ExperianReviews 144

This company should be investigated for fraud. Highly bizarre and unprofessional.
No comparison to other credit bureaus.

I check my credit report everyday, using EXPERIAN, this morning I woke up to my credit score has dropped with CHASE BANK CREDIT JOURNEY, who also uses EXPERIAN, When looking at my report, I see a discrepancy with one of my credit cards, so of course I called my bank, which is not responsible for what is on my report, then I called the credit card company, who cannot see the discrepancy, but know that it's wrong, and is mailing me proof. This report on my credit, has already damaged my credit, I went on EXPERIAN WEBSITE, to file a dispute, but of course, they are having TECHNICAL DIFFICULTIES, Then I called EXPERIAN after several tries, I got a live person, JOSEPH or YOSEF, who is RUDE, and would not let me speak with a SUPERVISOR. I really HATE that this company has gone downhill.

My attorneys and I have requested over eight times to remove Westgate, a company fraudulently reporting to my credit history. The other two bureaus removed it right away, but Experian refused. This negative credit reporting violates the Fair Credit Reporting Act (FCRA). Moreover, The Fair Credit Reporting Act (15 USC §1681), in conjunction with The Fair Credit Billing Act (15 USC § 1601), states that when the alleged debt is in dispute and the debtor is represented by an attorney, the creditor may not report the debt as delinquent.

There are two addresses that I need completely taken off my account because I never lived there and are my mother and grandmother account before age 18. I'm so angry at the credit bureau choosing to $#*! up my account by doing that. Also REMOVE THAT STUPID SPRINT COLLECTION IDIOTS!

I'm not all together certain how this situation came about, but unfortunately, I must report my dissatisfaction with this outfit.
While it's true, I have been diligently working on repairing my credit, I have no recollection of signing up with Experian. Furthermore, I am positive I never agreed to any pay services from the same. I already (as everyone does) can access any information relevant to my credit activity using services that do not ask for money and do not bombard my inbox with unsolicited emails.
For several months now, I have received multiple emails stating that Experian has attempted to deduct money from my PayPal account. As someone who has dedicated close to a year already to credit repair - I keep a low balance, I don't utilize credit, and I never, ever, purchase goods or services I can't afford. However, needing to make an online payment to my insurance company, I recently deposited funds to my PayPal account - of which Experian swiftly deducted $26.49 - an amount which rendered me unable to make the required payment to my insurance. This is assisting people with finances? I think not.
In attempt to remove myself from Experian's "customer list" (aka email harassment list) I made my way to their website, where I was greeted with a "past-due bill." The only way I could navigate the site and file my grievance was - you guessed it - pay that bill.
I don't use any of these services provided by Experian whatsoever. I feel their business practices are AT BEST under-handed. Tricking hard-working people into some type of membership they can't afford, and subsequently requiring payment to voice their dissatisfaction is precisely what has led me to post this review.

I do not recommend any dealings with this outfit whatsoever. I believe they provide nothing for free and choose to conduct business in a way that's nothing short of manipulative, exploitive, and in direct contrast to what they advertise.

Proceed warned.

Do not answer the concerns raised.
Staff refuse to escalate issues to the senior management to cover up their inaccurate and unprofessional conduct

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 just curious, my score changes randomly for no reason, it's gone down 25 points in the past few weeks for absolutely no reason, it doesn't make any sense, at this moment, all of my accounts are paid off except for our mortgage, so what the hell is the reason for my score going down 25 points! Not too long ago my Experian score was 809! Now it's down to 764! Absolutely nothing has changed, I pay off my bills in full every single month, what the heck is going on here! This whole subscription thing looks like a scam, there's no logic to it, the only thing they seem to excel at is pushing credit cards, I get emails almost every day pushing for me to apply for more credit cards, and I especially love the unsolicited ads from them that they have picked out credit card offers especially for me, Is that what we're paying for? I thought I was paying for a service to monitor my credit in my Fico score, but it seems the only way they can make money is to push credit cards, which by the way if I applied for all of these credit cards my Fico score would probably be 500, something is very very wrong with this "paid" service, seems like it's time for the government to get involved and take a look at these people!

Just because I needed to put a freeze on my credit back in May 2018 is NOT. A valid reason for Experian to ssd's ign me up for membership and charge me $21.95 per month for membership that I never authorized. I didn't approve the membership or the $21.95 monthly fee. Pretty odd that after nearly two years this just now shows up as a monthly payment on my card. Not cool Experian

Not only is there a score always far lower than the other two credit reporting agencies that they try to sell you a whole lot more stuff than the others do as well and Boost is nothing but a scam. Can't even log into the website that sends me the username and then I put in the username they just sent me and it says it doesn't recognize it so bad just so bad go out of business if you have any decency at all experian!

Someone stole my deceased mother's identity and I was trying to report the identity theft to the 3 major credit bureaus. Experian is by far the worst of the 3. The website is completely useless and helpless and the automated service on their hotline is worst automation I've ever encountered in my life. Having the line ring without any answer would have been 1,000,000x better and more useful. I would avoid Experian if at all possible.

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.

One of the worst customer experiences that I have ever had. It is impossible to speak to a human by pressing "0" or asking for an operator. They ask for your SSN# and I had a simple request to "unfreeze" my account. They texted me a code to confirm my identity. I entered the code and... five minutes of bad parlor jazz. I assumed I was moving to the next step, but apparently it just never registered the numbers I hit. At no point during this five minutes did a voice come in and interrupt to say, "I'm sorry, we didn't get that." Or to repeat the instructions. The artificial intelligence they have is blindingly dumb, which is no surprise coming from a company who is basically in the armpit of late capitalism. The reason I "froze" my credit in the first place was due to a massive data breach. Just goes to show how companies with a captive market can abuse consumers without recourse. Experian sucks.

Experian is another bully company that tries to dictate and define life by imaginary numbers. FALSE.

This the worst company I have seen in my entire life.
Zero customer service.
I needed to call my bank to stop the automatic payments after one month trying to cancel my account with Experian unsuccessfully. I paid off one collector debt and it was still in their system 5 months after, even though they sent the information immediately after my payment.
Absolutely insane.
Stay away from that disastrous company.

So, I've had Experian for over six years and although they're expensive and offer little in return I've kept them. So a few nights ago I received an email stating that I've downgraded my account back to it being free, which I never did, by the way. I spoke with a representative an advised her that in no way I terminated my premium account. So long story short, my account was reinstated and I had to pay for the upcoming month, even though I was 15 days away from getting my 30 day refresh. Fast forward to today and I decide to check my credit. It had me at a refresh at 90 days. So of course, I called and was told that the previous representative had placed my on the 90 day refresh. I stated that I had asked to have my membership placed back to where it was initially. The representative sounded Indian, as the previous one, so I had to repeat everything several times with her responding to me in a phony, workshop dialect, which I'm sure this is how they're taught on how to handle western customers. So my initial thoughts were correct. Experian themselves terminated my membership and when I had my initial membership reinstated I saw where they went up $3 a month. Don't get me wrong, I think they're expensive as is for what you get. I, can respect a company that will tell their customers at face value that they're increasing their prices instead of sending them emails saying that the customers did it only to sell them their previous membership at an increase. I thought seriously about just going with one of their competitors at the same price or a few dollars more to prove a point. This is NOT customer service.