Experian Reviews

I have zero issue with Experian's credit monitoring. Other than the FICO site and various credit card benefits, this is the only bureau that provides a FICO score, most lenders use. BUT I recently opened a Smart Money Savings for the 4%. WORST INTERFACE WORST CUSTOMER SERVICE EVER! Had problems transferring money from the get-go. Withdrew it all without closing and forgot I added as one of my accounts to deposit directly from my paycheck. Set it up from my payroll, not through them. So I decided to try again for some reason. Transferring funds to or from is a joke. I transferred 15K from another bank to my EX Smart Savings, and they only credited 8K. After finally getting through to someone in customer services and listening to the long-winded scripts they have for every statement you make, I was told there was a limit for daily, weekly and monthly transfers TO them.

The worst customer support in the history of customer support! Impossible to get a live person to dispute unauthorized charges! Stay far away from this company!

Experian is a complete waste of time and money. They have such horrible security when in fact that is the reason you have an account with a credit monitoring company. My account is hacked REPEATEDLY and then you cannot get anyone on the phone. And when you do, they will not know how to fix the problem. I've literally have had them say this to me. They just repeatedly transfer your calls (I've been on the phone for over and hour at times) and no one ultimately resolves your issues. Or if they do, your account gets hacked again and you start all over. DO NOT TRUST THIS HORRIBLE COMPANY.

Experian sends me an email whenever my credit drops a few points with normal credit card usage, but they make it sound like a warning, as if someone else has used my credit cards: "YOUR FICO SCORE DECREASED," with "DECREASED" in big scary red letters. They tell me to visit the notification center to see what is going on. But when one does sign in to their free account, they try to trick you into signing up for a paid subscription to their advanced monitoring services (even though I already have a freeze set for all 3 bureaus). One can easily sign up for their paid service without even realizing they have done so. Only at the very end of the tricky application is there a link in small letters saying something like "Continue on without increasing protection." Click that if you are just checking to see how much your FICO score supposedly dropped. No need to buy their additional protection. Why isn't there a class action suit against this scam company?

After disputing an account 3 xs that was on my report. In my dispute, I informed Experian under 506b that it was illegal to report incomplete and inaccurate information. I spend 2 hours talking and explaining that it was not correct. They said that it was verified. I asked how it was verified if I have a letter from the creditor that was not complete. They said they can't give me that information, and they won't remove it. I talked to TransUnion and within 48 hours, it was removed. Experian is the worst credit reporting company. Also, I am moving on with complaints to cfra and then they stopped me from filing disputes.

So we were on hold for 1 hour trying to figure out where to send paperwork to get a credit report on our dead father. They told us to use the upload document. We tried and then said you have to mail it in. Who in this day and age mails off death certificates, and wills? Worst ever.

One of most worst credit bureau. It's been more than 45 minutes I am trying to contact customer service, that why my points dropped but there is no way you can talk to agent. There is no option that they can transfer your line to speak with an agent.

Warning: Do not trust this company with your data. After my accounts were hacked, I discovered there is no way to actually contact a person. You are stuck in a loop of automated responses while they simultaneously have the audacity to ask for an upgrade fee. Paying them anything is an overpayment for the "service" they provide. Truly one of the worst customer experiences I've ever had.

Worse customer service than the old cable TV companies. Attempted to call for the purpose of temporarily lifting a freeze. Many phone calls and many hours over several days and never was able to reach a live person. The robo answering system would simply hang up if I asked for a live person. Tried on-line. I do not have a smart phone to activate a link. Requested a one time PIN by voice. When Experian called, their system did something to my phone. It did not ring and went to voicemail without my knowledge so I did not receive the PIN. The phone had been in use all day without any problems. I then found that all subsequent incoming calls were going directly to voicemail without ringing. Turned off the phone, took out and reinstalled the battery.

BE AWARE OF EXPERIAN SHADY BUSINESS PRACTICES; Experian promoted a “no approval, no ding” offer that convinced me to apply for a credit card, AMERICAN EXPRESS. What they DO NOT TELL you is that the BANK still performs a HARD INQUIRY even if the APPROVAL IS USELESS. I HAVE A CREDIT OF 730+ and I was approved a USELESS $1,000 limit — something I never needed — and the hard pull DROPPED my score. If I had known this, OR IF I HAD READ THE NEGATIVE REVIEWS ABOUT EXPERIAN, I would never have applied. Experian should not advertise WHAT they CANNOT CONTROL. This feels DECEPTIVE and HARMFUL to consumers trying to protect their credit AND FINANCIAL HEALTH.