Experian Reviews
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About Experian
Experian is a credit reporting bureau that helps consumers understand and improve their credit scores. Companies pull credit reports from Experian when they do background checks or make lending decisions. With Experian Boost, you can add your utility, phone, cable and internet bills to your credit report, which boosts your credit score if you make on-time payments. For a monthly cost, Experian also monitors and protects your credit from identity theft and fraud.
- Business credit services available
- Instant Boost program
- No in-person service
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Reviewed June 11, 2008
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.
Sure enough this minor thing has turned into a major event with me trying to get it removed. It can only be removed with a copy of the report. Experian will only provide a 'free' copy of report with a $30 triple advantage membership. And you need their report # in order to dispute. And you can't get a person on the phone it is strictly an automated system. I have spent hours trying to straighten this out to no avail.
Due to this I have had a signifignt amount of stress. I worked very hard for years to develope a good credit history. This has caused me to be denied a new car loan when I have never been late on my current car loan and have over paid the monthly payment every month in the last 3 years I have carried it. Also denied credit line increase on a the one credit card I use and have never been late and have never made just a 'minimum payment'. I have been nothing but responsible and experian has made it impossible to correct this.
Reviewed June 9, 2008
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.
I enrolled in Lifelock over a year ago because of this. I'm still receiving collection notices from Nextell (I've never had a Nextell account) and two MCI accounts are on my report (never had MCI either). I tried to refinance my house this year, but I couldn't get a decent interest rate because of these idiots. I hate to have to sue, but I have so much rock solid proof. Do you think we can shut them down completely? That would be my goal if I sue. I just want my credit restored.
$110/year for Lifelock. Severely adverse impact on my credit rating. Untold hours spent trying to clear this up. Plus costs for paper, cell phone minutes, printer ink, etc.
Reviewed June 8, 2008
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.
So I went online, and did a dispute where they do not allow you to write anything you have to pick from a list. There was one that fit and I picked it. The results came back the next day that the file was 'Updated meaning nothing changed but a new date. So I went and looked for a place to write them again and explain and there is nothing. The only email on the site is from the company CredtExperts who said they have nothing to do with this. I called Capitol One and they again said no one has contacted them. So basically what is happening some one is sitting there just pushing keys on the keyboard and not doing their jobs..as Capitol One has not talked to Experian. American Express will also not do a thing until its fixed.
I had to pay my American Express Bill this month in Full not revolving. It was also suspended for any further purchases. I just bought a home and we wanted to refinance in 6 months as it was owner finanaced and we want to go bank. I will get a higher interest rate if I am accepted that is. I am 69 years old and this is making me very ill. The stress of not being able to talk to someone and them being able to do this is unbelievable and I do nto know what to do.
Reviewed June 2, 2008
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.
Release of my private and personal information. The degree of which is unknown and the parties to receive it are unknown.
Reviewed May 26, 2008
I have many problems on my credit report, example: someone elses social security number, addresses, phone numbers and date of birth, on my credit report. I have tried numerous times to contact Experian and have not received any help. I have called the numbers and always get the recording that eventually hangs up on me.
I have went on the website and it says I should contact a representative. I also sent them a letter asking for someone to contact me so I could go over the problems and get them corrected. Their answer was that I did not provide enough information and they could not honor my request. I could however order a copy of my personal credit report.
I would think that we as consumers could choose to not use this company but we are not given that choice. I feel that this company should be forced to make changes in their practices or be shut down. They would not exist if it was not for us. I see from the website that I am not alone in these matters. I have read enough to see that that this company should be shut down for good.
The consequences of the lack of action by this company can be catastrophic. I know that I will not use the persons information that I have but I have no way of knowing who may have my information. I have excellent credit with the other companies but if they all don't agree then it is hard to get loans. With a refinance coming up for me this could mean a foreclosure on my home. This does not include all the excessive worry and distress I have encountered since finding out about this problem.
Reviewed May 20, 2008
Subscribed for a free 30 day credit monitoring with free credit report via internet in February 2008. Message on internet web page stated credit card would not be charged until free 30 day period was over.
On February 12th, $29.95 was debited from my credit card. I did not know this as I did not receive this information until I received my monthly statement in March 2008. I cancelled the 30 day trial period with several days left. I received an email confirmation of the cancellation on March 11, 2008. Too late, the debit had been made and I did not know it. Experian has been part of class action suits for this type of behavior several times. I will gladly be part of any class action suit on this matter.
Reviewed May 20, 2008
Two Times now in the past 4 yrs. I have been turned down for a Home mortage as well as a credit card. The problem is there is a Junior not me as my suffix is senior. But these credit companys continue to have on my report whatever they feel is good. I have sued Equifax two times now and won both times in Federal Court. Now its Experians turn.
As I learned this evening that they have bogus information I even called the one creditor that had nothing to do with me and he stated that this bill that was on this report was paid in 2005 this is May of 2008 it is not a matter of mine. But since they like paying me I will continue to sue.
Reviewed May 19, 2008
First of all, I would like to say that of the big 3 credit reporting agencies, Experian is the most difficult to contact. They make their mailing address hard to find (they suggest on their website that you contact them at the address on your Experian credit report, but if you got the report from another source like TrueCredit.com, you don't have an Experian report), their automated telephone system is flawed, and their customer service agents tend to be rude.
Second, I have been trying to remove an erroneous collection account from my credit report since 1999. I successfully removed it from my Transunion and Equifax reports YEARS ago, but Experian refuses to remove it. Most recently (in April 2008), I sent them an old Experian credit report which showed that the account was scheduled to come off my report in January 2008. The account is still on my report, so I asked them to remove it. They wrote me back that the account was disputed (by me) and investigated (by them) in 2005, and that unless I had some further proof, they were not altering it. They also said that the account is now scheduled to remain on my report until August 2008.
When I got that letter, I called them (and fought my way through that ridiculous automated system)and asked the rep why the date had been pushed back. She basically read the letter I had received in the mail. When I told her that didn't answer my question, she admitted she had no idea why. So I hung up and called right back. The next rep I spoke to claimed that they investigated the account after my letter in April 2008, and the collection company verified the account. When I told her that the letter I received from them specifically said they were NOT going to reinvestigate the account, she didn't know what to tell me.
Seeing that dealing with Experian wasn't going to work, I wrote letters to the original company and the collection agency to dispute the account. The collection agency still hasn't responded (clearly because they have NO PROOF that this is my account, because it's not), and the original company actually sent me a letter stating that this wasn't my account. I sent that letter to Experian on 5/1/2008. To date, Experian STILL has not removed this account from my credit report.
This is not the first time I've had a ridiculously hard time removing erroneous items from my Experian report. They have gone as far to add false addresses and aliases to my report to justify erroneous account information they're reporting. I have a good credit rating with Transunion and Equifax, but my Experian rating falls between POOR and FAIR, which is outrageous. Experian needs to be held accountable for their sloppy credit reporting practices, boldface lies, and failure to investigate the information they're reporting.
I am currently trying to buy my first home, and have been working to clean up my credit for about 3 years now in preparation for this purchase. Having a collection account listed on my Experian report is seriously hurting my chances of getting a decent mortgage rate.
Reviewed May 17, 2008
Recently I dispute a Prime Acceptance on my credit report which, I've spoke with the company directly and mail a dipsute letter directly to the creditor along with a police report. I've also dispute the same credit on Trans Union and Equifax and Prime Acceptance has been removed except for Experian.
Experian also has my social security number incorrect which I was informed by a creditor who've spoke to a Experian Representatve that informed Landsafe that there wasn't two credit files and the social security number they have on file was one that was given by the creditor. Experian changed my social security by a credit which they should not have done, but match the information with the one they have on file.
However, less than 15 days of disputing this item on live Experian sends me an email stating it has been investigated and remains on file. I've disputed it again informing Experian that this company has the wrong social security number and it does not match, which I had landsafe send a copy of my security security number.. It comes back a second time stating it remains. along with two other itmes that I've dispute.
I strongly believe that Experian is not doing an investigation and they are not contacting the creditors item.. Now, I can dispute any of the items online. It says sorry, we have already investigate and verified the information belongs to you please mail in any additional information. Experian isn't really doing anything, they aren't investigating and they are verifying the information nor or they contacting the creditors at all.
Reviewed May 14, 2008
Experian is refusing to remove a claim from RJM of Hauppage, NY even though the matter was taken care of years ago. Their claim is 898R28. Experian report #3012068020. I think these credit report companies have far too much power and I want this removed from my record. I will be filing a complaint with the attorney general's office as well.
My credit rating speaks for itself. I take care of my debts and why should there be a smudge on it because of these idiots refusing to remove it when they have no legitimate reason to leave it.
Reviewed May 14, 2008
These people have sent a collection to experian because of a dispute in 2001 which we have long since taken care of. Now experian is refusing to take it off my record. I will be filing a compaint about them next.
My credit report is exemplary. This is the only thing that is there and I want it off because it is unfair and why should these collection vultures be allowed to even put a smudge on my record?
Reviewed May 10, 2008
because they failed to inform us that any surches we do stay on our credit file for 12 months and have now seriosly damaged our credit, we feel that it is their responsability to let all customers and buisnesses know of the damage this can do, most of the major lenders are only aware that these things come of your report within around 56 days, we have been made to take a very bad rate on our mortgage and loans after being told that we could amend our credit not being told that if we search for a cheap loan or mortgage they would stay on our report for this amount of time it would do more damage than you started with it has cost us thousands of pounds and now have to wait 12 months before we can do anything about it,
we rang experian with our complaints and all they said was that we should ring all the companies that have done a search to take them back, and we feel that this is their responsability not ours, why should we chase round for their mistakes and run up another bill trying to do so.
the consequences to us means that we are in serious debt even after clearing our report of any debt. all that is causing our bad credit is all the searches we have done trying to get a good deal, in relation to these searches expeian have pet us in thousands of pounds worth of debt, which would have been unecesary if we had been told the correct information from the start, that these things would stay on your report and seriously damage your life, we are seriously thinking of seuing the company.
Reviewed May 8, 2008
My credit report in April 2008 contained inaccurate negative information. I disputed the items, one of them was a judgment and I have a copy from the court proving it does not contain my name, address or ssn. I called Experian and the woman was very rude. I asked her for the source of the information and she said the item was physically verified at the Hampton Court Clerks office.
This is a lie, the court clerk stated Experian did not inquire and they never physically send someone to check the information even though they are required. She then asked me What is your problem. I stated the item did not belong to me and they had lied about verifying the information because I had a certified copy from the court showing the judgment did not belong to me. I also told her the court clerk said that no one, specifically Experian, had made an inquiry about the disputed judgment. The Experian agent then made another comment such as so what. When I said excuse me, she reiterated something to the effect of so what's the problem? I again restated that this item did not pertain to me and she made another rude remark. She also lied and said the court was the provider of the information.
I told her FCRA rules require Experian to provide me with the method of investigation, the source of the information and all other information on disputed items. She said that they would send it to me. When I asked her to hold on that I was looking other items up, she said is that all. I told her I needed that information and other information from Experian and she rudely said I told you we would send it, it is already in the mail.
Experian reports the reporting source of this public information Hampton District Court. The court clerk states that Hampton Courts do not and have never reported information to any credit agency. Experian has been placing my son's information on my credit file for the past nine years. When I get it removed, they reinsert at a later time in violation of FCRA rules in that they must notify me.
In 2004, when I purchased my house, they had a collection from Sentara that I disputed. They claimed Sentara verified the information and it was correct and told me to contact Sentara Medical. When I contacted Sentara, they stated they never reported the item on me and that the address and date of birth did not match mine. To get around this, Experian added the address to my report to justify the item belonging to me. Additionally, I had and always had insurance and did not utilize Sentara Medical. My medical provider was Riverside Medical. I had a phone number and contact that Sentara Medical provided but Experian refused to cooperate. Sentara was kind enough to have their attorney generate a letter and fax a copy to the mortgage company, Experian, and myself. Experian removed the item once Sentara's attorney got involved and removed the address. This was in 2004 and I could not get a contact by phone so the mortgage lending agent gave me the secret number to Experian, but I was not to disclose the source because Experian would have her fired.
Experian was very suprised I had this number and was more concerned about where I got the number than correcting the error about the Sentara collection. However, two years later they added the address back into my file. I disputed this address in April of 2008 and they removed it. However, they violated FCRA rules by reinserting the disputed item without notifying me.
They also had all of my ex-wife's addresses that I had removed back in 2000 from my Experian record. On average, Experian adds 4 to 6 addresses to my credit file every year or two. I have lived at only two addresses in the past 10 years. I have one address on my report now that I disputed. My son resides at that address and I reside at the home I purchased in 2004. My son is 29 and does not live with me. They refuse to remove this address because, again, they claim they physically verified the information.
Higher insurance costs for approx 7 years -- I estimate over $2000. My insurance score was so low that I was considered a risk even though I have never had a ticket or accident in 33 years of driving. There were excessive addresses (indicating I was always on the run) and excessive inquires against my credit file.
A State Farm regional manager got involved because ChoicePoint stated that they were not required to provide me with any information and were not covered under the FCRA. ChoicePoint even told me go ahead and sue us and we will make sure you never get insurance. All this emotional distress was the results of Experian's negligence. Experian was the only agency that had this false reporting on my file so they had to have been the source. My credit report has been 100% accurate with both TransUnion and Equifax.
My Chase Mastercard rate was raised from 7 percent fixed rate to over 23 percent due to errors in my file in 2006. I had to take out a second mortgage loan to pay this card off. Despite paying the card off, I was charged two months interest because of the way they calculate interest. This was all due to negative information on my credit file.
Higher loan rates. I have had several loans over the past 8 years and, although the creditors will not specify the reason, I am never given choice rates even though my FICO score is between 710 and 740. Creditors only have to provide information if they deny you credit.
Reviewed May 6, 2008
Was online looking free credit report and start filling out information when it said for 30 days free trail. I stopped filling out the information. I went back to erase the information somehow I did do it. It still went thru I saw information on my bank account that they deducted the fee out I called they gave me cancellation number and they gave me this bogus number and called back them back and they told me that they do not have phone number that I have to write to them. I asked them to give me # that they are cancelling
I've been waiting for over 1 hour no number. They said they would refund the account it would take 7 to14 days. I am still waiting for the information. The funning thing is that I never even used it. This would not help me any way since I filed for Bankrucpy couple of years ago, it not that I have great credit in reality I have a lousy credit.
I feel that when some did not fill out everything and did submit the information that they should be charged on the debit credit card
Reviewed May 2, 2008
I was able to cancel Experian's services after finding out they had charged my credit card $12 for each of the last 3 months for a FREE credit report that I requested a month earlier. I learned that you have to cancel their service within 30 days to avoid charges. My credit card company has recieved numerous complaints about this FREE credit report service. My advice is to beware of free credit reports.
$36 of charges for unwanted services
Reviewed April 30, 2008
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)
Experian is a global information services company, dedicated to helping organisations and consumers make commercial and financial decisions with greater... I do not want someone who can't spell organization reporting my personal and financial information to other legitimate companies and financial institutions! Please tell me how to get my information out of their system before something like this happens to me!
Reviewed April 30, 2008
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
Since these 'credit agencies' are given so much power over our lives-we should be given access to speak w/a 'live' rep inregards to information that is incorrect on our credit report. I've disputed-via-'online-about incorrect nfo on my credit report-Later I received 14 pages of paperwork(which by the way has several of my family member's full name/address and ss #s)document on my report. The information I disputed is labeled as,'updated'-and the item wasn't removed from my credit-nor indication of futher action to be taken by, 'Experian'-- This system is defintley 'flawed' and something needs to be done immediatley
Reviewed April 25, 2008
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.
My credit report I am sure is trash, and I can't even see it to complain about it. Hey, there are no humans to complain to, so that dosent count. Horrible company, should be regulated and forced to do business.
Reviewed April 15, 2008
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.
Experian Group failed to meet the following 6 obligations FCRA law currently guarantees: 1. October, 2007, I was unable to access my Experian credit report using my social security number. 2. I was not able to dispute information in my Experian credit report using my social security number. 3. I was requested by Experian personnel to access my account using someone else's social security number, a Federal crime! 4. Experian was the only CRA which reported inaccurate information, and not because they were supplied with inaccurate information. I verified this with Chase Manhattan, USAA Savings Bank, Ent Federal Credit Union, Kohls, Bank of America, Discover, GEMB Dillards, GEMB JCP, GEMB Mervins, MCYDSNB. 5. Not only was I supplied with, but, in the end, (after exhausting every Experian phone and internet channel I could access,) I could only take this other person's social security number, personal and credit information off my report by hiring a third party.
I contacted senior managment, who forwarded my case to Jason. Experian's position is that I always had access to my credit report. They don't believe me. I will file a complaint with the FTC, but is there anything else I can do?
I have spent money and lots of time fighting this case, about $4,000. thus far.
Reviewed March 27, 2008
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.
Reviewed March 14, 2008
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
Reviewed March 13, 2008
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.
My daughter can't get credit because of the way HSBC handled the account and Experian is useless in communications. My advice is not use a lawyer but contact your State Attorney General. They truly get results. It only takes one e-mail or phone call.
Reviewed March 6, 2008
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 am in the process of house hunting. No one can pull my credit report because they changed my SS# to block me and everyone who tries. I now have to live in a drug infested neighborhood because no one can check my credit.
Reviewed March 5, 2008
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.
Now I am unable to secure car loan.
Reviewed Feb. 27, 2008
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!
Costing me a chance at purchasing a home and or raising my rate to a % that I will pay the consequences for!
Reviewed Feb. 26, 2008
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.
Experian's responses have varied from sending us credit reports, telling us that they can't place a credit freeze because we already have one, and that we have not provided enough information to identify ourselves. I am getting ready to send my fifth letter. On it I will state that I have filed a complaint with ConsumerAffairs.com. My last letter said that I was sending a copy to the Better Business Bureau, but they still didn't answer the questions I asked.
I don't know if there have been any consequences. My credit report appears to be fine, but until I know who requested what changes, I won't know if there is a problem.
Reviewed Feb. 25, 2008
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.
Experian refuses to remove it from my credit,causing denial of credit.
Reviewed Feb. 8, 2008
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.
Repeated denial of credit including a student loan. I am a full time student.
Reviewed Feb. 6, 2008
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!
Reviewed Feb. 5, 2008
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!
They all told me to call the same number which is just an automated voice messaging system; it was not an option to speak with anyone. This was of no help, for I prompted to type in a pin number; and yet I was never provided with a pin number since I didn't go through them for the security freeze. I was then directed to write them to request a pin number and was not told how long of a process it would be! Therefore, I was unable to secure the apartment!
After two and a half months of searching for an apartment I finally found one that I wanted to apply for, and yet I was unable to secure it due to the fact that I couldn't get Experian to lift the security freeze.
Reviewed Jan. 23, 2008
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 am not able to get credit issued. This is costing me thousands of dollars.
Reviewed Jan. 15, 2008
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.
Dealing with this worthless company has consumed too much time, loss of sleep, wasted cell phone/home phone minutes and mental stress.
Reviewed Dec. 13, 2007
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).
I was trying to move and my credit could not be unfrozen as I requested so I missed out on housing that I wanted.
Reviewed Dec. 9, 2007
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!
Reviewed Dec. 6, 2007
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 have sent 9 letters through my attorney to Experian, trying to get info, and they have offered no response. They are required to respond within 30 days. So I filed a complaint with the Fair Credit Reporting Agency; hopefully they will help me. A lot of banks don't use Experian because they have realized that it is a fraudulent company. I believe that they make stuff up and put it on there to hurt your credit so that you have to pay their fees to join, and then they will get rid of them. These people are nothing more than con artists.
As a result of their inaccurate bad report, I have had high interest rates and denials for loans.
Reviewed Nov. 29, 2007
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.
I cannot get a copy of my credit report nor can I speak to anyone at the Credit Bureau. On input of my personal information I am instructed by the recording to send a the picture ID etc. I had a 730 score; now it is 637. Experian is selling our personal information which was supposed to be totally protected; now they are asking for more info possibly to boost their sales of other lists. I know that there is an error of $11,000 which does not belong to me, as I was informed by my refinance agent. It has been more than a year since I have been trying to get Experian to correct their mistake. I am so frustrated and feel so helpless. I am so glad that I found your forum there must be something that we as consumers can do. We are totally powerless while Experian dictates and control our lives by withholding or denying or refusing to correct their errors on our credit reports. This is Power gone awry.
Reviewed Nov. 28, 2007
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!
I just didn't check my account closely. The worker, Danielle, told me I'm not getting a refund and that it was my fault because I should have noticed a statement on the website (which I don't recall using at all) that if I fail to contact the company after three months I will automatically become a member. It doesn't matter, Danielle said, that I didn't know about the service or even use it because they've supposedly have been monitoring my credit for me. This is outrageous and needs to be stopped.
Danielle told me if I want to resolve this, I need to get a police report for fraudulent charges and contact them again with the police report number. That's what I'll do. However, reading through others' complaints, I'm convinced Experian will refuse to answer my calls. There must be something that can be done. Any lawyers out there who want to make a killing on a class action suit? Anybody with any ideas on how to get redress?
Reviewed Nov. 28, 2007
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.
There is no closure, only a feeling of abuse.
Reviewed Nov. 26, 2007
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.
We need to get a new home loan and want the best interest rate possible. I have perfect credit with no late payments, and this one negative item has affected my credit score.
Reviewed Nov. 25, 2007
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!
Reviewed Nov. 21, 2007
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.
I have not been able to get the credit report I deserve.
Reviewed Nov. 21, 2007
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 may not be able to raise my score the 5 points I need because this company is reporting delinquencies that don't exist. The credit card COMPANIES are taking care of things; but the CREDIT BUREAU isn't available, and since the bureau is what matters to the home loan people, I'm ruined.
Reviewed Nov. 2, 2007
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 have spent several hours trying to contact Experian, to speak to a live person. They create a problem and then leave me hanging out on a limb. I can not even find out what the cause of my problem is.
I have spend several million dollars in all sorts of transactions over the past 60 years with never a credit problem. I do believe that I should be able to correct the problem whatever it is.
Reviewed Oct. 28, 2007
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.
Reviewed Sept. 29, 2007
Reviewed Sept. 20, 2007
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.
Reviewed Aug. 13, 2007
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!
Reviewed July 25, 2007
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.
Ever heard of read all of the fine print before you agree to something? We try our hardest to help our customers, I am nice and polite to everyone even when they cuss me. I wish people just would realize that they are talking to REAL people with REAL feelings.
I broke down and cried one day when I had an elderly man call and cuss me for something Experian the Bureau did. (we are only a branch of the bureau that monitors online memberships). I did not hold it against him, but when you are not the one who made a mistake on his credit report and he tells you that you should burn in hell when you really are a christian, that is kind of painful.
Also the reason why people were canceling and it showing back up on their credit cards is because experian had the call center in the phillipines at one point. They were paid on how many kept and they would lie about saving a customer when they really said they were cancelled.
Experian has recently moved the call center to the US so that will not happen any longer, FOR THE CUSTOMER'S BENEFIT, because trust me, they paid a lot of money to build a call center here and to pay the employees more just for you!
Reviewed May 21, 2007
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.
Reviewed May 5, 2007
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.
Reviewed May 3, 2007
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.
Reviewed March 10, 2007
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.
Reviewed Feb. 25, 2007
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 SENT EXPERIAN NUMEROUS E-MAILS, TRIED TO CALL AND SPEAK TO A LIVE PERSON. THE PHONE NUMBERS ARE AUTOMATED SERVICE. FINALLY AFTER ONE MONTH OF E-MAILS SOMEONE WROTE ME BACK AND TOLD ME WITH MY SITUATION I WOULD HAVE TO SEND IT TO ANOTHER ADDRESS. LATER I GOT ANOTHER REPORT WHERE THEY DELETED THE TWENTY-THREE ITEMS BUT THAT'S ALL. SO NOW IT'S GOING ON ALMOST TWO MONTHS AND STILL IS NOT FIXED.
I HAD TO PAY MY LENDER TWO HUNDRED AND FIFTY DOLLARS FOR AN EXTENSION DUE TO THIS.
Reviewed Feb. 7, 2007
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.
Reviewed Jan. 3, 2007
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!
My husband, I and even one of my friends have tried all day to contact someone at Experian but all we can get is automated phone service of which none of them deal with this kind of complaint. We then went to their website and tried to dispute the problem but the website stated that I had to purchase my credit report first before I could dispute it. We attempted several times to do so, but each time was given an error message because to them, I DON'T EXIST!
Reviewed Dec. 28, 2006
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.
They've listed accounts that have been closed since 1998 and have inaccurate addresses on my credit report. My credit is as pristine as possible and would like to keep it that way, but cannot trust experian. What's even more upsetting is the fact that Bank of America actually trusts experian's word! This by no means is a gripe against BoA. I would love to see something done about their practices.
After daily calls to a black hole and numerous certified letters, matters still haven't changed on the report from Experian. My husband's report is equally as inaccurate. There are items on there that are human errors that one of the other persons in this topic has mentioned. The mental stress due to the constant work in trying to get these concerns resolved is equal to the economic damage. Time, thought and detail as well as back up history has been provided to what I feel to be a shred machine.
Reviewed Dec. 4, 2006
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.
Reviewed Nov. 14, 2006
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.
Reviewed Nov. 2, 2006
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.
Reviewed Sept. 19, 2006
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.
I ran my annual credit reports, and there wasnt anything factual on my reports. It also appears that I may be the victim of identity theft. Not only has Experian been ripping me off every month for false advertised services, I now have the difficult task of resolving problems on my credit report due to false security of the added protection I thought I was receiving,
Reviewed Sept. 1, 2006
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.
Experian has placed an alert on my credit report because Experian states that the Norfolk, Va. address has been connected to someone else's past fraud reporting (it is a mail receiving facility). This has nothing to do with me.
Reviewed Aug. 23, 2006
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.
Reviewed Aug. 3, 2006
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 was denied credit based upon innacurate information in Experian's credit report.
Reviewed July 20, 2006
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.
This could result in further damaging my credit as I am unable to remove an inaccurate claim on my credit report.
Reviewed May 27, 2006
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.
My son was a fraud victim in the past and want to keep watch on his credit report at all 3 agencies. Maybe no damage, but how can we find out?
Reviewed May 23, 2006
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.
As a result, I cannot get these items off of my credit report. I've been turned down for apartments, jobs, purchases -- all when I have letters from my bank confirming the fraud. At least I can see that many people have had the same experience with Experian.
Reviewed May 22, 2006
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.
Reviewed May 12, 2006
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.
Reviewed May 3, 2006
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!
I have been denied credit and even debit cards from my own bank due to the items posted by Experian on my report. Due to my credit score, I was forced to accept a higher interest rate for a home loan - which I was almost denied. I have spent many hours trying to contact this company to get an explaination about what the items on my credit report are from, but to no avail.
Reviewed May 2, 2006
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.
I like so many other people have found the Beacon Scoring farce to be Prejudicial and highly Discriminatory. It is , as well, a complete MYSTERY to everyone including the credit reporting agencies, as to how it works...I have, by a large margin, more perfect credit than negative credit, even through the disasters, yet my Beacon score is lower than that of most HOMELESS PERSONS, and nobody can tell me WHY or even how to fix it.
I HAVE had some pleasant experience with Equifax, and they truly want to help, but EXPERIAN and TransUnion have done their level best to prevent you from speaking to a human being, discussing or disputing credit problems, and they have had ABSOLUTELY NO REGARD for victims of National Disasters. The Beacon Scoring system needs to be outlawed and some common sense laws passed to PROTECT the CONSUMER for a change.......It seems as if all current lawmaking benefits the merchant or credit reporting agency, and WE THE PEOPLE don't stand a fair chance.
Reviewed May 1, 2006
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?
Unable to get a home loan, unable to get a car loan, unable to get a credit card due to erroneous, fraudulent information on my credit report because of this agency.
Reviewed April 18, 2006
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.
Their main objective was to make me purchase another credit report FROM THEM before moving forward. They do not provide an address on their website or give you any possibility of speaking with a live person. What is a disgrace is a company that holds so much of our "lives" in their hands can be so outright unlawful. But even worse is the fact that you can look at the countless customer complaints on this website and know that absolutely nothing is being done about them. Life is too short and our livleihood is too important to have to deal with this.
Reviewed April 15, 2006
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.
Just gets on a person's nerves that agencies with such power to ruin your credit with their mistakes make themselves completely inaccessible with those automated systems that, if they can't be programmed correctly, should be abolished! All automated systems should have an option to speak with a live person, especially credit reporting agencies.
Reviewed April 15, 2006
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 score is much lower than it should be.
Reviewed March 29, 2006
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.
Reviewed March 26, 2006
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.
Reviewed March 18, 2006
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.
Reviewed March 8, 2006
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.
Reviewed March 6, 2006
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.
Reviewed March 3, 2006
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 even filed a COMPLAINT AGAINST EXPERIAN WITH THE FTC, but they can't do anything until a certain number of consumers file complaints, then they can take action. This seems like double jepordy to me as why even have the FTC if it takes a class action to do anything? Why have the consumer protection laws when they are not enforced? By law once an item is removed like that it is not to be put back on, but they sure get away with it!
Reviewed Feb. 26, 2006
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.
Well, I've been signed up for over a year. I've now spoken with 6 customer service people and have been assured it's a priority for them to get my account fixed. They say the link is not working. However, it never seems to get fixed. Two of the reps told me 3-5 days. The others said 2-3 weeks.
Reviewed Feb. 24, 2006
In 2001 we used Experian Credit to repair the inaccuracies on our credit reports and they informed us they did.
They told us that our loan with Commonwealth ( which we paid monthly out of our checking account) would be corrected and also a small item from the same bank would also be corrected. They were supposed to get this done. Not only did they do nothing about any corrections we asked for but .
My wife got the corrections done herself but then they put them back on again and when we went for a refinance in 2005. We found out everything was put back on and never corrected even though we had letters from the Bank saying they were to correct the errors. They are a disgrace. They should be fined and put out of business.
Experian Company Information
- Company Name:
- Experian
- Year Founded:
- 1996
- Address:
- 475 Anton Blvd.
- City:
- Costa Mesa
- State/Province:
- CA
- Postal Code:
- 92626
- Country:
- United States
- Website:
- www.experian.com