Experian Reviews

After receiving a call from Experian verifying information on my company I searched online for information on them. I was dismayed when I found the countless complaints and the illegal and unethical business they do. Is there any way that I can get my name and my company off there list? Why do companies like this exist, allowing this to continue is perposterous!! I have great credit and allowing morons like this to destroy it is just wrong. This company needs to be reviewed and shut down. THIS IS ONE OF EXPERIANS ONLINE webpages (this was copied and pasted from THEIR webpage)

website address- www.experian.com/disputes Neither number provided on website and or 'credit report' routes to a 'live' person-it is a continual loop/then system hangs up

There is no option to press for a human. You must listen to and talk with a computer that is stupid. The web page is just as arrogant, jumping you thru hoops only to charge you $10.50 for the free credit report. In the verification setion they obviously have an old address of my son's linked to my report. Incompetent and arrogant.

Experian has a serious internal (software or clerical) problem that caused my Experian consumers credit report to be mixed with another persons report and inaccessible to me, the consumer, in direct violation of FCRA law. I ended up hired a third party, Southwest Credit Service, to help me clear up the problem.

Checked credit with freecreditreport.com to get free credit report and noticed a week later a charge of $11.95 on credit card and call the company and told them that they used deceptive practices. They canceled my membership and I called BOA to dispute charges and they took it off card. I now do not trust Experian and I wished someone would file a lawsuit against them and get some of that bad money back.

My Bank Account has been frozen due to the number of attempts to open new accounts in my name, a family court order to pay child support that was enforced prematurely and illegally with Wachovia bank with no notice to me of any adverse actions or public judgements by experian as promised in their terms and agreement

I ran into financial problems when I became disabled. I gave my daughter a credit card if she had any problems. She was not a co-signer and never used it. I am responsible for this debt, but they put the amount on her credit report.

I disputed a item online with my credit report. Experian did not remove it so I mailed proof that it should be removed. They still did not remove it so I told them that I would sue if they did not fix it. Then they blocked me from my report. They gave me the run around by giving me a few phone numbers to answering machines and recordings. They are rude and after I say one sentence they transfer me to a recording while I am still talking.

I pulled my credit report in 02/06 in preparation of buying a car. I found 5 derogatory accounts on my report. One was from a cable company I had never used, another medical acct that was paid prior to it going to collection, 2 credit card accts, and one unidentified acct. I disputed the claims online and received a notice that I could not dispute them because Experian had received sufficient information to confirm that the accounts were mine. I then sent certified letters to Experian requesting the method of verification they used to verify these accts were mine. I received a letter stating that they did not have to release that information to me. I have been battling this for 2 years. This company employs rude people who accuse honest people of trying to illegally fix their credit. I only want my credit report to be complete and accurate.

Someone filed bankruptcy chapter 7 and it was put on my credit, causing my score to plummet 100pts. I am attempting to buy my first home and this has caused me to not qualify for the loan I was anticipating...in the end costing 15K plus!! Experian will not remove it for 30-45 days. This is unacceptable. They will not even tell me who provided them with this info. I have disputed it and also contacted the Bankruptcy Court in Lexington Ky, who is sending a certified letter stating it is not ME. I can't get a human on the phone to help me!

In October, my husband and I each received a letter from Experian stating that someone had requested a change to our name, address, and/or social security number. Since then, I have sent four letters using Certified Mail asking three questions: 1) Who specifically requested the change, 2) What specifically they wanted changed, and because both my husband and I have security freezes but don't know the codes, 3) the security codes to access our credit information. Along with the letters I included copies of our passports, driver's licenses, mortgage statements, pay stubs, and even the copies of the forms we sent in 2005 to place the credit freeze.

Citibank (South Dakota) had a judgment against me since 2000. It was put on in error. I went to the courthouse, and it was lifted on Oct 22, 2002. I have a copy of the courthouse records which states it was put on in error. Court records are dated Dec 27, 2002 showing it was dismissed.

I sent a letter to Experian on 1/23/08 with documentation disputing negative items inaccurately being reported on my credit report. In addition I sent an email letter with attached documentation disputing the inaccurate items to the president, Kerry Williams. I received a letter dated 1/31/08 stating they were not going to investigate the inaccurate items or use the documentation I provided. In addition I received an updated credit report that listed the date they last investigated the inaccurate items as being May 2007 despite my request 1/23/08.

For three years Experian has refused to provide my free credit report through annualcreditreport.com. They send a letter claiming they need more info and demanding copies of my driver's license, utility bills, etc. I refuse to provide this and have filed complaints with the FTC. I NEVER gave them permission to keep information on me, and the info they have is the same as the other two credit bureaus. Experian is a lousy company!

I placed a security freeze through another credit bureau other than Experian. I had the freeze lifted for the day, so a prospective landlord can view my credit report. However, unknown to me Experian also had a security freeze on my credit report which I learned via the prospective landlord who tried with no avail to get my credit report. When I tried to get this resolved with Experian, it took me about forty-five minutes to be able to talk with someone, and yet I couldn't get a straight answer. One person said that Experian shouldn't have a security freeze on me since I didn't go through them for this service, and someone else said that Experian would have a security freeze on my report even if I had gone through another credit bureau for this service. Everyone I spoke with at Experian said that they couldn't be of help, for they were just a department of Experian and not the actual Experian Credit Bureau! Therefore, any of my questions they were unable to answer!

I have sent letters to dispute fraud on my account due to a stolen wallet. I am asked for additional documentation, when I provide, they still send me the same letter again.

I cannot understand why things are so difficult regarding changes/omissions/deletions on my Experian credit report. This has been an ongoing battle for more then 2 years, and I'm sick of fighting them. TransUnion and Equifax were easy to make the necessary changes on my credit report, but it has been a nightmare with Experian. I've never spoken to a rep, and I'm still showing a PO Box and an unknown address on that report that they STILL HAVE NOT REMOVED. What frightens me is that I've recently had a name change, and I'm sure Experian has either not done their job or just doesn't care about consumers.

Experian allowed me to get my credit report for 4 years straight. My info has NOT CHANGED, yet now they deny it, saying my info is not correct. What makes it worse is that I have a CA freeze on my account and they will NOT release it because they say I am not who I am - again NO INFO on me has changed. You CANNOT speak to a live person to resolve it, and when you mail in, they say it's not correct. WHAT TO DO? There is no recourse for an innocent person who Experian has made a mistake about (I'm assuming).

Approximately 7 years ago, I was a victim of identity theft. It was a horrific and time consuming process, however the individual was prosecuted and two of the three reporting agencies have worked with me to clear everything up. Experian has been horrible. Although their website says that I can speak with someone directly, Dorothy at ext 7413, said that there is no one there to speak with and that I can only write a letter. However, I already tried to dispute this online and it will not accept the dispute. In fact the creditor acknowledges the fraud and has asked them to remove the information. I am fed up!

I was denied a loan because of credit so I got the free copies from all 3 credit reporting agencies. There was a much reported that was not mine. I had no problems dealing with Equifax or Transunion; however, Experian refused my dispute, and there is no way to contact them and talk to a real person unless you pay their fees for their credit watch. I even had my attorney send them letters, and there are still two incorrect negatives. One is for a credit card processing machine. (I am 21 years old and have never had a credit card processing machine.) The other one has no name of creditor or legitimate contact information; I had my attorney send a certified letter to it, to no avail.

I was helping make payments on another person's loan, and I discovered, through Experian personnel, that Landsafe was reporting the address of that property with a Fraud Alert to Experian, using my SS. I followed up with several letters to Experian which were totally ignored. Immediately I was bombarded with Fraud pamphlets and advice from every agency; yet no one would address the fact that Experian made an error, and I was trying to correct it. NO responses to my letters, only more preprinted information. Now Experian wants me to send my Drivers Lic and Picture ID.

For the first time today, I noticed a recurring $12.95 charge on my bank account under contractor/business services. I had no idea who is was: it was listed as Triple Advantage, with the phone number, 877-481-6825, so I called. The first question asked of me was my social security number. I didn't feel comfortable giving it to some company I had no idea about, but then I find that it's a group that does credit report checks--something I used once with no intention of using again (it was supposedly a free report). Apparently I gave out my social security number and even my mother's maiden name for security purposes, and, even my bank number. I can't recall doing that at all. So, I'm wondering if this has to do with a credit report that Wells Fargo ran for me as I sought a loan (that I decided against taking). So, I find out I've been charged $12.95 a month since Sept. 2006, or, over $194!

When I canceled my advantage program with Experian through Citi card, I was told I could have my present credit score with the comment that it had changed. I could not access my score as the web site said there was no record. All I want is my present credit score.

I have been disputing an incorrect public records item on my credit report with Experian for over a year now. We won a judgment in a counterclaim against the plaintiff; the plaintiff's claim against me was dismissed. Experian shows there was a claim against me instead of a judgment entered in my favor. I sent them a letter including a copy of the Order that clearly shows the lawsuit against me was dismissed and a judgment was entered in my favor against the Plaintiff. Experian is the only credit reporting agency that won't correct it. I need some kind of process that stops them from ignoring dispute.

After receiving a copy of my credit report (I had paid online for the 3 in 1 report), I noticed a discrepency listed by all 3 companies about a collection account for $9.00. I wrote to both Equifax and Transunion and they responded right away and the situation was resolved. I tried to find a physical mailing address that I could use for Experian, and could not find one, so I purchased their credit report (now I am paying for this twice) and still after 2 months, the situation has not been resolved. My credit score is being affected by this situation and I, for one, am now going to write to my congressman and senator to see what can be done. How this company continues to be allowed to stay in business is a mystery to me! I am not going to allow this company to continue to ding me for an account that was not even mine, without a fight! After reading what everyone else here has stated, it is obvious that I am not alone. I would urge you all to contact your politicians as this seems to be the only thing that we can do at this point. We are preached to over and over again about how important it is for us to keep a clean credit report, and then one company who just happens to be in charge of allowing us to do this, makes mistakes and we have no recourse. This needs to be stopped!

I have requested a free annual credit from all 3 agencies online . As always, Experian did not provided me with a report. I was told to request it by mail. What is the point? Online is the easy access.

Experian is a nightmare. There are two items on my credit report from them that DON'T EXIST. I've talked to the credit card companies, and apparently there is no way for them to contact Experian. Experian has to contact them to have the delinquincies (which don't actually exist) removed. There are numbers to use to get a human: 800-787-6864 or 866-841-6376. HOWEVER, neither of these numbers can give you any information on your credit report or how to dispute anything. And you can't dispute the report without running a free report through them (running the free report will cost you $24.95 and then enroll you automatically in some credit protection thing--free only the first 30 days, so cancel it or you'll be out some money!). I've never dealt with such a difficult run around comppany.

I received a letter from Discover Card saying that my application had been turned down. I was given a email address to Experian toaddress the problem. I logged on to the home page and followed the process but when I tried to press the icon button nothing happened.

I went to the Experian website to receive a FREE credit report. Unknowingly, I was charged for services I was unaware of. These charges were not authorized by me. I want to receive a refund for the services I did not authorize and did not use.

I received a letter dated June 12, 2007 from World Financial Network National Bank (WFNNB)which issues New York & Company credit card accounts. WFNNB provided the name and address of the consumer reporting agency, EXPERIAN. So I went to the web site and contacted Experian to obtain my free credit report as the letter stated. I even called Experian to get my password to access the free credit report.

Experian reported my credit score as 769, which is consistent with Transunion of 773 and Equifax of 769, but told my lender it was 716, in the same day. They listed four items, i.e., credit history too short, amount owed on accounts is too high, too many inquiries in last 12 months, credit limits on accounts too high. They said that these were Pluses to me showing strength. Firstly, I have only one credit card and only one rev account. Both opened two and three years ago. My Disposable income is over 51%; My income is about $9,900.00, but my debt is only $3,600.00! Most inquiries were done by Experian!

I am a worker for Experian Consumer Direct, all I have to say is that if people would just have the common sense not to put their credit card number in to our system if they do not want a charge onto their accounts! I can not stress that enough. But you know what? I am nice enough to our customers who call not to say anything like that, it just irritates me that people make us out to look so bad when we are not.

Interest rates for buying a home are to much for my income.Banks are unwilling to give me a better rate with only two credit scores.

I thought I was receiving a one time free credit report. I was not aware that I was signed up for a monthly membership of $12.95. Charged to my credit card. This has been going on since Jan. 2007, normally I keep a watch on all my charges to my credit card, but how I over looked this one until now, I don't know.

When I first noticed the $12.95 charge, it was nearly a year and a half after checking my credit score. That is 18 months X $12.95. I called customer support in early January of 2007 to cancel the account. I figured I must have missed the disclaimer that it will charge you without canceling. Although furious, I decided it was my mistake and to eat the charges. I cancelled the account and figured it would be over. I was wrong! Now it is May, and I've been charged every month since canceling my account.

I began disputing an incorrect record with Experian. They deleted the information, but a check of my credit report in March of 2007 showed that they again had the same incorrect information showing up in my credit report. I disputed the information online, and by regular mail, for the second time in 6 months, sending the same information that I had sent before. I received a generic response from them by regular mail stating that the supporting documentation that I had submitted could not be used and that they are contacting the source of the information to verify.

IT STARTED ON THE DAY I WENT TO MY BANK TO APPLY FOR A LOAN. TRANS UNION AND EQUIFAX WERE CORRECT BUT EXPERIAN HAD NOT ONLY ONE INCORRECT ITEMS LISTED BUT TWENTY- THREE MORE LOANS, CAR LEASES AND CREDIT CARDS THAT WERE NOT MINE. THE ADDRESS AND BIRTHDATE WERE LISTED INCORRECTLY.

I have paid off my home equity line with Chase on Feb. 2006 and it is still showing on Experian credit report. It’s caused an erroneous entry which left a negative rate on my credit report. Wells Fargo turned me down for a home equity loan for having that Chase line of credit.

My husband and I applied for a loan with Capital One for a home repair/improvement loan. Capital One called to inform us that there was a problem with my credit check. They said that they use all three major credit check companies when reviewing a possible loan and that my credit with two of the companies came back fine. However, when they attempted to get my credit check with Experian, they were told that I don't exist!

Out of the three credit reports, Experian, by far is the WORST! I've read through the string on this website and am not surprised as to how many others have been affected by their inaccuracies. It took me over three months of letters, emails and calls to no avail. The workers at Experian read from script and do NOTHING to help one out. It's amazing how this agency is still in operation.

Personal information on my Experian credit report is incorrect. Unlike Transunion and Equifax, it is absolutely impossible to contact a human being at Experian to get it corrected or find out how to get it corrected. The online offering from the company to correct certain erroneous information does not work. Several of the phone numbers offered to consumers to contact the company are no longer in service or you can only talk to an automated system that doesn't address the problem. There is no way to exit the automated system and get a real person. The only other alternative is to send your request by mail and to do so the you must send a copy of your drivers license, copy of a recent utility bill, your social security number, mailing address,etc. Its ridiculous to put all this personal information in the mail. Further the company tells you by automated system that no mail will be acknowledged for security purposes. So not only is the company asking you to send incredibly sensitive info by mail but they won't tell you if its been received and there is no way to call them to find out if any action is being taken.

Someone, somewhere please help us consumers against Experian. There is something terribly wrong with that company. They do not deserve to be making any money from consumer credit reports. Mabye something should be done that would encourage businesses to never use experian. Experian is showing addresses that I have not lived at, they refuse to listen to complaints. They have mailed to me written proof that they have deleted information and then re-added the information, this is a direct violation of the FCRA. They have told me that they have verified an account that shows on my credit report. The place is out-of-business, there's no way that they verified anything with them. Something evidently needs to be done to stop the experian monster.

I've done everything suggested to get Experian to correct the false and damaging information on my credit report for 7 years. Other credit reporting agencies have changed the information... Experian refuses, even after receiving legal documentation, letters from several attorneys and business entities. There are various/numerous problems that need to be corrected and/or removed from my credit report. The highest level executives from the businesses involved have done everything they can to get Experian to comply with THEIR requests.

Experian has been charging my checking account for over 2 years for a product they offer called Triple Alert. They advertise the following services: 1-Automatic, daily monitoring of your Experian®, TransUnion, and Equifax credit reports. 2-Email alerts of key changes to any of your 3 national credit reports. 3-$10,000 identity theft insurance provided by Virginia Surety Company, Inc. I have NEVER received any of these services, and I've never been able to log on to my account. I've called the phone number on the website for assistance, and they referred me to another phone number 866-841-6376. The person that I spoke to at the referred number informed me that Experian does not have a product and/or service called Triple Alert. I gave her the website site address, but she then hung up me. https://www.experiandirect.com/triplealert/default.aspx I beleive this website is nothing but a shell.

Experian is reporting an address where I have never resided as my current address..I have refuted the info several times, but Experian refuses to change it. I have lived continuously at my Washington DC address for more than 16 years. The disputed address is in a different state and more than 200 miles from where I reside. It is not a residential address.

My problem is the same as most others. It was not clear to me that I was signing up for a paid service. The problem is that this company makes every effort to conceal the fact that you are signing up for a paid service. The typical person usually reaches for their revolver when someone asks for their credit card number. But in this situation, the consumer gives the credit card number under the pretense that the number is needed for credit tracking purposes and not for payment. Freecreditreport has a responsibility to their consumer to make this much more evident than it already is.

Of 32 items listed on my credit report compiled by Experian, only 7 were mine. The remaining 25 items belonged to a man with a different first name, different middle name, different last name, different date of birth, and,(needless to say), different social security number. Apparently this man had previously rented the apartment in which I now live. Other than that purely accidental fact, I had no connection with the man whatsoever. Is it legal for a credit reporting agency such as Experian to enter obviously innacurate information into someone's file?

I purchased a free online credit report from Experian and attempted to contact them to dispute a claim on the report. However, they only provide you with automated phone numbers that do not help and their website claims you can obtain a phone number if you order ANOTHER report. The website then failed repeatedly to process my request for another report which I don't even need.

My son and I each sent for our annual free credit report.at an address we formerly used for Experian. Our mail was returned return to sender, attempted-not known-unabl to forward I cannot find any mailing address for them.

I've been trying to remove some fraudulent items and have run into the same brick wall as everyone else: Experian. Two items they list show an American Recovery Netw[ork] which appears to have gone out of business. I tried to contact Experian but they demand you purchase a report from them before you are even allowed to dispute the reports they're sending to everyone else. Nor can you speak with anyone on the phone. Nor do they have a contact email address. That's really got to be illegal.

This company shows that I am in default on a mortgage that was paid in full. They indicate more than 30 days overdue. The last payment WAS late due to the title company disbursing funds when I re-financed. I've sent emails and received no response.Experian shows my credit rating nearly 100 points lower than the Equifax or TransUnion, resulting in unfavorable impression with possible creditors.

This credit agency keeps adding my sons bad debts to my report. I was born in 1950 he in 1982. I just went thru this mess in nov. of last year when I purchased a home. It took a month to clean up my report so I could get my mortage. Hours of phone calls and letters. You would think that with 32 years of difference in age and totally different ssan mine starts with 233 his with 359 they would realize WE ARE NOT THE SAME PERSON. They still show all of his addresses on my report as of 5/10/06 although in nov. this was all to be corrected. The other two got it right why can't this one????? I can't take months correcting their errors every time I wish to make a major purchase.

I'm almost convinced this company doesn't exist! After trying multiple times to obtain information online and through a bogus 800 number, I wrote a letter to the address provided on my credit report. The letter was returned to me as "address unknown." I too have items on my credit report that are false and this company is obviously not interested in helping people resolve credit matters. These items have prevented me from even getting a debit card from my bank, and I still cannot determine where to begin to contact the credit company through which these items are posted!

We are victims of Hurricanes Charley AND Francis, and unlike the people of New Orleans, we didn't get new Cadillacs or Big Screen TV's or Gucci Handbags....Instead we royally got the shaft from FEMA, but this isn't the worst, these events profoundly affected our credit and we were afforded NO PROTECTION. I have worked HARD to clear up credit issues that now prevent us from owning a home or buying a car, or even having a bloody credit card, all to little avail.

How is it possible that an organization that can make or break an entire family financially can be allowed to function without a posted address, without a phone number that can connect you to a human being and with such obvious contempt for the consumer?

I have never come into contact with a company that so blatently disregards the law and human decency. I ordered all three credit reports from Suze Ormans Credit Kit at FICO.com (which I highly recommend). Of course I found errors on all three reports, but what was frustrating was the fact that Experian makes it almost impossible to dispute anything with them. Transunion and Equifax were very easy to deal with (provided their address and contact information, etc.). Experian requires you to "dispute online" which kicked me out and told me to call a 800 number. I called the number and was put in a continuous loop of nonsense.

I disputed a collections entry on my credit report and got a reply from Experian that it was resolved. It was not resolved, but since their computer said it was resolved, every time I tried to phone to speak with a person, the automated answering system said, "Sorry, that's been resolved" and hung up on me. There was no way to get a live person except to trick the system by entering a false number for the erroneous collection agency entry.

Experian has hidden all references to it's mailing address on the internet. I simply need to send them a copy of a released judgment from public records, but there is no place on the web to get a simple P.O. Box that is current to mail this information to them.

My credit report includes a bill for medical services that is now in collections. The medical services were provided on a lien basis as part of a worker's comp claim I filed. I disputed this with Experian and was told that because the collection agency verified the accuracy, that they would not remove it from my credit report. I even mailed Experian and the collection agency numerous correspondence, including two letters from my worker's comp attorney, which verifies that the charges were incurred as a result of a worker's comp claim. Experian refuses to remove this from my report.

I went to the Experian web site to apply for my free credit report. In filling out their form I made a typo. When I tried to go back and fix the typo their system knocked me off and said that my one chance for my free credit report was through! This is a bogus company and something should be done about the crooks.

I have started to recieve several mailed items to our home, book blubs and music clubs, that I have not joined. I have recieved a cd in the mail & have been billed for it. to pay for it. No one here has ever ordered or had anything to do with these companies. In the one letter(History club) I was told that from our Experian Consumer credit report information was used to make this offer. I have never had anything to do with Experian and need to stop these mailings and phone calls saying I have signed up for things. The history club had a phone number to call if I wanted to stop transactiions not initiated by us . However they ask for your social security nimber and I diud not give it to them.

For the past two years, I have been unable to get credit because they are reporting me as deceased. They are still showing payments on the credit I have, but I cannot establish new credit. I am told I cannot make a complaint without a credit report, but I do not qualify for a free report. I refuse to pay for one, it's blackmail.

I signed up to get a free credit report from these guys when I was refinancing my home. Before the trial period was up, I went to the site to cancel. Problem was that I could not find a way to cancel. I logged in and went to the section that was to manage my account. When I started looking for how to cancel, I could not find it. Therefore, I thought that the deal must not have not gone through. A few months later, I start getting bills on my statement for "CIC Credit Report". Having no clue what this was, I came here and found lots of other stories. These people need to be reported to the rip-off bureau.

These people break the FTC laws everyday and keep getting away with it! I have been going back and forth with them over 2 accounts listed on my credit that aren't even mine! They have removed them, put them back on, removed them again, and put them back on again for 8 years now! The collection companies reporting these accounts keep selling off the accounts, re-aging them by the date they bought them and re-list them on my credit and I'm screwed. Even when they say formerly Fingerhut, which the credit reporters know is the same account, they blantely break the law and put them back on.

I received an email from Experian telling me there was a change to my report. I logged on and was told it would be 2-3 weeks from the time I signed up until I could access my alerts.

In 2001 we used Experian Credit to repair the inaccuracies on our credit reports and they informed us they did.