. Ironic, isn't it?

According to the complaints, it seems they keep billing you and will not stop until you eventually need to seek legal help to stop this from continuing. I am not going on that list no matter what. So, my predicament is this. I just want Experian to remove the fraud alert, but by doing so, may expose myself to Experian fraud, something I won't do. My credit card application is in limbo with Chase because they cannot access the necessary information to complete the process. This will happen with any credit card I try to signup for if Experian is the credit service. Help.

I divorced in 11/2003. My spouse was awarded the home in the divorce settlement. In 9/2004, I discovered he had not made payment since 12/2003. I filed for Chapter 13 and discharged Chapter 7 in 2007. They have that and they began foreclosing in 2007 on my report I requested them to remove it like the other credit bureaus and they have refused and I have document proof.

Today I needed a credit report. In order to get the "free" report, I signed up for a seven-day trial of "Triple Advantage" and used my debit card. I have seven days to cancel with no charge and I have attempted to do so; it seems there is really no way to find this "product" or any way to contact a live person to discuss the problem. As stated by another party, the automated system requires a report number, which is not included on my report anywhere I can find. I have been unable cancel as of yet, so they plan to charge me $24.95, $14 plus a month to monitor, and God only knows what else is included in this scam. It says 24-hour toll free support is available, but they give you no means to access it other than the automated system. The "contact us" icon seems to be "broken" on the website. What a bunch of lies. What agency do we complain to?

My husband and I froze all of our credit about 2 years ago to be protected from identity theft. We unfroze all of our credit 12/29/09 in order to refinance our home. All went well except my Experian. We have been attempting to refinance and cannot get approved because Experian cannot resolve this issue. The 3rd party agencies that mortgage companies use to pull your credit cannot get my report from Experian. Experian has provided me with a letter stating that my credit is not frozen. However, we have gone to 2 different mortgage brokers that have had their 3rd party company attempt to pull my Experian report.

There are calls where they gladly take your money from you, never receive what you paid for. I am no attorney but think it is illegal to take money for something that is never delivered.

There are calls where you are talked "down to" by the person on the other line. Generally they are from another country and have no idea of what you are speaking about. Today I called for the fourth time and was asked my credit card number so they could charge me again (for the fourth time in 2 months) have now had it. This company is a deplorable. Yet banks and lending institutions go by your score from these bunch of buffoons? What kind of people are these folks?

We are the people. As We the people, we also have rights. Our government has given these 3 major reporting companies entirely too much power. They have the power in their hands to destroy a person's life and they will not hesitate to do it. We the people, this is our credit and we the people should have the right to know who "taps" into our credit account for information. We the people should be able to access and view our account without having to pay monthly, weekly or even one time charges each time. The scumbags who view your/mine and ours credit (at no charge) know more information about our credit than we who own it do. We the people should not have to "question/interrogate and prove than the negative complaint on our credit record is not ours.

The business who put the negative account on our record in the first place should have to prove accountability for their actions and should be reprimanded for erroneous actions that provide disastrous consequences to one's credit. The way it now is we have to prove the account does not belong to us. Why? The only thing that happens is the scumbag company comes back and tells the credit bureau that the account is legitimate and it goes back on your record for 2-4-6-8 years. The credit bureau takes their word for the illegitimate debt. Not your word! It's your credit!! You should have the right for the erroneous and illegitimate debt/charge not to go on your credit report in the first place!

The 2-year illegitimate account is then sold after 2 years to another scumbag who turns the same account in as new (that has been on your account for 2 years already) and so forth and so forth. There is one illegitimate account that has been on our credit bureau file at Equifax for the past 16 years. The same bill. As soon as we protested, the account was sold to another scumbag who turned it in as new. On and on it goes. Most all these credit and collection scumbags work under more than one name.

They have several names to where as soon as you protest one account under that name, they change over to one of their other bogus agency names. One of the best scams is the ones where the scumbag attorney (who most likely has lost his license in your state or not licensed in your state) sends his demand letter so his letter will present fear and make people pay and it works sometimes. I urge you to look up this so-called attorney to see if they are licensed in your state and/or/if which state their license has been revoked.

Almost every constitutional right you were sworn to have is violated by this credit bureau along with the other two bureaus. They, the 3 major credit reporting bureaus are, by allowing a listing of an illegitimate charge against you and allowing unwarranted searches of your personal credit history, are not allowing you due process to prove you do not owe the illegitimate charge, therefore not allowing you due process. Your credit report is your personal file and shall not be taken for public use.

People wonder why they cannot obtain loans and when they see their credit and find unauthorized issues they never knew was there. From then on, they are scammed, conned, robbed and lied to.

Face the fact folks: Credit bureaus (TransUnion, Experian, Equifax (CSC) make more money off bad credit than they do off good credit. It is in their best interest to keep people's credit bad. That is their motive. Pure greed! Until we can get the federal government to enforce the laws, they made and/or until we can get our federal laws changed to help us. We will see it get worse unless there are people who are willing to stand up, fight against them and change the way they do their shady business!

Stand up and fight! Do not allow TransUnion, Equifax or Experian to continue to destroy and damage your reputation and character. They have to be stopped!

I printed out a free credit report, but it did not have a report number on it. I called their main telephone number at 888-397-3742. It is an automated system. I wanted to file a dispute using their automated system but it asked for a report number which I did not have. Since I did not have a credit report number, I could not file a dispute. The same thing happens when trying to file a dispute online via their website Expedia.com. I did an online search for any other telephone numbers that I could call to speak with an actual person instead of a computer. I found their technical support line at 800-854-7201. The person told me that since my question was about my personal credit report, I would have to call the main telephone number. I told him that I needed a credit report number in order to file a dispute over the telephone.

He understood my predicament but said that there is nothing that he can do about it. He told me to leave a voice message by calling the main number. I asked him how to get to the voice mail system. He tried to access it himself but could not find it, and he is from technical support. If technical support cannot find it, how do you expect customers to find it? He said that he has already received a handful of calls regarding this same issue. In other words, some people have received credit report numbers while others have not.

I told him that there must be some type of bug on the online system. He said that their technical support service is not connected to the technical support service overseeing the main telephone number voice operating system or even the main website. I told him that this does not make any sense and he agreed. What is the point of having a technical support service that is not connected to everything? How can they help anybody? It truly does not make any sense.

I left them my contact information, and hopefully, I will hear from them soon. From my experience with this company so far, there needs to be a complete overhaul of their customer and technical support services. The problem is that this company is a bureaucracy that has little if any interest in providing better services to its clients. Since there are only three major credit bureaus in the United States, there is hardly any competition out there. That is why if feel that the government needs to step in in order to make sure that they are providing fair and prompt services to their clients. Otherwise, this will go on forever. Thank you.

I recently checked my debit card bank statements, which I should have been checking for over a year, and noticed a charge of $14.95 that was happening once per month for over a year now. I did a search online and found out that it was Experian Direct (there are hundreds of complaints about this online). I went to my bank & asked to block the transaction. They told me it cannot be blocked, because the company was charging it through my ATM Debit card and not through the account itself. I had to cancel my card and re-issue a new checking account.

I have never signed up for a subscription & never went online for a free credit report ever. I sent an email out today to Experian & got an automated email back saying to refer to their FAQ page. I have no idea how they got access to my account information. The complaints online all said that the number itself doesn't work. I am trying to get records from my bank prior to 2009, but so far I have been charged $179.40. How can this be solved?

Under both the Bank of America Privacy Assist product and Experian's 3n1 product my credit score is reported anywhere from 10 to 100+ points above what the lenders I've approached for a mortgage are receiving. These products as well as every other credit monitoring report product advertises. I cannot get a mortgage because of (1) low credit score--at least the one the lenders see and (2) too many inquiries. Well, duh, how else can I get an accurate score? I entered into a contract to purchase a house in November based on the BoA Privacy Assist scores and they will not give me a mortgage and I've been banking with them for years.

All my debts were paid off in April of 2009 including a credit card with them. Yes, there were delinquencies and some medical collections, all taken care of and never to be repeated. Any bank I approach says they cannot use the report from BoA Privacy Assist but must make their own inquiry. Another hit on ye old inquiry tally and a ding on the score. I am trying to build a record as I really think the industry is either lying/falsely advertising their products and/or are discriminating against low-middle income people through false credit scores.

I have two things on my credit report that were taken off once and then put back on. I have disputed this and they do nothing but re-verify. Also they have changed the off date on one of the other items. Twice now it was supposed to be off in October of 2009. Now it has changed to February 14, 2010. This is against the law. I have disputed that and they also just verify but don't take these off. Please help. This has stopped me from buying a house or a vehicle.

I ordered a credit report in 08/2009. I agreed to pay a one-time fee. Since that month, I have been charged monthly $14.95 for credit monitoring. I called back and talked to Experian representative and manager. They explained to me what happened and how I got charged $14.95 monthly. According to their explanations, in order to get a credit report, a consumer has to agree to a Triple Advantage credit monitoring. I recalled that these information were not clear at the time I ordered my credit report, otherwise I would not order the service.

I lost $14.95 x 4 for the service that I did not know about or agreed upon. The agent at Experian also offer to refund only one month as courtesy. My reasoning is if they admitted to their wrong doing for 1 month, then why not 4 months. They said it's the company policy. I spent 1/2 hour talking to them and believe this is a bureaucratic, high-end internet thief that Experian is doing. We can't let this happen to innocent people.

I had a credit with Verizon two years ago, and I kept the agreement. This is the only credit that I have had in this country. Now I asked them for my Annual Credit Report, and they told me that I need my credit card number and that I had a mortgage loan in/or around April 2004. I have never had mortgage loan and neither any kind of credit beside the Verizon. I am worried with this situation, and I don't know what I have to do.

Got pre approved from my Credit Union for 30 days for a car loan if I found one I liked. Didn't find anything, reapplied this past Oct. and they couldn't pull up my credit history because my birthdate was now differant by 22yrs. Filed a dispute and they fixed that, but my Credit Union now can't pull up my credit history because my social security number is differant. Sent Experian a blown up copy of my drivers liscense, social security number, and a utility bill as there web site instruted. Two weeks later got a letter from them saying they cannot change it do to Section 611(a)(3)(A) of the Fair Credit Reporting Act. Whatever the hell this is. And also send them the same damn info I already sent them. You cannot get a living person at this company, I wish these arrogant asses were in jail.

I would add to the many complaints already added but it seems to be all summed up-Experian also rates you on where you live low income neighborhoods beware!!! File complaints with the FTC even if you think they go unheard...google Experian Board of directors and start searching the net for each individual until you find a contact for them and send your complaints.

I have been disputing fraudulent information Experian has been reporting for two years. There are three companies on my report I never did business with and I have gotten in contact with Experian regarding this error. Each time they send me a simple sheet of paper which states they have found the information provided by the companies calming I owe them money to be factual. Yet Experian provided no data on this proving how they arrived at their conclusion.

I have requested documentation proving these are my accounts which they have never sent me. After getting no where with this company I hired an agency to deal with Experian directly.

Today I received a letter from Experian stating they believe this company that is speaking for me is fraudulent and they will not dispute anything my agent request. Experian then went on to say that if I disagree I can call them, yet they give no phone number in which to call. They also give the option to visit their website to dispute Experian's findings yet I need a "report number" to even get on their site which they did not supply me with.

Once I find my way around through an alternative route, I find the "contact us" page. In that area there is a page full of different numbers, different people to contact for different reasons but no real direction on how to contact customer service.

I called one number and it took me 5 minutes of pushing different numbers to get to the recording that stated the office was closed. This is a company which provides vital information to creditors. Yet when a consumer attempts to dispute their information, Experian makes it a confusing, difficult and time consuming effort. I am unable to get the proper credit I need to purchase a car or to even seek a new place to live if I wish.

Several months after I ordered the Credit Agencies to freeze my Credit Report, I received a letter dated Nov. 22, 2009, from Experian Inc., saying:

Because this statement is ambiguent, i.e., I don't know whether they're notifying me of their requirements or that my name, address, SS number, etc. have actually been tampered with. Fearful that it is the latter, I've tried to call Experian's general tel. number as well as the number they gave in the letter they sent me but have been unable to reach anyone. I have never changed my name or Social Security number and have not changed my address since I requested the freeze. A recorded voice offered me the chance to "order a copy" of my personal credit report.

As so many others have written, it has been impossible to find anyone at Experian who will describe what if anything has happened to my account. I thought that "freezing" the account would prevent tampering but I'm no longer sure of that.

Free Credit Report - nonsense. Got the free credit reort months ago and now I find out they have been charging my credit card for months! I called them, and pressed the option to report fraudulent charges on my card - theirs! Could only get an automated system offering better protection if I gave them more money. I always wondered why that moron sings all those songs on TV, advertising something for free. Now I know why. $146.18. And I want interest too. Scam is as bad as Chrysler. Well, maybe not as bad as Chrysler. Which reminds me - where's the money for the repairs to my jeep.

I contacted Experian customer service and was informed that in the request for the "free" credit report I was also obligating myself to a monthly credit monitoring service and I had the option of canceling it during the free trial. I informed her that I had no knowledge of this service and was told it was on the web site. I was denied a refund of the $14.95 (not the real issue) and have invested roughly an hour's time reporting my complaint.

In very fine print when selecting a Free Credit report, Experian Direct has a disclaimer that you will be charged monthly rates for some service, which is automatically a part of the service. It is up to the consumer to cancel after a period of time, I think seven days. Experian has charged my bank account two times per month at the rate of $14.95 each time. .

I had to convince Ally/Gmac that a business "Fleetcraft Inc" and related phone (206)365-7484 had nothing to do with me or my residential address. I may be denied a loan due to this. I beleive they are simply reporting information out of a "fourth big credit agency" (Fraud Sheild) to circumvent the "Fair Credit Reporting Act" laws.

I am trying to correct an innacuracy in my credit report and Experian refuses to give me the information I need to do so unless I purchase another credit report from them.

i press the wrong button and i was charge 14.99 for a plan i didnt want i cancel a while back but they keep taking my money from my debt card for about 3 months that equal up to $45 dollar they took i did no sign nor gave permisson for them to take money from my debt card i want that company to stop taking my money!

I have been trying to get resolution to innacuracies to my credit report and I cannot file a complaint without paying for my credit report. They are reporting a Chargeoff from Verizon California in July of 09, when in fact Verizon owes me money!!!

I had put my own credit report on freeze because of a possible idenity theft. When I found that there wasn't a threat of that I called Experian to remove me, however I needed a case number. I recently moved and the case number was lost. So, I sent all the appropriate documents to the address that Experian provided over a month ago and still have not heard back. Becuase of this I can not purchase insurance that I need for automobile coverage among other inconveniences. I can't get through to a live person because you need a report number to do so and that's what I'm waiting to recieve from them.

Checked my credit report on experian.com and found that there was 10 credit accounts on my file 2 of them where mine the other 8 were my dads we have similar names Mel and Melvyn but i still dont know how they managed to mix them up. I dont have a middle name i was born in 1990 my dad was born in 1956 plus there was someone with the same name but was born in 1910?? The representative i spoke to on the phone said that the 1910 was obvisously a typo, and they would investigate the rest... no wonder my credit rating is bad.

I had to paid for my credit report that was suppose to be free and it's full of errors. My name isn't on the report, so it might be mine. However, there is enough information on it to convince me it's mine. They report to the world that I worked for Beatrice Development. That's funny, because I never heard of this place. It goes on to say I'm retired. I'm 53 years old, how can I possibly retire? Do they know something I don't? I do know that I have owned my home for 18 years. That's not mentioned in the report. They only report my debts, not my assets. How do you get credit without any assets? I have paid my debts for 35 years and I pay them before the due date. They don't verify the facts before they put them in writing. Isn't that called libel? It was when I grew up. Someone isn't doing their job, but their collecting a pay check.

Before i noticed it on my account, they had taken 98.85 since 7/2009, and had never contacted me with any services. I don't know which button i pushed in error, but it was in no way my intention or desire to join a paid credit card scam. they owe me $98.85, which was taken by subterfuge.

I looked at the process and it occured to me that Experian have no legal right to count enquiries as a reason to deduct points from someones credit score. This practice prevents people from finding the best deals, and if they do it, they will not be told by Experian that this has been done until they apply for credit. E.g. Buy a home, live in it, find the roof leaks and needs fixing, apply for a short term loan for the money to fix the problem, get slammed by the banks!

This is a discriminatory practice and Jason Scott will not pass my request onto the Board of Directors at Experian to ask them to cease and desist in this practice. The Fair Credit reporting act does not give these credit reporting companies the right to deduct points from peoples credit scores for making enquiries for credit. I put it to the people of this country that you are being discriminated against in an insidious way by Experian and you need to stand with me and bring these people to Justice. They destroy your good standing and then you end up paying more for the credit products you need to survive.

Stand up to them, support me and get the Supreme court to decide if this practice Experian has adopted is legal. It affects you.
No one at Experian is responding to my request to have this debated and ruled on in the next meeting of the Board of Directors at Experian.

Even the CEO, Don R.'s email address bounces. Finding email addresses for any of the officers is difficult, and actually pinning someone down for an answer to this crime is currently being diverted by Mr. Jason S. who refuses to pass my request to the board of Directors.

This is the letter I wrote to the Board: An Open letter to the Board of Directors of Experian, and the White House and the media of the United States . "I find I have to write to the Board of Directors about their policy, and as it affects myself, and every other person within the record systems of the company known as Experian, I would like to point out to you that you are breaking the law. As such I must ask you to cease and desist or I will seek a class action against your firm. Further, I will also seek personal damages against each and every individual officer of the firm because each and every individual officer is jointly and severally liable for the actions of the firm known as "Experian." The practice of debiting a persons credit score for "inquiries" into a persons credit worthiness must cease immediately. You have no legal right to impose an arbitrary debit of a persons credit score for "inquiries" into their current credit worthiness. You are, and I repeat, You ARE discriminating against the person, and that means potentially everyone you hold records on, by your actions and currently implemented policies...."

There are numerous incorrect personal information on my Experian Credit Report and there is no way that I can dispute and get the information corrected. Certain mails and bills are going to the incorrect addresses and therefore screwing up my credit and creating many problems for me. They provided an 800 number on my credit report to call and dispute, but after going through the whole automated process still does not dispute the problems.

I've called their main 888 number and the same thing happens. Online does not allow me to dispute anything. I called another number and the guy could not help me out, but instead told me to call the 888 number again. This is the most god-awful company and I simply do not trust them to handle my personal information and credit report.

3 of my accounts are in delinquency and were reported to a collection agency. I'm not receiving some of my bills, mails because it's being sent to other people's addresses.

I pulled my credit report this past week as I do every year. It comes up with someone else's name, social security number, DOB, addresses, and credit information. I have been fighting with Experian since 2001 to have this stuff taken off. They say it's deleted but when I try to pull another report it comes back as someone else over and over again. This last time, Margaret from India, told me that this was Experian's fault because they cross referenced my name with someone elses. I asked her if it was a crime for Experian to gleefully give other people's social security numbers to others? She wouldn't answer. She continued for 2 hours to go through EVERY aspect of the 92 items that are not mine and stated that they were deleted. But they are not. So, at my wits end, I am waiting for a call from an attorney who deals with this stuff. I don't have much money. I can't get a loan because this lady that shows up on my credit, has $528,000 of open credit. Sooo, as a result I cannot even get a $200 loan for myself as I have tried in the recent past. I hope this attorney doesn't charge me an arm and a leg up front, because if he does I can't do it.

Eventually they did correct the error. However, I have reason to believe they also passed my name and address along to their own junk mail distribution service, as my credit history was favorable again.

Cannot get my free credit report and has tried to temp left security freeze and the pin number they have given me isn't working properly and I have tried numbers of attempts to contact them on this and haven't gotten any response at all.

I am trying to dispute information in thier database. I ordered my credit report from a "3 credit report" service which shows erroneous information in the Experian data file. Experian requires you to pay for their credit report in order to dispute thier information. This seems like blackmail to me. They are causing me to pay more for credit rates by reporting erroneous data.

I purchased a copy of my credit VantageScore from Experian for $7.95. I called Experian to let them know that one of the factors listed that lowered my VantageScore was incorrect. They told me that it was because Citi Mastercard does not list a credit limit on my account and therefore if I have any credit spent on my card it reflects as maxed and has for the entire time I've had my card. The truth is (which I explained to the Experian representative and confirmed with the Citicard representative as well) that I have a credit limit and a NPSL (No preset spending limit) that is reported to all three credit agencies each month. The problem is that Experian chooses only to list this as an NPSL account. So, for being an excellent credit card customer with Citi, I get demoted on my credit score with Experian? That's a catch 22 and Experian should not be able to pick and choose what it reflects. Especially if one of the choices does NOT benefit the consumer. They do not adjust to reflect the positive aspects of all the different credit accounts out there. I'd love to see this become a new law and force the credit reporting agencies to change their working rules and regulations concerning this.

But Experian? NO phone number gets you to ANY human being. And, in order to possibly speak with anyone, they are trying to force us to BUY a copy of our credit report from them. We have one that's only a week old...WHY should we have to buy one from them in order to correct an inaccuracy on THEIR end ?? I've sent 3 emails...and have been summarily ignored.

I hold 4 major credit cards, of which I have always paid on time and as of about 9-12 months ago had a credit score of 790. Just recently I have received letters from 3 out of the 4 credit card companies that I hold notifying me that they are lowering my limit and changing my interest to a much higher rate. When I received the 3rd notice yesterday I called American Express who by the way has changed my fixed rate to a higher variable rate now. I asked the rep Tim why I was being penalized and asked him if I had ever been late with a payment. This is when I found out that Experian is responsible for all this.

The rep Tim at Amex told me that because I am now reduced to making minimum monthly payments (because my rate have now gone up so drastically) Experian feels I am now a bad credit risk. It's computerized slander. I have never had a problem with Equifax or TRW, had a problem with Experian years ago because they are very slow with removing things off their records. I really feel this is unfair I have always strived to pay my bills on time even if it meant giving up eating to do so. As I now all of a sudden have been such a threat to the world of finance, this will no longer be the case as I feel there is no one to help the public from Experian.

My company Helping Hands Janitorial & Property Maintenance, Inc. is a small company. I have very few if any companies that send reports into Experian. I had a creditor send in a slow 30 days payment to my experian business account in error. The error has been corrected but my business score is 43%. I can't get any credit now because of this high risk score. My company deals with companies that have no need to send in my payment timeline. I have never had a problem attaining business credit in the past. My payments are made on time, always.

On the Experian business credit report I have 0 Bankruptcies, 0 Leines, 0 Judgemtns filed, 0 collections but a crappy 43% score because I don't have trades that particiapte. I even purchased the business credit advantage report so I can track my report and make sure everything is ok. BUT IT'S NOT! I feel thatExperian is holding this against my company. Dun & bradstreet have my company as a paydex of 80. This is the highest rate possible. They had my rate lower but changed it back to the rate it was before the error filed by my creditor.

Why can't experian do that? I feel that this is a misrepresentation of my company because of this score they have assigned my company. Because trades don't send in information to them then my credit deserves a 43% score when it should be 100%?. I don't appreciate the way they compile information. If I don't have any past due, leins, judjments, etc. then I should no way have a credit rating of 43%,

I need help in figuring out how to correct this or get my company off their list. They are hurting my business. There has to be an exception somewhere if everything if ok and no problems are found or reported in. For the most part, anytime you get a trade reporting to them is if there is a slow or late payment. Then they are very quick to put it on their site. The only time you get to talk to a real human being is if you want to purchase something. other than than you go round and round with the phone message only to get another message. This is definitely not right. I was told they don't have a consumer complaint phone number......I wonder why?

After order I was given the 800 to speak with a human - however, surprise that human was not with Experian after asking for all sorts of security details - I told her to cancel the subscription and asked for her name to which she had the audacity to reply that they don't give that invo out for security reasons - this after she takes my name and social security number

I want an explanation as to who put the alert on my account and can't get any info of that nature

Today for the first time I attempted to obtain my credit score. I successfully received my score from Transunion and Equifax. However nothing appeared for my Experian. I wonder why...they have my last name spelled wrong! I couldn't obtain any sort of report from them, due to "incorrect information" I'm assuming, and it's ******* me off because in order to even begin to be able to speak to a person, I have to have the number of a credit report that I can't even get! ALL I WANT TO DO IS CHANGE MY LAST NAME'S SPELLING TO THE CORRECT ONE!!!!

Experian and Eqifax does not post a phone number to speak to a live person. Based on my research, you already receive complaints about this daily. What is being done? I tried to order my report via annualcreditreport.com and it tells me that I have already requested it. This i snot true and I waited another year to order it and it still tells me that I already received it.

THere are several items on my credit report that are not mine...I have send investiagtions ..when reproted back experian just says verified..Some even say bankrupcty which I never filed. This is reuin my creidt adn no one seems to be able to get them off. This is so unfair and I am so upset

Totaly fraudulent scam.

Trying to temporarily lift a security freeze. I tried numerous times to lift and they want to charge me. I sent a copy of the police report. Cannot reach anyone there by phone. They are so difficult. Have no problem with trans union and equifax but experian is impossible to work with. They need a number where you can a person who will help.

July 4, 2007, is when I received my first email notice about my credit monitoring subscription.

I receive all kinds of strange emails and receive phone calls for things I know I didn't sign up for because I am extremely careful NOT to do that for privacy concerns.

I have been complaining since January 8, 2008 to have my name removed from the subject line of the email notifications. To date, I have repeatedly complained to Experian about this, but they keep sending me email notifications with my name in the subject line. I have been repeatedly contacting Experian at the appropriate email address to receive assistance which states:

I have a question about my Credit Manager membership who do I call?

May 5, 2009, I called and spoke to a representative who laughed and thought the whole idea of removing my name from the subject line of a credit monitoring email was funny. I told the rep that it must be immediately. It was not. She hung up the phone on me after I repeatedly complained that I had been complaining since January 8, 2008.

I continue to receive all kinds of junk email offers for sex offers, etc..It's absolutely ridiculous.

I was contacted by someone at Experian Consumer Direct who stated he was going to fix the problem. To date, I continue to receive credit monitoring email notifications with my name in the subject line.

The FTC has not yet responded back to me. Is anyone else experiencing this problem with Experian?

another experian post. this is as much a complaint about the experian website, their customer service and void of a way to contact them. the way that they bounce you to "free credit report" is reprehensible and misleading.

ironic that there are 21 pages of complaints lodged against experian and 3 or 4 experian advertisments per page. you can call to cancel the free trial membership you were bounced into from the experian website. as for contacting experian 800 this should get you somebody breathing and responding. my card was charged a fee while i searched for the virtually non existent cancellation phone number.

I requested security freeze from all the credit bureaus. When I was ready to refinance my house I lifted the freeze from the other two, but could not do so with Experian. There is no human response. Every time I tried to lift the freeze, it says the freeze can not be lifted based on the information provided, and asks me to send several documents --by mail, which I did --- three times. It takes about three weeks to get a response. Every time I receive a new pin number, the pin does not work. I was about to loose my refiancing due to this delay.

On the Experian website, I placed a security freeze on my account after reading that could be removed permanently or temporarily. I debited my credit card $5 to pay for this. Within a half hour, I learned that the freeze would make it impossible for a third party to monitor my account. I therefore went immediately to the website to remove the freeze. The only way to remove the freeze was to wait until the $5 payment had been posted. Contacting Experian via email led to nothing, and no phone number was available.

I therefore called my credit card co. and disputed the payment. I wrote to Experian, included 3 forms of ID, and asked them to lift the freeze. Months later, they still had not done so. I got a phone number through another credit bureau and talked to an Experian person who said the only way to remove the freeze was to pay the $5. I wrote again to Experian and copied the BBB, my attorney general's office, and FDC. I then received a copy of notice that $5 is charged to residents of my state for removal of the security freeze.

A week later, the attorney general's office, which had written to Experian on my account, received a letter stating that nothing could be done without my SS number. This was a lie because the only way to enter the Experian site was with my SS number (and one wonders how secure that is!), so they had it there on my account. Finally, I paid the $5 and am glad to be rid of this horrible company.

On the Experian website, I placed a security freeze on my account after reading that could be removed permanently or temporarily. I debited my credit card $5 to pay for this. Within a half hour, I learned that the freeze would make it impossible for a third party to monitor my account. I therefore went immediately to the website to remove the freeze. The only way to remove the freeze was to wait until the $5 payment had been posted. Contacting Experian via email led to nothing, and no phone number was available. I therefore called my credit card co. and disputed the payment. I wrote to Experian, included 3 forms of ID, and asked them to lift the freeze.

Months later, they still had not done so. I got a phone number through another credit bureau and talked to an Experian person who said the only way to remove the freeze was to pay the $5. I wrote again to Experian and copied the BBB, my attorney general's office, and FDC. I then received a copy of notice that $5 is charged to residents of my state for removal of the security freeze. A week later, the attorney general's office, which had written to Experian on my account, received a letter stating that nothing could be done without my SS number. This was a lie because the only way to enter the Experian site was with my SS number (and one wonders how secure that is!!), so they had it there on my account. Finally, I paid the $5 and am glad to be rid of this horrible company.

I asked for my free credit report and experian asked for more ID.I sent a copy of my DL,SS Card,and electric bill.Experian sent me another letter asking for the same ID.I sent the first request certifide.

I did enter into agreement with Experian for a 30-day trial offer to view and review my credit history report. However, because my initial information received from Experian was just a glimpse, I immediately decided to cancel my request. I did email Experian with that information; however, never received an answer. If you check your on line records, you will see that I have not used the site anymore and will not in the future. I contacted my cardholder and they advised your company to call them. I am seeking return of the $19.95 you unrightfully and without authorization deducted from my debit card account. How can you explain doing such a thing?

We have been receiving phone calls at our house (which is unlisted and on the National Do Not Call registry) for more than a year now, most of them offering health insurance to business owners or the self-employed. My business was registered not with my home phone number, but with my cell phone number, so I didn't know how (until today!) that they were getting my home number.

The most recent caller said that they got the number from Experian. Evidently, Experian is selling our home phone number as our business number, hoping to get around the DNC registry.

Experian is the worst! I tried over 200 minutes starting Thursday through this weekend to get Experian to temporarily lift my credit freeze to no avail. I could actually lose the apartment I'm applying for and they threatened to charge me another $50 application fee if they had to keep trying to get a credit report for me.

To make matters worse, why don't the three bureaus (Equifax, Transunion, Experian) communicate more effectively? Equifax will give you a "code" to give the permissible third party to check your credit even when it doesn't prompt for them to put a code in! A lift should be the same with all three places; no codes, no weirdness. JUST LIFT IT for the time I request! It's MY credit, after all!

Thanks for reading. Please complain to the Better Business Bureau as well as the White House so that legislation can begin to revamp these horrible credit bureaus.

I have been trying to contact Experian since my identity was compromised by hackers breaking into my university's computers. I can't get a free report. In fact, they haven't contacted me, which the other credit agencies have. They want me to buy my credit report. I can't contact a human being to explain that I'm entitled to a free credit report. What am I suppose to do?

Experian makes it impossible to contact them to dispute credit information. No mailing address provided on website; online system never works.

In early September of 2008 I placed a Security Freeze on my credit report with Experian. I recieved confirmation from Experian that a Security Freeze has been placed on credit report. On several occasions I unlocked my credit report and then relocked it as needed. On Saturday I recieved a call from credit card company that was able to pull my credit report from Experian and Equifax (a seperate complaint will be filed for Equifax). They were able to verify most current data on my credit report which made me believe that they were not misleading me.

Immidiatly after that I called Experian using their toll free number that was provided to me in the confirmation letter. I had no success. I followed up on it again on Tuesday (5/26/09) and then again on Wednsday (5/27/09)then again today. There is absolutly no way to get passed the automated system. Any attempts made by me to bypass the automated system resulted in the call being terminated. At this point I am feeling very frustrated with the service level of Experian. I still have not resolved my issue and frankly don't know how I will. Your assistance in this matter is appreciated.

Experian does not have my current phone # on hand I cannot get an AMEX card issued with significant Delta Sky Miles until I change my phone # from my old address to my new address. AMEX nor Experian can help me. There is no live human with a pulse that will help me. Why should I be scammed into paying for my most recent credit report when I don't need that I just need to change some information? Yet without a credit report I cannot get anyone to talk to me at Equifax.

We have been getting strange calls, several a day offering us credit, saying that we are in arrears on our bills. Others have offered us health insurance. Today I told the caller that he was misinformed and asked how he got my number, I was on the government do not call list. Apparently Experian sold it to them. I now find that Experian has done this to others, has a practice of not allowing anyone to reach them by phone and does not correct false information on people's credit.

I filed a report many years ago that I have NEVER lived at another address they have me living at, my complaint was never corrected. Now I am assuming MORE debt with interest charges

I filed a report many years ago that I have NEVER lived at another address they have me living at, my complaint was never corrected. Now I am assuming MORE debt with interest charges

I made an inquiry to Experian to investigate accounts on my credit report. It was dated April 1, 2009 and yet it has been over 45 days, no response. In addition to that, I was charged for a fee that I should not had when I tried to retrieve my credit report from Experian.com. It told me that I would not be charge. It was for verification purposes only and yet they charged me.

On top of that, when I called to dispute the charges, the representative told me that there was no freeze on my account. I had froze my report since Late 2008. I requested to speak with someone else about the charges since they told me that it is nonrefundable. How can it be nonrefundable when there was no intent to purchase anything from them? What about my account being froze? No one was supposed to be able to get any information unless I called them myself to lift the freeze. This is such a scam. This bureau is the worst of the 3.

Experian allegedly called my mother (aged 82) and told her they could reduce her credit card APR if she gave them her bank and credit card info. Because she trusted the name Experian, she gave them her info. Afterwards she wondered if they were legitimate. She tried to contact Experian and could not get anyone to speak to except the automated menu. She has since canceled her cards and requested new cards.

Folks,

I received a credit report from Experian and they noted I had "too many accounts with balances" We have NO accounts with balances and pay credit cards in full each month.

It is impossible to call these people. They hide behind their telephone handling system. My loan application is being held up because they got something wrong. They do not answer their phones. Please tell banks to stop using their service. They do a disservice to their customers.

This company is supposed to accurately report credit history. In this case there are four different social security numbers associated with my report and my report is saturated with history that does not belong to me. I just recently found out about this problem when I decided to apply for a mortgage. Once I was denied for the mortgage is when the saga began. As I looked at the names that were associated with my report I could understand how an error like this could occur. But being that credit is distinguished by social security numbers and not by name I CANNOT UNDERSTAND how this could have occurred. My investigations have began since February 2, 2009. And not yet have I received any correspondence with regret or remorse. I cannot move forward with any of my endeavors without correspondence. This company is very hard to contact and I would like to take legal action against them.

Many months ago, I froze all my credit reports to prevent identity theft. April 30, 2009, I tried to temporarily unfreeze my credit in order to apply for a mortgage. Apparently it worked for Trans Union & Equifax, but not for Experian. I tried again on May 6, then tried to permanently lift it on May 7, none of which has worked. It is impossible to reach a live person on the phone without a credit report number which I don't have. Of course, Experian has charged me $30 for the three attempts to lift the freeze. The bank says the area determines which credit reporting firm is used, and of course it's Experian here. So if I can't unfreeze my credit, I won't be able to get a mortgage. Time is of the essence.

I can't file a police report because I they want the entire number of the credit card that is charged to me. I do not have this and can't get it because it is not mine. I need help in clearing up the matter and need to talk to a human being. I have already spent hours and days trying to get to a human both with Experian and with Consumer Credit. I get nothing but recorded messages that lead to more recorded messages. HELP!!!!!

Hope this helps someone ...

I Have Sent In Statements Of Items That Have A $0.00 Balance and they will not update my report. Also they applied bank that they keep reporting i have asked them to remove because the item is not mine and also it has been reporting for seven years...

This has cost me the score on my report to be very low.. I am having a hard time buying a house because of this item and them reporting it. Experian is the only one that is reporting this.

I am trying to purchase an Iphone and must have the credit freeze on all 3 credit reports lifted. Transunion and Equifax lifted within 15 minutes of requests and I got a live person quickly on the phone when needed at both credit bureaus. Experian sent me confirmation of the temporary credit freeze lift but has not actually done the lift. We are now into the third day and I've tried for an hour to get a person on the phone. Experian is being extremely difficult. They need to straighten up their act!

AT&T and Apple are about to lose a $400 sale with an ongoing contract for 2 years of service at $1700.

I tried to temporarily lift the freeze on my credit in order to purchase a vehicle. After going through the telephone process & paying $10, waiting 7 days, my report was still frozen. There was no live person to talk to so I went online & repeated the lift the freeze permanently, paid another $10, 3 days later & my credit is still inaccessible? WHAT TO DO?

I need access to my credit! I'm without transportation. I can't leave california. I'm stuck and i have a credit score of 767.

In April 2009, I took the vehicle in to a different Chevy dealer for service and learned that the vehicle had been in an accident. I pulled another AutoCheck Vehicle History Report and low and behold, there is now an accident listed that had happened 5 (FIVE) months earlier. Five months is NOT an acceptable amount of time to list major problems like an accident. I contacted New York (the State where the accident happened) and was informed that the information was available to anybody back in November of 2008 (five months ago).

Of course, AutoCheck says that I am not eligible for 'Buy Back' or even diminished value because the Report should not have been 'relied on' for purchasing a vehicle as is stated in there legal disclaimer.

I purchased a used, GM Certified Chevy Tahoe in March 2009 and pulled an AutoCheck. NO problems were listed in the Vehicle History Report. In April 2009, I took the vehicle in to a different Chevy dealer for service and learned that the vehicle had been in an accident. I pulled another AutoCheck Vehicle History Report and low and behold, there is now an accident listed that had happened 5 (FIVE) months earlier. Five months is NOT an acceptable amount of time to list major problems like an accident.

I contacted New York (the State where the accident happened) and was informed that the information was available to anybody back in November of 2008 (five months ago). I certainly would not have purchased the vehicle if I had known it was in an accident and I certainly would not have paid what I did for a 'GM Certified' vehicle. Of course, AutoCheck says that I am not eligible for 'Buy Back' or even diminished value because the Report should not have been 'relied on' for purchasing a vehicle as is stated in there legal disclaimer.

I am now trying to sell/trade the vehicle and it initailly appears that this will cost me $2,500 to $3,000. to get rid of the vehicle. It's either take the loss now or later if I keep it.

I tried repeatedly to get through to a human at Experian. Finally after looking around on the web, I called the commercial unit of Experian and a nice lady told me to call National Consumer Assistance Center/Experian to get a live agent. First print your Experian credit report which you will need before anybody will talk to you. I haven't had time to try it yet, since all the calling and waiting took up so much of my time today.

Itried to get a credit report that they needed one dollar it scrolled down so fast it hit all three credit reports for24.95 I called them right away and said that was accidental they told me i had to fax them in writing what happened whitch i did the same day couple days later they put the money back on there then a week or so later i get a letter saying sorry for the mistake but you will have to pay the 24.95 and as soon as there was money on my childsupport card they took the money and i have never even looked at my credit report or anything and i want my money they are a scam

Bank of America, my bank, mistakenly claimed I was delinquent for two monhtly payments to Shell. I paid the account off immediately. I have tried to dispute this online, via phone and via mail. Experian do not reply when I tell them I can't get the numbers to work online. I called three numbers without ever getting a human or any help that suited my situation. I can not, and this is the worst, find an actual mailing address!

I cannot fix my credit report. I pay my bills and just want to resolve a simple issue.

In 2005 my son had to go to a doctor out of town while on a family vacation. The doctor's office transposed numbers on my zip code and therefore was never able to bill me for the services (other than the copay I paid upfront). In 2008 the doctors office sold the debt to NCO. NCO attempted to contact me, but did not have the correct address for me either. NCO then submitted the debt collection notice to Experian using the incorrect address and no other way to identify me (no SSN was used). Experian made the assumption that this debt notice must belong to me and put it on my credit report. The doctors office, NCO, and Experian all violated the Fair Credit Reporting Act because none of them every notified me of this debt.

Since this notice has been put on my credit report in January 2009, I have been turned down for a small loan with Bank of America, Wells Fargo reduced the credit limit on my home equity line of credit, American Express reduced the credit limit on two of my credit cards, I can no longer obtain new credit. My credit score has dropped from the mid 700's to the high 500's.

I am attempting to contact Experian to stop the billing for a service triple-advantage--I have instructed credit card co. to rescind all payments for this service as to mt knowkwdge and belief I nver ordered it, I just want the billing to stop and credit issued..

Experian will not provide adrss to dispute information on credit report. cannot remove derogatory info from credit report

I am getting hounded by creditors looking for deadbeats who illegally use my phone number as a contact number to set up accounts to essentially rob businesses by buying products they have no intention to pay for. All of the creditors say they get my number from Experian and Innovus and send it to the collection agencies. I have had my present phone number for several months to a year now, but people that have had this phone number in the past are still associated with it. I cant get in contact with anyone website or in person that can help me.

So I guess that I have to put with constant harrassment from people undeservingly. I owe no one, and do not take kindly to being defrauded. These calls are constant, rude, and forever ongoing. I cant believe that I have no rights other than to change my phone number for 35 dollars and go through all of this again with a new number. AT&T only holds old numbers for 90 days before they recirculate. This is preposterous. There are some people that have used my number fraudulently as recently as the past month.

When you work all hours, have a two year old, and need your phone for emergencies(so you cant just unplug it) this is GREAT, GREAT harrassment. It is almost criminal, the negligence and apathy of the parties involved. I WILL DO ALL THAT I CAN TO STOP THE INSANE HARRASSMENT PERPETRATED ON MY HOUSEHOLD. This is one ticked off responsible working man with a 793 credit rating and no debt whatsoever. The Kentucky Attorney General sends letters to those who call me threatening them with action, but until Experian and Innovus do what is legal their obligation, I will be harrassed to the point of insanity. That will be on them.

I contacted the credit reporting company to send me a copy of my file. They did and removed some negative remaks etc. But I observed someone tryinig to or did make a purchase maybe with my information. I have found the number and address of the party whom poss. used my ssn# i am getting the runaround from Experian I am entitled to know what these people purchased and if so. They fail to offer my request in full.

I was also later on given such information from a creditor whom reported such to experian now experian claims they do not know. they are lieing to get out of a lawsuit and charges. I made conatact with the reporting company whom apparently these people used they are Land America Credit Services,Lending Solutions I need information for these companies to see what the people whom used my information what they did the company of Lending and land america refuse to offer me information on my behalf. They are witholding information to keep charges from being filed that I will file on such for false reporting and credit theft. I would like answers in full from Experian,Land america,and Lending Solutions asap.

credit damage and identity theft from such company.

After getting a copy of my free annual credit report from Experian, I purchased a report showing my credit score. I did not learn until I had completed the transaction and received the report that the score was Experian's proprietary report and not a FICO report. I tried to contact the company and got the run around and no definitive answer. The report is of no use to me as I need to know my FICO score. I will now spend another several dollars to get my FICO score from another source. I want the information in advance of applying for a loan. I don't want to apply for the loan unless I know I meet the minimum requirements. Experian did NOT provide adequate information in advance that the credit scoring system they sell is proprietary and not a FICO score.

I will not be able to apply for a loan without purchasing a real FICO credit score report. This costs me additional money out of pocket (the cost of the report) and delays applying for a loan that could cost me more in interest on the loan if the interest rates change. Experian is deliberately misleading consumers by not clearly stating what the credit score is being used.

Experian applied someone else's judgment to their report of MY credit history. I cannot have it removed, I cannot speak with anyone at Experian, I cannot pay the other party's debt to have it removed, and it is delaying and potentially halting a home equity line of credit which I am trying to establish.

Lost income due to missed opportunities to purchase investment property, as well as lost time and money attempting to correct the error made by Experian.

you can never talk to a human at experian nevern you cant get any help online either experian wont take my paid items off my report they said i didnt have enough evidence even though i mailed all my receipts in i need help getting items removed fro experian you dont have a phone to contact all online activities are fraudulent asking for a credit card number i need help now

none. as a result my credit is ruined transunion and equifax cooperated nicely and they have live contacts please help

I received my credit report in January. I have tried to contact by phone and system or the number provided does not give the opetion to talk to a person. I had made two calls that I did get a recording that due to the weather the offices were closed. I have tried to make a contact by the email and what I needed is not available to comment. I am so frustrated with [their] methods yet [they] have so much control over peoples ablility to get credit. How can [they] make it so complicated for a person to communicate. I believe that company should be investigated over the complicated prcedures have in place.

I am sure many persons are damaged by information just simply because they do not have the ability to contact. The other two credit bureaus were easy to contact and the issues resolved within a week. I have been now three months trying to in some manner get the issues resolved with [Experian]. Now for the problem: Ont the personal information [they] are the only one that has eight addresses that I never lived nor received mail. [They] have me sisted with my divorced spouses social security number and phon number and have him listed as my spouse. We have been divorced for some 13 years.

What is up with Experian? Besides NOT being able to get your score, which is bogus, why is it that you can NEVER get a HUMAN on the phone? I get so sick of the automated phone lines. Plus the fact that you are trying to do the responsible thing and clean up your credit. Why does Experian put up road blocks? If you dispute too much, youre just being frivolous to them. Then they slam you with a fraud alert. You have to get it removed yourself or it sits there for 90 days. Or the fact that you have paid medicals, that you prove over and over that yes they are paid and that the collection agency has not right to reportthat you Experian do nothing and there it still sits.

I am having lots of problem with experian. I can not get my credit report on line. They told me that I have no credit history. I have a credit report from them all the time. Now,They stopped me to get my report on line. I send a mail and give all the my personal information. It did not help. I still don't get my credit report fom them. What I should do? They don't have a phone number I can reach the costumer department.

I want to able to get my report on line. One guy told me They froze my account. WHY? I send all my personal information by mail. It still the same. They are putting wrong information. We cannot even to see and correct these mistakes. Can you help me, please! Thank you for your cooperation.

I am having problem getting credit cards. I have excellent credit rate. But They offered me a little credit amount. Experian won't allow me to see my credit report on line and fix any mistake I have

I am complaining about the practice to not sell the FICO score to the public anymore. As a consumer we should have access to the system lenders will measure our credit worthyness by. This information about our personal credit history is being shared publicly with lenders and therefore we need access to monitor and ensure accuracy of our credit files as well as the scoring system.

I cant imagine this company has not been investigated by the government yet. They have merged my credit with another womans credit that has the same first name and middle initial but different last names obviously. Our SS# are even similar. I found this out when we were trying to get pre-approval for a new home. EXPERIAN has four different names for me and two different SS# ; also Three different names for my husband and FOUR differnt SS#'s. Now how is it that Transunion and Equifax can get all of this information correct but Experian does not have any of the correct information. I have tried to contact them but get the same run around on their number and no live person.

Called the Better Business Bureau and received another number for them. This did take me directly to a live person but they were unwilling to help until I got THEIR own report. I have tried to get thier report and can not b/c none of the information they have for me is correct. Someone needs to do something about this company. My next call is to the attorney general!!

We now have a contract on the house we are currently living in and can not get approved for the loan to build the new house because of incorrect information from EXPERIAN.

It is physically impossible to deal with this company! My credit report contains many inaccuracies from addresses which I've never been associated, names that aren't me, and recent details from my exhusband (of 8 years). I have attempted to use the online features, but the outcome has always been more disinformation! I have tried repeatedly to telephone them to no avail, being hung up on by the auto-voice. I can't find a physical address to mail to. This system is set up to create havoc with individuals.

It has been impossible to get student loans for my daughter.

I sent in a letter of denial from a credit company to experian & asked for my annual free credit report. When I recieved the report it was blank! The letter of denial stated insuffiant credit. I am 30 years old & have had several lines of credit including 2 student loans. No one has any answers for the erasing of my credit report. Please help.

Can not get a credit card or loan of any type. Denied a home loan even a SECURED line of credit.

refuse to investigate or remove outdated/innacurate information on credit report

My husband and I are trying to refinance our home (lower rate) Experian has our credit scores much lower than Transunion or Equifax. There is a credit card listed on my report, that is not mine and I have nothing to do with. But, Experian says its delinquent and tha balance is 3,100 + and it is from 1991 (18 years ago!!!)

I cannot contact anyone by phone. This charge is not on Equifax or Transunion. My credit score is significanty lower on Experian than the other 2 companies. I need this charge taken off, but I can't reach anyone by phone and they want me to purchase another credit report online before I can dispute my report.

Experian constantly harasses my family when we want to set our individual fraud alerts and when we want a free copy of our credit reports. There are four adults in our household. They reply by mail that a suspicious request has been received. They provide a Report Number and a phone number to call which only allows us to dispute our credit report through an automated system. But they didn't send the credit report!

There is no way to talk to an individual. We send the required documents consistently (a copy of the Social Security card and current Driver's License) and they reply with more of these suspicious request letters.

Experian is violating our rights to protect our identities. They are withholding fraud alerts which would give us some protection and they are withholding our credit reports which would allow us to see any fraudulent activity. I hope everyone will go to FTC.gov and file a complaint (which is our right as well).

I have had multiple issues with there hard and very non user friendly web site dispute process. I see multiple errors and have tried to make a valid dispute but nothing was done. Plus when trying to call the bureau via phone no live attendant ever came on and the automated system was not what I needed.

Alos the credit scoring system and my FICO score i have with them is not available to me and I cannot see the info that is being shared about me with other possible third parties or possible lenders. Not at all right and I have no idea what is in my report regarding the Vantage Score or what lenders see based on my profile.

Loan refusal, higher quotes on Insurance premiums, low credit score and worst report compared to the other bureaus. Unfair dispute process.

was ordered.Salesperson continued to push a product that I did not receive.

24.95 fee.3 hours + of my time which is $20.per hour.I still have not received the product they are trying to sell,I am not interested in their website.

This company is HORRIBLE. While refinancing my mortgage the bank noticed a credit card on my credit report that was not mine. Trying to get in touch with someone on the phone at Experian to get this resolved has been IMPOSSIBLE. Please help! They are very bad.

The cost to me for the Experian mistake is approximately $5,000

The credit reporting agency Experian has recently decided to withhold FICO scores from individuals who request and pay for their credit data. This can have disastrous ramifications because even if the raw data in the body of a credit report are correct, that provides no assurance that the FICO calculation based on those data is valid. I have had just such an experience (with Equifax). The Federal Trade Commission has authority over all of the three credit agencies. I would urge everyone to contact the FTC and register their objections.

Today I received my second letter back from Experian. I sent out an application for a BP Gas Credit Card and also another credit card and was declined for reasons that are false. When I sent the letters, they just send them on a letter that states they don't know who I am. I've sent copies of Drivers License with my name and address and a copy of a Utility Bill with my name and address and all I get from them, is the same letter stating to send the same info that I've been sending all along.

How can I get this problem resolved when they continuously ask for the same info from me after I have already sent them what they need? This bad credit ref keeps me from getting credit cards and low APR'S.

My credit report shows incorrect info.I have been able to rectify this with other reporting agencies. Not experian. I find it unconcionable that they are still accepted as an agency that can damage an individuals credit. As one of the previous posters stated they require an account number that is a revenue generater for them in order to correct an error. I can't believe this is legal. Who has over-sight of this agency? A response would be appreciated, and I will follow up. thanks

My credit score is inaccurate.

my credit information should be locked. i do have a police report. i am paying equifax 15 dollars a month and it was my understanding my credit is locked. on feb. 5 esperian released my infomation and they have no phone number to call to talk to a person

Dish Network couldn't not give me service. Said that 3 credit companies had different personal info. Called Equifax, TransUnion and said info was fine. Experion has NO operators to talk to. There is NO way to get around phone number listed! I am trapped with a denial of credit because I can't verify my info with them.

Experian Credit Bureau will not reinvestigate items that should be deleted after 7 or 10 years or that are sold to another bank. Even though Trans Union and Equifax removed these items many months ago. 1.AMC Mtg Services sold in 2007 to Citi. other 2 bureaus removed. 2. Riv County Rec released & report 7 years since 2002. other bureaus removed. 3. Riv County Rec not valid. other 2 bureaus removed. 4.Riv Cty Rec released & on report 7 years. other 2 bureaus removed. 5.Riv County Rec. not valid released should be deleted. other 2 bureays removed.

Poor credit bureau score compared to TransUnion and Equifax for home mortgage when 3 scores are averaged out. Keep resending and calling about errors and they do no investigation or comparison to Trans Union or Equifax. This has been going on for years!

Experian got my date of birth wrong on my credit report. How this happened I dont know since all the banks, phone providers etc have the CORRECT DOB. I wrote to Experian and included several documents showing my DOB, also me BIRTH CERTIFICATE and my marriage certificate to ahve my name changed (EXPERIAN still has my maiden name even though again, bank etc have my new name)

I received a letter from EXPERIAN that they couldn't fulfill my request for I did not show enough proof. What kind of proof are they asking for? I handed in a copy of my BIRTH CERTIFICATE. When I apply for a loan, it might be denied for I cannot prove it is me.

Experian has manipulated and changed my credit records as to my Student Loans with Sallie Mae and reported inaccurate and incomplete information. My original lender of my student loans was in my credit files. The original ledner was paid in full and was to remain on my record for 10 years. Each of these Student Loan lenders were replaced with Sallie Mae's name and the amounts or balances were listed as N/A on Credit Report. I consolated my loans with Sallie Mae, but never took out the initial loans with Sallie Mae.

Further Experian has accused me of not paying current bills timely which is not true but does not show which bills where not paid in a timely manner. They list Bank of America which I have consistently paid much more than I owe them each month and have never gone over the balance allowed. Yet my credit report shows me over my limit which was caused when the billing cycle closed and was immediately addressed and the bank itself admitted I myself had not gone over my limit. A $71.00 payment is reported but I actually paid the bank a payment of $136.00 apprx. not just $71.00.

I am accused of not paying bills timely but no reference is made to what they are referring to since I have not made any new bills in years and ony two items are on my credit report as possibly negative and one has been resolved and nothing is owed on it, which is a former tax matter. The other m atter Is a medical bill which I disputed in court and the judge said since neither I nor the accuser had proof by a proponderance of the evidence (which there was none) he decided with the Credit Bureau Services on behalf of the medical facility. I appealed and when back to court but I was told no one showed up that date and another court date would be scheduled which did not happen

This all adversely affected my credit score and caused me to be denied an opportunity to receive any additional credit from my bank. I also feel this could prevent me from finding a place to live in the near future. Since the original lenders where removed prior to the 10 year period to have the initial paid in full lenders names replaced with Sallie Mae's name would extend those lenders to 20 years in my file instead o the 10 year period prior to removal and deny me the right to have the origial lenders in my credit report that have been paid showing paid as is down for all other borrowers.

We have been getting repeated calls on our fax line for months.Several times every single day. With some investigation have determined that the source of these calls are credit collection agencies that claim to be getting information form Experian that we have excessive amounts of debt which is not true. Our Fax # has not been given out to anyone. I am unable to speak with an actual person at Experian to help rectify the problem. As someone else said, there is an automated loop that does not allow for speaking with someone without paying for a report.

We have no choice but to eliminate our fax line apparently. We don't get these calls on our home phone. I smell a rat.

I'll add to the list of complaints. I went to Experian to get a free credit report knowing that I get a free credit report each year. When you ask for the report on experian.com, you're actually signing up for a trial freecreditreport.com membership which you have to cancel in 7 days or your credit card will be charged for the membership. It is explained in small print. And they did cancel my membership without hassle (they sent and email to give them credit for that.)

But it's all very misleading since I went to EXPERIAN, not freecreditreport. Also, it does ask for your credit card but it leads you to believe nothing will be charged. Very slimy. Read the small print and find out how to get your report according to the law that says you get one.

I have been trying to get a free copy of my credit report from Experian since May 17th. I sent them all the necessary info; Name, address (no changes in years), DOB, SSN, as well as the PIN from my extended fraud alert.

They seem to be phishing for ID theft info, such as driver's license. I've contacted the FTC, and they canfirmed that I have provided all of the info necessary.

So I guess its time to go public.

I can only avoid Experian's actions by not using credit cards, getting a mortgage, or buying car insurance. Which is of course illegal.

Experian also charged me monthly for almost a year without me realizing I was charged (my stupid mistake). They won't refund my money. My credit card gave me two credits. They charged me monthly when I tried to order only a single report. THEY SCAM PEOPLE!!!! I want to dispute. It's within my rights. I shouldn't have to pay $15 to dispute something. I already have a three report monitoring account with truecredit. What is the point if experian is scamming me for another $15. They claim I should have a current report number. I do have a current report with true credit who is reporting experian but experian doesn't count that.

Experian has put a felony charge on my criminal record which has been proven to be absolutly wrong and has caused me to not get jobs or rent an apartment for four years. Iam very upset and I am seeking legal advise because I was told by the county in which you said I recieved the felony in that my name is not at all in there system. I dont understand how somthing this serious could happen and go on for 4 years.PLease contact me A.S.A.P.

Unable to get a good job or rent an apartment. Which has caused me not not provided for my family and Iam very UPSET.

I had placed a temporary lift on my credit files with Experian. They charged me the fee but never lifted the freeze. There is no way to contact them, except the postal mail. I am unable to re-finance as the lenders are unable to view my credit report. The credit freeze by Experian is counter productive in the fight against identity theft.

I am unable to re-finance and take advantage of a very low rate on my mortgage as the lenders are unable to view my credit report.

I was being considered for a new job 15 months ago and the recruiter did a background check and saw a duplicate name under my social. This person was convicted of multiple felonies and had terrible credit. Having told her I never went by another name I followed up with the credit bureaus and sent them the appropriate letters and such to get that off my record.

I assumed it was off until we recently got a construction loan for a house we're building. As we're signing closing papers there the other name is again. They gave me a report that Experian was still reporting the name and so I've tried to contact them via email, online form and phone and cannot get anything to work.

It's very frustrating and now I understand why it takes so long to get your credit cleared up if you've been hi-jacked. I am very vulnerable and yet Experian reports inaccurate information and does nothing to help clear it up. Whatever happened to accountability? I'm not for government intervention but I can see a company that needs clean up.

I am trying to dispute something on my credit report and was force to order a credit report and still cannot file on line due to system error and unable to contact anyone by phone.

I've discovered that Experian has combined my credit history with my mothers. Fortunately, we both have great scores, but I can't get in touch with someone by phone at Experian to clear this up. I get stuck in an automated loop and it finally hangs up on me. They want me to pay for their credit report in order for me to dispute their mistake.

My husband an I would like to purchase real estate this spring, but I'm afraid we may not qualify if my mothers mortgage is also listed on my report. How can they be allowed to do this?

Experian sent me a credit alert stating Over Credit Limit which is totally inaccurate. I checked with my credit card company and my account is perfect. I would like to know the moron who sends out misinformation and upsets the consumer. I have outstanding credit and I'm being told by this inept company I have over credit limit on my credit card. This is ABSURD. Someone needs to be held accountable for sending out bogus information. Sounds to me as though there are a bunch of idiots running the company. Why isn't there a phone number with a LIVE PERSON

i applied for a credit card and was turned down, reason only experian knows. called them they tried to sell there product. went on line said it was free, turns out i would be charged with my credit card. went on consumers affairs site to find out there are many other people with the same problem with experian, making false credit statements to sell there services. is there anything consumers affairs is doing to help all these people?

I tried to apply for credit, with H&R Block, and I waqs turned down because Experian reported that I have an open bankruptcy on file, which I don't! My bankruptcy was discharged six years ago! I received credit, from H&R Block, last year, but since I applied for a credit report, with Experian last July or August, now all of a sudden my credit report says that I have an open bankruptcy, which I have never seen before.

I was denied credit, with H&R Block, because of this fraudulent report!

we applied for a home equity loan and the bank ran a credit check. three of them came back with scores over 700. the one from experian can back that my wife had over 20 open accounts with unpaid balences. also the s.s number was different on this report also. You cannot contact experian unless you purchase a credit report from them. You are unable to speak to or leave a voice mail.

Our banker showed us the report he had and we used the number off of the report to respond to them but it would not work. we sent all the information they requested from us and it has been twelve weeks ago. They were to respond by around 6 weeks. My wifes credit continues in limbo because of experian. We sent all the information by certified mail on 09/30/08

My wife is unable to obtain any kind of credit such as a loan due to false information on her account

HOurs and hours and hours on the phone going now where. Its impossible to get a competent rep who is even remotley civil. I have a account on my report that is clearly not mine. Experian has offered nothing except for rudeness and hangs up. Please monitor the call with this company.

I can not get the credit that I need

There is a claim by experian that I have a deliquent account, but the vendor has verified that it's not even my account nor does thier SS number match the deliquent account. Experian has yet to resolve the issue.

I have tried to refinance a mortgage, but cannot until experian corrects their error.

I checked my credit report and found errors. I immediately crafted a dispute letter and circled the items I was disputing on a recent credit report (Experian Credit Report). I received a letter from Experian about 3 weeks later saying they were unable to process my request because I did not provide them with sufficient identification information. I provided SSN and a copy of an Experian credit report.

Having extreme difficulty in cleaning up my credit reports. Multitude of financial consequences if the errors are not corrected.

I was charged on line after ordering a free credit report 14.95 coded as cic triple advantage which showed up a month later on my chase account. I asked beverly to have the charged reversed and was told she could not do it. I have recently lost my job and money is tight for me at this time. There was a box I missed that should not have been checked.

I have sent EXPERIAN disputes in regards to my credit report (with the green card) and EXPERIAN refuses to investigate my disputes stating that I need to send in a government id, bill with address, etc... but yet the company continues to place information on my credit report. I have faxed in disputes and have emailed ask ? in regards to the steps that I need to take so that EXPERIAN will investigate my dispute.

In 2006, a hospital made a clerical error and confused me with another client. I shortly stated receiving medical bills for someone I did not know. It went into collections, because I refused to pay. I had evidence that I was out of state working when the person sought medical attention. The hospital would not listen and reported the other person's information (name and address)to the credit bureaus and turned it into collections. I finally proved that I wasn't the responsible party and the Hospital wrote me a letter and apologized.

All three creditors removed the collections, except Experian refused to remove [person's] address from my report. Now that [the person] has been sued and it was settled, I must bear the burden of her eviction settlement. If they would have removed this address it would have cut all links from this person to me. I gave supporting document in 2006 to Experian that proved I didn't live at this address, but they won't remove it. So, they have definitely gone past their thirty days notice, by about two years. Can I sue?

They are also reporting a false social security number on my report as well. I may not get hired as a result of their report (I will shortly be investigated by the FBI). I am currently unemployed and the loss of potential employment right now will cause great financial hardship and the stress I am enduring is causing problems within my family. Just a phone call to the courthouse and the rental manager will confirm I am not [this other person]. I don't understand why they won't do this?

I am about to be investigated by the FBI for employment purposes. I did not report the address (that is not mine) Experian falsely kept on my report after they received documentation stating the address belonged to someone else. Now I am susceptible to all the negative public records [the person] is creating. The civil suit judged against her is now on my report due to Experians refusal to remove her address.

I submitted two disputes online to Experian regarding a debt that belongs to my parents and is listed under my name (Collection Consultants of California). Furthermore, my mother's social security number was on my report as it was her social security on the Time Warner debt. She submitted a letter to Experian also stating the account was hers and my fathers (my father and I have the same name and up until the last couple of months lived in the same residence). Experian immediately reported that this account was upheld.

My mother contacted the collection agency and advised Mrs. Jackson (supervisor) that the account belong to her and my father and even gave her social security number as proof. Instead she was accused of using my social security number. She reiterated the facts. Eventually Mrs. Jackson stated that she could not and would not remove the information. My mother became frustated and angry and replied that she the collection agency is now aware they are attempting to collect from and damaging the credit of an innocent party--me, she would not pay until the collection agency removes the information from my account! My mother attempted to resolve with Time Warner and explained the situation.

I can not do it, of course, because I am not privy to the account information as it is not my account. She was told they could not provide written documentation that is not my account. My mother stated that is ridiculous because she never used my identity (they accused of the same), the social security number belongs to her, my father and I share the same name, the account was set up as husband and wife--to which I am clearly not her husband and the account was set up before I was born. The local/small town cable service has gone through acquisition of about 4-5 cable companies since the account was first set up!

On my second dispute and attempt to get this item removed I finally made a statement that I have no knowledge of this account because it is true, it was not until I showed my report to my mother that I learned it was her account. The following is a copy of my report after second dispute:

Experian does not have a system in place for disputing a credit inquiry that does not belong on my credit bureau. An inquiry, that is visible to other creditors for the next 2 years, reflects that I have a applied for a mortgage through the NJ Mortgage Company. I have not applied for a mortgage and Experian is legally required to keep updated and current, accurate information on my credit bureau. I disputed the same, inaccurate information with Equifax and they had a system in place to dispute inquiries, investigated and removed in 48 hours.

I called Experian and they do not have a system in place and told me they are not responsible for the accuracy of inquiries. The Fair Credit Reporting Act is as follows: You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous.

This is not an inquiry that is in the Inquiries Shared Only With You section, this is in the Inquiries Shared With Others section and as I have never applied for a mortgage in 5 years and most certainly not with the NJ Morgage company (via LandSafe Credit). I demand that it be removed. Experian refuses to investigate or cooperate telling me it is not their problem.

Experian report # 2540607276 said, As you requested , we have placed a security freeze on your personal credit report from Experian.

It cost me $10 to place this freeze.

They lied. They never did it.

Transunion and Equifax placed the freeze as I requested but Experian did not.

None yet but By doing this Experian is compromising the entire credit report freeze effectiveness and ruining this aspect of consumer protection.

Maybe they lied to everyone who requested and paid for a freeze.

These people are trying to bill me for a free credit report. I am pretty good on the computer, but they have blocked all access by phone or e-mail to make sure there are no charges. Found out they have already put charges on me.

I am on SS income only. My wife is diabled, and we are full time care takers for my 4 yr old grandson.

My name was used fraudulently last year. Since then I have tried to fix this with the creditors. Equifax fixed the issue immediately. Transunion acnowledged the issue and modified my account to reflect the fraud. Experian completely blew me off. Within a day they determined I am wrong.

I had to get an attorney to fight the fraud in the first place. I have a letter from the attorney that I would love to send to Experian as my supporting documents but they won't let me. What use is disputing anything when you can't support your claim online and you can't mail them the documents.

I have a 3-in-1 credit report and a report number with Experian, but that is also not good enough for them. Apparently I have to purchase yet another credit report just to have a chance of disputing the report. Why is it that experian is actively trying to avoid doing their job correctly?

The primary affect is that I had my security clearance for the military revoked. If I cannot prove my innocence I will permanently loose the clearance, which means that I'll be seperated from the military. I will have severe economic damage from this.

I am in the process of trying to buy a house. TransUnion and Equifax report my history somewhat accurately which is in the Poor to Fair range. But according to Experian I have no history. My creditors report to them as much as they do the other two. The last few years I have worked to bring my score up but Experian showing no history is bringing our FICO score down. If I could get hold of a real live person at Experian I could probably get it resolved.

I tried using the dispute link on their web site but it always says there was a system problem and redirects me to freecreditreport. I will pay higher interest on my mortgage. The banker says we could probably get 6.25% if we get it resolved and as much as 7.50% if we don't.

I received a copy of my credit report to find the following items to be incorrect. I have explained the discrepancies in the numbered entries. This is NOT my account. I have requested supporting documentation from the company with NO response. I want this removed immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 168l et seq., I demand that these items be reinvestigated and deleted from my credit record.

Under the terms of Section 1681i of the Act, [they] have 30 days from receipt of this letter to verify this disputed information. In the event [they] fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. Also, pursuant to 15 U.S.C. Section 1681d of the Act, [they must] notify me when the items have been deleted. According to the provisions of Section 1681j, there should be no charge for this notification.

HAVING A HARD TIME GETTING A LOAN

I have a negative public record item showing up on my credit report that does not belong there and Experian refuses to accept my dispute and investigate and remove the item.

I have been denied employment and an apartment recently.

I received a letter from [their] company today about someone trying to use or change my credit report. I called both numbers from the letter and this got me nowhere. I would like to speak to a live person. What number do i need for this to happen.

I am extremly angry

I ordered my credit reprot and score on experian. When the report came up I noticed there was no credit score information. I called customer service and spoke with Nelli (Employee # 1161) who stated that unfortunately there is nothing they can do. They also refused to refund my money.

I paid for a service from Experian and they never delivered.

I have been trying to dispute a negative credit reporting that has been reported to Experian. I completed a dispute online. #1 There is not enough space to give a description of the problem from the consumers side. #2 My report came back stating I could add a statement to the account but I can't find any place to do such through Experian. #3 Nor can I find a mailing or email address to get help! It appears they want to avoid helping consumers at all costs!

My interest rates are higher to due this false negative reporting

I had been a victim of ID Theft while I was living outside the USA. I noticed it in 2005 while being at the University of Chicago. I notified the major credit card bureaus mailed them the police report, Affidavit, statements of witnesses. Equifax corrected my file and has been showing my correct clean report. I also had to take a few credit card companies to court to prove my innocence.

Experian is constanly neglecting my letters and does not allow me on their website to correctly dispute. They lack contact email address, only certain templates can be chosen and 5- 6 words may be added if approved by them. They are constantly increasing the debt amount and the number of negative items. How can I stop them if I can not make a statement. During the online dispute a sentence appears intructing one to write to them in the case of ID theft, and the process stops. The regular mail is answered, and they instruct me to contact the companies directly. They claim to have verified the account, although they were all opened at an industrial complex using my details and I kwow they can not have my complete details because I was never at that address. They also show some joint accounts with people I never knew. I could go on and on telling you about this terrible experience....

I had been refused to open checking accounts and I was not hired to the US State Department after passing my FSWE examination, also some Investment Banks turned me down after I voluntarily allowed them to check my credit report. I had to take to court several companies and I proved that I could not be the one they made business with. The signatures and certain details just did not match and I was also living and working in Europe at the time. Please, help to prevent Experian to report false data and make them to really verify all pertinent data to avoid reporting false negative items under my personal details.

I had been a victim of ID Theft while I was living outside the USA. I noticed it in 2006 while being at the University of Chicago. I notified the major credit card bureaus mailed them the police report, Affidavit, statements of witnesses. Equifax corrected my file and has been showing my clean report. I also had to take a few credit card companies to court to prove my innocence.

Experian is constanly neglecting my letters and does not allow me on their website to dispute. They also lack an email address, only certain lines can be changed online using 5 6 words. They are constantly increasing the debt amount and the number of negative items. How can I stop them if I can not make a statement,but I have to choose from their given sentences eventhough they do not reply. A sentence appears to write to them in the case of ID theft, however they send an answer to contact the companies directly. They claim to have verified the account, although they were all opened at an industrial complex using my details.

I had been refused to open checking accounts and I was not hired to the US State Department after passing my FSWE examination, also some Investment Banks turned me down after I voluntarily allowed them to check my credit report. I had to take to court several companies and I proved that I could not be the one they made business with. The signatures and certain details just did not match and I was also living and working in Europe at the time. Please, help to get Experian to report false data and make them correctly verify all pertinent data to avoid reporting false negative items under my personal details.

2005-By error an erroneous credit report was made to my credit. After noticing the error, I contacted the reporting company and three main credit reporting agencies. The error was corrected by the company and Equifax and TransUnion immediately corrected. Experian refused, repeatedly. They were warned, and then taken to court. They lost in court and were fined over $2,500 in penalties. Following that court decision the court notified them of the judgement against them. Even though Experian paid the fine, they basically said the judge was wrong! and they refused to removed the erroneous report! I notified them that by FCRA law they must inforporate MY statement of dispute into my record. They have refused this as well.

11-08 I was out of the US for a few years. I recently wrote them again as I returned to the US and they still report the erroneous information, and without my statement of dispute that they were sent, as well. I am about to take them back to court for non-compoliance of the FCRA, this time I will sue for $5,000.00. Experian also provided no meaningful telephone numbers to contact them effectively, nor did they process the 're-investigation' in a manner consistent to the 'standards of the industry'. They continue to try and act with impunity and do as they (incompetently) wish.

While I have a credit score of over 800, this blemish deminishes that score some.

Experian reports my SSN belonging to someone under 18 years of age. I went in to buy a used car and applying for funding through a credit union. The credit union would not process the application because Experian returned back information claiming my SSN belonged to someone under 18 years old. I was given a number to call, which did nothing. Then I was given more numbers, more recordings and more. They ask you to send in a bunch of proofs of who you are or simply get your credit report number and use that as a reference.

Well, I had no luck ordering the credit report. I was able to get my report from TransUnion and EquiFax with no problems at all. Online Experian would just return we have a problem messages and the send everything in. Here's my recommendation - whenever you are going for a loan, ask what service is used and don't give the company business if they use Experian. Tell them why. Maybe if they loose some business, they will care about accurate data and customer service.

I got a loan through another organization and the union lost my business. The car dealership had to wait longer as well. But it cost me hours of time and I don't know if Experian truly has faulty info or their systems are terrible.

I found an error on my credit report and disputed it with Experian, Equifax and Transunion - within 3 days, Equifax and Transunion emailed me that they found in my favor that the negative had been paid and notified me it had been taken off my credit report. I still have not received any notice from Experian - it keeps saying pending.

American Express uses Experian and I got a notice two days ago that they lowered my credit limit because of a negative on Experian credit report. The amount disputed was only $5.00 - I have never missed a payment or paid late on any credit cards in over 15 years and now my credit limit was reduced due to Experian's lack of promptness.

You cannot find Experian current mailing address to dispute your credit report. They are force you to use their online service, which you have to purchase current copy of your credit to dispute online.

They state you can dispute online or writing them, however they don't provide mailing address until you purchase credit report. You should be able to dispute credit report for free, which isn't free if I have to paid to get a mailing address.

I am outraged, as I received a telephone call at 7:00 p.m.(10/22/08) from Brittney, who stated she works for Experian Credit Servcies and understands I may be looking to purchase a new home or refinance a mortage. I told her it was none of her business and hung up. I checked my caller ID and the above number came up. I called it back and Brittney answered, so I asked her where she acquired any of my information and she said that Experian shares credit infromation with them [Jennings Enterprises].

I informed her that she just previously stated and passed herself off as working for Experian, which I believe to be fraud and I would report both her company and Experian for sharing any of my information. I told her I was recording the incident, which I did immediatley in pen and ink to retain the exact time and facts of same.

I want to know if it is legal for Exerpian to share any credit information with a third party for SOLICITATION purposes. My understanding of the credit bureau services systme is that they are to share only with potential lenders at the request of the potential borrower only. When did third-party solicitator become privey to that type of information. Also, is it considered FRAUD for Brittney to pass herself off as working for Experian? I want to know if I should file a formal complaint against both Jennings and Experian or if they were within their legal and ethical boundaries for this soliciation. Thank you for taking the time to review and comment.

I am a victim of the BNY Mellon Bank lost tapes that contained personal data of some 12 million persons. I was offered free credit monitoring for two years as a form of compensation due to Mellons negligence. When I applied through Triple Alert, I was told that my social security number did not match the number that Experian has in their databank, and therefore the protection service could not be activated. Equifax and TransUnion have the correct data.

I cannot tell you how many phone numbers I have called or the number of customer service representatives I have talked to trying to correct the problem. None of them knows how to handle the situation. One suggested that I send for my free annual credit report and correct the information that way, but of course they wont send it to me because I am supplying erroneous information i.e. the wrong social security number. A catch 22.

Finally, I found some information on line that stated I would need to send Experian a certified letter with a copy of my social security card, Connecticut state drivers license, Medicare card, or another government issued document that contained my personal information. I sent the certified letter stating my issue, along with the personal documentation. I received conformation that the letter had been delivered. The receipt was dated July 15, 2008. I have not heard from them since.

I continue to try to activate my account with no results. I get the same answers from the service reps that I talk to. In the mean time, I am at risk of having my identity stolen due to Experians lack of action. I have not been able to talk directly to an Experian employee. The Experian phone numbers I have been given are completely automated, no human beings on the other end. Short of hiring a lawyer, I do not know what to do next. Whatever help you can provide will be greatly appreciated.

I am at the risk of having my identy stolen if this issue is not resolved.

My Son recently applied for a free on line credit report from Experian, apparently they go by name and address not only ss#. Consequently he received a copy of mine and my husbands credit report as he is a Jr. We feel as tho our privacy has been violated. While he and his girlfriend and her mother tried to figure out what these accounts were about they found that they were ours. We were embarrassed and felt the need to explain circumstances they had no business knowing about. What are our rights to privacy!

Since we have settled with all past accounts and put that part of our lives behind us we felt my son and his new family had no business knowing about these accounts. This has caused a rift between us since there were accusations from him that proved false but will never be forgotten.

I had wrote a letter to the attorney general;s office complaining about experian's neglect by keeping unverified information on my credit report, I received a response from experian about the letter I wrote to the attorney's generals office stating they have investigated the accounts in question and the were verified, I spoke with Mr. Alfie K on October 15, 2008 about the letter requesting information about their investigation process, and making him aware of my own investigation into the accounts which he stated were verified, i explain to Mr. K that I wrote to each credit grantor requesting verification of debt alledgely owned, these credit grantors could not verify the account as owed to me,

I made Mr. K aware of this but he stated they verified the accounts with experian, I'm curious of how they could verify this account with experian and not with me, i do not believe experian takes the time to verify accounts correctly and allows false and fraudulent information to be placed on people's credit file without proper investigation, experian needs a class action law suit against them to get the point, they can not continue to place and keep unverifiable information on someone credit without proper investigation, also it was stated to me that experian verifies information by name and social security number,and a automated system,there needs to be a paper trail along with the account so we can be protected against ID theft. As long as experian keep using substandard requirements to verify we all are not safe with experian as a credit reporting agency

The damage I'm facing due to experian is high interest rates, not being able to build credit, and not being able to get the jobs available to me with my education

I am having a hard time locating a physical address for experian. I am trying to clear my account from debts I paid off years ago. this is so frustrating because I am trying to buy my first house.

i was offered my credit score. When i got it, it was not a fico score but some proprietary credit score called Experian VantageScore. It is NOT the same as a FICO score and I feel like i got a bait and switch job.

There are 2 derogatory items on my Experian credit report that I've disputed twice and they remain because they're verifiable. These idiots always claim that its verifiable. The one collection account that I disputed, I called the agency and requested documentation of my signing something and they could not provide it. So exactly how did Experian verify it? This score is always the lowest and it is ridiculous. They need to be monitored by a regulatory agency. They don't care that they are interfering with people's livlihoods when they report incorrect info.

I disputed online with Experian again and was able to find a physical address to send hard copy disputes. You do not have to purchase the 3 in 1 to dispute. There should be a link that takes you to the dispute center and you get a FREE copy of your report.

My credit score has dropped drastically and I'm an accountant who will not be able to get a job as a Controller because of my score!

I got a phone call from a collection agency just days after I checked my "free credit report" from Experian's website.

I found out that I had been put into collections from a bank account I had several years ago, because of charges from Experian for my "free" credit report. I incurred overdraft fees from the bank because I no longer used the bank account Experian was charging monthly (without my knowledge)and there was no money in that account.

The same day I got the phone calls from the collection agency, I checked my current bank account to make sure they hadn't charged me this time around, and low and behold.... there was a new charge for the new "free credit report" that I had just signed up for days earlier.

I called the company, and they said that the manager was busy with another customer. I told them they needed to take a message and have the manager call me back, and no one ever did.

Experian has comingled and scrambled the infomation in my credit report. I went through this 2 years ago, and they had gotten it corrected, and was still ok as of 7-2-2007. Now, as of 8-5-2008 they show 34 accounts of which 12 are mine, but 22 accounts and much personal infomation appears to be from my Son's credit file. They have also scrambled names and dates as well as spouse names. T

he TranUnion and Equifax files appear to be ok. This is clearly a result of Experian negligence. I did speak with a person at the FTC that indicated this is not an uncommon problem with Experian. I understand this could be a legal issue and am curious if any class actions suits are pending.

The time and effort expended and the aggravation in getting the files corrected plus minor mailing expenses are the only known damages to date.

I ahve copies of my credit reports as far back as 1998. On my 2001 report from Experian, is an old credit card debt that is more than 7 years old and Experian nor TransUnion will not delete this item. In addition, it was re-inserted without notice and show as if the account was opened and 120 days late.

For the last 5 years, I have disputed several items in writing and to avail, my correspondences have been ignored costing me several chances at purchasing my first home.

I have called and asked for the montoring dropped because I did not order it and they are still chargeing it to the account.

On 2006 I purchased a 3 in 1 credit report on line. I corrected all information that did not belonged to me, by writing to the other credit reporting agencies (Equifax & Trans Union)which corrected said wrong information.

However, we were never able to write to Experian because they do not facilitate an address where credit dispute can be directed to. Experian only accepts dispute on line, by forcing you to purchase a credit report from them & only them.

This I said, because the 3 in 1 report I've purchased on-line, even though included Experian's files,was not accepted by Experian (as valid) for disputing the info. which still is in Experian's files.

Experian should facilitate an address to which we could write to dispute wrong info. on our credit files.

At the present time I've refinanced my house, and Experian's report on my files still has wrong info.

I recently (9/7/08) purchased another 3 in 1 credit report on line, and found out the mistakes which ONLY Experian has. This is costing me a higher interest rate on my mortgage and my car financing. Please, Shouldn't we have the right to wright to Experian without having to purchase a credit report from them only?

The other credit reporting agencies do have such an address. Please look into this matter. Thank you very much..

I signed up for a free credit report. They must have used my information to sign me up for a monthly plan that was taking 12.00 US from my account per month. They refused to give me a refund and told me about their no refund policy. I demanded my money back telling them I did not agree or sign up for any service and I also did not accept any service!

My bank account suffered overdrafts due to unexpected withdrawl which my bank notified me as being bank charges at first.... little did they know other people are scamming my money besides them...

The other 2 agencies, already have complied with our requests, but not Experian.

My brother is re-financing his home, and still appears in his credit report incorrect information, but only from Experian. This is costing him money in the form of higher % on credit.

This time, the report contained a large quantity of accounts (open/closed/past due) that did not belong to me. However, the account information was under the Experian data (remember-I pulled an Equifax report). I contacted Experian and discovered they had crossed my SSN with another individual. The analyst told me this person had similar name and had lived at the same prior address; their apartment number at the prior residence was also nearly the same as mine. They proceeded to correct my credit file by separating his data from mine. Since submitting the corrections, I received another updated report that seems to indicate they corrected their mistake.

I spent hours making phone calls to research the matter, which caused me to miss work. Also, I am in the process of purchasing a home but will now have to delay that transaction by weeks to confirm that my credit file has been restored. This could have an impact on the financing terms offered to me, as well as my eligibility for the loan.

my credit was messed up. wrongful information was put on my credit report due to carelessness. my social security was not acknowledge and the wrong information was put on my report and i havent ben able to reach anyone, or get my phone calls returned

i was not able to enlist into the air force

i've contact the credit bearues telling them that the reporting need to proof or remove the item on my credit report but they say all they need to do is verify

i'm hurt in the fact that I paid higher prices for item such as insurance etc

well experian doesnt want to even talk about removing my old accounts. some of them have been on there sinced 1990. thats over 18 years. count it up from 1990 to 2008 and its been over 7years

my credit score was 665 and fair and now my credit score is 582 and poor and i only have one thing that i owe still yet on there and that isnt even my debt. the amount on that is 245.00. please help me if you can thanks

I subscribe to Credit Expert for a fee. One of the services reported is my credit score. I just found out that the credit score reported to me, is not the same as reported to (for example) lending institutions. Their disclamer talks about different institutions having different models, but no where do they say that the credit score they report to the consumer (In my case monthly for a fee) is different than to 3rd parties.

This is very deceptive. One of the main reasons to subscribe to a credit service such as Credit Expert, is to monitor your credit score. To find out that score is not the one being reported is very misleading.

I had a collection agency on my report report in 2006 however after numerous letters back and forth Collect America LTD has agreed to remove this collection from my credit report. I do have a signed letter from Collect America which a copy of has been sent via fax, mail and email to Experian to have this account removed. Experian has refused to accept my dispute of this account to have it removed. Collect America LTD has done their part by agreeing to have the account removed however Experian is constantly refusing to even dispute or look into this account for removal from my credit file.

Since this account has not been removed I am unable to apply for 2 car loans which has caused significant damaged to my credit report with inquiries and denials. It has become very difficult to obtain high limit cards or personal loans. This account must be removed from my file.

EXPERIAN will not allow me to temporary lift my credit freeze. A credit freeze is a right I have as a NYS resident. The other two credit agencies have been no problem in lifting the freeze, but EXPERIAN has made it close to impossible to lift my credit freeze as allowed by NY law. This company should have it's practices investigated.

I could loose a deal on a new car by this problem. The gov should look into EXPERIAN credit practices and they will find that they cant sell the credit freeze peoples info so they make it very hard to lift a credit freeze.This has created a economic hardship for me and I expect my gov representatives to act.

I could loose a deal on a new car by this problem. The gov should look into EXPERIAN credit practices and they will find that they cant sell the credit freeze peoples info so they make it very hard to lift a credit freeze.This has created a economic hardship for me and I expect my gov representatives to act.

I have tried to dispute, 4 derogartory alerts on my credit report, on line but youron line service said I needed a credit report from experian. I have tried to obtain a free report from experian on line, but they said it was not available to me. Since I am a member of another credit report company I have received these derogatory alerts from experian and have no way of disputing them. I feel that I should not have to pay for a report because of an error on your part. If, you would check the social security number and date of birth on these derogatory alerts you would see that they don't belong to me. I have called one of the commpanies that that made the claim and was told to notify experian

I've tried to contact someone over the phone to see if they have received my request to freese my credit and it has been impossable. There are different phone numbers and they provide automated information but none of it pertains to what I am calling about. This is very frustrating. My credit card does not show a charge for this freeze I requested, so I am concerned that the informaion I sent to them has fallen into the wrong hands sense the information they request for this freeze could be of value to crooks. This was sent to them about 3 weeks ago and I still haven't heard from them. Can you help?

since 2004 i have ben trying to get a paid repo off my acount with experian.they never reported this acount acrute from the very start 1999 to this day it is still on my report. i sent them a copy of all the orginal papers they took that and updated my report after all those yrs reporting it incorect and now its being reported wrong again wrong dates ext. it is a paid charge off

i paid it in 05 so they are telling me that started the clock over for a nother 7 yrs.i am lost i really am tired of this company. i have tried to corect it but when i feel i have corected one thing something else pops up like miss spelling of my name and adress ext. i feel like i am being targeted over this . are these people working to hurt peoples credit or what? this is really unfair.

not being able to get a loan low credit score

I signed with them 3 times I complained about the things on my credit report that were not mine. One time I got someone elses information and social security info! I know someone else was suing my social security and name I just can't porve it there are so many things on my credit now I can not fix it! There are things reported wrong like for instant loans I had paid off and good standing loans. also, credit cards I never had in different states! Something called Premiere which IDK what that is. also, some kind of schools and all kinds of inquiries. I went threw the BBB for help and all I got was my money back from the website! I can't buy a new house, get credit or a new car!

On 4/10/08; My friend wanted to get her credit report while she was at my home. We went on-line and requested a ONE TIME credit report via an Experian Site and gave my DEBIT card number for the one time charge of $14.95. Lorna Clarks Credit REport; Diane Cassitta to pay by Debit card # We not only DID NOT GET her credit report, but they (Equifax)have billed my checking account for three full months now.

I called on 4/11 and spoke to a rep. who said they would credit my account. However, the following month I was billed and called again, and had my friend come over because it was her SS # and we both explained and was told they would credit my account. But instead, they billed my account again, so we called again and they said they would credit my account, but again they billed me...

Now they want my SS number and my bank records where I was charged. I am outraged at such fraud. They know they charged me, why should I give them my bank statements.....they won't even give me a last name, or an address, I know this is purely fraud.

IT IS EXTREMELY FRUSTRATING; time consuming, and fraudulent to charge me 3 months in a row without my authorization for anything...I rec'd no services, my friend never got a credit report....how can this continue... They must be doing this all the time... sounds like a class action law suit to me. can You help me?