Experian
Reviews and Complaints

Being charged for a service I do not want. Can not celcel via telephone, email, or telephone. $17.95 monthly. Help.

I was told I could get my credit report for free. Then I was asked
for my credit card number for identification purposes. Then
there was about a thousand lines of terms & conditions from
sponsors & all that legal jargon which I don't even begin to
understand. I skipped thru all that stuff, (why go into all that
when my report is free, right?). So. I continued to submit
information because how could it matter if my report was going
to be free. I trusted them, (I can't remember the names of all
the scammers & didn't write everything down, why?, it's going
to be FREE!. ). Then I got to the part where it said $24.00 would
be taken out imediatly for some reason or other when I clicked on
the submit sign. Well, I didn't click on it & exited the site. I
thought it was all over & everything would be null & void.
Now I see that $14.95 has been charged to my credit card. I know
I'm not the smartest person with understanding things, but this
is clearly an offer which takes advantage of people like me. They
bait you with all this FREE crap & then take your money.
I understand they may have me legally, but far as I'm concerned, they're nothing but sneak thieves. Taking advantage
of people in this manner should warrent a jail sentence. They're
a very low form of people.
I'm hopeing there's something you can do about my situation &
put a stop to this for the sake of other not so educated people also.
With Respect,
David Jensen

I tried for my annual free credit report and it gave me a form to fil out and mail into the company. The two other credit bureuas gave me access. I also tried going directly to website as I was denie credit recently and they said to call a number. I called the number and tried to order on the phone it said I couldn't and would have to mail in information to them. Is this Experians way of not honoring the law and pressuring you into buying their products?

i applied for a credit check which was only suppose to be 1$. now i see that $ 19.00 is being taking out. i want this to stop.

I decided to clean up my credit or lack of since I was now a senior citizen living with my daughter and wanted to not owe anyone anything, as required by my religious beliefs. I wanted to get a list of old bills and clear up any discrepancies. I started with annualcreditreport.com which is free. I knew not to get all 3 at once. I would start with Experian and after that company, move to another and gradually make sure my credit report was good. I do not worry about my low score. I have always paid cash for purchases.

I received my report back aafter a lot of correspondence because a mortgage bill was on it that wasn't mine. They would give me no information about it but after threats of contacting the Federal Trade Commission, I received my report. I accepted the medical bills and carefully wrote reasons why I disputed the charged off Verizon bill ( closed and owed nothing, sent modem back), and other bills, Cox Cable paid a year later to make sure I had nothing else added. They refused to accept my explanations and reopened the charged off bills. And said thank you for updating our information. They did not have my new address before. I have not ben able to get any more response from them. The same happened from Experian, only they said I had a car loan in my name, too. I disputed that as I do not even have a license anywhere, and my explanations were ignored. Again, thank you for updating our information. There were 5 ladies with my name in the area I moved from.

On November 21, 2017, I submitted a letter to experian letting them know that the entry on my credit report on page 6, with the Company Name of Arrow Financial Service and the entry on page 17, with the name JC Penny were one in the same bill. JC Penny turn this bill over to Arrow Financial Service and I paid the bill. Since that time I have applied for another JC Penny card and that is still active. The old JC Penny bill is over seven years old. It should have been removed. I am requesting that Arrow Financial Service and the old JC Penny account be removed at this time. According to Triple advantage my letter was sherreded and it was necessary to dispute it. I am not disputing that it occurred, I just want the information deleted if it is outdated. I want to request a new copy of my credit report for review.

Thanking you in advance,

Martha Martinez-Johnson

I have been contacting Experian to cancell my membership at their customer service web site for 4 months and today I discovered that they are still taking out of my credit card account $14.95 a month. I even told them I was going to lodge a complait or two but that does not seem to make a difference. I only become a member last year when we were buying a house. I had to do that in order to get my credit cleared after they had accepted information from someone else's accout. I would like them to cancel my account and give me back some of my money.

We haven't resolve this yet as we just found it this evening, but we did file a report with the FTC (we searched for FTC and filed a report online in about 15 minutes, trying to help put a stop to this!) and will contact our bank in the morning. We had at least 3 charges (monthly)of $14.95 each that are fraudulent from EXPERIAN *FR 18500 Von Karman Avenue877-3002507 CAUS. We did not receive or request any services.

Read the fine print clown.

Thanks Brenda.

The Experian contract states in part "Your order summary, Credit Report, FICO Score, Credit overview, Credit alerts, Score tracker, Toll free support, Creditlock" ORDER TOTAL $ 1.00
This sounds like the contract, I think any charges above $ 1.00 are illegal and must be returned.
Take it to a jury
Joe C.

Thieves...In November 2015 I signed up for the free trial membership and it is now march 2017, I never agreed to pay the monthly charges, even when they went up. They charged me for 16 months oo my child's savings account which I don't ever check or use since his birth, and now I find the have been unlawfully talking out money each week. customer service is a joke, loop holes, sent me to a web address that is just as much of a joke if you can find it. I recommend you do not even think of using this company and if you have to you must keep your eye out for random charges for services you did not ask for.
KY Quinn.

I went to freecreditreport.com expecting a credit report for leasing an apt. Before I even finished, I had to enter personal information. Once the credit card numbers were pulled up, I exited. The lovely Experian.com, a supposedly trusted name in credit reporting, has forwarded my credit card numbers to CIC*Triple Advantage, which has enrolled me in their great protection program. None of this was presented to me, or emailed to me.

I have yet to receive one email from this service that I am paying for. Nothing. I had not swiped my card, entered my card information, or authorized the charge. Please advise.

Company charged me $14.95 on my credit card. This charge was not .

I totally agree that Experian is doing illegal business practice. I was charged unknowingly for a membership. They changed $14.95 for 2 months plus $99 annual Safeguard. I wasn't aware of neither of them. When I found out and called 1st customer service person said, "Our system is down. Could you call us back in 1 or 2 hours?" So, I called back. The 2nd customer service person said, "Our system is under maintenance. Could you call us back 1 or 2 hours? Or if not, maybe tomorrow." I called back the next day. The same thing. Then the following day, the same thing. I got the clue. All these customer service people are told to lie so that I can't close my account. So, after many attempts I said to the last customer service person, "Why is this maintenance taking for many days? Seems like each time I say I want to close my account you guys say you can't pull up my account. Which is not true. Let me talk to your boss." When I talked to the bass he had my account open on his computer. It was not under the maintenance.

Company telling workers to lie and perform unethical practice is illegal not just to the customers. Illegal Period ! And the top of that I lost $129 for nothing. My friend said that I should get it back. Maybe I should try.

my complaint is with experian credit bureau. experian refuses to verify incorrect items in my credit file. i have tried disputing the accounts for different reasons but experian refuses by saying that they have already investigated the account and that it is accurate. please help.

Experian has got to be the WORST run business in America! I have been trying to resolve a disputer for two months. I have followed their instructions to email my dipsutes 3 times now with no response. I have called the 800 number a dozen times to speak with a live person but no luck. I get the recording "no operator is available now." It seems they don't actually have live people to assist with correcting inaccurate information. In the meantime their information affects my entire life! How can a company with so much power not be required to adquatley staff their departments to be able to service their customers?

Wow, shocking how many of you all have had the same experience as I. I cannot believe they can stay in business!

I was sent an email from Experian stating that I had requested a credit report & they were simply verifying the request. I had NOT made that request & was concerned as to who had. After calling several #'s I finally was able to speak to a human being. I spoke to a supervisor, Nicole employee#25712, she stated there was nothing she could do and told me I could only have an automated # & that noone else in the company could help me! This is after another supervisor by the name of 'Robert' stated to my initial contact that he 'refused to talk to me'. I had been very professional and had asked to speak to a supervisor because I didn't want to get stuck in an automated loop again and wanted an individual who could help me figure this out. In today's age of indentity theft I am shocked that that was the extent of customer service! Appalling

can anyone pls advise how they finally got Experian to cancel the monthly nuisance fee?

I have had excellent credit all my adult life. We own our home outright, have ample savings, still have a decent income, credit cards; revolving and gas, respected in our community, but ever since EXPERIAN came into my life with ITS FREE CREDIT REPORTS I have been refused credit twice. This is because I declined subscribing to THEIR service? I did so because I have credit and fraud protection elsewhere.

This is the second time (at least) that I have had problems with them. None of my making

The only reason I asked for the report was to determine how on earth my credit could be declined by anyone.

Experian is a three company consortium, so designed so that all three can avoid damages for their mistakes. Two (EQUIFAX and TRANSUNION) of those companies investigated our credit and found the amount was adequate and all merchants reported "As Agreed" expieriance. When asked for a report, EXPERIAN ignored the two good reports and reported that we had insufficient credit experience. EXPERIAN HAD NO INFO ON ME BECAUSE THEY HAD OBVIOUSLY MADE NO INQUIRIES.

I told them in a letter. It is impossible to reach them by phone

"1. You did not use due diligence in gathering information on my credit experience.

2. You were negligent in not reviewing and reporting the other two credit companies results.

a. Equifax

b. TransUnion.

Equifax and TransUnion show MORE THAN SATISAFACTORY CREDIT EXPERIENCE both in QUALTY and QUANTITY.

Through your negligence, you, Experian, have been recommending that we be refused credit in BAD FAITH which has caused us financial distress, embarrassment in the business community, and pain and suffering purely as a result of your sloppy, negligent business practices."

Anyone who accepts their FREE TRIAL will only cause themselves endless undeserved grief
John Brewer

I tried to call Experian today and got the infamous automated machine. Couldn't get a person and got sick of waiting and listening to all their 'options'. Tried to get my Free credit reports and got all but Experian. Was told online that it was unable to do it over the internet, that maybe I had a Security Freeze on my account and I needed to send them a copy of my SS card and drivers license, showing current address. OR I could call the 800# for assistance...Well, that didn't get me anywhere. I've been trying to clear up my credit, doing the right thing and my credit is worse now than it was before! I got high interest loans for a car only to find out later that they only report to 2 of the bureaus. Got high interest financing for furniture (its the only credit I could get because of credit scores) only to find out that they are only reporting to Experian! What's the point? Who regulates this stuff?! If your credit score determines whether or not you can buy a house, or pay cheaper car insurance, then it should be mandatory that EVERY place has to report!

experian is awful there was a judgement on my file on all 3 credit Bureaus I knew nothing about so I disputed it equafax and transunion sent me a letter saying it was removed experian says its mine I dont even think they checked and you cannot dispute it again they need to be removed from the credit system I know this is not mine if class action is done Please contact me Ill join in

Experian is run and mismanaged by a bunch of incompetents. My credit line was frozen on a credit card because of erroneous information obtained and not verified by Experian. They should be held accountable for this action. I can't understand why Congress or a regulatory agency has'nt taken action against the credit reporting industry. I have my credit report number from my credit report and can get only to the first page on disputes-then get bounced to make a phone call where no live voice exists. I followed their directions only to be advised (mechanically) that assistance is not available.. I will follow up via registered letter and the dispute form with a copy to my Congressman. Election season is not to far away! TIME FOR A CLASS ACTION SUIT!

John O.

Today I asked for a free credit report from Experian; in order to obtain the "free" report I signed up for a seven day trial of the "Triple Advantage" product. After trial expires I will be charged $24.95. The site said 24 hr toll free support.
I have tried this same day to cancel this product. The automated call service on the toll free number requires a credit report number which is not on my report. The "contact us" button is of no use; I can only find the toll free number. It appears that they have hidden the cancel process or there is none available. This is a scam and not something I expected to encounter on a site from this company.
I also do not know exactly what charges are involved in this so-called product. Tomorrow I am changing my debit card in hope of preventing these charges. I went to annualcreditreport.com and clicked on the Experian icon. A web site that was given to me by an attorney as a source of a free report should NOT contain a link to a site that follows this type of business practice: I would imagine at the least they are paid "per click" if not also a fee from money made from this link. I have seen others online that have had the same problem; they also can not find a way to contact Experian customer support without a report number.

I, too, am seeking legal help to go after Experian. All 3 credit bureaus had listed me as "deceased" due to screwup by a creditor in which I cancelled an account. Creditor notified all 3 credit bureaus, acknowledging its error, INCLUDING EXPERIAN. Two of the credit bureaus corrected the error, and my lender was able to get credit scores from them. EXPERIAN, however, ignored the notification, so I disputed my credit report, demanding that "desceased" be removed from creditor information on my credit report. 30 days later, Experian reissued my account information for the errant creditor in response to my dispute...said account information had been "updated." Not a g_ddamn thing had changed! Was still shown as "deceased!"

Sent a letter to Experian by Fed Ex, demanding that correction be made. Fed Ex was signed for, but ignored...time for an attorney.

Physical address for Experian disputes:

Experian Credit Disputes
701 Experian Parkway
Allen, Texas 75013

Spirit Airlines has dropped their crdit card with Barclaybank and has switch to Bank of America. We are required to switch. We have a very large bank account, at least 5 revolving credit cards that are paid off immediately, a credit score of 802 and no late bills ever and we are in our 60s and either still working or collecting a pension. However BOA turned us down citing not enough revolving credit cards or credit references. They used Experian whose system has been down for a week that I know of when I have tried to get their free credit report. The other 2 aences have excellent reports on us. I agree with the above writer that credit agencies shouldn't have so much control and make errors and then not be available.

I have had an American Express Credit Card tied to Costco for the past year, I have always paid the balance off every month $800.00, $1, 400.00, or $2, 000.00, it didn't make any difference it was paid. I went to get gas on 03/11/09 it was turned down, and then the same thing happened on 03/14/09.

I was a little irritated so I called AMX, they stated that after reviewing my account and going over the report from Experian they decided to cancel my account. According to the Experian report I have had several inquiries for new credit and I am paying below my balance level.

I have not applied for any new credit in the past six month and I pay way over my "minimum" payment due. How do these credit reporting companies get away with this kind of terrorism. This report that Experian has divulged will most likely dampen chances for any future employment.

Costco and AMX push for the credit cards, the card is paid off every month, then they cancel the credit. Does not add up. What is going on that this one company can destroy peoples credit?

If you think you have problems with Experian wait till you deal with this credit bureau.
http://www.number1creditbureau.com

What was the nature of the dispute?

File complaints about any of the Credit Reporting Agencies with the Federal Trade Commission.

Cite violations of the Fair Credit Reporting Act.

Contact LifeLock and ask them to assist cleaning your reports if you became a member before all this happened.

Do you know that if you apply to Experian they will tell you about how good your report is for a further sum of money, as my sum was in good towards the top end I asked their telephone contact about a loan, so she said to me certainly sir, so she then told me she would pass me through to one of her officers, so he then asked me how much would you like and what is it for, so I told him that it was to do with my work ahead in the coming season and that my report stated I was in the good with a 902 rating he then sais that's excellent, and I will pass you through to our other department where you will have to pay a loan set-up fee of £47+ and then within three days yoiu will have the money. I went through as he had put me through and the chap asked what purpose is the loan for and I stated business and he said alright give me your card number and I will go ahead with the loan, whilst on the phone a second or two later a message came through and he then said it is all arranged now sir. IU went through to my computer at hand two minutes after the telephone call and put in the texted number of reference, where upon first site it explained that I was unsuitable for a loan and gave no further information. After a day and several hours on premium rates I have been passed from one to another starting with MyWHLoan.co.uk, to another and then another at the end of they explained it was not their company that had agreed to the £47+ deduction and ended up being lastly sent to Hull where again I decided it was not worth the chase. I spoke to Experian a number of times to tell them I had been passed from them to another department and it was all done blind by them - they first sent one text then another and on one text will look within 28 days, another will look in one day and another after will look in two days - they are using cowboy firms that know what you have applied for and are aware they are ripping you off - do not take a loan arranged through Experian or My WHLoan, or the other hundred the Stockport company are under on the net - do not go through Microsoft as they do not know a company called my WHLoan or whatever - but yes have been told that as it was for business and not new house furniture, or an holiday, I have been refused the expansion loan they said at source that I would get. They are acting like criminals and do beware!.

I have been trying to dispute an item on my credit report. I had little difficulty with the other reporting agencies, but Experian is horrible. They require that you obtain a credit report, which I did, and dispute items on-line. However, it seems that once you print it, you can't get back to the display where you are supposed to be able to select the item(s) to be disputed. The summary of the report stated that all that was needed was the report ID. However, that is not accurate because you need a log-in to get back to the information. I attempted calling them to get a mailing address, however there is NO OPTION for a credit report on their menu. Also, I was not able to talk to a live person. I went back to their website to email them and have received to emails from another company, CreditExpert.com. One suggested filing the dispute on line which did not answer my question. The other provided a telephone number for Credit Expert Customer Service. I was on hold several minutes, and when I finally talked to a live person, I was given a phone number for Experian --- the same number I called before -- and assured that there was a dispute option. I called again -- NO Option. I really feel that they are trying to get money from me before they will allow me to file a dispute -- which is against the law. I am totally disgusted with Experian and would never pay for their services or recommend them to anyone. They do not provide equal access -- not everyone has a computer!

I just want to let the world know that Experience credit Burea is the most corrubted Public Reporting Agency in the world. They have the most illiterate staff in the world. I have been trying to correct simple human error they created on my credit Burea file for 2 years.

Regards,

Boyah Warsame

Reading your compliant gives makes me happy to know I am not the only one with the problem and chills for what is to come. I can't figure out how to call this company to cancel. No where in their website do they tell you where to call them for cancellation.

same with me,
first they said its free but every time they are charging me 14.6 without any reason. this time aslo it showed in my credit card transaction.
who will help in this matter?

I am seeing the same charge appear on my bank account. I tried the same approach, called my bank and they could not tell me anything about it. Apart from closing the account I can't imagine any other solution.

If you see this... CIC*Triple Advantage , [protected] , CA
You may be screwed. I did a dispute with my credit card and they still continue to charge me I am also getting a charge every month from MNI*CREDITRPT SERVICES, [protected] , CA for 11.95 I bel. this to also be www.freecreditreport.com

I did as you said and emailed all of those email addresses with a letter stating my problem, the next day I got a reply saying $99.50 will be put back onto my credit card. Thank you so much for this info, the company seems like they are pretty prompt about issuing refunds.

I too was being billed by them. I called them up and told them to cancel this account because I've been locked out of it for 3 mos. She told me that I REINSTATED my account in January 2007. I wasn't even in the country at that time! They gave me a 2 mos credit (even though I was entitled to more) and cancelled it. I am going to contact the BBB because this is suppose to be a credit monitoring service, how they going to try and mess up your credit!

As a former employee of Experian it gets worse most people don't know that much of their credit data is now being off shored in Chile. And Experian marketing department that sells marketing lists which includes your SSN, Date of Birth, Income, real estate and childrens information is now being off-shored and handled in Costa Rica!

I have tried unsuccessfully to cancel this unauthorized charge from my Chase credit card. Chase did refund me 3 months worth as a "courtesy" but after contacting the 800 # twice now to cancel, the charge remains on my statement.

I think the only way to get out of it is to cancel the card!

I went online to find out how to get my credit report cleaned up and was sent directly to this bogus company where they proceeded to take $29.95 dollars from my checking account when I called to question the charges their "refund dept." refused to issue the appropriate credit to my account, in essence I've been scammed out of my hard earned money-to say I'm upset is an understatement. Where can I go to get my money back; why are they so conveniently positioned right next to your business: how can these low down sob's be stopped in the future and how may I help to do so?

What have you done to stop this since it must have a negative impact on your business? jwbbr-Joseph B.

The price is now 14.95 and the phone number they include in the credit card charge reference doesn't connect to anything. Not an automated service, not a human, NOTHING.

I guess I got lucky just discovered that they had been taking 12.95 dollars from me for last 3 months.
I put a call in to my financial institution. Had them cancel my Credit card. And they said the would file a complaint for me to try and get my money back. But I had no idea they were signing me up for a service I did not want. I hope they not only get my money back but anyone else who banks with them as well.

I have some accounts on my credit report that i now is wrong and i need to get them remove. They are ADBA for $120 dollars, DELTA FINANCIAL for $50 and $588 dollars and RMA/NATIONAL for $247 dollars. I know that i didn't deal with any of these people. I don't even know what they are for. Thank you Lawrence J Christian Jr.

Thank you so much for this! this company is despicable; their business practices are deplorable. I can't believe they've gotten away with so much for so long!

Credit report I have things on all 3 bureaus over 13 years what can I do

I'm have been waiting for this to get taken care of and nothing has been done. The charges are still on my card and I want them removed! I have emailed customer service several time and haven't heard anything ? So I'm wondering if this is a scam

EXPERIAN *CREDITREP
535 Anton Blvd, CA 92629
[protected]
39.98

And this is the company

I have had a very good experience purchasing my credit score form them. Transunion was not as user-friendly but is also good.