Experian

A few months ago I was alerted by Experian that I could help my FICO score by adding things like my rent, heating & electric bills. I took advantage knowing all are paid on time. The following month I was alerted my FICO score has dropped over 8 points without clear explanation as to why. I didn’t think about the BOOST program because I understood it would take 3 FUTURE payments in order for them to track & include in my FUTURE reports. All of my credit cards are paid in full each month. I have worked hard to maintain this habit each month to build up my credit.

I am the victim of identity theft and when I disputed an account from Verizon ($1,150) & Sprint ($299) all they did was verify when the accounts were open and closed! In no way were they even tied to my name with concrete evidence! Experian looks out for the businesses and not the consumer! Because if I have a higher interest rate or get stuck with bills that aren't mine those companies make more money and therefore support Experian more than I ever would! Not to mention they outsource their call center to a third-world country apparently but don't pass any savings on to me! The consumer they should be trying to protect!

Was locked out of my account after just one attempt to login with wrong password. Forced to call to get it unlocked. Their system for the id verification would not function properly so we moved on to the questions. Even after answering the questions correctly I was still not allowed access to my account and rep refused to transfer me to a supervisor. Called second time and got the exact same thing, but this time I was sent the link twice during the phone call and the second time the system finally worked and it submitted my pictures of my id and my selfie. At this point I was told by the rep (Ankush) that he did not send me the second link and what I submitted was not to them. So who sent me the second link from that same number and where did my info go? Was their system just BREACHED?!!!

Experian violations 15 USC 1692, Due Process, Fourteenth Amendment & RACIAL DISCRIMINATION. They receive kickbacks by leaving negative information on your credit report so you can be charged higher fees. Under FEDERAL LAWSUIT 2:22-cv-02173-RFB-NJK **

I don't know how government allows such credit bureaus to function and dent so many innocent Americans' credit worthiness. It seems Experian itself is part of scammers and fraud ring that makes seniors and disabled their victim as they have the least fighting power. Last year I fought of 4 fake, fraudulent, inaccurate collection accounts against me that Experian happily, quickly reported as negative on my credit report. But won't help or check authenticity or question the debt collectors. Upon my own efforts of resolution, Experian was very very slow to restore my credit rating and took months to resolve a straightforward blatant fraud against me.

Awful, unusable website. I am trying to manage a credit freeze, but the sign-in page takes me to the free credit report. If I click anywhere else on the page, it signs me out. This is after I spent 30 minutes trying to get into my old account. It didn't recognize my old password. Then it didn't recognize my user name. Finally, it told me my DOB and SS# didn't match, even after I triple checked it. And I've created an account in the past! If I had a way to avoid ever using Experian or letting them collect my data, I would take it. I had no problems at all managing my credit freezes at Trans Union or Equifax.

I placed a freeze on my credit due to my info being compromised thanks to Soc Security AND Soc Services. Online it says their hours are til 8pm but they actually close at 5pm. Good thing my situation wasn't an EMERGENCY!! Not only could I not get a live person on the phone but I kept getting hung up on by a jacked up automated BOT! #Infuriating!! Why even have/offer this service if it's not even accessible???

Part of paid membership, $19.99/month, is getting a Credit Report Refresh every 30 days. When I was on their site & clicked on this feature, for 3 days it said "0" days left to receive it but "unavailable". It then stated if would still like to get this info now, you can pay $29.99 for the same report that I was already due! When I called the Experian Agents, they pretended they would get fixed but they never did. They then tell you if you don't keep paying the membership fee per month that they will lock your credit file to hamper you from getting loan reviews. They are actually using EXTORTION to get more money & should be investigated!!

Experian Credit Services has been informed by myself, belatedly, that GoDaddy.com charged my credit card account almost $400.00 and then lowered my credit score after I made it very clear to them that I had no relationship with GoDaddy.com for a few years before this charge was made. Now all vendors, etc. using a credit score have put me in an inferior position resulting in increased amounts I have to pay for goods and services and in some cases denying me service. This very website has innumerable serious complaints against GoDaddy.com and yet they are apparently still in business. I am shocked that no governmental agency or NGO has put an end to this apparent chicanery. I request Experian reinstate my 802 credit score.

I've been cleaning up the miscellaneous auto-drafts that are coming out of my bank account. One of them was Experian Credit Reports that I joined a few years ago. Experian has been deducting money from my account every month. When I tried to downgrade my service plan, I was unable to do so. I applied a few times to downgrade to the free service for a few months but they kept taking my money. I finally found a phone number to call and tried that. We'll see if that did the trick but I don't trust that company. I believe they are a Scam themselves.