ExperianConsumerAffairs Unaccredited Brand
After waiting on hold for over 2 hours and being hung up on, and then tried calling all different times of day to be told every time that the wait is over 2 hours, I tried what previous reviewer did about hitting different numbers till finally I was put right through to a customer service rep. Took me less than a minute to cancel. The sequence I used was 0,#,*,7, not sure if it was the number of different keys attempts or the 7 but it works. Once you put in your personal information, do not select one of their options. Do the above instead. Thank you to that previous reviewer, saved me a lot of stress and time!
I’m going through my bills and notice a charge from Experian! I never signed up for any service. I’m appalled to see a recurring payment of anything. I stumbled upon the website with an offer to view my credit score. From my understanding, consumers are allowed at least one free check a year. I checked mine and now I’m being scammed by Experian. I never expected this from a reputable credit bureau. I’ve checked my emails and see nothing of a paid membership enrollment or any receipt. Even looking through the site, I don’t see any receipt or invoice. I’m flabbergasted. I had no clue I was being charged for anything! I can’t add a receipt to be a “verified buyer” because the only evidence of this transaction is in my bank statement.
If anyone is wondering about canceling. Just call their number and after entering your information just keep pressing 0. It will connect you to a customer service rep. My wait time to cancel was over 2 hours. Hung up, tried my method and then wait time to speak to a rep was just over 3 minutes. Spent less than 2 minutes on the phone and membership was canceled. I have no idea why they intentionally make it this difficult to cancel. Would not recommend or use them in the future. Deceptive practices.
After receiving multiple "alerts" from another "trusted" monitoring service, I wanted a copy of my credit report. Only way was to get a $1 "trial" that I could cancel anytime. Later that day finding out that the credit alerts were a "mistake" I went to cancel the Experian trial "membership". Only way is by phone. I am one of the fools who has now been on hold for 2:15:48. There is no other option for cancellation and you never get an "experienced customer service specialist". Although it is not an option, I have written a letter to ConsumerInfo.com. Attn: Customer Care. PO Box 2390. Allen, TX 75013 as well as reported them to FTC and canceled any future charges by them to my credit card.
Experian makes it very very difficult to cancel a membership, But I did find out how to do it. After trying to contact them on the phone for hours and nobody ever picks up, I found out that there is a way to cancel the membership online. They just never tell you how to do it or if it is possible to do so. They make you think you have to call or write to cancel which is not the case. For everyone who needs to cancel their membership sign in. Then in the top right corner click on your initials. Then on the left click on my membership. Then click on update online which is on the bottom of the page. After clicking update online click the option that is free no charge and that's it.I really wish Experian would let everyone know how to do this. It causes so much stress.
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You all literally echo my thoughts and frustrations with Experian. But I would like to share with you all what I did that worked for me to at cancel my subscription. When you call Experian first you are asked questions to verify your account. After you have answered the personal questions you will start to be asked questions to determine why you are calling. DO NOT I repeat DO NOT follow the prompts leading to “cancel my subscription.” As soon as the automated system started asking the questions to determine why I was calling I began pressing random numbers that weren’t any options being given (#, 0, *) in hopes it would just transfer me to a rep, and guess what it did. I was on the phone and canceled all within five minutes.
When I followed the prompts to cancel the subscription I was on hold for 2.5 hours before I hung up. Then I tried what I just explained. Don’t let them tell you they can’t do it, they can! I was never put on hold or transferred. When my call was answered I told her I wanted my subscription cancelled. I had no interest in hearing any new promos, and she cancelled my subscription. I also received an email regarding the cancellation. Hope this helps.
The cancellation process is unnecessarily cumbersome and difficult. I have been on the phone for over 40 mins and had to hang up... Now on the phone for another 16 mins so far... Also not able to log in to the service account.
Same as everyone else. The only way to cancel is via phone. Called this morning to cancel at wait time was 2 hours. Amazing that Experian continues to get away with this. To add insult to injury they are making money with our information.
Like many of you, I was pulling my hair out unable to get through by phone to cancel my account. I was fuming over the scam they are running. You can sign up in a few minutes but it is pretty much impossible to cancel. I never got through by phone or email but it struck me that they probably have a Facebook page. They do and I found it. Left a comment calling them bad things and suggesting that their management should be in jail.
The comment disappeared and I got a pop-up that said the comment was under review (I assumed they would just delete it). But just shortly after, my comment actually showed up, including my profanities, and there was a response asking me to send them a note through FB messenger. So I did and the woman I chatted with through messenger closed my account and refunded the last charge... instantly. No problem. Finally happy this is over, but I feel bad for the literally thousands of people who didn't find this approach. I hope this helps people.
Every year, I check my credit report, and I pay a fee (usually $4.95), to receive my credit score. This year I found, to my surprise, that I had unknowingly signed up for a $19.95 monthly fee to be a "member" of Experian. I was scolded by the customer service representative, told that I should have read "the fine print"! I demanded a refund for the two months that I was charged. After much debate, I stuck to my guns and was told that I would be issued a "one time courtesy" refund. After checking my email, I found that the company was only issuing a refund for one month. When I called back and questioned this to a different customer service rep, I was scolded again and told that it was very generous of them to have even issued a refund at all as I obviously should have known what I was signing up for.
I requested to speak to a manager, who scolded me yet again, by telling me that the first customer service rep. was kind enough to have cancelled my paid account, reimbursed me for one month, AND signed me up for a FREE monthly service. She acted like I should be really grateful to the Experian gods, and how stupid I was for not understanding all this when all I wanted was my credit score, and to pay the $4.95 like I do every year. When I persisted, she said that it is "company policy" to only issue a one month refund, and if I was unhappy, that I should contact my bank to try to recover the other month. She reiterated my "new, FREE membership" that was so valuable and so nicely bestowed upon me by the great Experian, and if I didn't like it, she could cancel that as well. What a deceptive, underhanded, and just plain nasty business model. As others have stated, Experian most certainly does suck!
I see now by reading this forum that I am not the only one experiencing this kind of problem. In February 2018 I signed up for a trial subscription with Experian and I tried to cancel by phone before my subscription expired. Even though they claim that I can cancel at any time, it is not true. I tried dozens of times in the course of a week, at different times during the day, and I was simply not able to get through to them. Then I wrote them a letter with my account information asking to cancel my subscription immediately. More than two weeks later I got a letter from Experian regarding my letter saying that "the information that you provided was not eligible"... The letter was typed in Word and printed in a very good printer! My gosh, I realized that these guys are nothing short of crooks! The agency that is supposed to, among other things, protect their customers against fraud, is defrauding their own customers! Unbelievable!
I purchased what I thought was a one time credit report from Experian. My account was continuously charged 24.99 every month for a year before I noticed. Once I was aware I made multiple attempts to contact them by phone (there is no customer support email). Each call the wait time was stated to be 2+ hours. The third call I decided to wait them out, since there is no other way to cancel this useless service. 2 hrs and 40 minutes later someone on the phone states that she cannot return any of my money but is willing to cancel my account. Do not use this company. They charge for something that is free, and they make it impossible to cancel the service. If I could give them zero stars I would.
After reviewing all the complaints, I don't understand why the Federal Trade Commission or some law enforcement agency doesn't investigate Experian? Similar to all the complaints posted, I paid to freeze my credit and yet when I checked the Experian website, they UNLOCKED it without my approval. Their website is absolutely useless and all they do is SELL SELL SELL products!!! Why the hell would you want ANYTHING from Experian when they can't even handle a simple LOCK/FREEZE. Customer service is non-existent... currently on hold for the last 1.5 hours and still waiting... placed the call immediately when they opened.
I signed up for the credit review program which I was ok with UNTIL it came for renewal. I received an email that said my debit card could not be billed because it was inactive. Ironically my debit card was deactivated due to a security breach. The next thing I knew I received an alert from my bank saying that a charge of $21.95 was made by Experian! Where did they get my debit card number? I sure as hell DID NOT give it to them!
They abused their standing as a credit agency to ILLEGALLY gain access to my debit card & even went so far as to change my number on my profile! I CAN'T DELETE MY DEBIT CARD NUMBER NOW! As everyone else has stated you cannot delete your account without calling them & staying on hold for ridiculous amounts of time. I will be sending a letter to the Attorney General of my state & contacting the consumer reporters for my local media as well. EXPERIAN IS SUPPOSED TO PROTECT YOU FROM FRAUD YET THEY'RE THE PERPETRATORS! THEY LITERALLY STEAL YOUR MONEY!
The website states that your credit report is free but if you want to FICO score it will be an additional $1 charge. Experian then charges you $21.95 per month for a membership that you never signed up for. The website is created that way in order to deceive consumers into thinking that they are only spending $1.
First of all... This is not Credit Lock. I was a victim of credit fraud. Both TransUnion and Equifax have frozen my credit, except Experian. A few weeks ago, I received a credit card I did not applied, they were able to pull credit from Experian. When I try to contact Experian, the auto attendant is forcing people to key in their Social Security Number. That is logged in plain text on the phone server that doesn't have the same level of security as the Application and Database Servers. So I have always refuse keying in my Social (you should too). Anyway... They are forcing people to subscribe to their Credit Lock Service so they can charge you. Credit Freeze is free or $10 one time fee. Experian, Equifax and TransUnion are all making it difficult for you to do this... they all want you to pay $19.95 per month per person.
One of the worst bureau ever... I had been try to set up a online account with them over 3 months by now. Online set up not working, but junk mail start flowing like crazy. Their customer service & phone system not functions, wait time on customer service is over 3 & 4 hours & when they answer all they do push to buy a plan... Do not deal with this company. They do not response to any request. Just a pain... If there was a - star they would get over (-10).
First, they trick you into signing up for a monthly charge when you think you are only paying $1 to get a report. Then they make canceling almost impossible. Only way to do it is by phone and you are left on hold for hours. Ridiculous. Avoid this company at all costs!
Have you ever tried calling them. I did, when they had the big issue and they said my account was compromised. Did I ever get to talk to them? NO! I tried to put in a dispute today twice but it keeps saying there is a problem and to call, so I did and the message says I have a 2 HOUR WAIT TIME. If this is service they need a MAJOR overhaul.
I contacted Experian and my bank about Experian billing my bank account. I have a free account but getting charged $19.99. After trying to run down my card numbers, Experian still had no record. I contacted my bank and told them to stop the payment. They said that the debit from my bank account is posting as POS so my card has been hacked again. Probably Experian is NOT getting this money. PLEASE CHECK WITH YOUR BANK AND HAVE THEM STOP PAYMENT!! I am giving Experian 2 stars because of the 2 hour wait to talk to a representative!!
On 12/18/2017 I agreed to a $1.00 credit card charge to access my Experian credit report. It was posted on 2/19/2018. Subsequently, the following charges from Experian have been posted on my credit card: Post Date 01/02/2018 for $21.95, Post Date 01/30/2018 for $21.95. On 02/27/2018 I called Experian customer service (1-855-962-6943) to ask what these charges were for. In response to the questions asking why I was calling I said yes to wanting to cancel. The recording response told me I have a three month free membership, and then said "goodbye" and hung up. I then called the number shown on my credit card charges (1-866-751-1326). This time I stated I had a question about my membership. I was advised the wait would be over an hour, so I hung up as anytime after an hour could be several hours.
Today, 02/28/2018, I mailed a letter by Certified Mail Receipt to the contact mailing address shown on their website, which is ConsumerInfo.com, Attn: Customer Care, PO Box 2390, Allen, TX 75013. My letter states I have never agreed to the charges, and their recording stated I have a free membership so the charges are not valid. I asked for immediate action to issue a credit of $43.90 and to cease making further charges on my credit card. I gave them my name, address, home phone address and email address.
Once you sign up, forget being able to cancel. It is unreal how long you have to hold. They won't allow you to cancel via the website. So, you call, and it's 1-2 hours on hold. It's just a scam so you give up, and they can keep charging you 25$ a month for their ripoff service.
I signed up for this service over a year ago. I had some disputes on my credit report I needed to take care of. While it is nice to be able to log in and see your credit score anytime you’d like, you can never cancel! I’ve been trying for months. You call like they say (you should be able to cancel online same as you can sign up) but they make it impossible. The wait time on the phone is always over an hour even 2 hours to get through. I’ve been emailing support with no help. They type my name, then they ask for me to give them my name (obviously already did that). I’ve given them my log in info, my account number and my name. That’s not enough. It’s a complete racket. They count on people giving up. It’s 24.99 every month. DO NOT give them your credit card. I’ve even canceled this debit card and they STILL debit it!
After I cancelled my membership they continued to take money from my cc. When called them they said, “Well we don’t have any documentation that you cancelled so we can’t refund your money.” I had confirmation date but that didn’t work. The rep. and the manager was very rude. I lost 45.00 but I will never use this company again. Everyone beware and keep a close eye on your credit cards and debit cards.
They say you can get a free credit report and lock down your credit for a dollar but it is a scam. They bill your credit card even though it does not say it will. When you try and stop the monthly charge they unfreeze your credit report. Their online tool for freezing without the membership is designed to fail, so you have to mail in a credit freeze request which is then delayed. All this is to scam you for the $23 a month fee... Don't fall for it. Plan on mailing in your request for a freeze. Even when you do the they will email you and say it is unfrozen when it is not!
After setting up the account, paying the ~$1 fee and getting my credit report, there was no place showing that I have been putting on a membership for $23/month. There was an "upgrade" button which I never clicked. That button gave me a false impression that I was being put on a default, free, membership. It's so ironic that a credit reporting company can do this very non-creditworthy things.
I signed up for the trial period membership and I've tried to cancel but there is no way to do it. They've been charging me around $20 a month for over a year now and you can't cancel online. When I call the automated systems says I am enrolled in a free membership and hangs up on me (which is wrong). You can't get anyone on the phone (wait times are between 1 and 2 hours) and they haven't responded to any of my email requests to cancel my membership. Complete scam, they've stolen over $400 of mine and there is no end in sight. I am considering canceling the credit card that Experian has access to. Any suggestions? This should be a class action. Experian is a complete fraud, I've never had such an experience with a large company.
I just froze or locked my reports on all 3 credit bureaus. I saw on the news awhile back about Experian being dishonest. From the minute you log into their site they try to get money from you. It is hard to find where to just freeze your account. I live strictly on Social Security and do not have $20 a month to buy their Credit Lock App, which is easy to use. I finally was able to freeze my account, but living in CO it will cost $10 to temporarily unfreeze it if I try to get a job or a new credit card. The other 2 credit bureaus... TransUnion... and Equifax... Are wonderful and charge $0 for this instant lock/unlock service with an app for your phone. This is $0 for LIFE!!! Equifax is the worse, old-fashioned money rip-off bureau!!! Don't be fooled by anything they try to sell you!!! STAY AWAY UNLESS YOU REALLY FEEL YOU NEED TO FREEZE YOUR REPORT and don't believe you will need to unfreeze it anytime soon.
TERRIBLE Customer Service. I called about my account and was told I would be on hold for an hour. I actually waited well over 2 hours and still never spoke with anyone. I had to leave so had to hang up. I did write a letter since you can't email them, but what would happen if I had a serious problem? And yes, I am a paying customer. (But not any longer.) Putting customers on hold for that long is totally unacceptable. I can't believe people and banks rely on these people.
I have tried for many months to cancel my 24.99 per month account with Experian.com. The hold times exceed 2 hours and the customer service number listed will disconnect you and not let you speak to a representative. I have sent an email but have no response yet. This is disgusting considering they made it so easy to sign up for their service which I've had over a year. This was AFTER I became a crime victim and now I feel like I'm being victimized all over again by a cancellation policy that doesn't allow for its customers to end memberships. What a rip off. I wasn't that unhappy with the service until I needed to follow their own posted operating procedures for assistance. What a total waste of time and money. I will never return and tell EVERYONE!!!
Experian expert review by Barbara Friedberg
Experian is a leading global information services company providing data and analytical tools to clients worldwide. The firm helps businesses manage credit risk, prevent fraud and more. The company assists individuals against identity theft. The company offers an abundance of services for individuals and businesses. They have over 17,000 employees in 80 countries.
Low cost: Experian charge customers $1 to receive an Experian report and a FICO credit score along with a seven-day trial period. If consumers don’t cancel within the seven day trial period, they will be billed the monthly fee of $21.95 for each month they remain in the program.
Experian Credit Tracker: This product features an Experian credit report, FICO ® score, credit monitoring with alerts and a dedicated fraud resolution team.
Experian ProtectMyID: This product offers an Experian credit report, daily ID internet scanning, 3-bureau credit monitoring with alerts and a dedicated fraud resolution support team.
Experian Credit Report & FICO Score: This offering features an Experian credit report and FICO score.
3-Bureau Credit Report & FICO Scores: This product gives the consumer a credit report and FICO score from each of the three credit bureaus.
Additional services: If a consumer is denied credit, Experian can help him or her obtain a credit report. Experian also assists with online credit report disputes.
Business services: Experian offers a suite of services to assist both small and large firms with their credit and security concerns.
Best for: Victims of identity theft, those with debt and credit issues along with consumers considering a major financial purchase.
Experian Company Information
- Company Name:
- Year Founded:
- 475 Anton Blvd.
- Costa Mesa
- Postal Code:
- United States
- (714) 830-7000