Complaints

This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Experian

  475 Anton Blvd Costa Mesa, CA 92626

• 

  Experian

  PO Box 14108 Orange, CA 92863

• 

  Experian Credit Report

  PO Box 2390 Allen, TX 75013

• 

  Experian

  PO Box 919 Allen, TX 75013-0919

• 

  Experian

  800 N Magnolia Ave #200 Orlando, FL 32803

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/22/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to contact experian. I have a paid membership plan, and can't notify them of fraud on my credit report. I am asking the bbb to send experian the attachments below since I can not reach them by phone.

  Customer Answer

  Date: 07/22/2025

  This is Written confirmation that I authorized the submission of this complaint and that I am requesting assistance from BBB with A detailed description of your own particular concerns and/or interaction with this business which Is they have not been answering the phone to place a fraud dispute and theres no way to do it online.

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

  Customer Answer

  Date: 07/25/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ******* *****
  
   
  

• Initial Complaint

  Date:07/21/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They violated consumer laws and metro 2 compliance. Demand deletion for breaking the law.

  Customer Answer

  Date: 07/22/2025

  Yes I submit this complaint 

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  As a consumer my rights were violated under 15 u.s.c and I need this item removed and blocked from my credit report now. account number ********, date opened 04-15-2025 amount owed $1,782

  Customer Answer

  Date: 07/22/2025

  I consent

  Business Response

  Date: 07/31/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel.
  
  If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods:
  
  Online: Visit the secure dispute portal at ****************************************************************
  Phone: Call the number listed on your Experian personal credit report
  Mail: Write to P.O. Box ********************
  When submitting a dispute, be sure to include: The account name and number of the item being disputed
  A clear explanation of why the information is believed to be inaccurate
  
  Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

  Customer Answer

  Date: 08/01/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ******* ******
  
   
  

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please remove inquiries from my credit report I don't have any recollection of these inquiries.COMENITYCB/ULTA MC 07/2025 CAP ONE NA 04/2025

  Customer Answer

  Date: 07/22/2025

  Yes I authorized this complaint

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please remove the hard inquiries from July 21st and ********* ****** ***** (two hard inquiries), ***************, and US Bank, and Credit ********* These were all on July 21, 2025. I also see some inquires from **********. I did not authorize those either and are not sure what those are from. I see hard inquiries on there from June 27, 2025, September 17, 2024, and March 20, 2024. Thank you for your help!

  Customer Answer

  Date: 07/21/2025

  I confirm I submitted this. 

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  o Whom It May Concern,I am filing a formal complaint against Experian regarding an unresolved issue with a credit freeze I previously placed on my file after my Social Security number was compromised.Several months ago, I proactively froze my credit with all three major credit bureausExperian, **********, and Equifaxfor security reasons. Recently, I needed to unfreeze my credit in order to secure financing for a vehicle purchase. While ********** and Equifax made the process seamless (via a simple phone call), Experian has been extraordinarily difficult and uncooperative.Experians website clearly states that a freeze can be lifted either online or by phone. I have attempted both methods for three consecutive days without success. The online system repeatedly fails, displaying an Oops, were unable to process your request at this time or "We can't confirm your identity" error every time I attempt to create an account or log in. (even though they have the correct information) Meanwhile, their phone system is entirely automated and does not provide any way to speak with a live person. It leads you in circles without ever resolving the ******** one point, the system directed me to create an online account in order to manage my credit freeze. Unfortunately, this has also proven impossible due to persistent errors. As a result, Ive been unable to unfreeze my credit, which is now delaying my car purchase and causing significant stress and inconvenience.This has been by far the most frustrating experience Ive had with any credit bureau. In ***** contrast, TransUnion and Equifax handled the process quickly and efficiently. Experian, however, has created unnecessary barriers and offered no human support or workable alternatives.I sincerely hope I never have to deal with Experian again, and I urge the BBB to investigate this matter and help hold Experian accountable for their failure to provide basic consumer services.Sincerely,****** ******

  Customer Answer

  Date: 07/21/2025

  I authorize this submission, but please keep my personal information such as my name, address and phone number from public view. I only authorize Experian that information. 
   I am filing a formal complaint against Experian regarding an unresolved issue with a credit freeze I previously placed on my file after my Social Security number was compromised. Several months ago, I proactively froze my credit with all three major credit bureausExperian, **********, and Equifaxfor security reasons. Recently, I needed to unfreeze my credit in order to secure financing for a vehicle purchase. While ********** and Equifax made the process seamless (via a simple phone call), Experian has been extraordinarily difficult and uncooperative. Experians website clearly states that a freeze can be lifted either online or by phone. I have attempted both methods for three consecutive days without success. The online system repeatedly fails, displaying an Oops, were unable to process your request at this time or "We can't confirm your identity" error every time I attempt to create an account or log in. (even though they have the correct information) Meanwhile, their phone system is entirely automated and does not provide any way to speak with a live person. It leads you in circles without ever resolving the issue. At one point, the system directed me to create an online account in order to manage my credit freeze. Unfortunately, this has also proven impossible due to persistent errors. As a result, Ive been unable to unfreeze my credit, which is now delaying my car purchase and causing significant stress and inconvenience. This has been by far the most frustrating experience Ive had with any credit bureau. In ***** contrast, TransUnion and Equifax handled the process quickly and efficiently. Experian, however, has created unnecessary barriers and offered no human support or workable alternatives. I sincerely hope I never have to deal with Experian again

  Business Response

  Date: 07/24/2025

  Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.
  
  We apologize for any inconvenience Ms. ****** experienced in her previous contact with Experian.
  
  Upon careful research, our records indicate that Ms. ************************ permanently removed her Security Freeze on her Experian credit report on July 22, 2025,via mail. A confirmation letter was mailed directly to her at that time.
  
  Experian strives to achieve a high level of customer service for all the consumers they assist.  Let me assure you that Experian takes its commitment to efficient, expeditious service seriously.  Thank you for allowing me to assist you.  Please contact our office if you have any questions.
  
  Sincerely,
  
  *** *******
  Senior Regulatory Affairs Associate
  Experian Consumer Affairs
  ************
  

  Customer Answer

  Date: 07/25/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ****** ******
  
   
  

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing this complaint against Experian for reinserting a fraudulent Chrysler Capital/Santander auto loan account on my ********************** report after it was previously removed in January and February 2025 due to a valid identity theft claim.Experian did not provide the required written notice of reinsertion under FCRA 611(a)(5)(B). This violates federal law and denied me the opportunity to challenge the account again before it was re-added.The account is now being reported with false and conflicting information, including: A balance of $21,303 Status marked Closed but still showing charge-offs monthly through ******** No proof that this account is valid, authorized, or accurate Meanwhile, ******* no longer reports this account, and *********** reporting is inconsistent, indicating further unreliability. I have no knowledge of this loan, never authorized it, and submitted a complete FTC Identity Theft Report, government ID, and supporting proof of address.This is my third formal dispute with Experian, and they continue to ignore their responsibility under FCRA 605B to permanently block identity theft-related accounts from reinsertion.I am requesting that Experian:1.Permanently delete this account ************* block it from future reinsertion 3.Provide proof of any verification they relied on Experians failure to act is harming my credit and violating my consumer rights.

  Customer Answer

  Date: 07/21/2025

  Yes I did authorize and file this complaint 

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

  Customer Answer

  Date: 07/24/2025

  Thank you for your response. I am fully aware of Experians dispute channels and have used them. In fact, I submitted multiple disputes directly through Experians system, along with an FTC Identity Theft Report and supporting documentation.
  
  
  This BBB complaint is not a first-time dispute it is a consumer complaint regarding Experians failure to comply with the Fair Credit Reporting Act (FCRA) after repeated disputes were made through their official channels. I am asking Experian to be held accountable for:
  
  
  Re-inserting a previously deleted identity theft account without proper notice under FCRA 611(a)(5)(B)
  Failing to permanently block the Chrysler Capital/Santander account after a valid identity theft report under FCRA 605B
  
  
  
  
  This complaint is about non-compliance and harm caused after Experians dispute process has already failed, not a new dispute request. I am requesting that this remain on Experians record and for the BBB to note the companys unwillingness to address the matter in good faith through this platform.
  
  

  Business Response

  Date: 07/30/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel.
  
  If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods:
  
  Online: Visit the secure dispute portal at ****************************************************************
  Phone: Call the number listed on your Experian personal credit report
  Mail: Write to P.O. Box ********************
  When submitting a dispute, be sure to include: The account name and number of the item being disputed
  A clear explanation of why the information is believed to be inaccurate
  
  Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.
  

  Customer Answer

  Date: 07/31/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  Whitley White
  
   
  

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Upon reviewing my credit report, I noticed several inaccuracies associated with a charge-off account that is negatively impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of this information, as required under the Fair Credit Reporting Act (15 U.S.C. 1681). Please provide all documentation used to verify this account. If the ********************** cannot be verified, I ask that the charge-off be removed from my credit report.

  Customer Answer

  Date: 07/21/2025

  Good afternoon, 

  Yes, I - ***** A. ******** - authorized this complaint. 

  Experian is reporting a charge-off account I believe is inaccurate, and they haven't provided sufficient documentation to verify its accuracy, as required by law. I'm concerned they may have failed to properly validate the account details before including it in my credit report.

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel.
  
  If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods:
  
  Online: Visit the secure dispute portal at ****************************************************************
  Phone: Call the number listed on your Experian personal credit report
  Mail: Write to P.O. Box ********************
  When submitting a dispute, be sure to include: The account name and number of the item being disputed
  A clear explanation of why the information is believed to be inaccurate
  
  Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

• Initial Complaint

  Date:07/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i reviewed my credit report recently and noticed i been a victim of identity theft, i do not recognize these accounts please delete these accounts its hurting my ability to obtain credit CREDENCE RESOURCE MANAGE ******XXX *********************/94 ******XX

  Customer Answer

  Date: 07/21/2025

  Yes I do authorize this complaint 

  Business Response

  Date: 07/31/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel.
  
  If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods:
  
  Online: Visit the secure dispute portal at ****************************************************************
  Phone: Call the number listed on your Experian personal credit report
  Mail: Write to P.O. Box ********************
  When submitting a dispute, be sure to include: The account name and number of the item being disputed
  A clear explanation of why the information is believed to be inaccurate
  
  Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.

  Customer Answer

  Date: 08/01/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  Chance Henley
  
   
  

• Initial Complaint

  Date:07/20/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft this account does not belong to me. Please remove this from my credit report this is hurting my ability to obtain credit.

  Customer Answer

  Date: 07/21/2025

  I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft this account does not belong to me. Please remove this from my credit report this is hurting my ability to obtain credit.

  Business Response

  Date: 07/24/2025

  Please note that this is not the appropriate channel for submitting disputes regarding credit report information. While we appreciate your inquiry, we are unable to accept this dispute as an actionable request through this channel. If you believe that any information in your personal credit report is inaccurate or incomplete, you must contact Experian directly through one of the following official methods: Online: Visit the secure dispute portal at **************************************************************** Phone: Call the number listed on your Experian personal credit report Mail: Write to P.O. Box 9701/*************** When submitting a dispute, be sure to include: The account name and number of the item being disputed A clear explanation of why the information is believed to be inaccurate Under the federal Fair Credit Reporting Act (FCRA), Experian is required to reinvestigate disputed information free of charge. The dispute process may take up to 30 days (or 45 days if the dispute involves your annual free credit report). Once the investigation is complete, Experian will notify you of the outcome. For your protection and to ensure proper handling, please use only the official channels listed above to submit any disputes.