Reviews

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

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  Experian Consumer Services

  535 Anton Blvd Ste 100 Costa Mesa, CA 92626-7199

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  Freecreditreport.com / Cictripleadvantage

  Trenton, NJ 08620

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  Experian

  2377 Gold Meadow Way Ste 100 Gold River, CA 95670-4444

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  Solstice Custom Homes

  5740 SW Arrow Wood Ln Portland, OR 97225-1330

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  Experian Consumer Services

  Colton, CA 92324

Review Details

• Review fromTrevor C

  Date: 05/04/2023

  1 star
  I'm certain this is just going to mirror the same things others have said, and I apologize in advance if there's any slight grammatical errors, as I'm using voice-type on my phone for this ordeal..First off, I'm tired of them continuing to send me emails for offers such as "personal credit card matches" that each assure me that either them OR their 3rd party has found me tailored fits - only to log on - be greeted on their site with the SAME blip - but of course never yielding ANY results of ANY kind/nature.. ALSO, the support section of their site intentionally waste the customer's time by going far past simple call/quality-control - and continuing the loop said customer in an ongoing and convoluted mess that never gives the option of any sort of actual "SUPPORT CONTACT" as it's explicitly advertised.. there are many spots on their site that CLAIM to link to an email address that can be used for "General Inquiries" - though they NEVER do, as the ONLY emails listed anywhere on their site are those of a couple Marketing Representatives for that specific purpose (whom neglect to not only respond - but also navigate/refer said email to ANY applicable party.. As it is, the ONLY form of contact - despite what the site continues to state in black and white - is to a customer ********************** number that ***************, and only gets you to a representative if you finagle your way through it's convoluted nature - picking one of a couple golden options. To do this you of course need to enter your social security number the moment you call, wait for it to verify it, and then as soon as it representative comes on the phone they each demand that you read them off the SAME number - despite the blatant redundancy of it all. At this point I'm DISGUSTED with this site, and definitely won't be using it in the future, has it also claims if I upgrade my membership it has the power to wipe my name and address from every site out there that exploits such info legally though unfortunately.

  Experian Consumer Services

  Date: 05/12/2023

  Thank you for writing Experian(R) and allowing ** to address your concerns.Our records indicate you enrolled in our complimentary Experian CreditWorksSM Basic monitoring membership on April 18, 2021. This membership is still active.We have opted your membership out of marketing emails so those will not be something you receive in the future.If you have a specific concern that needs to be addressed, please send those concerns to Experian Consumer Affairs, PO Box ****, *****, ** ***** or you may fax them to ECA at ************.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.

• Review fromTimothy C

  Date: 05/03/2023

  1 star
  Experian is the absolute WORST. I tried to dispute some items on my credit report that were right at the 7 year **** and should have fallen off. Experian instead "updated" them and now won't allow me to dispute them again, six months later, stating some stupid credit code.Equifax and Transunion not only removed them all, but they allow me to dispute what ever I want, when ever I want. When they're presiding over something as crucial as your credit score, they shouldn't be allowed to restrict you from filing a dispute.Not only that, it should be criminal for Experian to allow collection agencies to re-new their dates to keep old accounts current. I have accounts that were originally closed 10 years ago and the debt collectors have only recently filed collections on them and Experian allows it!TransUnion and Equifax got rid of them, Experian allows it, then blocks you from re-disputing. To add insult to injury, they tell you that if you have documentation, to upload it, then their website has unending errors.These people should be shut down!I wish I could rate them zero stars.

  Experian Consumer Services

  Date: 05/12/2023

  Thank you for the opportunity to address your concerns.Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. In order to properly address your concerns, please contact Experian directly with your specific disputes, along with the names and/or account numbers of the items being disputed, and we will proceed accordingly.Any supporting documents *** also be uploaded securely at www.experian.com/upload Accurate information cannot be deleted. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters 7, 11 and 12 bankruptcies, which remain for up to 10 years. Positive information *** remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years.When your creditor turns over a seriously past due account to a collection company, your credit report will show the status of the account as collection. This account cannot be brought current since the original creditor sold the account as a bad debt. Once you pay the account, the status will be paid collection. The open date on a collection account *** reflect the date the account was sent to collections. This information will remain on the personal credit report for seven years from the initial missed payment that led to the collection.If you wish to file a dispute, we will need the following information:One copy of a government issued identification card, such as a drivers license or state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. Please also include the following identification information:Your full name including middle initial (and generation - JR, SR, II, III) Social Security number Date of birth Complete addresses for the past two years Please list the specific information that you would like to dispute, and tell ** specifically why you believe the information is not accurate. When we complete the processing of your dispute, which *** take up to 30 days (or up to 45 days for a dispute of information in a free annual credit report), we will send you the results. You *** want to notify your creditors of your current address. If you previously provided ** documents supporting your dispute, you must mail them again with the above listed information.According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which *** include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request (21 days for ***** residents). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue.If you have any additional supporting new documentation regarding the disputed information or any new disputes, you *** forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the ***** to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact ** directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You *** refer to the credit report that you received for the name, phone number (if available) and address of the data furnisher who verified that information. In addition, for more information regarding your credit and frequently asked questions, you *** visit: ****************************************************************** We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results.In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you *** also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number (if available). For more details, please visit www.experian.com/disputeprocess For additional assistance, you *** call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at P.O. Box ****, ***************.We hope the above information is helpful to you in considering this matter.

  Timothy C

  Date: 05/12/2023

  You're full of c*** I've given you my excuse countless times. The accounts that I'm trying to dispute have reached the age threshold to be removed from my credit report. You have debt collectors trying to recover funds from original debts that are older than 7 years and going by the dates that they first attempted to collect the debt.Equifax and Transunion have already acted on those accounts, but for some reason, Experian refuses to act. I've tried to upload proof on your website and get nothing but errors. I've tried to mail my dispute and only get the same canned response that you've given me here. I'm tired of this nonsense and will seek legal remedies if you don't act.

• Review fromDavid V

  Date: 04/27/2023

  1 star
  A terrible department. I've faxed your required documents on April 6. In addition over the course of the 16 BUSINESS day period I have emailed your customer ********************** team multiple times to get them to verify. They keep replying "IF"... "IF"... i sent the fax they will call or email.I cannot depend on the call because no one calls from an authorized number so it may go to spam. Your team won't verify they received the fax In addition I called today at 7:45 PST and they kept me on hold while they "looked into it" until 8PM, then hung up. You owe me $99.96

  Experian Consumer Services

  Date: 05/09/2023

  Thank you for writing and expressing your concern regarding your membership with Experian. Our records indicate that you ordered a credit report along with an Experian IdentityWorks Premium membership on January 22, 2023. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on February 1, 2023. Per your request, your paid benefits ceased, effective April 28, 2023. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order. We have, as a courtesy, issued a refund totaling $99.96 as of April 27, 2023. Please allow 3 - 5 business days for these funds to process to the credit card account.At this time, we would like to express our regret that your experience with Experian IdentityWorksSM 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.

• Review fromAshraf H

  Date: 04/27/2023

  1 star
  The worst in service and their dispute process including their handling of identity theft reports is totally in favor of the data furnisher abviously because they pay more to keep it on file.

  Experian Consumer Services

  Date: 05/09/2023

  Thank you for expressing your concerns regarding Experian. Experian prides itself on providing an excellent customer experience, and vigilantly strives to provide the highest standards of customer care and satisfaction. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Listed below is the dispute contact information for Experian(R):Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.

• Review fromHamza A

  Date: 04/26/2023

  1 star
  If I could give a negative star I would. On my credit report it showed that I owed my credit card company money. So I called the credit card company and they said the bill isnt even due yet. They are scammers. They just want to use your information to get money. I tried to call the number and there is no way to get someone on the phone.

  Experian Consumer Services

  Date: 05/04/2023

  Thank you for expressing your concerns regarding Experian. To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** Listed below is the dispute contact information for Experian:Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** When you contact ** to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.

• Review fromLigia P

  Date: 04/14/2023

  1 star
  This business has no regards for the Congress law or anyone. I've sent 2 Identity theft reports and numerous written letters providing my information and explaining the situation that I'm a victim of fraud, I even filed a complaint with CFPB and they didn't care. I still have fraudulent accounts/inquiries reporting on my credit report that they didn't even properly verified. They just say the conduct an investigation and don't explain what did they do and how they conclude that those accounts/inquiries are mine. I've tried calling multiple times and when the ******************** or ****************** answer and I begging to give them my information they hang up on me. This situation is affecting my ability to get credit and my mental health.

  Experian Consumer Services

  Date: 04/25/2023

  Thank you for writing Experian(R) concerning your ID theft.Our records indicate you are currently enrolled in our complimentary Experian CreditWorksSM Basic membership. Our records also indicate you have spoken with numerous agents about your disputes both by mail and by phone. You have reached the membership department and as such we do not process disputes.Credit bureaus maintain separate records of consumers information. To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** Listed below is the dispute contact information for the three national credit bureaus: Experian(R), Equifax(R) and TransUnion(R).Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** Equifax(R):Online Dispute: ******************************************************************************************************************************************* via **** postal mail:Equifax LLC P.O. Box ****** *******, ** ***** Telephone: ************** TransUnion(R):Online Dispute: ******************************************************************************** Disputes via **** postal mail:TransUnion Consumer Solutions P.O. Box **** ******************************** Telephone: ************** When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.

• Review fromGuillermo García Ruiz

  Date: 04/13/2023

  1 star
  Failed on processing consumer report as requested for "free" I expect not to be charged for this request because I didn't get through in my registration...

  Experian Consumer Services

  Date: 04/25/2023

  Thank you for writing Experian(R) concerning your enrollment.Our records indicate that your enrollment attempt failed because you did not enroll using your full last name. To complete enrollment, you must complete the information requested on the enrollment form to successfully enroll and obtain a credit report.We hope this information is helpful to you when considering this matter.

• Review fromChris

  Date: 04/13/2023

  1 star
  Removed my credit score one month after a 700+ reporting, no information as to why it was removed and no way to speak to a representative.

  Experian Consumer Services

  Date: 04/24/2023

  Thank you for writing Experian(R) about your credit score.Our records indicate you are currently enrolled in our complimentary Experian CreditWorksSM Basic membership.Our records also show two credit reports accessed in Aprin 2023. One on April 15, 2023, with a score of 663 and another on April 22, 2023, with a score of 747.We do not have access to any credit reports without a score for you.We hope this information is helpful with considering this matter.

  Chris

  Date: 04/24/2023

  I'm not sure how you are able to know who I am in order to look up the correct credit score. Also, the credit score I was referring to was my wife's credit score on my account.

• Review fromJonathan R

  Date: 04/11/2023

  1 star
  Rarely leave reviews for anything, but felt compelled to do so here because its been one negative and frustrating experience after another. I have no issues locking / unlocking with the other two agencies, but with Experian, good luck! They are the only ones who dont give you a quick option to lock / unlock and instead force you to use the more cumbersome freeze/ unfreeze process. Their systems did not recognize my account to allow me to properly log in. After speaking with a customer ********************** representative this weekend and trying multiple things in their system, I was told I needed to wait 3 days for my account to be able to be accessed and given a case number and phone number to call back. So after 3 days (today) I call the number. There is NO way through any of the menus to enter my case number or get a live person. I finally try to just log into my account and create a new password. I go through all the steps multiple times and enter a new password and get an error message to the effect of sorry we cant process this at this time, try again later. Later? Like when? So I try again. Same thing. On the FOURTH time of going through all the steps it finally lets me in. Great, I think! So now I can log in. I click on the link to freeze / unfreeze my account. It takes me to a page where the ONLY thing I can do is to order a free credit report. NO other options. So I figure, what the heck, maybe I have to do that to get to the freeze / unfreeze page. So I go through all of the steps to order a report and get an error message that says oops were sorry we have encountered an irrecoverable system error call us toll free between these hours. Its between these hours and so I call and cannot get a live person on in any of the menus no matter how hard I try. I tried the automated freeze via the phone and it had an error too. Its just a comedy of errors. Extremely frustrating.

  Experian Consumer Services

  Date: 04/20/2023

  We recently updated our processes for administering security freezes. To add or remove a security freeze online, a consumer must visit www.experian.com/freeze. Existing Experian members will be prompted to sign into their membership. Non-members will be prompted to create a free membership in Experian CreditWorksSM Basic or to create an Experian Service Account. Experian CreditWorks Basic is a free product that provides consumers access to their Experian credit report and FICO(R) Score once every 30 days, along with monitoring alerts which are updated daily. In contrast, an Experian Service Account does not involve enrollment in a membership. It is an online portal through which consumers may log in to manage a security freeze, as well as submit disputes and review dispute results. If consumers cannot or choose not to access our online services, they can contact ** by phone *************) or mail (ECA, PO Box ****, ****** ** *****).

  Experian Consumer Services

  Date: 04/20/2023

  We recently updated our processes for administering security freezes. To add or remove a security freeze online, a consumer must visit www.experian.com/freeze. Existing Experian members will be prompted to sign into their membership. Non-members will be prompted to create a free membership in Experian CreditWorksSM Basic or to create an Experian Service Account. Experian CreditWorks Basic is a free product that provides consumers access to their Experian credit report and FICO(R) Score once every 30 days, along with monitoring alerts which are updated daily. In contrast, an Experian Service Account does not involve enrollment in a membership. It is an online portal through which consumers may log in to manage a security freeze, as well as submit disputes and review dispute results. If consumers cannot or choose not to access our online services, they can contact ** by phone *************) or mail (ECA, PO Box ****, ****** ** *****).

• Review fromCharles S

  Date: 04/11/2023

  1 star
  It is time for a CLASS ACTION LAW SUIT. These people want to be judge and jury over something that we are not allowed to have an input on at all.

  Experian Consumer Services

  Date: 04/20/2023

  Thank you for expressing your concerns regarding Experian.Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau Listed below is the dispute contact information for Experian(R):Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.

  Experian Consumer Services

  Date: 04/20/2023

  Thank you for expressing your concerns regarding Experian.Under the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit file. For a summary of your FCRA rights, please visit *********************************************************************************** To dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureau Listed below is the dispute contact information for Experian(R):Experian(R):Online Dispute: ************************************************: PO Box ****, *****, ** ***** Telephone: ************** When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation and request the deletion or correction of the information you feel is inaccurate.The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigation. The credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed information. Within 30 days, the company or creditor must respond to the credit bureaus investigation. The creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the item. Upon conclusion, the credit bureau will contact you with the results of the investigation.I hope the above information is helpful to you in considering this matter.