Experian

Daryl of York, PA February 6, 2010

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 personal 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 order to make sure that they are providing fair and prompt services to their clients. Otherwise, this will go on forever. Thank you.

christopher of Trenton, NJ January 25, 2010

I recently checked my debt card bank statements (which I should of 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 can not be blocked, because the company was charging it through my ATM Debt 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 a email out today to Experian & got an automated email back saying to refer to there 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.

Katherine of Monticello, FL January 22, 2010

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, adverstises

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 deliquencies 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.

david of scottville, MI January 18, 2010

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 reverify. also they have changed the off date on one of the other items. twice now if was suppsed to be off in oct of 09. now it has changed to feb 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 please help.

tim of san jose, CA January 4, 2010

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.

Delia of Maspeth, NY January 4, 2010

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 ask them for my Annual Credit Report and they told me that I need my credit card number and thatI 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.

David of Warren, MI December 30, 2009

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.

Cristina of Scottsdale, AZ December 25, 2009

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.

Dannielle of glendale , CA December 20, 2009

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.

James of Spartanburg, SC December 8, 2009

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: "In accordance with state legislation and pursuant to your request to have a Security freeze placed on your Experian Credit Report, we are required to notify you that within the last 30 days changes to your name, address or Social Security Number have been posted to your account." Later in the letter, they said I would need to have my "unique Experian password" available if I called to learn more about the letter.

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.

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