Business Profile

Credit Reporting Agencies

Experian

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Complaints

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

Customer Complaints Summary

15,074 total complaints in the last 3 years.
5,572 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:07/16/2025
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.
This account was charged off on the following date ( December 2023) after it was charged off the account was repeatedly updated as charged off every month. This indicates an update in the payment history. A charged off account SHOULD NOT include an active payment history. This inaccurate reporting falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect in doing so has violated my rights under the ****. I am demanding a deletion of the following account.******* Bank : 546316690534****Proof of address attatched.
Customer Answer
Date: 07/17/2025
This serves as a written confirmation of this complaint. I would like the consumer to update my credit file accordingly to remove false / negative reporting as required per my rights
Customer Answer
Date: 07/18/2025
I would like the agency to investigate the following for accuracy and validation. I have firm belief that most of these accounts are in violation of my rights and have reason to be properly investigated and reported on my credit report.
******* bank: 546316690534****
cBW: 8266****
Bank of America :42**
oportun/progresso finance: 57902**
jefferson capital systems : 388979****
Uplift : 826602XX
Possible financial: 74WXY4N2WTTQZ7TRE5E4N****

Business Response
Date: 07/23/2025
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:07/16/2025
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.
Please Remove Hard Inquiries I do not recognize where they came ********* FEDERAL CREDIT 06-04-2025 DISCOVERC 07-09-2025
Customer Answer
Date: 07/17/2025
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.
Customer Answer
Date: 07/29/2025

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:07/16/2025
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.
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.If you cannot fully verify and certify that this account and all of the information attached to it is 100% accurate and legitimately tied to me, then you are obligated to delete the entire account from my ********************** report immediately.Let me be very clear: Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you cannot produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act (FCRA).Please consider this a formal dispute. I am requesting:1. Full certification and documentation that every detail of this account belongs to me,2. Or, if full verification is not possible, complete deletion of the account from my ********************** file,3. Written confirmation of your findings and action taken,4. A copy of my updated credit report once the correction or deletion has been completed.This is not optional this is my legal right to accurate reporting. I expect you to handle this matter seriously and without delay.
Customer Answer
Date: 07/18/2025
I am writing to formally confirm my identity and to clarify that I am personally initiating and submitting this dispute regarding inaccuracies reflected in my credit report. I am not using, nor have I authorized, any third-party company, individual, or credit repair service to act on my behalf in this matter. All communications, documentation, and actions related to this dispute are being handled directly by me. I understand the importance of maintaining accurate credit information and am committed to ensuring the integrity of my personal credit file. The discrepancies I am disputing are based on my own review and understanding of my credit report. I have included supporting documentation, where applicable, to facilitate the review and resolution of these issues. Please process this dispute as submitted by me directly. Thank you for your attention to this matter and your assistance in maintaining the accuracy and fairness of the credit reporting process.

Sincerely,
**** ******
08/06/1958
***********
************************************************************************************
07/17/2025

Business Response
Date: 07/23/2025
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:07/16/2025
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.
I recently reviewed a copy of my credit report and was shocked to find that I had been the victim of Identity theft. I do not recognize this account. Please remove it from my credit report. It is hurting my ability to obtain credit.
Customer Answer
Date: 07/17/2025
I authorize 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:07/16/2025
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 recently disputed an kikoff account on my ********************** report more than one but yet it keeps coming back verified. I have two late payments on an account was in fact paid on time. . The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached a copy of my Experian and ********** report to this complaint on the following dates (February 2025 and April 2025.) ********** is reporting the same dates but with different misleading information. All data from the furnish must match across all credit bureaus. I demand this payments be updated to paid on time immediately . You cannot report information knowing this information has discrepancies. I have strong doubts about the accuracy f the information . Please update to PAID NEVER LATE
Customer Answer
Date: 07/17/2025
I approve
Business Response
Date: 07/23/2025
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: 07/23/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is nothing but a stall tactic
Regards,

Jaharvis *******
Initial Complaint
Date:07/16/2025
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 have formally disputed multiple charged-off accounts with all three major credit bureaus several times. Each time, Ive clearly and lawfully requested proper verification under the Fair Credit Reporting Act, including the original signed contract (wet signature), full itemized payment history, chain of custody if the debt was sold, and the name of the party who verified the information.Instead of receiving actual documentation, I continue to get generic responses that the accounts were verified or updated, without any proof. No bureau or furnisher has provided a single document I requested. This violates 15 U.S.C. 1681i and 1681s-2(b).I have already submitted complaints to the **** BBB, and previous CFPB filings, because despite my repeated, reasonable, and lawful efforts, Im not receiving the verification Im entitled to. Im now questioning whether these agencies, especially the BBB, are even helping, considering how many times Ive disputed. These unverifiable accounts should be removed as errors under the law. Since no legal documents that I ask to be provided was provided.
Customer Answer
Date: 07/17/2025
Yes, I personally submitted the complaints to Experian regarding the charge-off accounts currently being reported on my credit profile.

These complaints were made after multiple failed attempts to obtain proper verification and documentation of the alleged debts from Experian. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Experian has continued to report these charge-offs without providing adequate proof of the original creditors documentation, contractual agreement, or itemized statements validating the debt.

I submitted the complaints in good faith, in accordance with my consumer rights, and after following proper dispute procedures. I also followed up with additional reports through the ************************************ (****) and the ************************ (***) due to the lack of transparency and failure to properly investigate or respond with legally sufficient validation.

This is not an attempt to avoid responsibility, but a legitimate effort to ensure the information being reported about me is fully accurate and lawfully verified nothing more, nothing less.

Thank you for the opportunity to respond and clarify.
Business Response
Date: 07/23/2025
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: 07/25/2025

Better Business Bureau:
This response is unacceptable and evasive. I did not file this complaint with the BBB as a substitute for submitting a dispute through ******** portal. I am fully aware of how to submit disputes directly. The issue here is Equifaxs pattern of non-compliance, and thats what this BBB complaint is addressing.

Despite multiple formal disputes submitted through ******** official channels, including mailed disputes with full documentation, Equifax continues to verify inaccurate or incomplete information without proper investigation, which is a direct violation of the Fair Credit Reporting Act (FCRA), Section 611.

Additionally, Equifax has:
        Failed to provide method of verification upon request.
        Ignored evidence provided in disputes.
        Repeatedly marked items as updated without correcting or deleting false information.

This complaint is not just about a dispute its about Equifaxs failure to follow federal law and proper procedures, and its continued refusal to comply even when challenged through formal and regulatory channels.

I am requesting the BBB continue this complaint due to Equifaxs willful non-compliance, and that Equifax be held accountable for their failure to investigate and respond as required by law. I am also submitting complaints with the **** and *** regarding these ongoing violations.

Regards,

Kquran ********
Initial Complaint
Date:07/16/2025
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.
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.If you cannot fully verify and certify that this account and all of the information attached to it is 100% accurate and legitimately tied to me, then you are obligated to delete the entire account from my ********************** report immediately.Let me be very clear: Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you cannot produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act (FCRA).Please consider this a formal dispute. I am requesting:1. Full certification and documentation that every detail of this account belongs to me,2. Or, if full verification is not possible, complete deletion of the account from my ********************** file,3. Written confirmation of your findings and action taken,4. A copy of my updated credit report once the correction or deletion has been completed.This is not optional this is my legal right to accurate reporting. I expect you to handle this matter seriously and without delay.
Customer Answer
Date: 07/18/2025
I am writing to formally confirm my identity and to clarify that I am personally initiating and submitting this dispute regarding inaccuracies reflected in my credit report. I am not using, nor have I authorized, any third-party company, individual, or credit repair service to act on my behalf in this matter. All communications, documentation, and actions related to this dispute are being handled directly by me. I understand the importance of maintaining accurate credit information and am committed to ensuring the integrity of my personal credit file. The discrepancies I am disputing are based on my own review and understanding of my credit report. I have included supporting documentation, where applicable, to facilitate the review and resolution of these issues. Please process this dispute as submitted by me directly. Thank you for your attention to this matter and your assistance in maintaining the accuracy and fairness of the credit reporting process.

Sincerely,
******** ****** *******
09/09/1972
***********
************************************************************************
07/17/2025

Business Response
Date: 07/23/2025
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:07/16/2025
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.
I recently reviewed my credit report and found several derogatory collection accounts that I do not recognize and never authorized. After further investigation, I identified the following accounts reporting inaccurately:Portfolio ******************* (Account #************ / Original Creditor: Synchrony Bank)**Portfolio Recovery Associates (Account #************ / Original Creditor: ************* Delaware)**Midland Credit Management (Account #******* / Original Creditor: Credit ******** N.A.)**These accounts are being reported as Collection/Chargeoff with balances ranging from $1,677 to $2,277. I have no knowledge or affiliation with these accounts, nor did I authorize or initiate any transactions related to them.I have already completed and submitted an FTC Identity Theft Report, in which I formally declared these accounts as fraudulent. These accounts were opened without my knowledge or consent and are the result of identity theft.Despite initiating disputes and providing evidence, the information continues to be reported as valid. This is damaging my credit and causing unnecessary stress and harm.I am requesting that the respective companies involved cease all collection activity and reporting to the credit bureaus, and permanently delete these fraudulent accounts from my ********************** report. This situation is urgent and legally protected under the Fair Credit Reporting Act (FCRA) and Identity Theft enforcement laws.Please resolve this immediately.
Customer Answer
Date: 07/16/2025
I authorized this complaint.
Business Response
Date: 07/23/2025
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:07/16/2025
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.
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.If you cannot fully verify and certify that this account and all of the information attached to it is 100% accurate and legitimately tied to me, then you are obligated to delete the entire account from my ********************** report immediately.Let me be very clear: Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you cannot produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act (FCRA).Please consider this a formal dispute. I am requesting:1. Full certification and documentation that every detail of this account belongs to me,2. Or, if full verification is not possible, complete deletion of the account from my ********************** file,3. Written confirmation of your findings and action taken,4. A copy of my updated credit report once the correction or deletion has been completed.This is not optional this is my legal right to accurate reporting. I expect you to handle this matter seriously and without delay.
Customer Answer
Date: 07/18/2025
I am writing to formally confirm my identity and to clarify that I am personally initiating and submitting this dispute regarding inaccuracies reflected in my credit report. I am not using, nor have I authorized, any third-party company, individual, or credit repair service to act on my behalf in this matter. All communications, documentation, and actions related to this dispute are being handled directly by me. I understand the importance of maintaining accurate credit information and am committed to ensuring the integrity of my personal credit file. The discrepancies I am disputing are based on my own review and understanding of my credit report. I have included supporting documentation, where applicable, to facilitate the review and resolution of these issues. Please process this dispute as submitted by me directly. Thank you for your attention to this matter and your assistance in maintaining the accuracy and fairness of the credit reporting process.

Sincerely,
****** ******* Jr.
11/05/1965
***********
*****************************************************
07/17/2025

Business Response
Date: 07/23/2025
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:07/16/2025
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.
To Whom It May Concern,I am submitting this formal complaint to dispute inaccurate and misleading information currently being reported by Experian on my credit report. These errors are unfairly lowering my credit score and are causing serious financial hardship.The information in question does not appear to be accurate or verifiable, and its presence violates my rights under the Fair Credit Reporting Act (FCRA), which requires that all data furnished in a credit report be complete, accurate, and up to date.I am requesting that Experian immediately conduct a thorough reinvestigation of the disputed entries. Any information that cannot be fully verified as accurate and directly related to me must be corrected or removed from my report without delay.This matter requires urgent attention, as the continued reporting of inaccurate data is harming my financial standing and personal stability. I request written confirmation once the investigation is complete and the necessary corrections have been made.
Customer Answer
Date: 07/17/2025
To Whom It May Concern,

My name is *********** ********, and this message serves as confirmation that I have authorized the submission of this complaint to the Better Business Bureau (BBB) on my behalf. This complaint is valid and not sent in error. I am requesting BBBs assistance in addressing fraudulent and unauthorized inquiries appearing on my credit report.

Please find the details of my original complaint and supporting documentation attached.

Thank you for your attention and support.

Sincerely,
*********** ********
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.

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