Experian Reviews

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.

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 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!

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".

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.

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.

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.

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.

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.

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 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.

I got pre-approved from my Credit Union for 30 days for a car loan if I found one I liked. I didn't find anything. I reapplied this past Oct. and they couldn't pull up my credit history because my birth date was now different by 22 years. I 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 different. I sent Experian a blown up copy of my driver's license, Social Security number, and a utility bill as their website instructed. Two weeks later, I got a letter from them saying they cannot change it due to Section 611(a)(3)(A) of the Fair Credit Reporting Act. Whatever the hell this is. And I also sent them the same damn info I already sent them. You cannot get a living person at this company. I wish these arrogant ** 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. My life has been ruined by this company's unethical and illegal credit reporting and failure to investigate disputes even when I have sent them copies. File complaints and write your congress.

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 claiming 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 nowhere with this company, I hired an agency to deal with Experian directly.

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.

Free Credit Report nonsense. I got the free credit report months ago and now I found 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! I 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 requested a free credit report online through FreeCreditReport.com. After providing my information, I was informed I would need to wait for a US mail response. In mid-October I received a note with access information. In November 2009, I saw a charge on my credit card for $14.95 from ExperianDirect. 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 website.

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. Experian's position is, it stated it in the print, and they will not refund the charges.

Experian is providing information to large corporations such as AllyBank/GMAC that is not provided to the consumer in an Experian personal credit report as provided by fair credit laws. They simply use the name "Fraud Shield" and say whatever they want about you without backing it up or providing you with the information they gave to the bank. 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 believe they are simply reporting information out of a "fourth big credit agency" (Fraud Shield) to circumvent the "Fair Credit Reporting Act" laws.

I am trying to correct an inaccuracy 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 pressed the wrong button and I was charged $14.99 for a plan I didn't want. I canceled a while back, but they keep taking my money from my debt card for about 3 months that equaled up to $45. I did not sign nor give permission for them to take money from my debt card. I want that company to stop taking my money! I'm disabled and emotionally stressed out with this problem.

I have been trying to get resolution on inaccuracies on my credit report and I cannot file a complaint without paying for my credit report. They are reporting a charge off from Verizon California in July of 2009, when in fact Verizon owes me money! My husband and I have had to pay $2,500 for additional insurance and almost lost our license to run our business! This is serious!

I had put my own credit report on freeze because of a possible identity 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. Because of this, I cannot 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 receive from them.

I checked my credit report on Experian and found that there were 10 credit accounts on my file. Two of them were mine, the other 8 were my dad's. We have similar names, Mel ** and Melvyn Stephen ** but I still don't know how they managed to mix them up. I don't 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 obviously a typo, and they would investigate the rest. No wonder my credit rating is bad.

I had to pay for my credit report that was supposed to be free and it's full of errors. My name isn't on the report, so it might not 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 they're collecting a paycheck.

I asked for a free credit report from Experian. Somehow I "agreed" to join a paid monthly service at $29.95 per month plus $1 charges every 2 weeks. I never knowingly joined anything - I knew I was entitled to one free report per year and did not want any more information. 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.

I wanted to find out why Experian deducted points from my credit score for inquiring into mortgages with various companies. I looked at 5 possible mortgage companies last year. This year I can't even get a store card because they hammered my score so badly. I have never done anything to warrant being discriminated against in this way. I looked at the process and it occurred to me that Experian has no legal right to count inquiries as a reason to deduct points from someone's 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.

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, it 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.

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 else's. 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 two 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 wit's 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. So 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 upfront because if he does, I can't do it.

The complaints about Experian are all true. A student loan for one of my children was rejected because they had an error in my credit records. After a half hour of wading through dozens of offers to purchase one or more of their credit report services, I finally located my free credit report (as mandated by the government). I identified the error, collected the necessary documents to correct it, and after searching all over for their mailing address, sent it to them. Their online dispute reporting option is totally inadequate for any sort of detail.

I cannot get my free credit report and has tried to temp lift security freeze. The PIN 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. They have tried to charge me $10 to temporarily lift security freeze and I have been a victim of ID theft, which is supposed to be free. They are adding fees when there should be.

I am trying to dispute information in their 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 their information. This seems like blackmail to me.

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.

Experian is the worst ever. We are refinancing our home. Our banker pulled our credit report to find that all 3 agencies have something against us that is wrong. She gave us copies of our credit report so we could contact the agencies and file a dispute. Contacting TransUnion and Equifax was so simple. TransUnion even provided us a free copy of our credit report since we were refinancing and also filing a dispute with them. We already had a copy from our banker, but it was so nice of TransUnion to work with us!

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 was 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 that I am now a bad credit risk.

My company 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.

I belong to a credit monitoring service (not Experian’s) and received a notification that a fraud and/or victim alert was filed with Experian on my name. I tried to get a hold of a human being but could not get through their automated system. I finally requested the "free" should be called fraudulent credit report in order to get to a human being. 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 info out for security reasons, this after she takes my name and social security number. These people are the biggest crooks there are. 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 pissing 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 Equifax do not post a phone number for you 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 for it. This is not true and I waited another year to order it and it still tells me that I already received it. I have not been able to afford to pay for a report and therefore, I have not been able to see them in over a year, two years for Experian.

There are several items on my credit report that are not mine. I have sent investigations. When reported back, Experian just says verified. Some even say bankruptcy, which I never filed. This is ruined my credit and no one seems to be able to get them off. This is so unfair and I am so upset. I am not able to get a loan for a house!

I signed up for a free credit report with a 7-day cancellation period. When I called the above telephone number, I was informed that I would be charged $39.95 for a one time fee. This is the ethics of one of the three major credit reporting services? When I went to get my other FICO scores from Equifax and TransUnion, I could not get them.

I’m 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. I cannot reach anyone there by phone. They are so difficult. I have no problem with TransUnion and Equifax, but Experian is impossible to work with. They need a number where you can have a person who will help.

July 4, 2007 was when I received my first email notice about my credit monitoring subscription. I received all kinds of strange emails and 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. Whom do I call?

This is as much a complaint about the Experian website and their customer service which is void of a way to contact them. The way that they bounce you to "free credit report" is reprehensible and misleading. It's ironic that there are 21 pages of complaints lodged against Experian and 3 or 4 Experian advertisements per page. You can call to cancel the free trial membership you were bounced into from the Experian website. As for contacting Experian 800 493 1058, 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 lose my refinancing due to this delay. Fortunately, at the end, I did refinance based on my wife's credit only. But I am still wondering what I must do to lift the freeze for me. Can somebody take action?

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.

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 company and disputed the payment. I wrote to Experian, included 3 forms of ID, and asked them to lift the freeze.

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 certified. I might lose my house if I can’t get my credit report straightened out.

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 online 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 are 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! Please, everyone sign onto the White House website and complain about the re-hauling of all three credit bureaus, particularly Experian, to bring attention to the problems millions of consumers have dealing with them. 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. After all, this is our credit. So why do these ridiculous credit bureaus have so much control over us?!

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 supposed 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 received 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 received a call from credit card company that was able to pull my credit report from Experian and Equifax (a separate 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.

Experian does not have my current phone number on hand. I cannot get an AMEX card issued with significant Delta Sky Miles until I change my phone number 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. What a ripoff! I've lost 25K Sky Miles and a free trip to Hawaii I had been planning on taking my husband on.

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 have to investigate. The phone calls, up to this point, are disruptive. I run my own business and was one of the first signers for the Do Not Call list. This could be affecting our sterling 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. Interest are rates mounting up. Creditors will not send my mail to my actual address because the credit bureaus have me living somewhere I have never lived! I have requested to speak with a lawyer on my last complaint. Please, emails only.

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 charged. 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 frozen my report since late 2008. I requested to speak with someone else about the charges since they told me that it is nonrefundable.

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 begun 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. On April 30, 2009, I tried to temporarily unfreeze my credit in order to apply for a mortgage. Apparently, it worked for TransUnion & 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 got a free credit report and someone has used my information for credit and left me with their unpaid bills and I want to clear this up. I can't get an address or phone number to talk to a person with any of the credit bureaus. They have my address, names and a lot of other false information tacked on to my report. I have had at least one credit card company cut my credit because of a bad report. I can't file a police report because 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!

After reading all of the complaints about Experian and the inability to contact them, I searched my free credit report to find the number and address to contact them: NCAC P.O. Box 9556 Allen, TX 75013; phone 1-800-493-1058. 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!

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

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, lo and behold, there is now an accident listed that had happened 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 their legal disclaimer.

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 at 800-821-8805 to get a live agent. First, go to annualcreditreport.com to 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. Good luck, hope this helps.

I tried to get a credit report that they needed one dollar. It scrolled down so fast it hit all three credit reports for $24.95. I called them right away and said that was accidental. They told me I had to fax them in writing what happened which I did the same day. A couple of days later, they put the money back on there. Then a week or so later, I got 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 child support 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. I am unemployed and need the money for the kids.

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 cannot, and this is the worst, find an actual mailing address!

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 co-pay I paid upfront). In 2008, the doctor's 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.

Experian Credit Bureau will not re-investigate items that should be deleted after 7 or 10 years or that are sold to another bank. Even though TransUnion and Equifax removed these items many months ago. 1. AMC Mtg Services sold in 2007 to Citi. Other 2 bureaus removed. 2. Riv County Record released & report 7 years since 2002. Other bureaus removed. 3. Riv County Record not valid. Other 2 bureaus removed. 4. Riv City Record released & on report 7 years. Other 2 bureaus removed. 5. Riv County Record not valid, released, should be deleted. Other 2 bureaus removed.

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

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 Services and understands I may be looking to purchase a new home or refinance a mortgage. I told her it was none of her damn 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 information 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 immediately in pen and ink to retain the exact time and facts of same.

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 Mellon’s 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 won’t send it to me because I am supplying erroneous information - i.e. the wrong social security number. A catch 22.

My Son recently applied for a free online credit report from Experian.com. Apparently they go by name and address not only ss#. Consequently, he received a copy of mine and my husband's credit report as he is a Jr. We feel as though 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!

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 general's office stating they have investigated the accounts in question and they were verified. I spoke with Mr. Alfie ** 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. ** that I wrote to each credit grantor requesting verification of debt allegedly owned. These credit grantors could not verify the account as owed to me. I made Mr. ** aware of this but he stated they verified the accounts with Experian.

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 have been unable to purchase a house because I cannot get my credit report updated.

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

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

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.

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.

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!

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

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.

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'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

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

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.

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.

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 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 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.

Experian was notifiedin regard to a judgment which was entered against me, the wrong person and that the judgment was vacated. Experian stated that they would verify the information. Experian stated that they had notified the Clerk's Office and that the judgment was still on record. The Clerk stated that Experian has NEVER contacted the Clerk's Office in regard to this judgment.

I am not writing because I believe I have a legal case. However, I do feel that these three agencies have an inordinant amount of power over our lives. But who has power over them. I believe that my situation has been resolved. What concerns me is the way I was treated and the difficulty I had in reaching a live individual, which is what the situation required. I had to use a day of vacation to do this. It doesn't seem right.

There is a past due account on my credit report that has been satisfied and i have notified experian via u.s. mail and they have not removed this negative account from my credit. I have attempted to contact them several times via the telephone and cannot speak to a live person. I have also attempted several time on the dispute section of their website but have received no action.

I have contacted Equifax and TransUnion regarding disputes I had. Both Equifax and TransUnion have verified that the disputes I submitted were in my favor and were subsequently deleted. However, Experian refuses to accept my disputes and has stated over phone conversations that they will not initiate an investigation for accounts that are clearly not mine. I have contacted, through certified mail, the companies who are reporting derogatory information and have received no response.

I cant apply for credit because my score is full of negative inaccurate information reported by Experian. Many companies pull Experian because they know how difficult they are and are more than likely to report invalid information which lowers the consumers credit score, which results with less credit or higher rates when applying for credit.

First of all I have submitted several disputes with experian, none of them show and none have been submitted by them. I mailed disputes twice with paper work to show proof of being paid and even court papers from a judge-to take a judgment against me off. Nothing from experian yet. I've tried to call several times and can never speak with a live person. Until all of this is resolved I cannot get a mortgage.

Applied for credit at Huntington Bank. Break for best rate was 750 credit score. Checke credit scor with FICO, it was 797. Completed Huntington Application, and got responses showing lower Experian score. To make a long story short, they had shown a judgemnt that I obtained against a rental tenant as being against me and if favor of the tenant. Telephone calls to the magistrate court reveal that they do not report to any credit bureau, but the credit bureaus are able to access the public record to obtain their data.

First of all it is almost impossible to get live person to talk to. Even if you manage to get through they will be of no help,not like other credit agencies. I contacted experian regarding a negative item on my credit report. All other credit agencies after I sent them the supporting document they took it off but Experian,the problem is when I contacted the original creditor Sears they told me we don't have any information about this account we sold it to colllection agency, I got a letter from collection that this account is closed based on there is no evidence from Sears to support there claim. I did 3 disputes already with no luck I wish FD would do somethig about Experian.

I went to Trinity Medical Center for an emergency dental infection. When I got there they did the normal things they would do right until I was seen by the doctor. Then things became very different from previous experiences for similar needs. I had a swollen gum line and was not going to have enough income to see a dentist. I have a child to take care of and I can't afford to become seriously ill. When the doctor came in all she did was to shine a flash light in my mouth. She didn't even use so much as a tongue depressor to check the swelling on the other side of my teeth which would have required the use of a tongue depressor.

No way to get their mailing address on their web site or at their phone number. Also, no way to access a representative.

I ordered all 3 credit reports yesterday and used my credit card and gave all my personal info he said i would get a copy in 20 minutes on my email and I did not. now i think i was frauded

I had incorrect information regarding a credit card. The credit card was paid off and closed in Sept. 2007. I am trying to get a home loan. I discovered there was still a balance on this card in Jan. 08. I contacted the Credit Card company and they had told me that the card was closed and paid off in Sept. 2007. I had them send me a letter stating this. I disputed this information with Experian and they came back to me in Feb. 2008 stating that it was still not paid and I now have a 60 day late mark. So I disputed again in March 2008, they give me another 60 late mark.

As with many, we went to commercial website for my Free Credit Report. I did not see where I had to opt out within thirty days and was charged a monitoring fee. When Experian was challenged on the charges I found out they used my credit card number from two years before. But even now I do not know how they obtained my credit card number or worse how they are legally able to use that number without authorization. I think more pressure should be put on these companies to be more tranparent in their disclosure of terms and fees and not have the customer need to search the fine print.

I received a letter from BNY Mellon, stating that their archive service vendor lost some data tapes that contained personal information about me. They are offering me free credit monitoring for 24 months. They provided a website to enroll and the site took me to the enrollment screen for Experian. I noted many complaints about Experian on your site and wondered if you have had any other complaints about this.

I sent several letters to Experian requesting that they remove an outdated tax lien from 1995 which had been settled years ago. The other agencies corrected the issue, and Experian is the only one that will not remove it. They say that it has been investigated by them and they will not investigate again. In fact they corrected the issue about 2 years ago and to my surprise it was put back on my report again. I even sent then a copy of their report where it was corrected by them. The information is incorrect, and they should be brought with a class-action case because if the other agencies can get it right they should also. And not be allowed to just put incorrect informtion on a consumers credit information.

I check My experian report I found wrong information I wanted to dipute but the customer service from experian told me the information are accurate. It so bad for the marine guy like me I have served in us Marine for 8 years and now I got a bad credit because some one used my personal ID to apply for credit and used it.

I have been trying to contact Experian about a negative report on my credit. There is a dispute link that absolutely does not work. After pouring over the entire site looking for some way to contact them I finally realize there is none. They have regional addresses to contact about anything OTHER than complaints. What Experian is doing should be illegal. I clicked the dispute button and filled out my personal information FIVE times and each time I received an error message that the session had timed out. I had it down to a science and was able to fill out that form in 5 minutes but still it timed out. Instead it referred me to their Welcome Page.

I had request my credit report or history and it showing incorrected information on my credit report or history; I believe someone need to investigated this matter A.S.A.P. Is showing some account should have been remove or delete from my credit report or history and is still showing on my credit report!.

There are some incorrect entries on my Experian file. One of which, I have been disputing for over 3 years. According to Experian,this company provided verification to them in October 2006 and they will not dispute it anymore. I've called and I've written to no avail. I don't know what to do at this point. The people at Experian are rude and less than willing to help you.

I got turned down for credit and was informed that this was based on information from Experian reporting. I have since tried and each time, failing, to correct this misinformation. According to the report I managed to pull online, I had 17 errors on my report. I disputed these online but most of the information involved other people's social security number and addresses.

I went online for a FREE report and have been charged a monthly membership of $12.95 on 4/01/08, and 5/29/08. I did order this membership, nor do I like being taken advantage of by such tactics. My husband an I are on limited income and can not afford unwanted charged on our accounts.

I am attempting to dispute information they have on my credit report, but they don't provide any contact information so I can send my release letter from the IRS.

My parents ordered a credit report Transunion & Equifax seem to be about right. Experian is totally wrong! They have my info instead of my fathers. The dispute form included is for the other 2 companies. Try to call the experian number provided and they tell you that they just distribute the reports. Try to get a number to call the right division of their company and they say their isn't one where you canactually talk to someone. We were told to call the individual creditors and have the correct SSN put on the accounts.

I applied for an increase on my credit card and was denied due to serious delinquency. I find out this serious deliquency was a $31 Mandee balance that was an oversite because I never recieved a statement for that month and rarely use the card so was not expecting a bill anyway. When I got a phone call from Mandee looking for payment I was stunned and very apologetic because it was an oversite and paid it over the phone on the spot. The rep assured me this would NOT affect my credit as I have excellent credit rating so I was naturally concerned.

Experian lumped my information with 6 other people with the same name, including social security numbers, addresses, phone numbers, employers, etc. By doing this, they made my information available for someone with MY name already to use MY social security number. He used it to obtain a rental house, numerous cell phone contracts, among other things. I have been dealing with this for 3 years now.

My American Express card was declined and I found out Experian put a erronous 30 day late charge from Capitol One on my account and my husbands (both seperate accounts?). So I called Capitol One and so did my husband for his account and as we knew we were never 30 days late or even 1 day late.

I received a phone call from ACE Mortgage who said that they were referred to me by Experian credit. They became aware that we were shopping to re-finance our mortgage. I asked under what authority the we able to receive information pertaining to my personal financial activity. I did not authorize Experian to disclose to the general public or more specifically to those who are willing to pay for such information at the expense of my privacy.