Experian Reviews

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.

Had an old collection from a company. We moved. Closed our account and they kept billing us. We disputed and won. A new collection company bought the debt and they put it back on my report. I disputed the debt and advised Experian that they already removed it but they dropped my credit 31 points and put it back even though I proved the debt was false. I tried to call but could not get anyone to help. There are so many shady debt collectors. It's sad they side with many of them.

I have as good a credit as you can get, I signed up for Boost anyway (not smart). In doing so you give them full access to your bank accounts, my score did increase maybe 12-15 points. I changed my password at bank so they can't access my accounts, now they decreased my score 30 points on the Experian page, but if a credit inquiry is done by them it shows my credit around 30 points higher than their page shows. My conclusion is Experian wants total control of your bank account and that they only have to show the credit improvement on their site anyway. I don't believe it changes anything, just gets them your password for online banking....

Wrong details provided to credit provider. Very difficult to access direct contact with staff member. Once achieved contact staff members cut off calls and were generally wholly unhelpful, misleading and of the opinion were unaccountable. Refused to escalate matter to senior management, refused to provide details of CEO when requested although such information is available from internet.

I'm just ignored. An email address is not available. Phone support is unavailable. It's not working. I have been trying to reach out for more than a week with no response. I'm not sure why they blocked my account but I have no way how to figure out because I'm unable to reach out to them.

For months, I have been paying down large portions of debt to the point where I will be debt free by year-end. At one time I was at credit card debt to availability ration in the high 60's, and it is now down below 40% and getting lower every month. Experian has kept me in a range from about 698 - 725 for that entire time, and now that I am below 40%, they have me back down to 700! 3 of my 5 ratings are exceptional, with the others good, and the final one (debt to availability) as Fair. They IMMEDIATELY lower your score at the drop of a hat, while painstakingly and slowly raising it when you improve.

Just got off the phone with about six different people and how someone can hack into my account at Experian, change all my information which is private phone number, home address and the email and how ironic I cannot even sign into my account there now because everything is changed. How can a company allow all my information to be changed by a hacker and they’re the ones that is supposed to monitor the dark web to see if I’ve been exposed to fraudulent activity and then the ones being hacked. What a joke. Want to good company I go to TransUnion. Much more professional.

Experian makes it extremely, and I mean hardest I've ever experienced, getting in contact with a representative/agent. After finally figuring out how to "trick" the system to be able to talk to someone, the agent contacted was incompetent, barely spoke English, and unable to resolve the system issue that prevented me from logging on. All things considered I would rate Experian as the worst company with whom I have ever had any interaction. It is scary that they manage credit for a large population. I doubt my data is at all safe in their hands.

Never again will I obtain a credit freeze with Experian. I simply just want to unfreeze my credit for ONE day and Experian isn't allowing me to do that. You can't get a hold of ANYBODY through the phone. I try logging onto my account to easily unfreeze my damn credit online, but I constantly get an error message. So I try to call technical support.... Guess what? CAN'T GET ANYBODY ON THE PHONE. This is absolutely ridiculous. Good thing I'm not buying a car and need my credit LAST MINUTE. I would be SOL simply because Experian members can't do their job.

My credit score was in the 700's and I added boost using my phone bill and my credit score suddenly went up 7 points but a week later my score dropped down to the 600's. I disconnect the boost and it dropped down to Fair...Either they are racist because my name is hispanic or they are deliberately using boost to lower good credit scores. I worked super hard to get my score up and Experian boost unlawfully dropped my score down to where it makes me look bad.. I'm telling everybody with an hispanic name or not to BEWARE! And DO NOT USE EXPERIAN BOOST!!!

I got an alert that my daughter's SSN MAY be compromised. The email said I needed up upload my driver's license and birth cert of my daughter, and that I would be contacted within ONE BUSINESS DAY. THREE days later, with no contact, I call Experian. I'm told I'll be contacted in 24-72 hours... THREE days later, I re-call. I'm told again, I'll be contacted in 24-72 hours.

Dealing with Experian is an absolute nightmare. They don't update reports in your account. I paid off a collector debt 4 months ago; they sent the notice immediately to Experian, and 4 months later is still shown and affecting my credit score. Contacting Experian Customer Service is totally IMPOSSIBLE. A total nightmare. They should be out of business.

They gave wrong info to lender (this has been confirmed by another lender). Ruined my chances of getting trailer to save my therapy horses from wildland fires in Colorado. the bale is on them. The onus is on their backs. 5 forest fires in a week and no trailer with 698 credit and 30 yrs of credit history according to other.

I have had the Experian CreditWorks Plus membership for several months. I do not really know if it helped my credit in any way. This month it would not allow me to log in, they asked me to contact customer service (Computer Prompt). I proceeded to reset my password, then I reset my username. Failing that, I finally called customer service for help. THey verified my name, DOB, SSN, Address and one of my security questions. But, when I was unable to verify the second security question they could not help me. I could give them my current password and e-mail. Unfortunately, they did not or could not help me without the security question being verified. They had me listed as a member and had my bank account information, but could not help me. I gave up and canceled the service. Even though they would not help me log in to my account, they did cancel that same account within one minute of my asking.

I’m so frustrated with the horrible experience with these people. They charge me 30$ a month just to try to sell me stuff. I’m so mad. My name is Monte **. I’ve been disputing child support with these guys for a year now and it’s still on my record and because of that even though I’ve tried to send pictures of the paid in full receipt and the letters from DSHS and they still won’t take it off and no one will give me credit or a rental. I’m so mad. I can’t even get a phone call from these people and I’ve given them over 600$. It’s them I should be disputing.

After filling out tons of info linking my CCards etc, I received a notice my credit score went DOWN! I did the free offer, but maybe... if you paid them they would help you, in my case it went from 778 to 776.

It's practically impossible to get to speak with a real human being at Experian. No matter what number you press on the phone prompts, you can't get to a human. They claim to also offer chatting with a live agent on their website, but there's constantly a message stating that there are no agents available at this time, no matter what time of morning/day/evening you check it. Lastly, you can type them a message and hope they reply. So far, they haven't. I sent a message days ago and have not heard anything back. Their customer service isn't bad, it simply doesn't exist. There is none. They would first have to have customer service in order to be either good or bad. Just awful for people like me who are concerned about my stolen information.

I submit a dispute for yrs regarding a bk ch13. Case dismissed. Paid in full and still decreased my Fico score without any reason. Should in charge off on my credit report. I called the debtors supposedly affected. They closed the accounts already and they said is Experian who's the one affecting my credit report and score and shoulds very clear on the credit report paid in full. Why you can't or won't updated my credit score? Be responsible and paid attention before damage credits. Am tired of this irresponsibility from experian causing me a lot big troubles with creditors. Also they let a lot inquiries. I never applied 34 to be exact. What's wrong with all the dispute staff of experian?

Don't bother 'trying' to find any live Rep or Contact anywhere on their website. They're nonexistent. The 800 numbers provided are an idiot automated service that offers you two whole options. Neither of which refers to disputes. Like many others here, I've wasted precious time filing online Disputes against MANY inaccuracies on my credit report, that date clear back to 2020. All of them STILL SITTING as Negatives, which is horribly unacceptable. And frankly FRAUD. If Experian were a real company, this would be lawsuit in the making. They need to be SHUT DOWN for basically operating as criminals.

Unable to do a security freeze on myself online. Was prompted to mail my information to a PO BOX in Texas to do a security FREEZE? MAIL TO A PO BOX! Never able to speak to anyone through phone prompts. At one point selected I was member? Actually got a VERY RUDE AND UNCARING GIRL who informed me they do NOT do as any of this at this Corporate location I called. Was able to do freeze with other Bureaus without any complications. Leaves me to QUESTION WHY…OUR VERY CONFIDENTIAL INFORMATION is going into their hands. Especially after a major security breach on their part! Is no one aware? They are responsible for your credit INFORMATION…CREDIT INFORMATION.??? It’s as if there are NO ONE is at Experian.

This is a scam. When I joined it was 14 dollars and change monthly. I surely must've have overlooked the fees they were taking from my bank account which was 16.96 monthly! A huge oversight on my behalf because they've been doing it for over 2 years now. After I found out I immediately cancelled my membership. After talking with customer service whom had me on hold to "research" the issue, she came back and gave me yet another customer service # with an ext **. Really! I said to her, "Wait, an extension # that long?" She said there was nothing she could do to help me and that I'd have to call another number. Funny...they do fraud alerts and dark web protection but I never thought the very same people who were supposed to be protecting me are the very same people who are robbing me!

I will vote zero stars for Experian. First of all it is impossible to talk to a live agent amid "covid -19 excuses" or other lame excuses. The agent are mostly not accurate and knowledgeable and rant out, mumbling inconclusive sentences instead of a steady business language and shady. The only thing they do is pushing buttons and collect info that never forward. I have personally detected a endless list of mistakes, therefore I urge the consumer not to rely on these individuals and check your credit amid serious mistakes. The supervisor are never on site when you are so fortunate to talk to an agent and the agent are hired to create a barrage of false flags and block further elucidations,

How can we have faith in our credit markets when Experian has aggressive and predatory billing practices. As well as not protecting customer personal information. Some please do something about this organization and its deceptive practices.

All I wanted was to look at my credit report. I don’t sign up to receive a flood of emails! Not at all professional! This company needs to stick to reporting credit and should protect people from a flood of email advertising. My trust in experience is gone. There should be a class action lawsuit!

My credit score decreased by 25 points in Jan 2022. My Experian account revealed no cause for the decrease. Experian was contacted via email 4 times but could not / would not provide reason for this decrease. Experian continued to answer each email with the standard answer listing reasons prompting a credit score change but refused to provide the information causing this change or the organization that provided that information. A complaint filed with Consumer Financial Protection Bureau caused Experian to return the 25 points they removed. 2 months, 4 emails to Experian and a complaint filed with CFPB later and my credit score is back to where it was before Experian decided to change it.

I literally got rejected from a bank, trying to open account online, where I have been customer for over a decade, because Experian says I do not exist!!?? When I try to log in it say irrecoverable system error. Try later. No internet connection. You don't exist?? Fix your app so you don't mess up people's lives anymore!!

Avoid any of the paid memberships with Experian! They have no customer support whatsoever. If you try calling, you can not speak with an actual person no matter what the circumstances are. You are given the option of pressing “1” to use the automated system or pressing “2” to end the call. I tried several keywords (including “emergency!”) to get to a live person, and there is no word or combination of words that get you out of the automated system. The automated system is useless, so that basically leaves you in the cold, whether you are paying for a membership or not.

Experian is a platform to scare you into a bogus membership. While they will send you constant emails, you will be ignored when it serves you. They will disregard all important factors, questions, and resolutions unless it serves them. I have been frauded by a company that is suppossed to protect me from fraud. In fact, my membership jumped 17.04 a month without any notification. So, you contact them to resolve an issue and you are connected to an individual oversees that as no clue about anything. 100% a scam. Why would you pay them when Credit Karma is free!!!!

I called in to get a better understanding about 1 of my disputes. As soon as the conversation started, there was instant hostility! Why I don't know? I still don't have any resolution for what I was seeking. If anything I have more questions than answers now. It's called customer service, not hostel services! More sympathy & empathy! Not more arrogance & ignorance!

Like thousands of other people's reviews I'm reading here and everywhere else, Experian scammed me with their fine print. I went online to get my "Free" credit report but weeks later I got charged $24.99! My two sons also got theirs the same day and they were also charged! We never knew that we were signing up for a "membership"! Experian has their website set up in a way, people inadvertently sign up for services that they don't want. This should be illegal! How is it possible that here in the USA, a company like this can scam its users? The government should do something about this and fine this company! REPORT IF YOU HAVE ALSO BEEN CHARGED WITHOUT KNOWING THAT YOU WERE SIGNING UP FOR SOMETHING YOU DIDN'T WANT!

I submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes.

I completely understand the operational path credit bureau companies take to provide you with information that belongs to you.... What I don't understand is why you have to pay for information that belongs to you!!!! I believe this should be a free service to protect your information, and all the bureaus should be connected to share and update all your information, which does not happen right now. Maybe a new law should be formulated to prevent such companies from underestimating your efforts and achievements of trying to make a positive action to your credit worthiness! That's what I think!! Thank you.

Did the "Boost" thing and it provided a reasonable score. Unfortunately, this score isn't visible to would-be lenders; I'm still "credit invisible". If you are credit invisible, "Boost" will do nothing for you; don't waste your time or money. Having paid the $24.99 "membership(?)" fee, I was greeted with a banner, "pre-approved" credit card offering. Applications for one card then another resulted in credit denials. So much for pre-approvals. Worse yet, the applications for the cards reduced my magical credit numerical value. Experian is in the business of credit evaluation but has branched out into the something-for-nothing business. DO NOT subscribe to their $24.99 per month scam as it will do NOTHING to mend your credit invisibility.

Experian is always about 50 points behind the other Credit Reporting Agencies. They do this in order to extort people into giving them access to their personal, private accounts for their Experian Boost. In reality Experian is doing no one any favors. I have pretty good credit. I recently paid off 2 credit accounts and received two credit line increases. The information was not reported accurately, so I disputed the information in order to get the correct information on my credit report. My score should have raised once the correct information was updated. After paying of 2 credit accounts in excellent standing and getting 2 credit line increases. Experian LOWERED my score by a full 20 points. I paid off the 2 credit accounts so I could apply for a Home loan without the debt ratio. So, much for buying a Home. Experian is completely Unethical.

I was the victim of identity theft several years ago due to the Equifax breach. I recently tried to freeze my credit on experian.com (it was supposed to be frozen already) but it tells me it doesn't recognize my email/password. When I click on send me an email to reset it, it sends it to a fraudulent email they have on record for me, so I never get the email. I CANNOT get ahold of a human being to change this for me. I've tried several different numbers and options and it all reroutes me back to the automated system. SO FRUSTRATING!

Beware! Experian has allowed an identity thief to change my user name and password on multiple occasions. I have had to jump through hoops to regain control only to have it happen again. Experian claims no responsibility to safeguard my data. When situation was escalated to a supervisor she rudely told me to call the police.

Where do I begin? I was looking to review my credit scores before I purchased a home. Honestly, I was trying to understand my numbers before sitting down with a lender. I looked at my bank account, and I noticed that I was charged an initial few for joining to review my three credit scores. However, I saw I was charged an additional 32 bucks each time I came back to check the accounts for clarity. I then contacted customer service, which took 30-40 minutes because the automated system refused to transfer me to an actual person. As a result of my persistence with the process, I got through. The first customer service representative said that she would take care of the situation, and while I was trying to get clarity on why this takes place, the rep hung up the phone on me. Really. I then start over with the automated server trying to get through to a live person.

The website sucks compared to the other credit bureaus. I created an account several times because the account was marked as "created", but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. When speaking to a customer rep, he said there was 4 different "inactive" accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

PROBLEM: The entire company is hidden behind dozens of Telephone Audio Robots that will not allow you to speak to a person. Everything is recorded - messages and instructions, With no way to request a specialist or service representative. Yes, I had a pretty simple Login access problem, which Experian could have resolved in 5 minutes. -- With a Sys Reset or Unlock function. Any Customer Service could have resolved the issues (no need for a high-paid Technical Specialist, just Customer Service Rep).

Trash bill, they bill quarterly. Of course Experian Boost asks..."what happened here? You'll need to explain why you are missing payments." And, of course, there is no way to contact them to explain that THEY BILL QUARTERLY!!!

First Experian is ridiculously bad at credit scoring. They drop you 20 points for nothing then give you 1 point for outstanding credit. They are liars about their BOOST. Which is just Pure **. I personally feel that this credit reporting company should be shut down.

Signed up for $1 for my score to buy a car. I canceled within a few days but they billed me monthly. No human to speak to and the site/phone automation makes it nearly impossible to fully cancel. It downgrades your subscription only. No way to fully get out. Many stories on the internet where this downgrade still charged people. It is obvious their intention is to not let you cancel. Tried several phone numbers and spent an hour trying to get the automation to let me fully cancel or speak to a real person. Their trickery captures you and won't let go.

My credit scores have not been updated on Experian since August 9. ScoreSense updates every month. Rather spend my money there. There are a few good things like credit lock. They also solve disputes pretty well.

Experian receives kickbacks for every credit card suggested by them through the credit card providers. When you add a suggested credit card by Experian, your FICO will take a hit. The intended usage of this company is to drive your FICO scores up, but when they benefit from a selection they had given, and your FICO drops due to a new line of credit reported, one must reconsider such suggestions. Overall, a good company, but beware of any suggestions regarding the acquisition of additional credit cards. I will continue with them, but will never again accept their recommendations.

Experian is a scam. They charged money from my bank account without my knowledge. Once they register your name it is hard to delete your account. The only way to contact them is by phone. Experian=online scam.

I have had problem logging into the Experian site. Keeps saying “Come back again”! I tried to call and was disconnected about 50 minutes times! They need to be investigated! How do you give someone a 740 when the other companies are 798 and 807???

I have been working for months to raise my credit score, following Experian's guidelines and paying down debt ratio. I added at least one credit card that I use regularly and pay balance each month. My credit score was slowly going up month by month, to nearly 700. This month, I did my usual and used my two credit cards/methods for purchases and paid them off before the next month. I got this notice today from Experian saying that my credit usage on one account has decreased. Okay. So I did not spend as much this month? I checked the alert at their site and they had my credit score down 15 points. When I contacted them to ask, why?, their repeated response was that I need to talk to a credit advisor, because they are not credit advisors.

This is my worst card experience ever. I pay my bills on time! I had my first payment due today 10/19. This card has refused to allow me to use my debit card. Unless I pay a $7.95 fee to make my payment. This is ridiculous of course! As a result, I will avoid using any Experian referenced accounts in the future. This has soured me on trusting Experian for referencing and referring credits services to me. These are predatory practices. This is a predatory credit payment practice, charging a fee to make your monthly payment. If you want to make your payment, larger, they make it difficult for you to make that adjustment. You can make that payment larger through your card if accepted. As a result, they get to charge you a $7.95 fee calling their webpage customer service.

Tried speaking with an agent regarding how I go about a name change so I can sign up for Experian Boost. Automated system keeps going in circles because it cannot understand the reason for the call and will not transfer me to an agent. I tried the online help and no information is available for my issue. REALLY the worst company to deal with. You can't get a human.

Experian recommended the credit card to build credit- so I accepted it; only to have it for at least 2 years, paying annual and monthly fees and high interest- and no positive reporting to my credit score. When I requested an increase in credit they want to charge 20% per $100. The card only had a limit of $500. A rip off company and Experian is in with the deception.

After finding out I had someone get into my Amex account. It was suggested by the food folks at Credit Journey that I contact the three credit reporting bureaus. Experian was the first logical choice due to their affiliation with Credit Journey. I attempted to log in to my free account and was unable. Given that I never used it I thought it best to recover my password. To my great dismay it the partial recovery email address was not mine. This was September 21st. I reached out to their fraud department, who discovered the hacker had taken over the account oddly upgrading it to a paid account. I imagine more information for them to steal. I had a fraud alert put on my accounts and a credit freeze at Experian. I was told that I should call back in 72 hours in order to recover my account via asking me random questions pertaining to my credit history. The wait was apparently to have the questions generated (??).

I I called in to find out why my credit score dropped 18 points and was repeatedly hung up on without any reason why it had dropped but nothing had changed. There was no reason for a drop at all. One person even told me they didn't know why it dropped 18.4. Shouldn't have are. "You told me to hold on", he never came back. After speaking with five reps they all couldn't explain why my score drop. I asked him to please look at the last 3 months and they can see there has been no change. Still did not answer my question. The worst part was being hung up on.

I was just trying to submit a job application online and part of the process was to sign up for Experian and give them all your credit card details. There was nothing clear about it being optional or separate from the large company I was applying for. Now I have surprise charges on my card. I'm sure this arrangement with the company works out really great for experian. A good and honest business wouldn't have to deceive people to make revenue.

Experian, has racist tactics, in my opinion. My credit score dropped to 627 after my Car was Repo’d. I obtained three credit card accounts after which due to Experian’s advice, and also consolidated an old school loan. All my accounts (including my school loan) now have an excellent payment history for over seven months. However, once I connected to, then disconnected from Experian Boost, my score dropped to the low 500s, and I only used my Checking account to pay my phone bill..

According to their own Customer Service. Experian Boost has a big problem with Joint Bank Accounts. On top of it, the Tech support does not return feedbacks to customers and not even their own Customer Service Agents. Experian has no problem accessing your Bank account and telling you when your Account is low. But refuses to access the bank account and run Boost, if 2 names are reported back from your Bank institute.

We shall see if this information to all consumers makes it way to you The Consumer. I have spent time in researching the best ways legally to Dispute / or Verify inaccurate / Accurate information. Honestly if you owe the money; Pay the money! If you do not owe what a Collection Company says you owe or has placed information on your report that is reflecting Positive or Negative; every Consumer has the right to question the validity of that information. Any debt collector by law must provide Who, What, Why, How, and When. Always request in writing best utilize a (Certified Letter); and so should a creditor to have a receipt for your file. If not, this goes quickly to un-civil back and forth he said she said. And with all due respect, is not at all Professional leaving either party with no recordable resource to stand and battle with.

I'm nearly 71 and when I owed on my house my credit score with BOA shocked me. It was 890. My husband died almost 14 years ago. The first time they dropped my score USAA got involved. The second time I did... this is the third time and their BBB is 1.8. They are no longer a credit bureau. They are a business. I'd NEVER use any of their services because they are a scam! My credit is well above the normal amount and my bills are always paid ahead of time. My house is paid for and I paid cash for my XLE Toyota that was over 31000. My credit score was never lower then 838 until Experian started lowering scores. They have no credibility with me!

A few months ago my auto lender made a system error and marked me 180 days late with Experian, Transunion, and Equifax. This error dropped my scores about 40 points with each bureau. I submitted disputed with each company, and was in contact with the lender to correct the mistake. Once the error was fixed, Transunion and Equifax returned my score to what it was prior to the mistake. Experian which had dropped 42 points, returned only 13 when the 180 day late was removed. When I called to find out why they said that there was nothing that could be done and that my score is completely controlled by their algorithm. I explained that when a factor that caused -42 is removed from an equation, the end result would be +42. They either did not understand that simple mathematical concept, or they did not care.

They have a phone tree that blocks you from ever talking to a person! The recording actually says you have to have a really good reason for them to connect you to a person! But you can't figure out what that reason is. I have NEVER had such a bad experience with a company. And yet we are reliant on them (plus Equifax and TransUnion) for our credit rating. My husband and I are moving and I have packed away in storage the credit bureau files, so don't know how to log in to unfreeze our files, which I froze a couple of years ago. They all three were impossible to deal with. Again, zero customer service.

I signed up, linked my account. I have 3-5 aged accounts that could have been included in the boost. They found one account and raised my score by 2 points. Not a fan. In addition, for some reason my account was kicked our and they want me to keep linking. Not a fan.

PLEASE READ!!! I called Experian today (7/27/21) around 7:20pm to inquire about an account on my credit file that I thought was deleted several years ago. Conveniently, Experian disregarded my requests each year to receive my free annual report, which would have revealed the account a lot sooner (against FCRA policy and totally illegal). I spoke to Cynthia from the disputes department where I was treated like a common criminal for wanting to dispute an Item. Cynthia refused to give me accurate information about my credit file and argued that she was unwilling to dispute or challenge the information being reported because my name was spelled wrong for years and it was too complicated and confusing. Cynthia implied that the derogatory information in my file must be correct because I have an African name.

If you pay Experian a premium they help you however when you use the free service they trash you like you are nobody or a criminal. They look for any excuse not to help you and treat you horrible, they refused to put a supervisor on the line, the service is horrible.

I have twice attempted to resolve a "status of account" on my credit report. The account has been close since 2018. The other two credit bureaus show the account closed. I suspect that if I purchase their package to improve my credit score, the account would be reported closed.

After receiving a letter about a data breach, I followed the instructions in the long letter to freeze my credit "for free" to block persons from opening up credit in my name. I can now see there is a small (not bolded paragraph) stating "don't confuse credit freezes with credit blocks". CREDIT FREEZE: Blocks new creditors from opening a record while CREDIT BLOCK: Blocks new and old creditors from opening a record. Long story short is that I noticed two odd monthly charges of $24.99 from Experian, which I did not knowingly authorize. What a scam? I am at 24 Experian email notifications for July and today is the 21st. Who in their right mind wants that many ** emails. Really??? Very poor business model.

I check my credit report regularly through my bank. Despite having no errors on my credit report, the errors with Experian's identity verification system is inhibiting me from applying for rental properties. I spent 3 days on the website trying to figure out what the problem is and trying to submit documents to verify my identity. The website would not allow me to upload any documents even after assuring right file type and size.

I have paid off 11 credit cards and other accounts and they still show I owe on them. Very slow to update or boost accounts. I do not recommend Experian. Waste of time and money. Plus there is no way to contact them.

Well I really liked this site because it's so easy to use and it's quick and there's actually live people there talk to you through anything you need to get done and also the customers and the workers are just fantastic.

They offer complete details on my credit report, offer ideas how to improve my credit and what to look for that would hurt my credit, and available to answer my questions if any arise. By following many of their ideas and suggestions I have been able to stay on top of my credit and keep it at an acceptable level.

There should be more credit tools to choose from free to subscription adding tools to the package like freeze, lock, ID protection, reimbursements range should measure to your income, credit, free to the amount you check. All forums should be added as such to empower all.

Easy of use, always keeping the user updated on anything impacting our credit. Up to date scores and frequent too. Is a great tool to manage and improve credit score. Love their self-reported accounts feature that helps improve the scores.

I was part of a data breach. I was to get free services for one year and monitoring... They did not honor either of them and then I had to fight with them and my bank to get my money back. I absolutely do not recommend them at all.

Tried to enable Experian boost and it never worked for me. I did everything right and Experian could not get it up and running correctly. Major disappointment as it would have increased my credit score. I pay off my cards every month and have not missed any card payments, or had any late card payments, and my score is not increasing as much or as fast as it should.

They control my score and do not edit for mistakes, yet they want to sell me a program to up my score with them. I would think the FTC should put a correction upon the company, basically a unethical practice.

Experian is always up to date, offering consumers information right at your fingertips. The site is very user-friendly, convenient, and notifies you on a regular basis about your credit scores, opportunities, available services and more. It is a safe site so you can feel confident about using it on a regular basis. This is the only credit check site my husband and I ever use.

I like that they send you your Experian score every day and credit card offers. I use it to lock my credit. My only complaint is that you pay a monthly fee and if you want to look at all 3 you have to pay 3 times the monthly rate to do that, and they don't say if you click you will be charged. I think they should offer it for free at least 4 times a year.

When I signed up for Experian to see what was on my report, my credit score was at a 515 and I had quite a few negative items. After paying off some things and disputing items my score went up significantly. I was able to get approved for the suggested credit cards and within 60 days my score went up over 150 points and all negative items were successfully removed. Experian gives weekly updates on my credit usage and tips to keep my utilization down so I won’t make the same terrible mistakes I made previously. I will be purchasing my first home by September. I recommend Experian over the other credit sites since they give the most accurate ratings.

It's a great app. I personally increase my score by 40 point in my first 3 month. You can optional Link your Bank account for better result. By doing that I have increase my score by 19 point along with my cellphone Bill on time payment every month. Do not be afraid. It's simple and safe. They will automatic scan your Bank account every month to help you increase your score and the best thing is that you can unlink the Bank account anytime.

I usually get the score of my credit through my credit card services. It indicates the score and what are the applicable changes due to the recent activities. I can look at the activities and determine if I recognize them.

It no wonder to be a convenient and trustworthy for one that can provide an instant and more easy way of one’s credibility when it comes to contact or hiring activities. What more better is it also well accepted in most of the fields and quite easy to use.

I really like using Experian, but when I have issues with disputes or need assistance, there's no customer service. The phone lines don't allow you to ever get to a person and they only give 2 Option. Get a credit report or fraud alert. I'm simply trying to file a dispute for an account that was already paid, but they keep saying dispute failed. No one can help me or tell me why.

They always notify me of any questionable hits on my credit report. They have helped me with identity theft and fraudulent charges and accounts, in additional to notifying me about all of the people I have to contact with the appropriate resources.. Have been efficient. I don't wait on hold forever waiting for them to answer.. They are always very friendly and helpful.

I absolutely love Experian! The information that Experian provides helps to really keep you on track with your credit building progress. My credit rating has gone from the 600's to the 700's in the past year.

They used data that was about a month old, thus lowering my score based on a credit card balance that was actually paid off. Other than this, the report seemed accurate. I did not review against other companies.

The free version allows you to view your score, your credit card accounts with payment history, basically the full credit report. It will also do a dark web search to see if your details come up in any questionable sites. It will also send emails when your score changes, even by a point. Overall, a great way to see how your credit score changes over time. Only minus is that if need to update any of your details online, the process takes time and it might not yield any results. Better to do it the old-fashioned way, by calling.

Experian provides updates on scores and reports, alerting me to changes. Emails offering me about car insurance are a little annoying. I stay with the free membership. It offers more but some credit cards give me access to the others.

I accessed my credit account through Experian, and found many things on the list that I knew nothing about. They have me listed with a different last name, for one thing, and my name hasn't changed since 1981. They also have me listed as living at a couple of addresses I've never lived at, and at the same time as showing me living at the correct address. I tried to contact them to have these items either removed, or updated to the correct information, but to no avail. The incorrect items have been part of an issue I am experiencing with trying to refinance my home. I am so frustrated!!!!

I logged on for the free trial and of course they make you attach a credit card number. I've tried to cancel my membership I can't speak to a human, the recording says you're only allowed to be forwarded to a customer service representative in special circumstances but don't tell you what the circumstances are. I enter my information and it tells me that they do not have that information which is complete crap, as far as I'm concerned this company or this site is a complete scam.

The free app gives the basic information I am interested in my credit score and what impacts it from month to month. It tracks key areas of bills and income. I would recommend checking this one with the other 2 credit agencies.

Having simple access to my credit report 24/7 has been invaluable over the past 3 years since I have had to move twice. I have been able to put myself to the top of the pile of applications by providing a printed copy of my Experian report directly to the landlord/manager, without them having to pay a fee or use their time to retrieve it themselves. The emails Experian sends out helps you to easily learn about what is important to your credit score and the stats provided help you keep a close eye on your credit. I convinced a few others to sign up for their free account. If anything negative gets posted to your credit report, you are notified and can nip the problem in the bud. I am grateful for my Experian online account.

When you sign up for Experian they state themselves to be a “completely free” credit service. You’re given many neat and helpful features to explore. For the first two weeks this service is amazing, until you get a $30 bill you didn’t approve and now have to go about disputing. When you sign up, without providing you the choice, you are automatically enrolled in their premium account. They wait two weeks to bill you so they can just take the information you’ve provided for your credit monitoring and be able to bill you without your knowledge, or you even entering your card details. Turns out this “super neat and helpful” service is only available if you’re willing to pay $30 a month, the free version is to say the least, a bare minimum, which you could just get from Credit Karma instead, they’re actually completely free.

So to begin with, I’ve always had problems with Experian, to me they're the worst ever reporting agency, always getting my information wrong, adding collections that weren’t mine. Awhile back I deleted former addresses off my report and it literally dropped my score by 50, so I chat with an agent, she says, "Oh that was just a coincidence.." Ok so I do it again... Lo and behold dropped again by 60 points, again I was told it was another coincidence.. Coincidence my **.. Then she says she can’t do anything about it.. So you're telling me you screw up my score and can’t fix it? She said it wasn’t them.. I said then I guess it was the Russians.. And I hung up... So I log on today and they literally say I have no credit score now.. Wtf? Haha They are a bunch of idiots.. This is the worse ever credit agency ever.. Yes I have a credit score on the other agency... Funny huh? I really hope Experian steps on a Lego and then slides on a matchbox car...

The actual services, like IdentityWorks are awesome and I think they work great. The 1 star review is to hopefully get Experian's attention that they need to change their customer service processes. I've had a problem with my IdentityWorks account for a month now, and it's still not resolved. The issue is, you cannot call them. Their 800 number is a joke. A computer answers and demands your SSN before continuing, and refuses to let you bypass the question. Once you give up and give them your SSN, the system gives you two options. If neither of those are your problem, it hangs up on you. If you choose one of the options, one tells you to go to the website, and then hangs up on you, the other gives you two new options, both of which tell you to go to the website and then hang up on you. Getting upset and hitting 0 over and over causes the system to hang up on you.

I received an email alert that my password had been changed and to email them if I did not do. I emailed and hours have gone by with no response. You cannot call any phone number and get through to a human. Now someone has access to my account and I can't do anything about it because I cannot contact them.

Boost reduces your credit score by showing you have more debt because of your monthly utility bills. If you remove Boost, Experian retaliates by reducing your score one point for each utility bill removed.

I received an email alert that my score went up. Checked and it actually dropped 6 points! I checked my file and could not see any reason for the drop. Called Experian and was told they could not identify the reason. I was told and given a number to call FICO which I did and FICO advised they only report what Experian send then. Called Experian back and asked for Supervisor. She did not give me her name and was very abrupt and irritable. She kept telling me to check my alerts and I explained that the alert said it was going up and no alert indicating it had went down and nothing I could find on the file had changed.

Worst company ever. They advise and I only had two credit cards. They advised me to get another one to up my score from 732. I applied for a two credit cards and my score went down to 699. I am furious that this is what they do and you can never use Boost because it's always busy. Canceled my membership. Worst customer service ever.

Be WARY of this company. They rely on the fine print of their offer to take advantage of countless people. Their entire business model depends on the exploitation of people who need help with their credit. Avoid using their services.

The boost is a con! Do not sign up because they blow up your phone, text you constantly and e-mail you to death! Run! Run! It does not work! You are wasting your time and getting cookies for everything you do from then on with phone or computer!

I wanted to allow a creditor one time access to my credit profile which I have frozen. I created a single-use pin as per instruction on the Experian website. When I called the creditor and gave them the code that was generated it did not work. I spent the next 1.5 hours trying to speak to someone from Experian to rectify this, none of the numbers on the website lets you speak to an actual person. Finally found a number somewhere on the internet, someone who had a similar experience. I finally get through and spent quite a bit of time trying to rectify this. I wasn't happy with the customer service and was glad when I was done creating a new pin. I called my creditor and gave them the new pin and surprise surprise it didn't work again. I got so frustrated with this and just cancelled the application because this would mean talking to Experian again. Am ready to jump ship.

Since they failed to secure their data, you the consumer must send them a letter to unfreeze your account. Welcome to 1960! What is that about? How crap is this modern data based company? Unreal!! So now we cannot get a refinancing on our house. We have to wait and in the meantime we will not get the low rate for our house loan.

I've had a paid subscription to this service for 1 year. Recently I had an identity theft and then noted that the thief was able to reset my username and password using the DOB and SSN they've stolen. I corrected this and it occurred again. I spent 2 hours and 20 minutes on hold with a call center abroad, multiple transfers to 'supervisors' and they failed to correct the error. I would never pay them again for this horrible service. One ignoramus even told me 'if you're not happy, you're free to cancel your service'. Excellent idea 'Andrew'.

They won't take a LOCK OFF MY CREDIT REPORTS so loan companies and housing management companies can review credit. Customer service is TRASH. They're terrible. Customer service is terrible, disrespectful, trash.

Said I have no credit rating! I kid you not have a 726 score with these idiots. Told me to how get some accounts and start a credit history. Have 749 and 740 on the other 2 credit and had 726 on Experian then all the sudden I have no score at all!!!!

The credit report is not reliable and does not reflect customer’s accurate and up-to-date information. Specifically, I updated my name change to all lenders through their online systems, and my credit history with Transunion and Equifax both have my correct credit history of 7+ years, 25 active opening accounts out of 28, and name updated. Compared to my credit report with Experian, it only reflects my credit history after my name changed with total of 3 opening accounts and 2-year length in credit.

I tried several times on different dates to connect an agent or on chat line. Every time I had to wait for a long time about 20-30 minutes and either got disconnected or asked me to try later. Experian needed to improve their customer support service.

Report with wrong, confused and outdated information. I contacted many times this company to correct the information, but unsuccessful. The information in report is not checked. If somebody is wrong and want to make me bad he use Experian. Bad experience. I think this company is not serious.

Experian gave me a year of free service due to a data breach. In the past year they've sent me (2) separate email alerts concerning attempts to establish new accounts on my credit report. In following up on each alert, I ended up spending hours on the phone with employees who had absolutely no knowledge of why I had been contacted by their company. In both instances I spoke with the credit card companies Experian claimed to have been recipient of the "new account" attempts and in both instances they had no record of the attempts cited by Experian. So far Experian has been unable to explain these alerts. Huge waste of time. Would love to get to the bottom of this with Experian....

I wasn't able to unlock my credit through the app so I called.. I was on hold for 10 minutes, someone (that barely spoke English) answered and after I said I need to unlock my credit, he said he'd transfer me. On hold another 20 minutes before I realized they closed 10 minutes earlier with no indication on the phone... I had a very nice guy waiting during that time to run my credit. Seriously?? After reading the other reviews, I'm going to find another credit monitoring service.

I was a victim of Identity Theft in 2019, I just discovered that I am blocked out of Experian website and that my contact information has been changed. I have tried to get in contact with a live person in Experian without success. I just get sent into Auto Attendant Hell, and since my information has been changed by the Identity thieves the system kicks me off the phone. I had mailed written instructions to all credit bureaus last year, but Experian is the only one I did not receive a reply from. Terrible service support, I would, if you have a choice, recommend you ask your creditors to use another credit agency. Identity Theft is stressful enough but having to deal with Experian make the stress so much worse.

I just received notice from Experian, that my credit score decreased. They decreased my credit score by 13-POINTS for no other reason than paying my revolving accounts in full and leaving them with zero balances. One would think you'll get rewarded for paying your bills in full, not penalized. This is Experian for you, they do not follow the guidelines used by the other credit reporting agencies, but theirs.

I use all three credit bureaus. I've had my identity stolen in the past as well as fraudulent charges to some of my credit accounts. You can elect to lock your credit report at all three bureaus. This keeps folks from being able to use your information to commit fraud of various kinds. Experian is the only one that makes you pay for this ability to lock your account. This should not be the case. Anyone who has an account at the credit bureaus should be able to lock or unlock their accounts online with having to pay for the service. The other credit bureaus do this. Experian wants $24.99 a month for this service. If all three credit bureaus asked this much for a service, it would be $75.00 a month! This is what I call highway robbery.

Received notice this week that there was a data breach at Sam's Club where my husband and I have an account. Notice included a bunch of legalese and a 1 year membership to Experian with an Activation Code and and Engagement Number. Tried to sign up online but Activation Code was "invalid". Called Customer Service number provided by the same notice. Customer Service rep Debra hung up on me as I went to get my spouse on the phone for me to proceed. Rude!

There is no way to contact Experian by phone. Never been late on a payment. I used my credit card for our hotel and before the payment was even due, Experian dropped my credit score 50 points which changed my rating from GOOD to fair.

Two credit agencies are reporting incorrect information to Experian and I have made numerous attempts via Experian to correct the false information that is being reported. I have supplied Experian with FACTUAL information on three occasion since April of this year, (2020). Experian claims they have contacted both companies who are providing the false, illegal information and despite my providing correct, factual information which can be verified Experian continues to allow the false information remain on my credit report. What that demonstrates is the gross incompetency of the people who work at Experian.

Upon looking at my bank statement I see a charge from Experian. After going in circles trying to talk to a human was just as bad. Anyways they tried to tell me I signed up for a membership. I never signed up for any membership and they could not provide me with anything showing that I did including an email regarding the membership and the cost. Even after reading reviews I took my chances and this is what it got me. They say that they have fraud protection and they are the ones that we need to be protected from, horrible, horrible company and the robotic people that you talk to in no way can you understand them. Stay away and stay safe. Protect yourself from them.

Experian is a scam. They send random, useless alerts. You cannot contact the company through the website or email. If you call, you wait on hold for 20+ minutes to be told that you must call a different number which is automated and simply a tactic to sell you services. You are not able to speak to anyone about anything substantive. I was provided the "service" free as part of a class action settlement. It's free and more aggravation than it's worth.

I have screen saved every question they have asked to prove who I am to lift a freeze... no problem with other two CA's. Credit freeze because of breach hack. Lost my house with all pin info etc for everything in a total loss house fire. Sent info to address 4 months ago, was able to buy new Jeep because dealership did not use Experian, thank the stars, maybe other will stop using them. Have great credit, in fact, Experian is the highest at 813, but still can't prove to them I am me.

How is this company even relevant in the 21st century? 10 years ago, I placed credit freezes on the three credit companies, following a fraud incident. To this date, I have had no issues with Transunion and Equifax, but nothing but ANGUISH with Experian. For starters, the state I live in requires that security freezes must expire after a seven year period. For whatever reason, 10 years later, there is still a credit freeze on my account, and I am presently left without a viable option to remove the freeze. (Strike ONE) For starters, the Experian website is worthless. It is basically nothing but a marketing tool to sell you additional products and services. There is an option to remove the freeze online, but I have been unsuccessful following multiple attempts. There are no options to email or contact chat/live support. (Strike TWO)

They monitor my credit cards and I saw a 248.00 charge from a gas station in Italy. It wasn't me. They took care of filing the fraud report after I told them it was fraud. They show me regularly ups and downs in my credit cards. What's missing is not showing changes in bank accounts. If I withdraw 5000.00 there is no mention of it. I have had my private info stolen from my work place, my utility bill, and a card scanned at Macy's by a deceptive young woman, which ended up spending money in NYC. Again not me. I would like to be notified when bank accounts are used.

Experian been great to monitor all my accounts. It tracks dark web driver license, medical id, ssn, emails, passwords. You have all in one account and the best thing is I got the membership for free. Also you link your bank account and credit cards.

Been getting jerked around by Experian customer service for 4 months now. I have an issue that needs to be resolved with all the credit bureaus. Transunion and Equifax seemed to have no issue fixing it (fixed it in literally 72 hours). Experian, however, has a level of incompetence that rivals the crew onboard the Exxon Valdez. The agents are deplorably rude, incompetent (knowledge wise) and have no interest in serving their customers. And the issue still not resolved. Absolutely ridiculous.