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Business Profile

Credit Reporting Agencies

Experian Consumer Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

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

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Experian Consumer Services has 28 locations, listed below.

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    Customer Complaints Summary

    • 942 total complaints in the last 3 years.
    • 381 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/09/2025

      Type:Customer Service 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.
      Date of Incident: Monday, September 8, 2025 Time of Call: 4:15 pm PDT Phone Used: ************** Representative Name (as given): ******* September 8, 2025 at approximately 4:15 pm PDT, I called Experian from my phone number **************. I reached a customer ********************** representative who identified himself as Alexi.Over the course of a 29-minute call, this representative engaged in behavior that I consider harassing and obstructive. Specifically:Refusal to escalate: I requested to speak with a supervisor more than 20 times. Each time, Alexi refused to escalate the call.Stalling tactics: After more than 20 minutes, Alexi placed me on hold, claiming to be contacting a supervisor, but never connected me to one.Demand for full Social Security number: Alexi insisted I provide my entire SSN, which I declined, since this was unnecessary for my request and heightened my privacy concerns.Misrepresentation: Alexi falsely stated that I could not speak to a supervisor or to a U.S.-based representative.Disputing facts: Alexi even disputed how long I had been on the phone, apparently aware that keeping the call under a certain duration might protect him from internal consequences.This conduct was unprofessional, misleading, and coercive. It placed my personal information at risk and denied me the ability to escalate my issue appropriately.A formal review of the call recording and logs from September 8, 2025 at 4:15 pm PDT from phone number **************.A written response from Experian, including a case number and details of corrective actions taken.Assurance that Experian customer ********************** agents will not demand disclosure of a full SSN by phone beyond what is minimally necessary to authenticate.Assurance that call escalation requests are honored promptly and without obstruction.A confirmation that this type of misconduct will be addressed internally.A refund. I will not pay Experian to put me in the position of having to tolerate this experience.

      Customer Answer

      Date: 09/09/2025

      Hello,I am authorizing my complaint and clarifying this is my complaint I want submitted thank you 

      Business Response

      Date: 09/19/2025

      Thank you for writing and expressing your concern regarding your membership with Experian(R)IdentityWorksSM. Our records indicate that you enrolled with IdentityWorksSM on June 12, 2025. Customer satisfaction is our priority. As a courtesy, we issued a refund of $49.98 on September 19, 2025. Please allow 3 - 5 business days for these funds to process in your credit card account. Let us assure you, the statements made to you by our representative are not in accordance with our policies. We will be addressing these allegations directly with the representative and will take the appropriate steps to prevent a reoccurrence of events. We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers as you that we are able to improve our products and memberships. We hope the above information is helpful to you in considering this matter.

      Customer Answer

      Date: 09/19/2025


      Better Business Bureau:

      Although 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 want to reiterate the issue of off shore customer ********************** **** lying to customers. ************************************************ as an industry which creates access to all of the most pertinent personal information and if these off shore **** are lying about anything, then they are potentially acting in other criminal activities as well. This is putting Experian on notice that they are responsible for letting untrustworthy people in close proximity to all of personal information and that is dangerous to anyone paying for this service. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ******* *****

       
    • Initial Complaint

      Date:09/03/2025

      Type:Product 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.
      Today, 09/03/2025, Experian stole $24.99 from my account under the guise of providing access to all 3 creidt bureaus. I was supposed to be provided with a FREE 7 day trial. I was not able to see all 3 of my credit scores until today! Experian provided NO confirmation of my sign up and NO purchase receipt! I also reached out to them multiple times to try to cancel my account only for the wait time to be so ridiculously long, I just have to hang up. I want my MONEY BACK

      Customer Answer

      Date: 09/03/2025

      This company has agreed to process my refund at this time.

      Business Response

      Date: 09/09/2025

      Thank you for writing and expressing your concern regarding your membership with Experian(R)CreditWorksSM.

      Our records indicate that you enrolled with CreditWorksSM Premium on August 26, 2025. Per your request, your paid benefits will cease, effective October 3, 2025.  You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you.

      Customer satisfaction is our priority. As a courtesy, we issued a refund of $24.99 on September 3, 2025. Please allow 3 - 5 business days for these funds to process in your credit card account.

      At this time, we would like to express our regret that your experience with Experian may not have met your expectations or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectations.

      Customer Answer

      Date: 09/09/2025


      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:09/01/2025

      Type:Product 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 can never get a copy of my credit report or file. I can never access my information online- its too many 3 rd party companies with access to my information and I can never access my account my phone number in the system is changing. Its difficult to request a security freeze pin. This company is the worse and I need assistance accessing my information.

      Customer Answer

      Date: 09/01/2025

      I am not able to get my report. I can not contact anyone over the phone. I asked to have this corrected- and no response. I need to be able to access my online information and have access to the services. 

      Business Response

      Date: 09/08/2025

      Thank you for the opportunity to address your concern regarding signing into the membership. After doing a detailed search with the information you provided, we were unable to locate an account in our system. To enroll, please visit **************************** and create a new membership. Please note there are several websites that offer similar products, and in many cases, customers often discover, after reviewing the emails or the web site where they enrolled,that the product is actually offered by a different company. Thank you for your understanding and cooperation. We hope the above information is helpful to you in considering this matter.
    • Initial Complaint

      Date:08/31/2025

      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.
      Starting in June 2025 I've been unable to unfreeze my credit with Experian. I have attempted to log in multiple times in multiple ways, including using my social security number and date of birth, and have been told by their automated systems that none of this matches their information and my credit report remains frozen. I have called, emailed, and written to their customer ********************** PO Box and have received no response for over two months. There is no obvious way to access a human being who can help verify my identity and resolve this problem. I've been able to successfully unfreeze my credit with Equifax and ********** with no issue.

      Customer Answer

      Date: 09/03/2025

      This is my written confirmation that I am authorized to submit this complaint as the complaint is about my personal experience with Experian. 
      I have two main concerns. The first is that Experian seems to have messed something up in my account. I cannot access my account despite trying to log in different ways including using my SSN and DOB as log in option. The error I received is that those credentials dont match their records. I also cannot log in using my ****** account or my phone number. One of these options should've worked,even if there was a typo in some of my information. 
      My second concern is there is no option to contact a person to help me resolve this problem. Their customer ********************** phone number never gets you to a person and just directs you back to the website and I have not received a response from writing to their PO box. Those are the only two options to contact customer ********************** on their website. I have also tried various email address,but only gotten error messages in response.
      I have attempted to communicate my concerns directly with Experian, but the problem is I cant get ahold of anyone to give me a response. My preferred outcome would be to talk with someone at Experian who can help me resolve my log in issues so I can get into my account and unlock my **********************. Having my credit permanently locked prevents me from many personal financial goals. This is my written confirmation that I am authorized to submit this complaint as the complaint is about my personal experience with Experian. 
      I have two main concerns. The first is that Experian seems to have messed something up in my account. I cannot access my account despite trying to log in different ways including using my SSN and DOB as log in option. The error I receive is that those cI also cannot log in using my ****** account or my phone number. One of these options should've worked, even if there was a typo in some of my information. 

      Business Response

      Date: 09/10/2025

      Thank you for writing and expressing your concern regarding your membership with Experian.

      Our records indicate that we received your mailed security freeze request on September 2, 2025, and temporarily removed your freeze starting September 4, 2025. 
      To confirm the resolution of your issue, our representative attempted to contact you by phone on September *******, but there was no answer.  Our representative left a detailed message with his contact information. If you are still in need of assistance, please contact our representative using the information provided by voicemail message.

      To assist with your membership concerns, we will need additional information. Please provide us with all of the following, along with a description of your request

      Copy of your Social Security number card
      Copy of your current drivers license or government-issued photo ID reflecting your current address
      Copy of a current utility bill or bank/insurance statement reflecting your current address

      Please fax the requested documents to:  **************
      ATTN:  Experian Consumer Affairs (Ref# *********)

      Or, you can mail to:
      Experian Consumer Affairs
      PO Box 2390
      ***************

      Our customers are very important to us and we look forward to hearing from you with the information requested above.  We apologize for any inconvenience.  Thank you for your understanding and cooperation.

    • Initial Complaint

      Date:08/31/2025

      Type:Service or Repair 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.
      Experian said they cancelled my paid membership and updated it to the basic free account, but they are still charging me for premium

      Customer Answer

      Date: 08/31/2025

      I had previously cancelled my paid membership. They are still charging me 

      Business Response

      Date: 09/08/2025

      Thank you for writing and expressing your concern regarding your membership with Experian(R)CreditWorksSM. Experian CreditWorksSM prides itself on providing an excellent customer experience and vigilantly strives to provide the highest standards of customer care and satisfaction. 

      Per your request, your paid benefits did cease, effective September 30, 2025. Customer satisfaction is our priority. As a courtesy, we issued a refund of $27.05 on September 3, 2025. You will continue to have access to your Experian(R) credit report and FICO(R) Score daily, at no charge to you. Please allow 3 - 5 business days for these funds to process in your credit card account.

      At this time, we would like to express our regret that your experience with Experian may not have met your expectations or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectations.
    • Initial Complaint

      Date:08/29/2025

      Type:Product 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 using Experian for years, but the way your website is designed it is easy to "accidently" click on the button that charges my credit card. I am on a tight budget and ended up paying for 2 months of Experian that I didn't want because I somehow clicked on the wrong button. Your buttons should not be RIGHT next to each other on the website! I was refunded one month (you are welcome to refund the other month if you want to). The charges were $26.96 for 7/15/25 and 8/15/25.

      Customer Answer

      Date: 08/31/2025

      I have been using Experian for years, but the way your website is designed it is easy to "accidently" click on the button that charges my credit card. I am on a tight budget and ended up paying for 2 months of Experian that I didn't want because I somehow clicked on the wrong button. Your buttons should not be RIGHT next to each other on the website!  Also, there is no way to remove the ****** pay credit card if I use ****** as my login. 

      I called in and Experian was able to refund one month, but not the other month. The charges were $26.96 for 7/15/25 and 8/15/25.

      Business Response

      Date: 09/08/2025

      Thank you for writing
      and expressing your concern regarding your membership with Experian(R)
      CreditWorksSM.

      Our
      records indicate that you enrolled with CreditWorksSM on July 6, 2025, followed by a
      request to cancel the membership on August
      21, 2025. Per your request, your paid benefits will cease, effective September 14, 2025. You will continue
      to have access to your Experian(R) credit report and FICO(R) Score once every
      30 days, at no charge to you.  

      Customer satisfaction is our priority. As a courtesy, we
      issued a refund of $26.94 on August 29, 2025. Please allow 3 - 5 business days
      for these funds to process in your credit card account.

      At this time, we would
      like to express our regret that your experience with Experian may not have met your expectations or our standard of
      excellence.  We strive for exceptional
      customer satisfaction and hope we have addressed your area of concern to your
      expectations.

      Customer Answer

      Date: 09/09/2025



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23817743, 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:08/28/2025

      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.
      Signed up for a trial of experian membership but it wont let me cancel because when logging in it says I must pay to login to cancel. Waited on hold a half hour to reach someone on their toll free and couldnt wait. I just want my membership cancelled this is a huge hassle.

      Customer Answer

      Date: 08/28/2025

      1.Written confirmation that you authorized the submission of this complaint and that you are requesting assistance from BBB.

      I am.

       


      A detailed description of your own particular concerns and/or interaction with this business.

      Im unable to cancel a paid membership through their website.


      Clarification as to if you have already attempted to dispute your credit concerns directly with this business.

       

      i have tried calling and emailing 

      Business Response

      Date: 09/01/2025

      Thank you for writing and expressing your concern regarding your membership with Experian(R)CreditWorksSM.

      Our records indicate that you enrolled with CreditWorksSM on August 3, 2025, followed by a request to cancel the membership on August 31, 2025.  Per your request, your paid benefits will cease, effective September 11, 2025.  You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you.

      At this time, we would like to express our regret that your experience with Experian may not have met your expectations or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectations.

      Customer Answer

      Date: 09/02/2025

      I wanted it cancelled right away you guys charged me again. Cancel it immediately and refund the charge. 

      Business Response

      Date: 09/04/2025

      Thank you for writing and expressing your concern regarding your membership with Experian(R) CreditWorksSM. Experian CreditWorksSM prides itself on providing an excellent customer experience and vigilantly strives to provide the highest standards of customer care and satisfaction. 

      We have, as a courtesy, issued a refund totaling $24.99 on September 4, 2025.  Please allow 3 - 5 business days for these funds to process to the credit card account.

      Our records indicate that you enrolled with CreditWorksSM on August ******, followed by a request to cancel the membership on August 31, 2025.  Per your request, your paid benefits will cease, effective September 4, 2025.  You will continue to have access to your Experian(R) credit report and FICO(R)Score once every 30 days, at no charge to you.

      At this time, we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.
    • Initial Complaint

      Date:08/28/2025

      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 cannot get my Experian account unlocked. My ********************** union (PSECU) cannot get a report to check so they can approve my request for a loan to refinance my vehicle. I tried to contact Experian, but all I get is the automated system and have not been able to talk to a live specialist.

      Customer Answer

      Date: 08/28/2025

      I need to have my Experian account unlocked so that my credit union can process my request for a loan to refinance my vehicle. I have tried to do this on the phone, but to no avail. I want to talk to a live specialist, but cannot get a phone number.

      Business Response

      Date: 09/01/2025

      Thank you for writing and expressing your concern Experian(R).ConsumerInfo.com(R), ***** via its website FreeCreditReport.com(R), is an affiliate of Experian(R) that provides credit monitoring and internet access to the customers personal **********************************************. We assist the customer in accessing their ********************************************* online and answer questions regarding our products. I have forwarded your information to a specialist who will reach out to you directly from our ******** membership team. Otherwise, you can reach out to a specialist by calling ************ during their operation hours. A specialist will be available from Monday to Saturday from 9:00 am ET to 9:00 pm ET. We apologize for any inconvenience or misunderstanding.
    • Initial Complaint

      Date:08/27/2025

      Type:Customer Service Issues
      Status:
      UnresolvedMore 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 reach a human customer ********************** agent for help with accessing my account. The ** robot will not transfer to a human and is of no help getting me to the proper place. When asked why I am calling and I state I need help accessing my account, they ** offers a to text a link, I say no and it says thank you goodbye and ends the call. I called the dispute department hoping they could transfer me to the proper people. When I explained to the women that the membership line (which is what she offered me) was only a chat bot and no help, she told me, yes it's hard to get a person to talk to, you'll just have to keep trying. I received notice that they have detected something on my account and NO one is willing to help me access my account to figure it out. I asked if there is any human who could help me and was basically told, nope good luck with the chat bot. This is the worst customer ********************** I have ever come across. How ******** of a company to offer service to protect your identity and then have a chat bot for customer **********************. Whenever I finally do get access to my account again, I will immediately close it, cancel my membership and inform everyone I know how pathetic this company is.

      Customer Answer

      Date: 08/27/2025

      Yes I authorize my submission to the BBB.
      My concern is the lack of customer ********************** and care.  Being unable to speak with a human representative for help with something as important as credit and identity is ridiculous.  Being told good luck, theres nothing I can do is pathetic. 

      I have been calling for days trying to reach a person to speak to and when I did get a person (in a different department) I was told I cant help you and its hard to get ahold of someone, youll just have to keep trying so yes I have been in contact with them trying to resolve my issue. 

      Business Response

      Date: 09/01/2025

      Thank you for contacting us regarding creating a membership on our Experian(R) website. Our records indicate that you do not have an active membership. To enroll, please visit **************************** and create a new membership.

      Customer Answer

      Date: 09/02/2025

      The membership is in my daughters name, she is a minor therefore my name was attached to the account. I do not want to set up a membership, I want to be able to access the one we have. The fact that they can not find the account which I am also on just proves how poor their customer ********************** really is. 

      Business Response

      Date: 09/05/2025

      Thank you for the opportunity to address your concern regarding signing into the membership. After doing a detailed search with the information you provided, we were unable to locate an account in our system. To enroll, please visit **************************** and create a new membership. Please note there are several websites that offer similar products, and in many cases, customers often discover, after reviewing the emails or the web site where they enrolled,that the product is actually offered by a different company. Thank you for your understanding and cooperation. We hope the above information is helpful to you in considering this matter.

      Customer Answer

      Date: 09/05/2025

      The account is in my daughters name, which was never requested or asked about, so thats probably why you cant find it.   The account was setup as part of the data breach at ************************, her name is ******** *******.  Again, I request a phone number to speak with a person about my issue. 
    • Initial Complaint

      Date:08/27/2025

      Type:Customer Service 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.
      Numerous attempts were made to have my telephone number changed without success. At this point I have probably voided by UserID as well as my Password and will need to have both reset. I would like to have someone contact me to make sure the telephone number on file is changed and I can continue to be responsible with monitoring of my credit history.Any attempts to reach Experian via telephone to speak with a human being are utter ridiculous and should be prohibited by law. I have never had such a utter disregard for customer ********************** for a matter as critical as one's personal credit rating.

      Business Response

      Date: 09/10/2025

      Thank you for writing and expressing your concern regarding your membership with Experian.
      To assist with your conerns, our representative twice attempted to contact you by phone on September 10, 2025, but there was no answer.  Our representative left a detailed message with their contact information.  If you are still in need of assistance,please contact our representative using the information provided by voicemail message.
      At this time, we would like to express our regret that your experience with Experian may not have met your expectation or our standard of excellence.  We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

      Customer Answer

      Date: 09/13/2025


      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.
       
      I was on vacation without cell phone service in September 10 and 11,  and contacted Experian with their case number on Friday, September 12 with a positive resolution. I am extremely grateful for all assistance provided.

      Respectfully,

      ********* **********

       


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