Experian Reviews

I have a monthly subscription to freecreditreport.com (subsidiary of Experian). My score for January shows mid 700's. In same month, I applied for a credit card from Citi and they showed my Experian score as mid 600's. No doubt resulting in lower limit with higher APR and a hard inquiry ding on my credit report. No doubt each will point to the other one stating it's their bad data.

I'm very happy with Experian. They help me. I don't know how come a lot of people say "This is a scam." Learn how to read. It is not that difficult to see the fee. They have to get the Experian report. I see a lot of comments regarding the extra fee for the three bureaus. Come on, how the heck somebody can be so brainless to get a charge when all the info is on the website? Again, learn how to read. It's as simple as that.

In early December I paid $1 for three agency credit reports through Experian. They automatically signed me up for "Credit Watch" and I was told if I cancel within so many days of the "free trial period," I would not be charged. My cancellation email arrived on Dec 9th. My credit card was charged $17.95 on Dec 15 and then again on Jan 17th. In January, I clicked on a link in an email from Experian saying something had changed my credit score.

I had never even heard of Experian until I saw a charge from them on my online bank statement for 19.95. I never authorized such a charge, never ordered a credit report or visited their website. I called my bank and they froze my account, I can't file the claim since it's still "pending". Hopefully, it clears today, so I can go to my bank and file a fraud claim. I was so angry, I even called Experian last night.

On November 30, 2011, after one of our credit cards was compromised, I checked the credit reports for me and my husband at Experian.com, and paid $1 each on my Bank of America credit card. On 12/7/11, Experian charged $17.95 two times, and again on 1/7/12 for a monthly membership that I do not recall signing up for. I called Experian and canceled, but they would not give me credit. I called Bank of America credit card, and they said Experian does not give credit. I think their website is deceptive and fraudulent, and I would not use their service again. I wasted $72.

Last month I noticed a charge from Experian on my bank account for $14.95. I thought it was weird, but then dismissed it (don't ask me why, I guess I thought it was a mistake).

I signed up for a 30-day trial back in 2009 with them and had no problem canceling before I received a fee. Now, over 2 years later, I received two $1 charges to an Amex card (that I didn't even have in 2009) in December. Amex called me about the charge because it looked fishy. Because there were multiple instances of this charge they canceled my credit card and sent me a new one. I just got a $19.95 charge today. So I called Amex and they told me that the company has tried many times to charge me, but they blocked it (trying to go thru the old card). I called consumerinfo.com and they can't even tell me why I'm getting a charge because my account is closed. They said to call back tomorrow after the charge has cleared. This is crazy!

I noticed last month that I had two $1 charges from Experian that I had not authorized. I called my bank, and after the second call, they sent me to their fraud department. They cancelled the charges and issued me a new debit card.

I signed up for a free credit report from Experian, but I had to supply my credit card. Stupidly, I did. Then they charged me $19.95 twice in one month (December 2011) only three days apart. I have contacted them about this and have not received even an acknowledgement.

I have been rebuilding my credit score for years now since a bad time in my life and finally about to break 700 with my score at 699. Then on June 13th, 2011 Experian showed my only major credit card as closed and since that is the only one I have, it dropped my score 30 points. I have been sending proof and talking to my credit card company since then and my credit card company says that it is open and it shows open on all my credit reports and yet my credit report shows it closed and they say that the status won’t change because the credit card company said it is closed.

I ordered a credit report & credit score through Experian & www.annualcreditreport.com. I did not realize when I paid the $1.00 for the score that I would be signed up for the $17.95 a month credit monitoring.

First off, as a recent Air Force veteran, I am ashamed that I fought for the rights of the people of Experian, who are clearly engaging in fraud and deception at the highest levels, blatantly stealing money from ordinary citizens of this country, which I consider to be un-American. That said, like so many others on this board, I signed up for a free seven-day trial to monitor my credit report via CreditReport.com (owned by Experian). I canceled the same night (after finding out they apparently "didn't have enough information" to deliver my report) and upon closer scrutiny, I have been charged $19.95 for the last two months. I keep close tabs on my finances as well as my memory's braincells, and I know for a fact I canceled within my "free" trial period.

I signed up for a free credit report. After reviewing my bank statement, I have noticed that they are taking money out of my account without my permission. When I called, they said that they do not give refunds! I will never use them again and will tell everyone.

I called on behalf of the charges made to my debit card. I authorized one payment of $1.00 and received two additional debits of $29.95 and $39.95. I spoke to a young man who could not even tell me why the one charge was made. Their website said I would not be charged more than a dollar until after the 7-day trial period.

Signed up for a seven trial for credit monitoring. Cancelled the membership the same day, but my credit card was still charged $16.95. After I got my statement, I called Experian and was told they had no record of the call and would not refund the money back to me. My advice-- do not sign up for a "trial membership". Instead opt for the free credit report you are entitled to once per year from each credit reporting agency.

As with many other complainants, I found charges on my credit card from creditreport.com (which appears to be owned by Experian) despite me not ever having signed up for or even heard of their service. I believe the problem is that they have very lax verification procedures for credit cards when people sign up for accounts. They do not verify that the name, address, phone number or CVC of the entered credit card actually match the information provided by the person who signs up for an account. Obviously, this is known about in criminal circles. Scammers know they can simply enter any valid credit card number when opening a creditreport.com account. I don't know if they do this simply to get the creditreport.com service without paying for it or if it provides some kind of avenue by which they can then exert more control over the card.

Received letter saying they would be increasing your membership to $19.95 per month. I have never signed up for a membership. I only signed up for the 1 free report I am allowed per year. When I called to question the "membership", they kept asking me for personal information that I was uncomfortable giving to someone by phone. They should already have all that information and I had already given them enough information to identify myself. I got tired of them asking all the questions without giving me any information about this "supposed" membership and how it got activated and terminated the conversation. Upon checking the web, it appears they are doing this to lots of other people. Just google the 1-877-284-7942 and you will see the posts. All I can say is I had better not find any charges on my credit card from Experian.

Now I have to write a letter to the consumer service and mail it to their customer service for the remaining half (rem mail not email), which will cost me another $5 but I am not letting this thing go. Good luck, guys, with Experian.

I put in for a free credit report and then I found charges of $19.95 on my bank account too in one month. I was not notified about them either by mail or email. I only found them when I check my bank statement. I called them and they said I didn't have an account with them and they needed my credit card number.

Experian sucks! I am sharing the same complaint as most people on this forum. I'm merely adding to it to emphasize everyone else's point. I was charged an extra $30 when I was under the impression that it was a $1 trial period. I emailed their Customer Care staff and even included screen shots to show that it does not clearly state that there was going to be a $30 charge. They basically said "tough **". If this post helps anyone from this incredibly frustrating and annoying experience, then I'm happy.

I signed up for a one time free credit report. I was subsequently charged 3 months in a row for ongoing credit reports which I was never notified of. I had no idea the charge was being made automatically to my account until I received an overdraft payment. After calling them and complaining for over an hour, they refunded one of the four months they charged me $17.95. Due to their automatic charges, I was assessed an overdraft charge of $34 from my bank.

I just discovered charges on my credit card statement since August of this year! t started as two charges of $14.95 each charged every month; it has now risen to $14.95 and $19.95 every month. I have never signed up with this company nor have I authorized any sort of credit score search or anything else. Granted, I should keep a closer eye on my statement, but it certainly doesn't justify fraudulent charges.

They charged my checking account $19.95 today. I haven't contacted them or given them this debit card information nor authorized the charge. I'm filing a complaint of an unauthorized charge with my bank.

Experian has deceptive and false advertising. They advertise a one time, $1 charge to access your credit reports then hide in legal terms that they actually mean they will charge you $29 (in the same day as the $1!) and then consecutively charge you every month thereafter. There is no clear confirmation or disclosure of what will happen. I then emailed them at their so-called "customer care" email over ten times with no response! Only when I finally spoke up on their Facebook page did I receive a response (I suggest all do this). This is a terrible business that violates consumer rights. They took $88.80 from my bank account. I managed to get $46 back but I still owed $33 more.

There was a charge for $19.95 from Experian on my credit card statement, so I went online to see what's going on. Then I found another pending charge for $14.95 from Experian. I called visa and they cancelled my cc immediately and reissued another one. This company should be investigated as I read more similar complaints above.

I used Experian in October to check my credit report. I believe I gave my credit card information for a one-time fee because it was the second time this year I was checking (as I was moving). Without my knowledge, Experian used my credit card information to debit $17.95 a month. I did not receive an e-mail that I had become a "member" nor did I receive notification of these debits as they happened. The only reason they received 2 stars instead of 1 is because after I called and demanded for a refund, the refund was granted. They erroneously charged me about $54 for a service that I neither wanted nor realized that I had.

Experian charged my credit card $14.95 without my authorization. I called my credit card company who, in turn, called Experian while I waited on the other line. Experian refused to speak to Visa, because they said they were recording the conversation and hung up. Visa also noticed that Experian issued a charge for the next billing cycle. Visa immediately transferred me to their fraud division, canceled my account, and reissued a new card number. Hooray for Visa!

I haven't checked my credit since 2008. But today, 12-15-11, I noticed they took $21.72 dollars for a "trail" credit service? I haven't asked, emailed or filled out a form. I want my money back and for them to leave me alone!

I'm not sure what is going on, but I was charged $19.95 on my credit card, for a credit report that I did not order. When I called Experian, they gave me the name of the person who the credit report was ordered for. It is not me, nor anyone that I know. Dear Experian, why would it be okay for you to charge someone for a credit report that is not their own? Wouldn't that raise questions to you? I'm not sure how they got my credit card number, but again, being that Experian is in this business, why would it be okay to charge my credit card number?

My Experian Credit rating has recently dropped to 687 while my other credit ratings are: 760 and 782. I looked back several years and my Experian rating was also in 750 range. The only thing that has changed is that I have paid off my house and both family cars. I have no debt! Your operator could not tell me anything about my account. She had a canned speech and no additional data. I wonder why I waited 45 minutes to get nothing in the way of help. Would someone please get back to me as to why my rating went down when I’ve paid my house and both cars and have no debt.

I wanted to get a 3 score 3 credit report. I filled out the application and it approved me for $39.95. I went and put in my username and password. Experian wouldn't accept it. I tried 2 more times and I still couldn't get in. I tried one more time and it came up that I had been locked out. I called customer service. The lady said that I had an account with them back in 2008 and that I might have used the same password now as I had then. She was sorry for the inconvenience and said she would give it to me for $14.95. On Dec.8, 2011, I called customer service and a man said that my account had been canceled. On Dec. 10, 2011, I noticed that Experian had taken out $39.95 out of my account on Dec. 5, 2011. Again, I called customer service. This time the lady said I couldn't have a refund because I had locked myself out the first time. So, somebody tell me what is going on.

They took 2 months payment without my approval! I signed onto Free Credit Report. com through Experian on October 15th, and they charged me even though I was offered a free report. I gave them my card # to give me access then I immediately cancelled. I never went back to that account again to use the information. I assumed I was cancelled! And then they charged me for 2 months. I called to inquire why I was still being charged and they said I never cancelled. They are a fraud and do not deserve anyone's business.

Three unauthorized charges (2 business checking acct. & 1 personal credit card) within a month. Called Experian after discovering first on checking acct. and they were unable to tell me anything about the charge. Called again today after noticing 2nd and 3rd, they gave me a name of a woman I have never heard before and said her name is on the account set up with Experian. They said it may be a case of identity theft, but no other unauthorized charges have been made. And having an unauthorized charge from Experian now on a totally separate account of mine seems more as though Experian is the one committing the identity theft.

A charge of $52.96 was found on my bank statement from Experian. When I called, they informed me that a certain "John" had opened an account with my credit card. They said they would send a check for that amount, and that I should contact the police. I had my card blocked. I still do not know how much of my personal information was compromised.

A charge showed up on December 7, 2011 for $19.95. I called Experian to dispute the charge. They asked if I knew a certain Michelle ****. I told them I did not so they did agreed to remove the charge and look into the matter.

One to five and 5 being the best. Rate: -5. This is my second time in several years to inquire for my free report and my card was charged $17.95. The message said I would not be charged in seven days. I was charged the fifth day. I do not want the service. Last time this happened, I did not get the refund back. Is this legal? I trust you with all my personal information. Please reverse the charge.

I noted a debit against my checking in the amount of $19.95 which I had not authorized. I contacted the bank, who in turn contacted Experion. Experion advised the matter may have been Identity Theft related. On the transaction, he noted the name Stephanie, and asked me if I knew anyone by that name. I do not.

This credit bureau company refused to clear all related articles from Starret Walker's credit record despite the court order proof that was sent to Experian.

Experian opened an account through a second party without my consent. This second party is hacking people's financial info thanks to Experian. Fraud (unauthorized charges) has happened twice, the recent amount is $411.77. Also an unauthorized Visa Debit card was also attached to my account, thanks to Experian. When confronting Experian on the phone, they said a "Charles S" opened the account but wouldn't give the last name. Why would Experian open a second party's request for mu credit info ?

I would give less than one star, way less. These crooks charged my bank card 5 times in one month. They are out of control and nothing more than legalized thieves. I will call my bank and demand that they void all future transactions from these crooks. How in the name of all good and common sense can a credit reporting agency be so crooked themselves? I am shocked and amazed. Buyer beware, their ads are nothing more than a come-on to scam the unsuspecting consumer into multiple charges over and over again for no service rendered at all. I couldn’t even print the stupid report.

Their website is really messed up for the last couple months. I have been a member for over 1 year. For the last couple months, when I log on for Explorer of Google Chrome, the page is all jumbled up and you can't click on everything. Also, they raised the fee from $15 to $17 per month, saying that it was because now they offer all 3 reports in one. But they don't; they only show you Experian report still.

I called to cancel my service. I was informed that my service was cancelled. However, Experian continued to bill my credit card for over a year. I hope that someone files a class action lawsuit against this company. They are stealing people's money, and they know it. If I can't get them to cancel my service with a written letter, then I am going to have to cancel my credit card just to get them to stop billing it. For me, over $150 dollars; for Experian, apparently, there are no consequences.

This company falsely represents itself. I feel I was taken advantage of and don't understand how companies like this are allowed to continue to operate. I see they also put in the agreement that I waived my right to take them to court and the right to a trial by jury. This should be illegal. ****.

Canceled but Experian is still taking payments from the credit card I gave them for monthly service. They are **!

I signed up for a free credit report on Experian.com just to check my credit score. I read the very fine print that said I would be charged if I did not cancel my account within 7 days. I canceled the account immediately after I checked by calling customer care. The lady tried to convince me to keep it but then relented and said she would cancel it. Just today I looked at my bank account and found a charge from them. I called customer care again and explained my situation. The gentleman on the line didn't sound at all sympathetic or that he even believed me. I told him I had called and his response was "sure". He was very rude! I was very angry at that point and he kept trying to make up excuses and said I didn't call when I did.

I ordered the credit report in late October. I didn't like the service and called to cancel. I received an email with a confirmation number that I cancelled. I thought that was the end of it, until I got an email from my bank saying my account overdrafted on Nov. 3rd and my balance was negative $50! Experian charged my account $14.95 and my bank charged $35 for overdrafting (I only leave a limited amount of money in the bank and two days before, I had taken the money out to buy groceries). I emailed them demanding a refund, in which they did. They sent me another email saying they would refund me and cancel my membership, which should have already been done! I finally received the refund today. But now I have to work with my bank to make sure I don't get charged again for this "cancelled" membership. Plus, I am now stuck with paying $35 for something that was supposed to be cancelled.

After getting my credit report at the end of July, I called and sent emails, which I have a record of in my sent box, telling Experian to cancel my membership. I did this in August and September. In October, they once again charged my banking account and when I called, they said they had never been contacted. This is a scam. And they should be taken off the internet.

I went to their site understanding that it was free to look up my credit report. That is the way I understood the advertisements. But to my surprise and dismay, I noticed that there were charges to my Capital One for $14.95 on two different occasions before I realized what was going on. I called them and told them to stop and to take me off their member list on the 15th of October. But later, I noticed that my Citi card had been charged for $39.00 on the 24th of October--for what, I don't know! This was after I told them I want no part of them.

They refuse to remove my former married name. This name has not been used for over 15 years. There are no credit accounts or collection accounts attached to this name, yet they refuse to remove it from my credit report. They are violating my privacy because this last name keeps coming up in Google search results. Also, on my credit report, it is a "public" record. Further, I believe it constitutes sex discrimination because a man would not have to have his previous married last name advertised to the world.

I found a charge from Experian on my mother-in-law's closed credit card account. She died in September. I ended up having to call the corporate offices to be able to connect with customer service. They refused to do anything about closing the account unless I gave them the full credit card number she was using. The girl then told me they could not look up names, it had to be done by credit card number. When I asked to speak to a supervisor, I was put on hold then disconnected. I again called corporate offices and was sent back to customer service where I demanded to speak to a supervisor. She told me they needed the full credit card number. I hung up on her and called corporate again, asking for the public relations office. The operator asked what my problem was and she told me that my wife, as executor, could get the number from the credit card company and then call back to cancel her account. They make it very easy for you to get on their service and almost impossible to get off it.

This is horrible. I ordered a one-time credit report back in April. Each month since then, they have continued to charge my credit card. I have called repeatedly and they've told me that I didn't have an ongoing account with them, so they weren't sure why it was showing up. They never refunded the money. Upon opening my latest statement, I found the charges are still coming. They told me today, after hanging up on me three times, that they did have me listed as signing up for an ongoing account, which is a lie.

I received a letter indicating that I had insufficient credit history and that I can obtain a free copy of my credit report from Experian within 60 days. I immediately called the number indicated on the letter **. After answering the questions on their automated system, I was told they were unable to help me at this time. I then tried to get the report online. I went to the website ** and after filling in my personal information, I was told they were unable to help me at this time. I don't know if they are able to help anyone to a free copy of their credit report, but under the state and federal fair credit reporting act, I am supposed to have the right to know the information contained in my credit file. Maybe Experian is above this law.

I am following up on my complaint posted on 10/15/2011.

I had to pull my credit report for a job application. This is a free report if canceled within 9 days from the report. I cannot get through to cancel the ongoing monitoring that Experian will provide for a monthly fee charged to my credit card. The phone number provided requires a number from the credit report, in which mine does not have a number! Consequently, I was not transferred to a live person. This is not a good business practice. I am very frustrated. I don't want this credit monitoring/charge. Also, Experian has me working for an employer I left 9 years ago.

Experian has combined my mom's credit information with mine twice now this same year. This couldn't have happened at the worst time too. We're trying to buy a house and my Experian credit score plunged almost 100 points because of this error. I've never had this problem with TransUnion and Equifax. My score with the other 2 agencies is both in the 750s, but 650s with Experian. Wow. Experian should really change their name-based system. Many people share names with family members. Simply saying that their system is name-based and the combining of the credit information of 2 people with the same name cannot be prevented from happening (this is exactly what the rep told me when I was disputing my mom's credit information) is such a lame excuse. This ** error in their system has just set us back another 6 months. Thanks for nothing Experian.

During the home loan application process, we learned that Experian listed errant data files on our report. This information is not listed on other reports. I cannot get hold of Experian, and they hold you hostage making you pay for their credit report or they will not talk to you. After you order the report, they send an email informing you that they will get hold you of in 7 to 10 days. This is a rip off.

I had been paying $15.00 a month for credit monitoring. Then all of a sudden, they charged me $17.95 this month. Has this happened to anyone else? Did Experian notify anyone that they were going to increase the price? Can they do this? It doesn't seem fair.

I tried to get my online report from Experian via AnnualCreditReport.com. But after answering the identity verification questions, the next page that came up was an "unable to honor request" page which included dollar amounts to purchase the report and/or receive credit report overnight. It seemed like an attempt to get money out of someone for supposedly free credit report. Maybe I answered their vague security questions incorrectly, but had no trouble with other 2 credit reports. Anyhow, I went ahead and called the phone number given on AnnualCreditReport.com site and ordered my "free" credit report from Experian via that method. We will see.

Experian will not stop sending us emails about accounts we canceled at their site. We have canceled/called 4 times with them. Each rep says that it is being taken care of. "Taken advantage of" is more like it. After saying we had to spend $1 each to see our scores, we are now being charged $14.95 on our credit card. Beware! Not only do they never correct disputes on your credit report after we have tried 3 times in the past, they now are bilking people out of money by saying the site is "free". We have filed a dispute with our credit card company and are filing with the Federal Trade Commission.

Experian has me working at a job where I haven't worked, since 2002! That is 9 years ago. The other agencies are, at least, within the last 3 years. They have impacting my score negatively and I cannot reach them on the phone. They are horrible and unprofessional and are getting in the way of my moving forward. Something needs to be done with this company.

I have been trying to dispute certain information on my credit report from Experian, and neither them nor their online credit report company which belongs to them, freecreditreport.com, discloses information such as mailing address. I needed it in order for me to send them my disputes in writing. For over 4 hours, I tried to get their mailing address and all I got was runarounds and very rude agents on the line. I wasted all my time because after I got a hold of a supervisor, apparently frustrated with my persistence, he told me directly that I needed to spend the $14.95 on their website in order for me to resolve or dispute any information no matter what, or otherwise they will keep my incorrect information on my credit report. I already had the credit report but he didn't care and wanted me to pay for another one. TransUnion and Equifax were a complete different story. All their contact information was published on their websites and a lot more places all over the internet, even phone numbers.

I requested my credit report from all three credit agencies. TransUnion and Equifax were completely accurate. Experian's report had all types of credit information for other individuals on my report. Clearly this is an error in Experian data since the other two agencies were okay. I tried to notify Experian using their website but was directed to call a phone number instead. I received an interactive voice response (IVR) system that wouldn't accept the information. I went on the internet and found other Experian phone numbers to call but those kept connecting me to the same IVR. Is there a way to talk to a human being!?

I went on the Experian site to purchase my 3 credit reports and scores! Next thing you know, I’m being billed $17.95 a month for some bogus program! Not only did I not want the bogus program, I was not notified that I would be getting it or what it was exactly! It seems to me that many people have this issue. It was because on their website, there are a tons of explanations for you after you have been charged the $17.95 fee. It's ** and a shame that in this day and age, the government still allows these private businesses to steal from the American public! Don't these private companies know that the US government is the only one allowed to steal from Americans?!

This is the second time I have found my credit report filled with erroneous information in 2 years. I have disputed them all through the Experian online dispute, and each time, they came back saying that they were found to be valid debts. They were not valid debts. They were old paid off accounts that were sold to third party companies trying to extract money from me. Even when I have gone to Experian with irrefutable proof that the debts were paid off, they still did nothing to help fix the errors.

About three years ago, my husband and I placed a freeze on our credit reports in response to the rise of identity theft. At the time, we understood that we could temporarily lift the freeze when applying for loans. We are now attempting to refinance our mortgage. We have made repeated attempts to unfreeze our Experian report using their online tool. But after going through the process of filling out all of the information requested, we get a screen saying that the only way to unfreeze the account is by sending confidential identity information (which we were trying to protect) and money through the US mail. They do not provide any way to contact "customer service" to determine why we can't use their online tool.

When I got my American Express bill last week, I happened to notice a $14.95 charge on my account by Experian. I did call Experian and they could not find any charges or any services on my name. I have not authorized or asked for any service or credit report from Experian. I did call American Express and inquired about it. They said I had been charged $14.95 on last month too, which I have failed to notice on my bill. I have told AMEX that these charges were wrongful and they gave me the credit instantly, and put the charges on dispute. I wonder how can they use my AMEX credit card number without my knowledge or permission? I thought Experian is a noble credit reporting company.

I got my credit report for a dollar. After a month, they charged me $14.95. I called and was told to send an email stating I wanted it cancelled. This was on 8/28/2011.

They would not give me a credit. They are double charging for services used within less than 30 days. I went online on Sept. 8, 2011 and within 4 days, they charged me $16.28. On Sept. 17, 2011, they charged me again $16.28. This is scam.

I went online and received a "free" credit report. When I checked my credit card statement, I found out I was charged over $60 during a two-month period.

I pulled my credit report, and on Experian only, found a 'negative item' reported from this company/collection agency, stating that I owe $45. I never used this service nor received merchandise. I disputed it with Experian only to be told that it is to stay on there. I sent letters to FTC, Consumer reports, Experian and Trident Asset and have not heard from any company other than Experian. I need this removed as it is not valid and I have impeccable credit otherwise. It seems a lot of other consumers are dealing with the same situations or the like.

Experian sent a letter saying I requested a copy of my credit report. I did not. They said the request was made 8/26/11, but I requested a report from them (the FACT Act free report) on 4/26/11. Individuals can only request one report per year. What's up with this? Now, I have to call them and I'm sure, as in the past, they will provide poor, unresponsive and uncaring service. They are terrible, just terrible.

These credit agencies that run this country have total control over anyone's life! The major problem lies in the name of the business that you are dealing with, like Experian, for example. Then, there's that triple credit report that monitors the 3. Well, I have been charged by this company, with this telephone number that is unbeknownst to me. I did cancel one because I told them that I was going to report them but they are so out of control and I do not trust them, when all of us depend on that rating. I hope that you can help me.

I will quote the Experian privacy policy, "Experian considers itself a steward of the information it collects, maintains and utilizes. Our responsibility is to ensure the security of the information in our care and to maintain the privacy of consumers through appropriate, responsible use." Yet, Experian gave my phone number to shady debt consolidation companies with these illegal phone numbers: 2-124-243-7315 and 7-500-228-2700.

Experian fails to provide any address either on their credit report or online, as does FTC. FTC fails to state any address for sending certified, written consumer disputes concerning credit reports. According to my call to FTC, they gave me this address **. I have a reference number from them concerning this complaint of no address dated 8/29/2011.

Experian failed to correct my credit report, 5 times. Today, I emailed the proof on corporate letter, along with my explanation and my driver's license. Charmaine ** (support@experiandirect.com) responded via email, instructing me to get a current credit report and to follow procedures. I check my up-to-the-minute credit report through CoreLogic every day.

After registering to receive a credit report for myself and my husband, Experian charged the $29.95 as was agreed. Then, 10 days later, I had 2 charges of $14.95 for a monthly fee that was not discussed or agreed to. When talking with their customer service, we were told that they do not give any kind of refund. This is unethical behavior.

Experian gave my son’s information to "People to People" for a life-changing experience for a junior high school student. The problem is that he was already 25 years old in 2006 when he had a fatal car accident. His last name was also different than mine. Ken from People to People told me that this is not the first complaint. This has emotionally, severely, and deeply hurt me, reminding me of this sad tragedy of my only son. I called them and they would not do anything at Experian, not even a credit report for me to confirm my son’s information.

I was given an opportunity to check my credit free, and then before I knew it, I was being charged $14.95. I then called them and complained; I was told I would receive a credit. Well, that did not happen and a month later, I was tapped again for $14.95 which caused an overdraft on my account. So then I called again and was told I would be given a credit for both $14.95 withdrawals but I would have to send my bank statement to prove my overdraft. I was so mad I could have strangled someone.

Credit bureau Experian advises me that their procedure is to classify 30 year amortization fixed rate home equity loans as INSTALLMENT LOANS, not as REAL ESTATE LOANS, as logic would suggest.

I recently obtained my credit report on 8/2/11, and found that roughly half of my information has been inaccurate. I have 14 items on my credit report that belong to my father. One of them is a negative collection from a civil suit, the other 13 items are all his and my mother's credit. There are items that date back to 1972, and I was born in 1981. It has many items opened up in the 1990s, when I would have been under the age of 18.

This popup message appeared after I signed in to a secure bank website:

I ordered my credit report and score online from Experian for $1 as they have a limited time offer. I've been trying to cancel the subscription/membership before I get charged $14.95 for each month that I continue my membership.

Experian keeps charging my Visa $14.95 for a credit report I never requested or received. The first time was on 7/6/11. On 7/11/11 I noticed the charge and both my credit card company and I got on the phone with Experian. They claimed someone had stolen my credit card number and requested a credit report for someone other than me, the cardholder. They said they would reverse the charges and did on 7/12/11. However, there is now another pending charge from Experian for $14.95, which my credit company cannot dispute until the charge goes through.

For several times, I've tried calling; I have sent emails to let them know that there is negative credit on my credit report that isn't mine. I've let them know what it is, and that there are three negative credits. I've also given them the name that the person is using. I obtained the information by calling the places that are on my report (that isn’t mine). I've also told them that the last four digits of my social security number had been changed on one report. Also, there are several addresses on there that I've never lived, and I even went as far as to telling them every state I've ever lived in since I was young. I also gave them the names that are on the accounts, and they aren't me.

A Credit inquiry was made by Rogers Lumber CO., Cassville, MO tele: 417 847-2761 to Experian Credit Bureau on 06/17/11 Concerning my credit rating.

I was just so frustrated. My husband signed up to get a credit check, about 3 years ago, because we were looking into purchasing a home and wanted to know what his score looked like. Ever since, we have been charged random amounts of money by "different companies". Every time I called, I got a machine or the representative stating that I would need to contact each "company" individually but was not given the numbers to call.

I'm writing this for my son. Last month he received 2 identical letters dated 4/22/11 from Experian. It said that a creditor had reported a change of name, address, Social Security Number. We immediately ordered a copy of his report. We found nothing whatsoever in the report. Nothing has changed as they claim. He only has 1 credit card and it's okay. So we wrote a letter asking what this was all about and who was this so called creditor? And since we had put a freeze on the account earlier, did they give out an info? My son put a freeze on his accounts as when he was laid off 2 years ago he applied for unemployment. He had to go through hell and high water when he found out that someone using his info had collected unemployment in California.

I was trying to order a free credit report over the internet. First Equifax wanted to charge me a recurring fee for the service and that has stopped in 12/2010. Then I cancelled a recurring charge with Experian through my bank and this stopped in 12/2010. Now they have started back charging the fee in 2/2011. How can I stop them besides taking all my money from the bank?

After an exhaustive two-day search for any type of contact information for this company, I was finally able to get a contact phone number from the BBB. The BBB has hundreds, if not thousands, of complaints exactly like the issue that I have with this company. The BBB has several hundred more complaints detailing other issues with this company.

I have been monitoring and correcting errors on my credit reports. I had one student loan that was being reported multiple times, sometimes to my favor and sometimes it was derogatory. I couldn't get the credit bureaus to investigate it. Finally, I contacted the ombudsman for the U.S. Department of Eduction. At this time, most of it has been corrected. Then, I decided to check my credit report with Innovis. I discovered that my student loan was being reported twice in that credit report but under a new name, CSLFC. One was derogatory and the other was satisfactory. I had no previous interaction of any kind with this company. I had no clue who they were and why they began reporting a student loan that is paid and in good status. The phone number and address they had was not accurate. It rolled over to Student Loan Services. The address on the credit report was on Bleeker Street in Utica, NY. And their representatives told me they knew nothing of this company.

I have no credit and no credit score. I have contacted Experian numerous times; I contacted my creditors, who stated that they have reported my accounts. I have disputed them more than once. I am 33 years old; I have no credit and even bad credit to show! No one is willing to help me. Experian stated that all my creditors are not entering the information correctly. This is more than emotionally draining. I purchased a condominium unit, and I could have received a better interest rate. I am now trying to purchase a car; however, about 90 percent of companies run only Experian. Now I am unable to purchase a $10,000 car!

I have been trying to have an inaccurate report changed by Experian. They refused. I sent them a "State of Indiana" Department of Revenue letter from the Indiana Government Center North located at 100 N. Senate Avenue in Indianapolis, Indiana. It states that I paid off that particular debt in 1992 and then because it took a second time to pay the state of Indiana off for the same darn bill, there is a second payoff in 1994 for the same state tax bill that is listed on my Experian credit report.

After I bought my minor son a cell phone, he started to get calls from someone looking for Mr. **. We informed the collectors that the number was now owned by a minor and that Mr. ** no longer owns it. The calls stopped but then started up again because Experian is giving out my son's phone number as Mr. **'s. I have contacted Experian about the issue and the Indiana Attorney General. Experian refuses to record that the phone number was abandoned by Mr. **. My son should not have to face seven years of harassment from debt collectors looking for someone else because Experian is too malicious to document that the phone number is abandoned.

Experian has mistakenly updated an address change to all my credit card companies to my daughter's address in Ohio. All the companies I contacted to corrected the information and told me that it was done by the post office. That was not the case. I finally found out that it was done by Experian and they are impossible to contact. They did not have authorization and no one contacted me to verify the change, not Experian and not any of the companies. It was just done and has caused me now five months of problems.

Just a total scam. I usually catch fine print but I didn't this time apparently. Absolutely unethical. They charge you $14-25 when you think you are paying $1.00. Make it way too easy to be tricked.

On November 13, 2010 I decided to check my credit score, due to a lot of emails telling me, my credit report has changed. This website offered me one 24-hour access for $1.00. I accepted, and they gave me a Membership ID #**.

I ordered credit report through Experian. Navigated through the process without too much difficulty. They were promoting $1 offer with services to follow. I paid the $7.95 for the credit report which was the price I agreed to. I didn't see anything through the process that committed me to an obvious trial period regardless with FreeCreditReport.com. I was trying to avoid any promotions and I specifically attempted not to sign up with anything to do with FreeCreditReport.com because of items I've read about their deceptive practices.

I paid Experian $1.00 plus $24.95 to see all (3) of my credit reports. 12 days later, I cancelled, so that I would not be charged again. I didn't need to see my credit report again. I received an e-mail on day 29 after I first joined/paid Experian. The Experian e-mail was a confirmation of my membership cancellation. Two days later, I noticed on my on-line bank account, Experian had hit my Visa bank card for another $24.95. I never authorized that charge! This is nothing short of bank fraud! I contacted my Bank and they weren't much help! Never, never, never "trust" Experian. Do not give them your credit card number for any reason. I had to cancel my Bank Card, to be sure Experian wouldn't hit my Visa bank card again. These people are nothing but scam artists!

I tried calling this company but there is no access to a live customer assistant so I tried to contact them on the Web site. After I had signed up for the service, the Web site would not allow any way to continue. They have my information and I do not have any more access than I got with the phone--and I have essentially paid for nothing. They said that I would be billed so much per month when all I wanted was a one-time credit report. The deal was that I could cancel but there is no avenue to do that. Getting back on the site merely gets the same page and is only for signing up for more. This is a company that has the power to prevent me from doing business, take my money and then leave me with without the information I paid for and no way to cancel. This should not be tolerated in online commerce.

A background check was done through Experian which included someone other then myself. I tried to contact them through the website and the stupid automated system. No results! I looked further and got a phone number to the corporate office. Here is the number for people who can't contact someone, 1-714-830-7000. Hope this helps everyone who has to deal with this poor excuse of a company.

I went to the Experian web site to purchase the credit reports and scores for my wife and myself. At the top of the home page in a large font it says "What's your credit score? Find out now for $1." Then it says in a red box "Limited Time Offer! Get your Experian Credit Score and Report for $1!" There is then a button to click that says "Get your credit report and score." I clicked on this button, filled out a few pages of information and purchase the reports for myself. I purchased a three bureau report for myself which was an additional 24.95.

I wrote a complaint letter months ago to dispute two accounts on my Experian credit report and they refused to re-investigate. I disputed an account that is too old to be on the report and one account that is incorrect. They refused to re-investigate and delete that incorrect information in my report. Report number ** is one of the reports that I have requested from Experian, but I have been trying to dispute this for over a year and they don't follow the Fair Credit Reporting Act rules.

The economic damage is that I cannot get a loan to purchase a home. The interest rates on my credit cards are high. Because I could not get a loan from my own bank because of their report, I had to go to a payday loan office and pay 400%. The fees continue to pile up. Beware of this company and their website. They gobble your information and assault you with your information that you are required to give to file a complaint.

For example this year alone. I purchased my credit scores on 3-3-10, 9-21-10, and 10-25-10 and every single time I look, my scores are different. I do not care who sees this as I am frustrated with the credit industry. I will list my issues below and credit scores by date below.

Over the course of 7 months, my credit score has increased to 711 and decreased to 659 about three times. Back and forth, etc. An old student loan that was inaccurate kept appearing and disappearing from my report. My comments from March of 2010 have pretty much remained the same. My score keeps improving and getting worse such that I have had to sign up for constant monitoring of my credit score to ensure that this stops.

Tried to run credit report with Experia but could not online. Said my info did not match what was in the system. Could not find a phone # or a real person that could help. Had to apply by mail. Ran a report with free score and found three incidents only reported by Experia after checking out the sources it's not me.

I requested for a credit freeze and sent all information required. I sent it by certified mail, as requested. I received a letter stating the request was honored. A week later, I received a letter stating they couldn't honor because the info needed was not received by them. There is no way to contact this company, by mail, phone or internet. I need this security freeze as identity theft was experienced.

I've experienced some of the same issues with Experian that have been reported by others here. And I can't find a mailing address for them. I filed a complaint with the Federal Trade Commission and encourage others to do so. Hopefully, Experian will be investigated if there are enough consumer complaints. Go to ** and on top "Quick Finder" section, click on Consumer Complaint. The FTC multiple choice tool is really easy to use.

My credit union (Visions fcu) informed me that there was another SS number attached to my history that I am unfamiliar with. I was instructed to call Experian and inform them of situation. I don't have a number that they require attached to this case in order to be able to speak to a person and the CU doesn't have one either. I have no idea how to proceed.

I went onto experian.com to obtain my free credit report for myself and my husband on Aug 2. I believe I was fraudulently lured on their home page where it states "Get your credit report and score for $1" where I clicked on that and was directed to another page to proceed. I believed that this was where I was supposed to go. I was subsequently charged a Months Usage of 2x $14.95 on Aug 12 (which I just saw today Aug 13).

Inaccuracies appearing on the credit report are almost impossible to resolve since they "blame" it on the Credit Bureau, an entity that no one can contact directly to resolve issues. When trying to correct errors with experian.com the results are disastrous, leading to even lower credit score! Example: real estate mortgage which is still being paid for since 2005 is being reported as "discharged thru bankruptcy" this being one of the most damaging items to anyone's credit report.

I continue to get scammed by this fraudulent operation. Can anyone tell me how to definitively get out of this never ending cycle (i.e., need to have a credit report number to cancel; need to pay $14.95 per month to get one, etc)

I have disputed an inaccurate listing (public record) on my credit report. I obtained a copy of the item from the SD Court and disputed the item they have shown as there are multiple inaccuracies. Over the past 12 months they have claimed to verify the item as accurate, or just outright ignore my certified letters. I have attempted to contact via phone but find it very difficult to speak with anyone. I have proof this item is wrong and they will not accept my court-produced documents. Due to this being a public record, there is nowhere else to dispute and the court acknowledges that they do not provide any information to the credit reporting agencies; unfavorable interest rates, denied loan applications, etc.

Experian claims they are a world of insight! I had the same judgment filed twice in 2004 and was satisfied in 2007. I have disputed 3 times the fact that it was duplicated and they keep posting as a judgment. Forget trying to talk with someone as their answering machine is on all the time. I have called the attorney that duplicated this information. They told me to just dispute it with the letter that they provided me. Great! I can't get it off of my credit report consequently, making my score low and my report look bad. I am trying to refinance my home and the bank wants this off of my report. Can someone tell me what more to do?

Experian are crooks and extortionist, plan and simple. Now, that my opinion is out of the way here are the fact as they relate to me and this compliant. I went to Experian to get my report after I was declined for a pre-approved credit card. I did not want a free one as I was entitled after the credit rejection. I was willing to pay the $10.00 for the report, but I could not get the report because they said online that I was enrolled in credit alerts with them, this credit alert I tried and canceled with them 2 years ago. I try and call them and got the same thing others here have gotten. I could not get a customer service rep unless I had a credit report number from them.

I have had an account with Freecreditreport.com (Experian) for a number of years. I use them to monitor all 3 of my credit reports. My loan broker and Credco pulled my report on 7/7/10 and the 3 scores are much lower then what is shown to me on my Experian online account. Pulled report Experian: 715, Online: 736, TransUnion: pulled: 773, online: 762, Equifax pulled: 687, online: 732. These online number reflect a 7/2/10 update. I called Experian to ask why. I was given a boiler plate response, "Lenders use several different models to determine your credit number." I advised them yes, but they all obtain the information from the credit bureaus for their models. I was transferred 3 times and received the same answer.

My credit score with Experian is continuing to decline in spite of the fact that my bills are paid on time and I have never missed a payment. There is nothing derogatory in my report that I can see that would cause my score to drop. My scores with Equifax and Transunion are rising, so why the difference? I called to speak with someone, and was told that I had to order my report for a fee before they would talk to me. It appears that this is an attempt to extort money from me, and I am sure others, to get this corrected. It seems as though they are lowering my score to get my attention.

I am having problems with my credit report with Experian credit reporting agency. I have sent them the document to support my case, and each time I review my report, the same incorrect information is still showing up in my report. When you try to call them, you never can get them. I am really disgusted with Experian. I would appreciate any help I can get. I just don't know what else to do.

They refuse to delete information on my account that is over ten years old. First, they said it had to be ten years from the first missed payment. I informed her that it had been. She then said that I had a missed payment ten years ago, but then I made an one-time payment so the clock resets? Also, I have paid collection accounts that are ten years old but they will not remove. Seven years since bankruptcy and my score is low. It has not raised since then even though no late payments or collections for over 2 years.

My credit report shows no late payments for several years, only 1 credit card open-owing less than $700. I had a medical bill on there, which I thought was the cause for my low score of 600! I paid off the bill as well as paid down my 1 credit card. My score did not move even 1 point! No bankruptcies, no judgements, and no late payments. Yet, they cannot tell my why my score is low.

I received a letter today telling me there was a potentially negative item on my credit report and that I could contact them for a free copy of my personal credit report. Thank you so much for taking the time to report your experiences. I will be shredding this! Thank you.

I received a letter today from National Financial Assistance Center. Its title was Hardship Assistance Notification, 2010 Debt Relief Program, and re: Preliminary Acceptance. I have received one other letter from a similarly titled business which I threw away. Each letter came as a result of information obtained from Experian. I have been unemployed for 11 months and money is tight. I have no doubt that the all powerful Experian Agency can collect information on me, but can they sell it to firms such as these?

I sent out letters of dispute to all 3 credit bureaus. I received a response from Equifax and TransUnion where I was able to also check on the status of my disputes online. I am trying to do the same with Experian only to find out there is no way possible to follow up on a dispute or talk to a live person. I have been on the phone for 3 hrs today speaking with different people in different offices, one in California and the other in Illinois, only to find out that they keep giving you phone numbers that direct you back to the same recording. The recording asks 3 questions of which have nothing to do with following up on disputes. Because of this, I am held up in getting my loan with liberty unsecure.

This company deliberately and neglectfully alters the credit score to reflect a negative score even though only positive matters and on-time payments have occurred. They do this to continue to cause consumers to need to purchase their service. This is a fraudulent and misleading way to do business and they need to be legally held liable for committing fraud in their misuse of the Fair Issac reporting system. They are unwilling and unable to explain to me why my score dropped by 23 points rather than increase. As well, this score is 84 points lower than my TransUnion score. The irregular nature in which they report is criminal and they need to be shut down once and for all.

I called to suspend credit freeze. I provided all required information PIN, Birth Date, SSN, etc. I provided my credit card number to pay for the temporary suspension. Everything appeared to go as expected except my credit freeze was not suspended. I attempted to contact, but was required to have a current Report Number no older than 90 days old. The only way to have one of those? Pay for a credit report! I am unable to obtain credit check to get store credit card. Experian is the only credit agency they can check with!

My credit score dropped from 768 to 748. When I contacted Experian, they said they did not know why and wouldd call me back with an explanation. To this day, no one has told me why my score went down.

As a multitude of other consumer have complained of, they will not provide me a free copy of my credit report. They advised I must pay the $24.95, then I will also be automatically signed up for Triple Advantage membership each month for a fee of $14.95. You are unable to speak with anybody with Experian unless you have a "paid" report number. Unable to ascertain if my credit is at jeopardy or if any fraudulent activity is taking place, unless I pay their continuous monthly fees! Total scam artists.

Yes, I got online and only wanted to check my credit reports out, not the credit score. I got charged on my VISA debit card for $24.95 and these people will not give me my money back. Then, they said they used on my husband. He used it but only was charged a dollar so they scam people. I like to have my money back. They are refusing to get a hold or fax the VISA debit company and so there was an error. I swear I will sue if I have to in my state and county. The courts here don't play. They will get sued for this, looking at a possible felony on this one on their part. It depends on what the judge will do and this is not the only company that has done that I will file another. But this is ridiculous on their part. It's supposed to be free, not pay $25.00 to check a simple credit report.

On 4/08/10 I ordered the 3 in1 credit report from Experian for $24.95, a one-time payment, and had it billed to my credit card. Nine days later I was billed another $14.95 by Experian. I called my credit card company to question the charge and explained to them that I did order the initial credit report but did not agree to anything that justified the second charge. They advised me to call Experian to first try to resolve this matter.

I am extremely suspicious that my Experian score dropped by 60 points because I stopped payment for the FreeCreditReport.com service which is owned and operated by Experian. I was using the FreeCreditReport.com service, and I was paying the $14.95 per month fee, and my Experian credit score, the one included with the subscription, was 738.

I put a freeze on my credit for fraud prevention. I am currently working with Bank of America to secure a home loan and need to unfreeze the Experian credit freeze. This is is turning into a nightmare. I requested a 30 day unfreeze online, nothing has changed. I can't get financing until this is cleared. The software the broker is using doesn't have an option to enter a PIN (temporary, one time use PIN to access the credit information) I'm contacting Experian to find out what is going on is futile. I am almost to the point where I just want to drive to their office in Costa Mesa and maybe can actually get someone to help. If a company offers a service, they had better ** well offer support. I am just saying. This is ridiculous.

I have two items on my credit report that I have provided proof that they are in error. The creditors wrote Experian letters explaining that they are in error. I have called Experian four different times and mailed them the proof and creditors’ letters three times. I have been trying to call them again and I'm placed oh hold for 20 minutes each. Experian is refusing to discuss the issue with me. This is having a negative impact on my credit report and is preventing me from obtaining a student loan for my daughter’s.

I am a victim of fraud, my SSI number was stolen and they took it to Indiana (where I have never lived). What I am unable to clean up is the record on Experian of public record of county tax lien. The county of origin released them last May; the other reporting agencies removed them. I spoke with Experian today and they stated I need a letter from a court stating they are fraud, before they will remove them my records. Whatever your organization can do is much appreciated. Thank you very much. My credit score is 50 points less with Experian and I am trying to clean up the fraud.

I had just found out that somewhere in MN, my federal student loan information had been stolen and that I was required to login to the Experian website for a "free" 12 month trial. To my astonishment, the website was advising me of entering credit card information and a charge. Reading this website has only furthered my concerns about not calling and dealing with this non-sense. To all those that have had a hard time reaching Experian, the letter did do one thing, it gave us a phone number to reach a representative.

I wanted to retrieve a credit report from Experian in order to enter a dispute with the inaccuracies in my 3-in-1 credit report. Both Equifax and TransUnion have already resolved the disputes and corrected the inaccuracies, at no charge. Experian charges $1 plus $14.95 a month for credit monitoring if you don't cancel within 7 days. My hunch is right when I googled Experian and found this complaint site here. I will not pursue paying Experian $1 just to get the credit report. I plan to take this matter to the Feds and go from there.

I had a credit score of 727 as of March 15, 2010. Less than a week later, I checked my credit score again and it was now 589. Four items that had previously been removed are now back on my report. I went around and around with Experian and they said even though some scores had not been updated since 2008, they still believed them to be valid. I knew them all to be removed as of 4/2008. They maintained these were my late marks. I spent countless hours getting this information removed. Now, I have to start from the beginning again. Experian is not to be trusted.

I attempted to order a credit score from Experian along with my free annual credit report. Twice I put in my credit card number and was directed to a page to answer 4 questions which I answered and then received the screen saying the page was not found. I found a technical support number through this site (could not be found on Experian site) and they wouldn't even check to see if it was a problem with their webpage so I know what happened with my credit card information.

On 2/2/10, I wanted my free credit report on my computer. I typed in Experian free-credit report and up popped Experian direct. I got one credit report, but they don't tell you that they are charging you $14.99 and then they keep charging it. I was charged on my credit card 2 times. I sent emails and more emails. I couldn't find their phone number. (They don't give it to you, I found it on a complaint site.) They said they would not return my money and I told them they were thieves and fraudulent in their action.

I paid Experian $1 to get a free credit report. After they had my card number, they started charging my credit card with multiple charges. Within a matter of a month, I got an email saying my credit has changed. I clicked and got charged $24.95 under info.freecreditreport. I never authorized this payment. Then I got charged ProtectMyID.com $12.95 again. I called to complain and the customer service reps at Experian were so cold. Never use Experian!

I ordered my "free" credit report Jan.11, 2010 from the internet site "free credit report.com". I did receive the Trans Union and Equifax report, but not the Experian. When I inquired, the site stated that it was requested and that I received it. The problem is that I never received it. I wrote to the address given and they sent 2 computer-generated letters saying that I am not entitled to "another one".

Years ago I had a fraud alert placed on my credit report (not by choice) by the 3 reporting services, Experian, Equifax and TransUnion. It has now become impossible for me to get a credit card because the services (mainly Experian) will not allow the companies to access my information. Some companies just asked me some personal questions to confirm my personal information and bypass this roadblock. However, banks (like Chase) presently stop the application process as soon as they run into the credit access block.

I divorced in 11/2003. My spouse was awarded the home in the divorce settlement. In 9/2004, I discovered he had not made payment since 12/2003. I filed for Chapter 13 and discharged Chapter 7 in 2007. They have that and they began foreclosing in 2007 on my report I requested them to remove it like the other credit bureaus and they have refused and I have document proof.

Today I needed a credit report. In order to get the "free" report, I signed up for a seven-day trial of "Triple Advantage" and used my debit card. I have seven days to cancel with no charge and I have attempted to do so; it seems there is really no way to find this "product" or any way to contact a live person to discuss the problem. As stated by another party, the automated system requires a report number, which is not included on my report anywhere I can find. I have been unable cancel as of yet, so they plan to charge me $24.95, $14 plus a month to monitor, and God only knows what else is included in this scam. It says 24-hour toll free support is available, but they give you no means to access it other than the automated system. The “contact us” icon seems to be "broken" on the website. What a bunch of lies. What agency do we complain to?

My husband and I froze all of our credit about 2 years ago to be protected from identity theft. We unfroze all of our credit 12/29/09 in order to refinance our home. All went well except my Experian. We have been attempting to refinance and cannot get approved because Experian cannot resolve this issue. The 3rd party agencies that mortgage companies use to pull your credit cannot get my report from Experian. Experian has provided me with a letter stating that my credit is not frozen. However, we have gone to 2 different mortgage brokers that have had their 3rd party company attempt to pull my Experian report.

There are calls where they gladly take your money from you, never receive what you paid for. I am no attorney but think it is illegal to take money for something that is never delivered.

I printed out a free credit report, but it did not have a report number on it. I called their main telephone number at 888-397-3742. It is an automated system. I wanted to file a dispute using their automated system but it asked for a report number which I did not have. Since I did not have a credit report number, I could not file a dispute. The same thing happens when trying to file a dispute online via their website Expedia.com. I did an online search for any other telephone numbers that I could call to speak with an actual person instead of a computer. I found their technical support line at 800-854-7201. The person told me that since my question was about my personal credit report, I would have to call the main telephone number. I told him that I needed a credit report number in order to file a dispute over the telephone.

I recently checked my debit card bank statements, which I should have been checking for over a year, and noticed a charge of $14.95 that was happening once per month for over a year now. I did a search online and found out that it was Experian Direct (there are hundreds of complaints about this online). I went to my bank & asked to block the transaction. They told me it cannot be blocked, because the company was charging it through my ATM Debit card and not through the account itself. I had to cancel my card and re-issue a new checking account.

Under both the Bank of America Privacy Assist product and Experian's 3n1 product my credit score is reported anywhere from 10 to 100+ points above what the lenders I've approached for a mortgage are receiving. These products as well as every other credit monitoring report product advertises. I cannot get a mortgage because of (1) low credit score--at least the one the lenders see and (2) too many inquiries. Well, duh, how else can I get an accurate score? I entered into a contract to purchase a house in November based on the BoA Privacy Assist scores and they will not give me a mortgage and I've been banking with them for years.

I have two things on my credit report that were taken off once and then put back on. I have disputed this and they do nothing but re-verify. Also they have changed the off date on one of the other items. Twice now it was supposed to be off in October of 2009. Now it has changed to February 14, 2010. This is against the law. I have disputed that and they also just verify but don't take these off. Please help. This has stopped me from buying a house or a vehicle.

I ordered a credit report in 08/2009. I agreed to pay a one-time fee. Since that month, I have been charged monthly $14.95 for credit monitoring. I called back and talked to Experian representative and manager. They explained to me what happened and how I got charged $14.95 monthly. According to their explanations, in order to get a credit report, a consumer has to agree to a Triple Advantage credit monitoring. I recalled that these information were not clear at the time I ordered my credit report, otherwise I would not order the service.