Experian Reviews

Former 2025 Representative were very unrealistic and condescending. They were intrusive in making decisions for me and did not agree on like whom to talk to or what issues I wanted to resolve first next then or Last. They were mouthy and very rude laughing at my clients and being Cocky. Very Unprofessional to say the Least. After putting her in her place she laughed.

You can't reach a person. Cannot. Unhelpful Bot hangs up on you. Why doesn't Experian recognize my phone number? I'll never know. Oddly enough, while it doesn't recognize my phone number when I am trying to log in, and to get a new password (I didn't forget mine, but it did), it (the ever so unhelpful bot) did send me a text message at the phone number that it doesn't recognize.

After receiving my newest credit rating this month which had decreased substantially, I called in to question why since nothing and I mean nothing changed with my credit. No dings zero credit usage, one loan with three times the payment every month and I want to know why Experian dropped my score 22 points. However, I'm unable to get hold of a live rep to find out

Went to cosign for a car loan for my daughter, who has no credit yet. I was confident because Transunion and Equifax have my score in the 700s. However, Experian has my score at 658. The bank is requiring a paystub to prove I work! Are you kidding me? I have worked hard to get my credit score back up after a bankruptcy 17yrs ago. I have made all payments on time. Every account on Experian says exceptional payment on time or something to that effect. But they rate me at a 658? I am beyond livid. This is not fair to the consumer whatsoever.

Experian consistently provides lower credit scores compared to the other two credit bureaus. They tend to deduct a significant number of points for minor charges and only restore a fraction of those points when you regain your previous status. Additionally, they often promote add-on services during this process. Unfortunately, we need all three bureau.

Had number change two months now. Still can’t get in account. They still charging me for subscription plan. Automated calling don’t help. Can’t verify me cause still have old phone number. It says invalid credentials.

I had a few incorrect collections that Experian didn’t handle properly, and it really hurt my score. Had them removed by Creditmason Repairs. For anyone struggling negative items, I'll advice you try them. It took just four months to move into the 700s

Unauthorized $24.99 Charges, No Refund, Impossible to Cancel — Experian Is Running a Scam-Like Operation. I was charged $24.99 by Experian two months in a row for a service I never knowingly signed up for. I did not authorize recurring billing, I never consented to a subscription, and the “partial refund” notice they sent never materialized. After a full day on the phone — multiple calls, hold times, and runarounds — I finally forced a cancellation. Then they charged me again the next month. This is not an honest mistake. This is a pattern of deceptive enrollment flows, opaque billing, and deliberate friction to keep customers paying. It’s a business model that profits off confusion and inertia. What happened to me (verifiable, factual):

The worst experience of my life. I’ve worked with Transunion… awesome, Equifax, terrific and Experian—like kissing satan. I cannot talk to a human… The computer only answers runs 20 questions and says to go online then hangs up. The problem is online doesn’t work because I cannot access my account. After repeated attempts to get help I have given up for the day. If you ever need any thing from this disaster of a company you will get the rudest computer hanging up on you. Do Not Buy Anything these scammers are selling!!!

They claim they list credit cards that you're best matched with based on your credit profile. However, they throw in there credit cards that you're never going to get because they get paid to do so. I was just denied for a credit card 3 days prior that Experian had on my "best matched" list. They literally say it in my screen shot that they show you cards based on being paid by the card company. Credit Karma never did that to me. Experian did thia within the first week of me joining.

I have used Experian credit app for multiple years. I do rely on their app faithfully because I know they have my back. They extend timely notices when there a positive or negative shift to report. Experian is always ready to assist you with information on how to retrieve better credit with information, guidance and tips. I just purchased a car in September of 2025 and thankfully because of their financial guidance, I was able to get the car of my dreams. They are like a private financial counselor. Try them.

Experian has ZERO customer service (less than 1 star). Their automated "service" is severely lacking and not intuitive at all. In this day/age, this is a huge FAIL. I've sent a hard copy letter, emailed every Experian address I could find, and then emailed again. There is no way reach a live person that can understand the simple need to change a phone number on file. The system continually sends OTPs to a phone number I no longer have access to. I have money in my Experian checking account that I can't get access to, and they continue to charge me monthly for their credit monitoring membership. DO BETTER EXPERIAN. All I want from you now is to cancel service, get my money back, and never do business with you again.

I absolutely despise Experian. I have 97 point difference in credit score amounts from other two credit bureaus. I was in the process of a mortgage refinance. This terrible not accurate score has ruined my life. They can't get information right. They do NOT need to be in business. I seriously can see 5 to 10 point difference but when the second out of three is 97 point difference. TOTAL INCOMPETENCE.

I am being charged for services I didn't order. I have tried for months and haven't been able to cancel. I finally got a phone number and the computer gives you the run around and you still can't cancel

Experian just had to pay me back $144 as they continued to charge me for monthly service with my account said I had no service. I couldn't get anyone actually on the phone so I had no choice but to file a dispute with my credit card company and CANCEL my credit card JUST BECAUSE OF EXPERIAN!! The credit card company solved it and in less than 2 weeks I had reimbursed funds credited to my account. Awful having to go through that and claim fraud because they don't have a live service to contact. To think I had to cancel my credit card and spend the time changing over all my automatic payments to a new card because of EXPERIAN is beyond frustrating.

This place is terrible and they are the ones gatekeeping our credit scores. With the WORST customer service known to man.

Absolutely the worst customer service ever! Whoever decided to lean that hard into AI made a horrible mistake! AI is fine for simple things, but totally worthless for anything that is a little more complex. I will never use any of their services as if there’s ever a problem, there will be no way to get help.

Horrible customer service. So frustrated! Could not talk to a real person to correct my customer profile, which was old and had my old landline on it so I couldn’t get into my account and update information on my own. Said my info was in conflict (DOB and SS#) with their info which it wasn’t. Said I didn’t have a membership yet. I finally got through to a customer service representative to unfreeze my credit for a short term so obviously I do. Very frustrating. Transunion and Equifax were very quick and easy- 2 minutes tops.

I been trying to speak to a live person for days but no luck. I sign in but my number change and they have to text a code for my old number. I want to talk to live person coz I move to update my credit file. Now my file is blocked for few attempts logging in. I forgot my password but to create a new password they have to text the phone on thier file which it's been change. I'm requesting to unfreeze my credit file and update my new address. I'm paying $19.99 a month yesterday for Equifax, TransUnion and Experian to monitor my credit. Only experian no live person to talk to. I am not happy with experian at all. Is there any live person to assist me on my issues?I am very disappointed about experian. I want my file unfreeze and unblock. I need to talk to live person to help solve my issue. My new number **. They can text the code. Delete the none working number ** on your file. Email: **. M. **.

Experience by far the worst of the three credit bureaus. I was able to freeze and unfreeze with the other two with no problem. For some reason my Experian login does not work now, they don't recognize my phone number, which I've had for 28 years, and there is absolutely nobody who will answer on their phone to allow me to fix this.

On June 11th 2025, I tried signing into my account at Experian. I am trying to apply for a new credit card and they check Experian so I was trying to unfreeze my credit. However, when I tried signing into my account, the phone number they used to verify my account was not mine and the email they gave me to verify the account ended in @experian.com which is not my email either. In 2023, I had gotten a notification through my bank that someone had added their name and address to my social security number but at the time I thought I had resolved it. It seems that the fraudulent name, address, phone number, and email were added to my account at Experian. So I called Experian on June 11th but could not get through to a live agent to discuss what had happened. The phone menu hung up on me at least three times.

Horrible automated phone system and service. It took me more than 45 minutes to try and figure out how to speak to a live person and this was by chance because I still have no clue how I finally did get a human on the phone. I am calling about a membership charge that came up on my debit card which I did not authorize and the agent in the membership department said she had to transfer me to the dispute department. At first it made sense but when she transferred my call to the dispute department and the agent explained that they should have never transferred my call to the dispute department because they handle the disputes from consumers to creditors not accounts payable or receivable; and that the person I was speaking with was the one who was to assist in resolving my issue.

Experian can be a useful tool for monitoring your credit, especially if you stick to the free services that provide your FICO score and daily alerts. The educational content can also be helpful for those working to improve their credit. However, you should expect a high volume of advertisements for paid services and potential difficulties if you need to contact customer service for a dispute or cancellation.

I tried to put a freeze on my account. As soon as I got an individual on the she tried to sell me one of their products and I she immediately switched me to a computer. Their customer service is awful. I gave them 1 star, because it didn't go lower.

I had a name change in 2017. Bought my house in 2020 &had to beg customer service to find out how to update my name. They did nothing but tell me to do it online. I did it & got my house. Now I find out from my bank that Experian Still has not updated my name since 2017 & this is 2025. They should NEVER BE USED FOR CREDIT INFO. Since they OBVIOUSLY don't do anything for customers or update timely.

Experian should be audited by the Feds. Their practices and deceptions cause such enormous difficulties in peoples lives it should be illegal for them to be in operation. I speak from personal experience of 0 debt, everything paid on time historically, no collections, no write offs or bankruptcies but my credit rating with Experian constantly drops without a valid reason or explanation as to why and the "Fico model" has determined that's the way it should be. If some non-government 3rd party company has the ability to play god with your life, why do they not have to explain the matrix used to come up with this fake number of financial worthiness?

Do not sign up online for an account. You will not be able to delete your account ever. I have submitted a complaint with CFPB to complain about the sham process of a dispute which gave me no way to explain the details of what I was disputing. They returned the dispute within hours which is impossible. They provide no way to speak to an actual person. The toll number dumps your calls or makes you choose from only automated selections that you don't need. No, I don't need to freeze my credit and otherwise can't do anything? This is a scam company that only exists to farm your data and probably sell it to credit companies who can try to sell you on a credit card or bad loan. Again, never get online with them because they lock your data, which should be illegal.

I work for a healthcare billing company and in order to obtain access to Novitasphere I have to obtain verification of my identity. I’ve called 6 different times, and I have to say I think it’s a requirement to be rude. Because these customer service reps seriously hate their job, because they see the rudest people I have spoken to. I really hope Experian retrains the employees in customer service and basic decency.

Numbers are incorrect, I have checked on other web sites and my bankcards that offer your credit score. Experian is just a scam trying to get you to pay 29,99 a month or 39.99 a month and they try scare tactics, Just another greedy company out for a quick buck!! And you can never get a hold of them or contact them...

Experian credit report agency has fraud business involved and California Court has penalty penalty due to identity theft. Even the Experian has been recently involved identity theft my personal information and making score down 52 to 53 points as non transparency business relation create with some lender. It's loan for business and home and land buyer lender. Every 2/3 month use the debt collector and put collection. One of worst case TXU energy bill and the others utility bills. Totally a fraud activity and the fraud department not receive call. I've wait several days more than 3 to 4 hour. Supervisor and the live agent not received phone. If received and transfer my phone some point no one answer. Very poor customer service and poor transparency credit report. I would like consumer affairs to lawsuit and take a legal action agent Experian identity theft my personal information.

Experian is a con telling me I had to pay over hundred dollars to take off unwanted debt off my credit report that been on my credit report for several years. They never answer the phones, only number I got untouched with a 1888-888-8553. My name Patricia.

How is Experian still a thing? Ridiculous! Use your card too much but pay it off monthly you're dinged. Credit card company increases your credit limit without your approval you're dinged. If you lower your credit limit to protect yourself against theft you're dinged. I'll say it again... ridiculous!

Experian sells your personal credit and contact information to loan companies, who then solicit and market to you via spam calls. I had previously not been receiving any marketing calls to my personal cell number. I signed up with Experian to monitor my credit. Within 3 weeks to a month, I began getting multiple calls a day with loan solicitations. Do a search for this. It's easy to find.

They make it exceedingly hard to cancel membership and even after canceling they still send emails. Avoid these people unless you like tons of emails trying to upsell you every time and proving no value.

Years ago, I wrote to this company, even sent them as they ask for all documentation proof of finished pay total, has been more than 30 years and still they say I owe and with the company's own pay letter I pay won't erase their wrongdoing. I demanded my rights and the word sentence changes everything, everyone needs to use, they are scared to get out to public. I am trying not to publish because the head knows what they do wrong, I know too. So 3 days to see if they straight my report and set my record clean or else USA will now. They are strong together but the outside are more.

Horrible selling 3rd party not vetted services under the guise of a big name like Experian. They alert you for ways to improve your ratio or consolidate. Saying you're basically approved with ALL your information they have at hand. Then hard hit you and when you get contacted by the 3rd party, there was no way you were going to get approved. Now your score just got hit making it look worse for any other offer!! Hope Experian is making a bundle on kickbacks! Disgusting practice!

I created an online account with Experian a few years ago and haven’t logged in for a while. Noticed today I had a $26.54 charge from Experian. Logged into account and was signed up for a billed monthly subscription that I NEVER signed up for. I had recently got an auto loan so at first I thought maybe bank charged me for a credit check. However, was Experian creating income for themselves from people trying to build their credit? Interesting. 🤔 Also quick point, double checked my emails for enrollment confirmation and nothing. I cancelled and did get an email for cancellation. Through their website did not see a link/area to dispute their charges, only credit report disputes.

IMPOSSIBLE TO DEAL WITH IF YOU CAN'T RECEIVE TEXTS. Impossible to reach a human being. Impossible to deal with bad customer service. I removed my credit freeze from Equifax and TransUnion easily. Piece of cake. Went to Experian website to log in. I use a password manager (actually three, Google, Avira and LastPass) to remember bizarre strings. Experian said I had the wrong password. (Despite all three pw managers saying it was correct). So, I tried their alternate method. They said my phone number was incorrect on my account. I have had the same phone number for 25 years. I don't think so. Next, I tried their alternative method. It asks for a phone number and your SS number. Then it asks whether you want to be texted or phoned. I tried 'text'. It said it sent a text to my number.

By the time she told me no refund she was already trying to sell me something else. Free credit reports for everyone! Well two or of three. And only if she get the free 7 day subscription after which you'll be charged 25! Be wise if your looking for free stuff you can totally afford to be screwed out of $25. To some people like me.. single mom of a 9 yo girl that's a lot of money when you're in between jobs. But it's policy. Yeah to get the little guy for every penny possible!

I have a Experian Boost account which is supposed to increase my FICO score even though it is 788 and my FICO score for Transunion and Equifax is 835. In addition to that they keep losing the connection to my bank and creditors to update information. They cannot verify address even though they've had it on file for years? They always blame the credit reporting businesses as the problem.

I lost my phone, because I moved I wasn’t able to keep my old number. The phone had all of my passwords on it, unfortunately at Experian, the only way to reset my password it to have a text or call to my old number. For two weeks I have been trying by email and by phone to contact someone to help resolve this, no luck!!

Because of a data breach, I was given a free year of Experian Premium. When my free year was over, Experian switched to automatically charging me every month. They did not tell me I was never sent a bill. And when I realized this was happening, I could not get in touch with an actual person in customer service only automated answers.

Very unhelpful on the phone. Issue not resolved. Wish I could stop using them. There are addresses on my report that are no longer active and Experian would not remove them although the other bureaus did.

From start to finish it was the most horrible experience try to contact a live person directly and I never was able to. It's not right that this company can determine or have a say in receiving credit from a institution or credit card. Just for going on their site and following instructions my credit score went from excellent to good. It dropped several points because they offered a free service. Tried reaching them on a couple different phone number nothing worked. The ONLY reason I had to contact them was to find out why my VERIFIED phone number didn't come up on a credit check. My phone number was already in my Experian account. I simply hate how such inadequate companies control our financial life.

I have a perfect history of paying ALL my bills on time, and in full. EVERY time I pay off my credit card, each month, these clowns decrease my score. I cannot understand under any circumstance how paying all my bills on time, could in any world decrease my score. These credit reporting companies should be outlawed. I have called before. I was told to get a credit agent to help understand why. BS. They are the ones destroying my credit. They should be able to explain how paying off bills could possibly decrease my score. Yea, I'm pi*sed.

I am writing to formally express my horror at using Experian's Smart Money Digital Checking Account. I have encountered substantial issues with their account restrictions and customer service, which operates entirely offshore in the Philippines, resulting in financial detriment and inconvenience. On June 5, 2025, I received a payout of approximately $4,400 from my new employment through their relocation assistance program. I intended to transfer a portion of this sum to compensate the moving service I utilized via Cash App, a peer-to-peer payment service. I successfully initiated two transactions of $500 each; however, subsequent transactions of $1,000, $500, $1,500, and $400 were all declined.

Very difficult to update my phone number. Online login requires a verification code to your cell but it never gets sent. So there’s no updating passwords. I’m essentially locked out of my account and the customer service line says it can’t help me with the matter and cannot transfer me. This is a dangerous business they’re playing. I’m completely shocked, to be honest.

Absolutely terrible and useless to the customer. Slow updating information on your credit, terrible customer service, no phone support whatsoever, and yet they are playing with people's most important part of their life. Their credit report. Dismantle this useless outfit.

Horrible! Filed multiple disputes and supporting documents. I was removed as cosigner on 2 student loans but they won't correct records. NEVER had a late payment on anything but they keep lowering my FICO score.

Experian.com does not properly investigate. Sloan/Nelnet Servicing has placed incorrect information on my credit report. I called multiple times asking for help my credit went down drastically and they will not correct it by the fair credit report act laws. This business needs to be sued. I wonder if they have been sued before for negligence of credit reporting.

Of the 3 credit reporting companies, Experian is the only one showing 2 outstanding student loans on my report, which were paid in full years ago. I have submitted disputes on several occasions, and Experian does not seem to conduct any investigation. Of course, I am not willing to pay them for upgraded service, so my queries are not acted upon.

Updated on 05/23/2025: TIP: Call 1-800-493-1058 and say “dispute” to the AI, then “new dispute,” followed by “123456.” This will transfer you to a real person (as of 5/23/25). Even if you can't create an online account, the representative can help you “freeze” your credit over the phone using a PIN. They CANNOT actually assist in any other way, except to transfer you to “customer service,” which just puts you back into the endless AI loop. A small step forward, but very disappointing. :(

I tried to contact customer service. The button on the "contact us" page doesn't work (I tried multiple prompts and web browsers). The help chatbot directs me to use "contact us" page or to call. Automated answering service directs me to the "contact us" page and hangs up on me. I tried other prompts (including pressing zero and saying "representative" along with several others) and it says it will only connect me in certain situations. Couldn't find any information anywhere about what these certain situations are.

I'm not paying for a subscription nor will I ever after they have posted a number of incorrect reports about my credit. I'm not sure where they are receiving their information but I have completely false info about "decreases" due to abhorrent "increases" to a credit usage. I've confirmed this with my bank and my credit score is also incorrect on their site.

They charge me monthly $24.99 without me approving any charge or membership. The membership is free. They are unreachable, been trying to contact them but nobody answers. This is a scam from a “reputable” company.

My original dispute with Experian regarding a billing error from Verizon was denied, even though I submitted strong documentation. It felt like they accepted the creditor’s word without much review, and it was frustrating to see my credit score drop due to someone else’s mistake. However, after additional pressure and Verizon's admission of error, Experian did eventually remove the item and my score was fully restored. I’m glad they corrected it — but it would’ve meant more if the evidence had been taken seriously from the start.

Horrible. Unable to access my Experian account to check my fraud alert or check the freeze on my credit files. The site says it doesn't recognize my social, or telephone or DOB, even though I registered in September of 2024. Can't talk to anyone as there is just the robot call type return. They send me links that are broken and don't recognize me. They are supposed to be here to help us guard our privacy and you can't even talk to a live person or access your accounts.

I have had a paid Experian account for over a year. $39. They sent me their digital credit card. When I tried to add money to their card it was rejected and they suspended the account. Will not cancel

Horrible service! Credit scores are out of date unless you pay for a membership. Multiple errors when using the app to update banking account info. Experian credit score lower on their site than any of the others. They are so unorganized. It is scary that they have control of my credit score!

EXPERIAN has been double billing me for years on the same credit card account with an expired card, and refuses to answer my emails, acknowledge this fraudulent activity on their part, nor reimburse my money. They are supposed to protect customers, yet they are scamming me! Shame on them!

I was able to freeze my credit, place an initial fraud alert, and extended fraud alert with all of the other agencies online. With Experian, I was able to freeze my credit and place the initial fraud alert online (although they make it really hard to find the free way to do it).

ExperianIDWorks cancelled my subscription today via email with no prior notification of any kind. Telephone support was very unprofessional and couldn't to help at all. My credit is currently frozen via Experian, and I am unable to login and unfreeze my account and the phone rep cannot do anything other than have tech support "call me back". This is totally unreasonable and very poor practice for a company that has all my credit and personal information as well as a FREEZE on my credit!!!

They do not keep up with your current information. Score is always lower than it should be. When go to a bank or car dealership, they don’t even consider your Experian score. It’s a total joke. Waste of time. Useless.

I opened an account years ago to rebuild my credit. I also used the free Credit Karma app which is actually better. I stopped using Experian but open emails occasionally. I was told I opted for a free 7 day trial. This is not true and the date I allegedly did this was the same day I had surgery for breast cancer. It's something I can prove. I am angry and disappointed. Billionaires stealing from the working poor. Credit Karma is free and my score went from 535 to over 700. I don't need help from Experian. Plus, I am not even planning any future big purchases. It is a scam. Believe me. I am crushed. I lost my job and my granddaughter and I have almost no money in the bank and they are still making me dispute through my bank which costs more money that I don't have.

Experian’s customer service is unprofessional and ineffective. Representatives are poorly trained, often rude, and unhelpful. Attempts to resolve issues are met with frustration and lack of resolution. I cannot recommend their services.

It took a week to finally get a person on the phone and when I did they refused to help me and sent me back to the automated phone tree. I have been trying to unfreeze my credit with these clowns, I will never ever use them again.

Hello, please take the time to read this Review, This is the Most Crucial Review explains the Hidden Truth about Experian. Did you know when Experian claims No ding to your Credit is A Big Lie. At times you lose 1-2 credit. The Most Important it is registered in your credit history, that’s another important point where lenders look in to it. To make simple every single offer by Experian brings them money. When you check in to better Insurance rates, Experian get paid, when you apply for anything “WITH NO DINGS” Experian Gets Paid for.

DO NOT sign up for a membership with Experian. You will NOT be able to cancel it! My story: I "think" I ended up with a membership following a data breach wherein 1 year of free credit monitoring was offered. In the fine print, I must have agreed to switch to paid membership once the free year expired. I don't pay close attention to my bank statements but I did finally notice a recurring $24.99 monthly charge to Experian. Thus began a months-long process of trying to cancel the membership. (I would get frustrated, give up, come back and try again later, etc. etc.)

Yahoo email is locking people out. Their solution…"Buy our support service and that will get you back in". They’ve already received revenue from your account but now they demand a cover charge. And if you don’t pay up, you can’t have your property. Do we really need to have yet another Class Action lawsuit for fairness?

Tried calling 4 different numbers and could never get to a real person. My landline telephone was disconnected by me in favor of my cell phone but can’t have the contact number on my fraud alert corrected Just continues circling in the AI loop. TransUnion was able to help me the day I called. If I were you I would stay far, far, far away from Experian

I have been a member of Experian since August of 2021. I joined mainly to obtain the benefits of Experian Boost but have not been able to keep my accounts linked to Experian. Experian Boost has to "recognize" your bills as "real" bills to add them to Boost. In 3 plus years, I haven't had anything added to Boost. You can not add bills or identify bills for Experian to add to Boost. But the absolute worst part of Experian is that there is absolutely NO WAY to speak with a real person in customer support!! It is an absolute waste of money!!

My credit score went down 15pt 'cause I didn't have any mortgage information but I have no mortgage, I was not able to get a real person on the phone. My emails did not answer my questions Only thing that Experian wanted me to do was to sign up for membership.

I was just notified that Consumerinfocom (Experian) will be crediting back my credit card for the “cancelled” credit report service. I’m not sure what initiated the change of the initial decision, but I’ll take it as a win and appreciate Experian’s review and subsequently deciding to reimburse me for a service I did not want. I’ve upped my review rating by 2 stars holding back due to the aggravation, additional stress, and work this issue caused me. Thank you.

They charged me $24.99 a month for a membership that I did not know I signed up for or that I was paying. They never sent me an email or any invoices that I was paying this and took it directly out of my credit card. Then when you call them it is an automated system and you can't even speak to a real person. After trying 3 times jumping through different hoops I finally got a real person and they would not refund my charges. Such a scam stealing money from people.

Noticed I was being billed $24.99/month for Experian Services. I never signed up for this service. Experian said I may have signed up for a free trail in Aug 2024, so I checked all my emails (thanks to gmail). There is no notice from Experian indicating I was subscribed and being charged. I did find alot (67 emails) of Experian ads flooding my inbox.

I’m having 21.99 taken out of my account and I’m trying to find out why. An AI told me I have the free service, so very curious as to why you’re deducting 21.99 no possible way to speak with someone. I’ll have to put a stop on the bank side.

They have very deceptive marketing practices for a free account, which then goes and bills you for a premium account. I would not recommend this service to anybody. It is a shame that an institution like this has these kind of practices.

I have/had the smart money checking account and I am extremely disappointed in it. Apparently they decide what bills they will let you pay with their account (because your money is theirs in their account I guess). I had a bill scheduled to be paid with said account. Well Experian didn’t pay the bill. I had scheduled to be paid to AVANT a company that THEY referred me to for a loan with money from what I thought was my account that I earned from work at my job. This was MY money. When I called to ask what the issue was they just said, "Oh sorry Avant is blocked, you can’t pay that with this account," and my payment was returned. I ended up getting a charge for returned payment fee. I will be closing this account ASAP. The card works when it wants to and the account updates whenever it feels like it. It’s garbage and worth less than 1 star. You never know if it’s going to work or be denied. Trash

This is a train wreck of an organization!!! Inaccurate and unhelpful. Good luck trying to have them fix any mistakes they make!!!! No operators and no replies. Received no help in trying to remove fraud.

Had a Data Breach and Now they're charging me to keep my info safe. I could not join a Data Breach Lawsuit because I could not find one going on. But Now I'm having to pay them to keep my info safe. What is that?? Isn't that what They're suppose to do anyway. I pay monthly. 🤬

Experian seems to employ Zero live customer service representatives and is just another self help company making money off of people helping themselves. They have multiple phone numbers and all are automated. The only chance you have to speak with someone is cancel your membership and they will ask why...

Despite having confirmed my initial account set up a password, I cannot login nor reach someone on the phone (line disconnects). This company should be investigated for fraud. Their service has no value.

Hacker took over my account and I can't even get them to answer the phone. Worst company ever. Have tried multiple times, sent letters, complaints to CFPB and literally just nothing. There is something very wrong with the company at the core.

Experian is a gaming platform, fully intent on customers actually 'borrowing' or carrying balances on their credit cards and having high levels of other debt. FICO.... Fundamentally Inaccurate Credit Opinions. I have no debt... Paid off 2 houses, multiple autos, children's college debt & pay 2 credit cards twice a month, 0 balances, and my 'credit' score, decreased... Explain that. Not that I need a loan, but I will be buying a new car in the next 12-18 months when GMC will drop their interest rates to subsidize sales and I will be pissed if I can't take advantage of their offers. Experian is impossible to deal with.... Pathetic to no customer service. Look at the cumulative score summary of Consumer Affairs here.... 95% 1 (lowest). How this company operates is dismal and should be in line for a Congressional Investigation.

Been trying for several days to get into my Experian account. Since I've used it last. I have a new email address and phone number so I'm locked out. No customer service but some automated machine. Absolutely useless. I've sent several emails to support. Absolutely useless.

Can't log in, keep getting "an unexpected error occurred" and have to start over again then it gives me a toll free # with a recorded msg that doesn't give any info on how to resolve the issue or connect me to someone who can. Can't get a human on the phone and can't log in.

You get alerts, so you try to check on them. Sign-in doesn't work. The sign-in process doesn't work when resetting password.. It's impossible to talk to a human being. Almost seems like a scam, which, obviously is ironic.

My account and secure information was hacked. My recovery email and phone number was changed. I never got notified of these changes. I found out after attempting to log into my account. I reported this to Experian and sent the documents to verify my identity. The issue is still not resolved. When I attempt to recover the account the information is sent to the other email. It amazes me that the hacker still has access to my account and private information. Experian promotes their company by stating they protect and keep your information safe. I have read multiple reviews and see that this has happened to multiple people. I had to hire an attorney to resolve this issue. Do not trust Experian!!!

Greetings to all... I 100% agree with Reuters (the US consumer watchdog) and I too wish I could sue Experian over my inaccurate consumer credit report and here is why: After the two other credit bureaus corrected wrong credit information on their reports; I recently told Experian about the same inaccurate information. What are mistake...! Now, as a result of my disputing this inaccuracy, not only did Experian do NOTHING to correct it, but Experian now lists this account as: A.) being "open" B.) in "collections", and C.) "unpaid" for seven months..! Yet, in reality, it has been closed over six years. This caused my credit score to drop 13 points. (Ugh..!) Furrhermore... Why is Experian (who is supposed to be a credit bureau) sending me loan and credit card offers...? Since when does a "legit" credit bureau do this...? I definitely would leave a NEGATIVE five rating, if only I could. Beware...!

Breached my info. Applied for loans when I never did this. Breached my info to new creditors. Sent my INQUIRY to all loan offers when I never applied for any loans. No one to speak with, just bots. Please let's figure out to terminate Experian as a credit filer.

They charged me 24.99 for my three bureau credit report and did not disclose that I was signing up for a membership trial for 7 days and would be charged. Then when I called to cancel the membership they would not refund the money. They are as bad as the creditors. I will be filing with the FTC as well. As if I didn't have enough financial problems I have to deal with this.

Experian = EXTORTION. My experience: March 13, 2024 someone hacked my Credit Karma account and began applying for loans and credit cards at dozens of companies. One creditor called me and alerted me to this so a quick internet search of what to do in this situation said to place a ‘freeze’ on my credit and directed me to call Experian.

I would give NO stars if possible.... Experian automated system is really a "brick-wall"....That does not know how to resolve any but the most scripted functions; and "absolutely will not let you talk to a human".... Also, tried to open an account to monitor my credit with experian; and "you only can use a cellphone" to create an account. I tried and the "link page refused to open" and could not continue to create an account.... Why on earth is this company allowed to operate??? Do not use Experian unless you absolutely have to.... They are horrible....

I recently had a deeply disappointing experience with Experian, one of the three major credit reporting agencies. From the outset, it was clear that their customer service and dispute resolution processes are sorely lacking. First and foremost, the response time for disputes is unbelievably slow. While I expected some delay, I was shocked to find that my disputes took significantly longer to address than those submitted to the other two agencies. Information sat on my credit report for months, stagnating while I anxiously awaited an investigation. This was particularly frustrating because I was trying to resolve inaccuracies that were impacting my credit score and overall financial health.

Tried to open a free account in order to place a credit report freeze. Got into the useless web site > useless automated phone bot loop. Took all the info, pretended that it is now working, "could not conform your identity", call phone number.... This outfit should be taken down.

While Experian is one of the big three reporting agencies, you should pray you don’t experience the issues I’m having. I simply do not have access to my old phone, so I tried for 5 months to call and update my number. The automated system is nothing more than a loop designed to give useless info and “help” by driving you right back to the website…which is absolutely no help. When I finally got a human on the line he asked for a bunch of personal info and that it would 48-72 hours before my access is restored. It has been 9 days and I still don’t have access. I pray I haven’t been scammed. I don’t know where to go from here.

Tricked me to get a membership. I wasn’t aware they charged me for 7 months. I called to no avail, they refused to refund my money… STAY AWAY.. I called and was transferred to a Kristina and she was horrible, she said I needed to call my bank 21 times, I told her all 21 times that had already happened, she kept repeating the same answer, I asked her to escalate this issue and she said ‘There is nothing we can do. We have our policies’…. She was an account supervisor.. I asked her to explain the policies and she said that nothing else could be done… I explained that I never used this membership as I didn’t know I had one and she still refused to refund my money. And refused to try to help me …. I can’t believe this company. Shady shady shady…. Stay away!! They have a ‘free credit report’. Only it isn’t free, after 7 days they turn this ‘free report’ into a membership.!!!

Horrible, should not be allowed to operate. The website has no support. The boost feature worked but good luck trying to update the info that would really help. The site has many bugs. I used iPhone 16 and laptop and could not verify a text or any other confirmation. My biggest mistake was trusting the name and not reading the reviews. Next plan of action calling my bank and reporting them and getting refund from a company that is service oriented.

I tried to access my account but apparently I was not using the correct login info. I tried calling to get assistance but could never get past the automated response system. I verified all the info and all it would tell me was that I could continue by them sending me information in the mail or I could visit the website. The website was absolutely worthless in remedying the problem. I saw no point in having them mail me something when they don't even have my correct information. All I wanted to do was put a credit freeze on my account and see my credit report. Transunion and Equifax thankfully have a live person you can talk to. What a worthless credit agency.

With the premium paid account, I used Experian Boost to improve my credit score, and it did so significantly and instantly. With the Lower Your Bills option, Experian negotiated with several companies on my behalf to lower my monthly bills for the same services, and it worked! I would highly recommend this product, along with receiving many other benefits like a daily score tracker.

This company has the shoddiest customer service I have ever experienced. The phone tree is abysmal and the voice keeps saying she can't help me and to go to the website. Apparently, humans are obsolete.

The only reason to give this company one star is because you can't give zero. Such disdain for their customers; you can't get a live person on the phone no matter what you try. Sometimes you need a live person. If you do not intend to provide one, don't provide a phone number at all. People's finances are very important to them. The lack of basic customer service tells us what this company thinks of "the great unwashed" -- the ones who aren't in the C-Suite at Experian.

They merged someone else’s social security number and identity with mine. I have spent the past year and a half and 3 disputes to remedy it and I cannot get it fixed. Their employees have hung up on me and it is impossible to get anywhere with them. There is no urgency on their behalf to solve this problem even though it is literally negatively affecting my life - it delayed my HELOC application, a refund check I was supposed to receive, and God knows what else if this person doesn’t keep up with their payments. It has been truly awful.

At first using Experian was great and really helped. They constantly send credit card matches saying it won’t hurt credit but it did!!! Told me to get more cards to increase credit but destroyed my credit.

My credit info has been frozen with all three data brokers (let's be real) for over 5 years. Experian wants me to pay for a membership to keep an eye on an 835 credit score? Maybe they know how badly they might screw up, or have some insight on the the other two? The whole thing is a racket now that they want money from individuals rather than from loan brokers.

Would give it a lower review if possible. Terrible platform full of scammy designs throughout its interface meant to “trick” you into purchasing their membership. I learned you can get a free credit report from the 3 major credit bureaus (TransU, Equifax, and Experian — TransU was most convenient) and went to check them on all 3 sites. Yet weeks later, after I didn’t sign up and didn’t receive a single email informing me otherwise, I was charged $27 for a membership I did NOT subscribe to. I had to then dig around on the site to cancel it, and there’s no place to remove the card information that I never ever put in because, had I needed to, I would have entirely avoided checking Experian in the first place. I hate platforms that try and make their money through shady routes. Avoid this company if you ever have the chance. A google search in literally any other direction will do you better.

11/30/2024 Experian says the only 3 phone numbers I have are incorrect, my sign-in is incorrect and my password is incorrect, and even though it is within the posted business hours NOBODY will answer the phone except a computer that tells me to go to the same website that tells me all my info is wrong! My single-digit address number seemed to confuse them. This company is relied on for correct credit reporting??? GOD help us. The worst "customer service" I have ever encountered and I am 75! My Fico score is over 830 and I can't fix this. Maybe it is because it is Thanksgiving weekend. Ridiculous.

I am not able to get any help from the Experian Credit Monitoring company. I want to temporarily unfreeze my credit report so I can obtain a credit card. I am not able to login to their website - it says my user id or password is invalid. Their website states I can have a text or phone call with a code sent to me. I tried by phone and did not get a call. I got a text with a link to another website. When I go to that website, it asks for my personal information. When I enter what they requested, it says my information is invalid. I called the Experian help number 1-888-397-3742. I get a recording which is absolutely no help - you are directed to another website that also says my information is invalid. I sent a certified letter 3 weeks ago to: Experian Customer Care, PO Box 9554, Allen TX 75013, explaining the problems. Experian has not responded. Has anyone else ran into these problems? Has anyone found a way to get around these problems?

I called in to speak with a live person about a potential credit dispute. The automated system only allowed 3 options which none of them were to assist me, and it automatically hung up on me. This is the worst kind of customer service I have ever had. The other 2 credit centers, I was able to speak with a live person and have all my questions answer and reassured that my credit report/SS# had not been tampered with. This Experian I am left wondering if someone was able to access my information and opened accounts in my name w/o my authorization because I was not able to speak to a live person to ask questions.

I would give zero Stars if possible. Anything they recommend for people that are trying to rebuild their credit is of an interest rate that years ago would have been called usury. They're more interested in trying to sell you stuff they're trying to work out any kind of solutions not that they're designed to do that but out of principle. This makes it very hard to recover in a world where no one wants to give you a second chance. I finally told him I didn't want to hear from them again and I wasn't kidding. I would tell anyone and I do mean anyone to stay clear of this company it really has no business calling itself a credit reporting agency they set you up for failure. I've never sent them a dime and I still think they owe me money that's how bad they screwed me. If you're trying to restore your credit the last thing you want is anything from this company where the interest is touching between 30 and 35%. It's impossible to recover from those numbers.

I am extremely disappointed with Experian and this Credit tool. It was extremely easy to set up the account. However, for the past 2 1/2 months have dialed their number and have yet to speak to any representative. I have only reached automated voice prompts, and they are limited as to which concerns they can deal with. I would suspect that if automated voices are limited as to what issues they tend to, then they would surely set up the system where we can speak with a live representative. This in my opinion is atrocious. I would be embarrassed to work for experience if I knew that customers were being handled in this manner. It’s as if you don’t want to make direct contact with the customers who give your business success.

Absolute joke this company is. I had a big fraud and identity theft situation occur and when I finally connected to a person which was almost impossible they hung up. I called 12 times and the fake operator kept hanging up on me because they couldn’t understand my request. Absolute worst help I have ever dealt with period. If you want to talk to someone you would have a better chance jumping into a volcano. There isn’t any ways of actually getting help. They are pretty much a scammer. Pay all this money for what? They should be shut down.! I’m serious. It’s a joke this company.

If I could rate zero stars I would. Absolutely the worst. Unable to reach a human being on the phone. I 2 part Authentication but the phone number file is no longer valid. My biometric is, however I can't get into my account without a code, but I can't get that code to get in and update my phone number to my current one. I have tried everything to talk to a human. Impossible. So now I am locked out of my account. Which means I can't make changes, cancel, nothing.

This company is so uncooperative. They have not updated my account since March of 2023. No other company can see my credit report. The information that they have has not been corrected since March of last year.

I had a mediocre score for a long even though I could buy car, eventually I found that there was an error on my credit with Experian. I brought it up to their attention only to have them drag their feet contending that I buy their service. Unlike Transunion and Equifax there is no reason to buy. It's your credit score. Then my student had been paid off. The loan servicer had sent a pay off notice but never removed that loan that was paid off then most of my creditors did not show regular credit card payments and the car loans I had and paid off. Experian did nothing to fix that until I figured it out I was not to pay for what they needed to do as credit reporter... Shut them down.

First of all, resolution: Call their US corporate office at 714-830-7000. Demand to talk to a person. This is the only way I was able to resolve my request to remove a credit freeze. I agree that Experian is total trash. They should have a negative review. Their phone numbers don’t work. You can’t talk to a person. Even when I had identity concerns with my login not working, I couldn’t talk to anybody. Equifax and TransUnion were simple and fast. Experian’s complete lack of customer service directed me to write them a letter. Yes, a physical, snail mail letter. Absolutely horrible experience that we as consumers have no way around. They need to do better.

In my humble opinion I don't think the credit agencies like the big three takes too long to update credit reports and they are not avid about answering the phones and they are not avid about calling you back to discuss anything.

Website sucks. I haven't been able to add accounts, or link accounts for over a month. No customer support. I sent numerous emails and made calls all to no avail. Terrible! I will be canceling for sure.

I have had identity theft and unfortunately have no choice but to subscribe to all 3 credit agencies and lock my credit. I also monitor my FICO pretty regularly since my ID theft trying to get it back to where it was. I noticed a recent drop, but haven't done anything to cause that drop. I tried to email an Experian representative to identify what of my own information might have caused that drop as I was unable to find anything after digging on their website for 30 minutes. After several emails back and forth where I mostly got form letters, I finally decided to call. Their robot is horrid, they try really hard to hang up on you but if you are determined it will just make you really angry. By the time you do manage to get hold of someone and then to identify yourself you need to give your first born child your right arm and your left leg.

I changed from an individual account to a family account, and I have been trying to add my husband to the family plan for a month now. We have had numerous calls with different options on how to solve it without success. Their system defaults back to the old inactivated account and then charges him a membership fee. We are stuck in a never ending loop, so I am going to change it back to an individual account. Is this Experian's way to get more membership money by not allowing people to add family members to a plan? There is no phone number for technical support and the membership team is useless.

Experian is No Good. I received an alert from another company I use for credit monitoring. The alert stated that my ss# may have been breach and one of the suggestions was a credit freeze. Okay. So first up Experian. Now mind you it has been years since I created my account. Phone numbers and emails do and have changed. So how can Experian send me a text, call me, or email me when those identifiers no longer exist. I will take some responsibility that I should have updated that information when those identifiers changed but I forgot. However Experian should allow you to create a new account. As I said cell numbers & emails, do change and in my case have changed. So as of right now I am unable to freeze my credit file.

I am upset with this credit agency. There is a report on my credit report and another name than my real name and they keep this fake account on my credit report. Last time I was on phone with them and ask them to make sure everything on my account are accurate because no one can't force me to give me different name. They refused to delete this fake account.

This review is for their digital smart money account and also Experian itself, I had there account for 1 year I ended up moving and tried to update the address on the account but they could not do it. All they did was transfer me non stop and each person did the same, After 3 days or trying I just gave up since I only use it for subs like netflix and amazon, Now 3 months later I lost my number in an crap port so ended up with an new one, You need your number to log in so after 2 days I get someone who says I need to send them an copy of my ID and and bank or unity bill. At this point I told them what that can do, I closed my account, My real bank dose not require this type of info just to update an phone number and yet this fake prepaid account does, Don't waste your time with them.

I've been using Experian Boost, a free service, for a couple of years now and have been moderately pleased with the results. I received a notice from them recently that I need to reconnect my bank account to the service. When I went to do so, it wouldn't accept my bank username and password. The next day, it no longer recognized my bank name. I researched this a little, and those who were having similar problems were only able to resolve them by signing up for a $24.99/month paid service. I'm not paying for that. Experian is a buncha crooks.

Horrendous company. Their website doesn't work and it's literally impossible to get someone on the phone. Each channel just directs you to the other for support. These guys should be investigated by the FTC.

My info was stolen. AT&T provided Experian's IdentityWorks. This account NEVER worked. I talked to over 20 people, did a lot of run-around according to their requests, and got no results. I can't even get a regular current credit report from my online account. Experian did NOT respond to my complaint with the Better Business Bureau so it was closed as 'unresolved'. I recommend that no one use Experian. They are frustrating to work with and only want to get you off the phone. The BBB recommended filing a complaint with the MO Attorney General and/or to hire a lawyer.

I opened a Digital Money Account with Experian in 2023. I thought since they were a credit reporting company that I would have no problems. I was so wrong. They took my direct deposit easily. That is when my problems started. Even after I gave them a change of address and requested a physical debit card, they continually sent my information to the wrong address. I had to keep calling them just to be transferred from one department to another. There was no cooperation between departments. No one spoke clear English and did not seem to know much of anything.

No matter what's going on in a customer's life, Experian with their credit scoring, can hurt & harm good people. I strongly believe Experian should be shut down with apologies to all those whom they have hurt.

It is impossible to get a real person on the phone. Trying to get through to customer service is kafkaesque. Clearly the policy setters at Experian care nothing about their members. I feel sorry for the poor representatives. By the time a caller gets through to a human on the other end of the line they all already enraged by spending multiple hours and days trying hundreds of different phone numbers that Experian posts online and lies about there being a person for you talk to at the other end.

Experian Boost does not work! I've updated my bank accounts and credit card information, and it still doesn't work. I tried to add a bank account, and my bank is not listed. I tried to speak to a live agent and the automated system kept sending me on a wild goose chase. I'm canceling my subscription.

Experian offers no genuine customer service care, therefore, I give them a credit rating of zero! I followed all of their instructions and they were still technical issues denying me access. Just rotten!!

False Reporting! Say mortgage too high. I don't own a home. Said I've lived somewhere I never lived. Said loans are too high. Hardly have loans. State problems with Debt/Ratio. No problems at all. My Experian Score-696, Equifax Score-756. Obviously serious problem with Experian Reporting.

I opened an Experian Digital Checking Account. IT WAS A NIGHTMARE!! DO NOT DO IT! Things were fine at first. Then while trying to make an online purchase "something" triggered an automated security measure that locked my account. I called and explained that it was ME trying to use MY money. I was told to wait 24 hours. Ok, kinda stinks because it's back to school and Prime Day so trying to take advantage of sales and make my hard earned dollars stretch. Well... here we are 28 hours later and my account is STILL locked and apparently will be for at least another 24 hours. We'll see. I'm pulling my money out of here as fast as I possibly can and I warn others to run as far away as possible!

I wish I would’ve research this before wasting my time. Literally would not allow me to do the experience boost. Tried 20 times so I said it’s OK I’ll call, I’ll call and it will be fine. Could not get ahold of a single person to the point where I literally said to the machine, if I don’t get ahold of a person, I will literally cancel because you are zero help, customer service is 00 out of zero. I will put a review on everything. Horrible. Do not sign up for free membership. Not worth it. There’s tons of sites that do the same thing. Don’t waste your money.

The fact is that the organization hates working with trans and non-binary customers. Their name change support is functionally non-existent, and even a brief time spent with Google will show that their support is purely fictional. If you change your name you may never qualify for a loan again depending on your personal experience with Experian. They won't process the paperwork! They do not have structures in place to help. Maybe you'll have a split credit file. Maybe it'll simply be incomplete. Maybe the new name will exist but your old credit will disappear. It's really impossible to know what will happen to you. The only thing you can know is that Experian won't help.

They bump up my score one day 21 points and then 4 days later decrease it 25 points with no changes. In the meantime my other credit B has me at a consistent score. Experian is a total waste and scam. Then they want my personal checking info to boost my credit.. A scam organization.

They are a boiler room operation of high pressure sales and predatory tactics. To any creditors or lenders using this service, you are being mislead. They do not provide accurate information, and have poor security and dangerous policies. When I reported an issue, one of their customer service reps actually asked me to send him a photo copy of my ID in the mail. Unbelievable. Talk about identity theft. I reported to Experian and they did nothing. Another time one of my credit cards offered a special rate for purchases during a certain time frame, so I only used it one time and made a $160 purchase. What did Experian do? They dropped FICO by 27. It wasn't even enough to affect my credit usage % it was such a low purchase. Yet, when I paid off the $554 balance of that card, my FICO didn't budge by even 1 point. However, if you PAY and BUY their service you FICO will go up!!

An old job I had got it's data leaked, so they "provided" us with an Experian account to protect our data. It's been 3 weeks and I have yet to be allowed to enter my account. Every time I call I'm told that I've tried "too many times to log in" so I need to wait 72 hours. I try to log in a SINGLE time and that's apparently too many, so I wait 72 hours and don't even try to log in. Their response? "You've tried too many times to log in"... They refuse to let me talk to anyone above them in the company, so I'm stuck calling remote workers who have barely audible microphones with babies crying in the background. Someone just tried to get access to my Paypal account today, and I've received no assistance.

I have paid monthiy since Jan 2023. I noticed activity and found out someone had changed my Experian account information preventing me from accessing my own account. The email address and cell number was changed so I could not even reset the password. Customer Service was zero help and said I have to provide information in writing. I think it is a sad commentary when the very firm i paid to protect me, cannot protect itself. They now ask me to send all evidence to them (my SSN, DL, Utility, etc.) to provide proof that I have lived in the same address for over 20 years and am who I say I am, however they allow a thief access online to change data. What a terrible service provider.

A bunch of thieves. Offered a free service and then they took money out of my bank account without asking. Making it impossible to get it back. Now they are trying to charge me again. You have to wait over an hour to speak to customer service.

Of the 3 reporting agencies, Experian is sometimes up to 50 points lower. My score has more volatility than Bitcoin, and the site never explains why. First they get my information leaked onto the dark web, and then they want me to pay them for monitoring? They can’t even report accurately. After trying different numbers I was finally able to connect with a rep in the Philippines who had no interest in listening. When I asked for a supervisor she hung up. I can’t believe an organization run so poorly has so much power.

After a credit breach the monitoring was offered as compensation. Took all the time required and they fail because someone else breached their system. Worthless and simple. Carries no value. An investigation into why the business continues to operate shouldn’t be out of question.

I was given a free membership to Experian IdentityWorks due to the AT&T data breach. It is worthless. I got 8 emails in the last two days regarding my phone number being found on the dark web. All 8 emails refer to the same issue. So, I'm a little concerned. Part of the report gives option to contact customer care, however, the phone number that they give you 877-890-9332 only goes to their enrollment team, which I had to wait for 20 minutes to find out. So it was 100% no help. That person gave me 888-397-3742 which is an automated system that WILL NOT transfer you to a human being. So what is the point of this service? What a waste

I tried Experian free trial to look at my credit score. Then cancelled subscription immediately. This is the third month they have tried to take money out of my account. This is the third time I tried to cancel membership. I try and contact them and their automated phone service refuses to let someone talk to a human. They make it next to impossible to cancel and I still haven’t figured out how to stop them from trying to take my money. I tried to change to free membership to stop this and they still try and charge me. It is so bad that I refuse to add anymore money in that account till this stops. I guess the only route is to change my bank card. It is a shame. Do not use this company. Fair warning.

Experian will deceptively sign you up for its "Premium Membership" when you try to view your credit report (which is a free, legally-required service), by prompting you to add your card before you are able to view the report. There is no obvious option to decline adding your card and they claim you'll be charged $0.00 by providing them a card they have on file. So after some hesitation, you decide to get on with it, which grants you access to your credit report on the next page. However what you may have missed was that Experian had cleverly signed you up to the "Premium Membership" plan by signing up for a 7-day free trial, which is how they were able to get away with showing the $0.00 charge amount earlier on.

Terrible. I used to like them. When they were accurate. Now, I’ve disputed a credit card that isn’t giving me credit accuracy, credit in general, and even changed the category to other despite the card still being active etc. I’ve disputed it numerous times and nothing changes. I don’t know why they have a before and after when nothing's changed. I even uploaded my Equifax report to show them and they didn’t even look at it apparently. It’s affected my score by almost 30 points. Equifax and Transunion both have more accurate scores and nothing for me to even dispute. I tried using the boost on Experian just to see if it’d work and it changed nothing. In the past, all this worked for me. I’m not sure what’s happened.

Tried to put a freeze on my credit report first online when I hit the submit button, it froze. Call the number to talk to a person and their AI won't connect me. Poor service for someone looking for help.

Do you really want to pay this or other credit agency when the rules, in my view, are in agreement with the banks? Be good, avoid to use credit cards and pay on times.

ZERO real person support. Terrible AI phone system helps with basic things, then tells you to visit the website for help, IN WHICH THE WEBSITE LEADS YOU TO CALL THE NUMBER!! I just need my number on file changed so I can access my Experian account but there is literally NO HELP!! My personal info is literally in their possession, yet they offer no assistance in retrieving this info. This should be ILLEGAL.

Experian have classified my vehicle as a category N. They refuse to alter the mistake. DVLA, the Insurance company's which which the car has been insured with, the Dealer who deals with the car, know not from where the idiots in Experian get their information. No, I do not use Experian for a credit rating, I am not stupid. They, Experian, referred me to South Africa who deal with credit report errors. No, I certainly doubt if there is an intelligent person within the Experian idiots.

Horrible company - It appears that this place has no human working there. They only have the automatic machine and the stupid machine can't help me with my issues. They incorrectly matched my social security to my husband and I have been sending them letters with my Driver License and my bank account with my name on it but still. They can't seem to correct it. There is no human working at that place. Horrible company.

Delinquent, CORRUPT! IRRESPONSIBLE!! Is my rating to this company. They work in conjunction with their banks, collection companies and financial institutions partners who they sell OUR information which is their real business. Is in their best interest to keep everyone with low scores in order to charge everyone higher interests rates for their clients. CONGRESS should intervene and control these type of institutions since all government agencies are apparently powerless to represent us.

They will treat you like a criminal and sending you emails saying it’s a crime to file a false dispute on a fraudulent item and won’t remove the fraudulent account off your credit report. Experian is the worst credit bureau and won’t honor your request.

Crazy that a company which is supposed to handle your credit score is allowed to run such bait on their website to make money. Trying to charge for a credit lock and it takes forever to find the freeze option.

Seriously horrible service. Cannot get a human on the phone. Was able to contact via Facebook, but, no help, just told a "a ticket was created". No further contact. And these people have my credit information.

I have a free account because of a security breach with AAA. I’m on vacation out of the country, and I received an email notice today that my address had been changed - which I did not do. I tried to log on to my account, but the only way to verify was via text or a phone call. The problem is the registered phone number is my home phone - so I could not verify my account to log in. I tried calling customer service and got the robot. My problem didn’t fit into one of the prescribed categories. I called various times with different answers, trying to reach a live person, but couldn’t get anyone. So now I have to wait until I get back home to address the problem. By then, who knows what’s happening with my identity. What good is Experian if you can’t reach anyone when you have a problem? If I could give zero stars, I would. At least I didn’t have to pay for this.

I went to buy a car so I can get my son to his medical. They charged me $10,000 for a car. The car did not make it 30 miles. Westmark credit Union was aware of the situation. Immediately they refuse to help me talk to the auto sales place to undo the loan. Told me I had to keep the car. I dropped the car back off at the car lot in less than 30 days. I called The car lot. Told him where it was and these people told me that I had to pay this and then I had to keep the car and if I didn't they were going to destroy my life and experience is helping them destroy my life. No matter how many times I've disputed to inaccurate information they come back and tell me it's verified information.

This site is staffed by a BOT and it is the keeper of the gate and will not let anyone through. I need help with my account info to log in and there is no one to speak to and as many times as I activate the button to send a CODE to my phone number, a code does not get sent so I am unable to get into my account. It is frustrating to not be able to speak to a person to solve this problem.

Awful customer service for help. Ignorant phone robot either understands nothing or gets it wrong. Hire real people. Cannot get into account. Security code is being sent to an email address that no longer exists. Stupid not to have an alternate way. I've had it with Experian.

I called Experian this morning to inquire about a dispute. The representative asked me my account information for verification. Instead of him verifying and repeating the exact spelling of my address information. He changed my address to something different. Common sense should've told him that the address was already correct in the system. He changed it up a little bit. Why would I move to a similar address? That should've been an indication to double check and repeat every letter and word back to me. I had no idea he was changing my address. He should've told me. Not just assumed and changed my address. He messed my address up.

This has to be the worst company that handles our credit services, it is impossible to reset your password. Experian should be shut down or force by our government to have some kind of in person support.

I have been to trying to talk to agent and it does not allow, elderly needs help and they suck. If review stars had negative I would rate the highest negative stars available. They are the worse!!!! Not even a chat button.

Unfortunately, my recent encounter with Experian's dark web monitoring and credit reporting services has left me deeply dissatisfied and concerned. Upon signing up for the trial for dark web monitoring, I expected a reliable and secure service to keep my personal information safe. However, instead of peace of mind, I found myself in a nightmare of compromised personal information and fraudulent accounts. To my shock and dismay, Experian reported multiple Affirm accounts and an auto loan that have absolutely no connection to me. These accounts appeared out of nowhere, causing significant distress and confusion. Despite my repeated attempts to address the issue, Experian's response was utterly unsatisfactory.

I used Boost to boost my credit report. I have a company helping me negotiate some lower balances which they did. I've have asked them several times each to go in and say this was the balance, we negotiated a new balance of this amount and it has been paid. This tells people that I'm trying to increase my credit ratings and creditors were paid. They make it look like I'm not doing anything to help my credit report, or my creditors. There are 6 of these individual companies that have not done that to my credit report to help me out. They shouldn't have agreed to the negotiated new balance if they didn't like it.

You cannot get in touch with a live person, and the computer voice only give you two choices which are computer responses. "I need to talk to a live human being, because I have a situation that requires a human being. The "Two choices" do not pertain to my situation. Give me a human being!!!

My direct deposit should have been released today. Experian REFUSED to release before pending weekend and New Year's holiday as should have been. Promise of 2 days early is false advertising and should be considered fraud.

I needed to update a piece of my login profile contact details. Not my credit bureau - just the website, login profile for 2FA purposes. After a month of trying repeatedly, it gives an error and won’t let me make the update. The request goes through, and I get the email to verify with the code, but when you enter/confirm the change with the code, it says “we can’t update this right now”. In short - you can’t update your login profile. So I tried to call and only got the automated system, with no way to reach a human. This went on for 2 months. If you email them using the contact form on the website, no one replies.

This morning I opened an email from Experian and to my amazement my credit score with them had dropped 18 points since their last report. I checked Equifax and Transunion and lo and behold my Credit Score with them remained steady at 48 points higher than that on Experian. What the hell is going on with this outfit? This has been the norm for me with this credit reporting agency for over a decade. Trying to get to a human being to get an explanation from them is impossible. I've tried it before to no avail. Anyone else have this issue with them? I'm thinking of talking to lawyer about a class action. I can't believe this is only happening to me.

Experian don’t work for us. They work for credit company. When my score goes up is 1 or 3 point but when they drop your score they go by 10 or 20 point when you paying down your bills. That mean that they work for credit company not for us.

I have been working really hard to repair my credit. But I see these agencies are paid, to keep you down. I have reporting for years, that the student loans did not belong to me. I reported the company to the BBB. The report came back that the loans were purchase for over $27,000 and most importantly, they do not belong to me. Experian refuses to repair it even though by 15 USC 1681-1692, everything reported must be accurate and they are not allowed to report anything negatively without permission. They are refusing to do what's right even with proof!

All of the credit bureaus Re pure fraud! I have had zero late pays, a great credit mix, perfect credit for over 6 years and I sit in the mid 600's. The current credit agencies are fraudulently reporting according to the CFPB guidelines! You ** are fraudulent period! Pigeonholing individuals into categories of your own choosing! Sick of the damn **! Scammers, all of you. Experian, TransUnion, Equifax all falsely reporting correct credit standings for every consumer!

I recently received an employment offer that required a background check. The third party company, Paycom, contracted by my future employer to perform the check used Experian to check my credit and other past details. There were some minor discrepancies in the check but enough to hold up the background check. After reviewing online, I was directed to call Experian to clear up the discrepancies, which I did.

Charged me for a subscription that I don't remember ever signing up for. After trying to dispute the charge with CITI bank I was denied. I will never ever recommend or use their service again, and very long wait time for response.

Working on increasing credit…TransUnion Credit Bureau reports this-TransUnion 659/Experian 642/Equifax 655…Looked through Experian Credit Bureau & found it so low 618/Equifax 622/TransUnion 655…looked through Equifax Credit Bureau reporting.

Experian Boost has only made my credit score much much lower. My bank disconnects OFTEN, and suddenly they "can't find any recurring payments"...the exact same payments in the same linked bank acct that they were conveniently able to find when I was paying for the more expensive subscription with them a month or 2 prior. This is criminal. On top of the fact that a lot of the payments that I do make and is reported to Experian on a monthly basis (that would help my credit score) is not ever actually listed on my credit report. And they keep the negative stuff on the report when it should be removed. Someone needs to look into this company from a legal standpoint. I see a class action lawsuit in the near future...

Experian reports incorrect info from creditors. My creditor reports to them monthly and they do not have any record of it. Their customer service reps are completely incompetent and do not understand how credit works. They have damaged my credit with their fraudulent behavior and should be held accountable. They should not able to operate any longer.

Updated on 08/07/2023: After I recently wrote a bad review about Experian (Boost), I knew that they would retaliate and they did. They lowered my score by 16 points for no reason. Only thing that changed was that I wrote a bad review. With Experian boost they claim that they can't find your bills to report, even though they have access to your accounts. Experian boost is a free service. After talking to a supervisor, he told me that boost is a free service and that I should consider using their upgraded service (which is almost $30 a month), and then they would be able to find all of my bills. How Experian has this much power to hold someone's fico score for ransom is truthfully criminal. I will not pay for their upgraded service. They will continue their retaliation and my next step will be to hire a lawyer.

I have been trying for 3 years to get my rent to count for my boost. You can never get them on the phone!!! All they want is to sing you up for more money!!! Don't waste your time. THEY SUCK SUCK SUCK!!!

I signed up on Experian to be able to freeze and un-freeze my account at my request. This does not work at all. I have tried repeatedly to get my credit report un frozen and every time I try to apply for credit I am told that Experian has my credit reporting frozen. When I call support for Experian I am told it's not frozen, but Verizon keeps telling me they can't pull a credit report. I had one support person tell me that it never works right and if I really want to un freeze my credit then I need to purchase their credit monitoring services at $25 a month. This give me such a creepy feeling because it's bait and switch type tactics to extort money from me for their service. Terrible user experience for me....

I had a bad customer service supervisor experience with Victoria!! I had disputed 2 Amex cards the end of March this year that I was removed from in 2020 as an authorized user. I noticed several months ago that Experian out of the 3 reporting companies reopened these accounts that's why I disputed it. Fast forward to now these cards are still showing as open and this supervisor Victoria had no explanation except to blame Amex who last updated August 2020 which clearly shows Amex is not to blame. It's Experian system that caused this error but Victoria would not accept it which changed my view of this credit reporting agency from 5 stars to 2!! Sometimes a supervisor just acknowledging an error in their system goes a long way in keeping their company reputation intact!! Experian you have Victoria to thank for this review.

Do not use Experian. They will damage your good credit score. They use credit spending against you. They ruined our credit in only one month. I think to get you to sign up for their high interest yield cards. Bad practice. All they do is gives us a series of excuses and policies to get away with this. The government needs to investigate them. We always pay on time. That's the only thing these companies need to look at. I think this is a scheme to drive down your scores. Don't trust them.

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

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

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

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

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

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

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

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

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

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

My credit sucked. I began working on fixing it. I got Boost. My score increased 18 points. I fixed my credit. Equifax and Transunion had me at 750. Experian had me at 750. I removed the Boost. My Experian Score dropped 100 points. Although all 3 reports look exactly the same. Experian is frozen at 662. Equifax and Transunion at 783. Experian is affecting my credit options. When I attempt to dispute. They say- add Boost again. Boost is a scam to get your Bank info. I am looking to sue Experian. I am NOT a happy customer.

I won't ever need my Experian account. Is there anyway I can delete this information completely? I have a free account but I should be able to delete it. I don't need it since I don't borrow money at all. Also, why do they have my "Google Pay" information? I would like to delete that as well.

I created an Email with password for a Basic Free look at my Credit Score. I never started a Subscription nor gave out my credit card, not authorizing for them to bill me. Then I started getting charged $29.99 plus $2.99. What a scam. I turned it over to the fraud department and ordered a New Credit Card. To use my Credit Card without Authorization and the Customer Service is Terrible. This is the worst Credit Bureau. Tip for consumers: They will charge regardless or upgrade you without your consent and use your credit card without letting you know. Not cool. It’s not free.

I signed up with this company 2yrs ago. I opted for the "free" account, as I was simply wanting to keep track of my credit score and nothing else. As of today, 11/21/2022, Experian hasn't adjusted my Transunion or Equifax scores since....August 20, 2022!! That's right. I've been paying my balances every month, on time. I have a 5% usage on all my cards combined. A 100% "On Time" payment history that goes back several years now. And they tell me that in order for them to keep my score updated, I need to UPGRADE!

I wasted several minutes trying to navigate through Experian's "prompts" to speak to an Experian specialist. The teleprompt only recognized responses keyed into its system. My question did not fit any of the pre-recorded responses. The teleprompt recognized that I wanted to speak to someone, but kept navigating me back to its original queries. It never transferred me to a specialist. Experian is behind the times by not making its Help Desk readily accessible.

Experian were quick to update my credit score after a successful boost with Credit Boost Helpers. I dealt with poor credit for so long because of my total ignorance. Glad I found CBH who helped me clean up my credit score fast.

First the auto system was horrible and didn't understand what was said. I ended up repeating myself 3 times. Finally I get to customer service and it took over 12 mins before she said she can't help and hung up.

Experian is always sending me offers for credit cards. The messages says that if I get another credit card it will lower my credit card usage percentage and increase my score, if I continue with the same spending habits. I turned down the CC offers because I don't want another hard-hit inquiry on my report. I felt that I would just drop my usage percentage by paying down the balances on all my accounts and keep them low going forward. So that's what I did.

When you first create your account with Experian, you sign up for a $25/mo. subscription that will start automatically after the trial period. If they notified me during the sign up that charges would start immediately after the trial if you don't cancel, I didn't see it. It should be made clear when you're signing up, not hidden in small print. I submitted multiple support tickets on day one after they charged me, telling them to cancel the 30 day subscription and refund my $25. I was never able to speak to a human customer support agent. I got an email saying that all they would do is cancel the subscription, keep my money, and leave me with a service I didn't want for another 30 days.