Review and analysis of over 2,286 complaints against Experian
Experian consumers have reported over 2,286 official complaints related to Account terms. Out of the 2,286 consumer complaints against Experian, 11% were disputed by the consumer (i.e. the consumer was not happy with how Experian responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Experian resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 35% resulted in non-monetary compensation.
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Experian Credit reporting incorrect information on credit report account terms April 10, 2017 - I mailed a Multiple Inquiry Removal Letter on -/-/2017 by certified mail in order to dispute information in regards to - hard inquiries to - Experian, and -, that was being reported on my credit report. They received the letters on -/-/2017 and they completed the request on -/-/2017 & -/-/2017. The request that I submitted included - Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the cr... |
Experian Credit reporting incorrect information on credit report account terms April 9, 2017 - I contacted the credit bureau to inform them of - hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.... |
Experian Credit reporting incorrect information on credit report account terms April 9, 2017 - Dear Experian, Re : - Account - I am contacting you because I have found some information that is inaccurate on my credit report. 1. This is a secured account. On -, I contacted - and told them that I wished to get records on the account. 2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 3. I contacted them and after a while they did n't respond. 4. After begging them, there was no resolution. 5. I sent them a demand directly. 6. They did n't reply and are reporting incorrect on your bureau. 7. That is impossi... |
Experian Credit reporting incorrect information on credit report account terms April 5, 2017 - ATTN : Legal Department, Report Number - This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being... |
Experian Credit reporting incorrect information on credit report account terms April 1, 2017 - I have disputed these - - it has - accounts listed when there was only - account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to - they stat... |
Experian Credit reporting incorrect information on credit report account terms March 30, 2017 - All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as 1 inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having - recent inquiry 's, I have -. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lo... |
Experian Credit reporting incorrect information on credit report account terms March 29, 2017 - I was hired by a company with a US office in New York and the home office in - as a Purchasing Manager. I bought gift cards from local merchants and sent the to -. The company purchased them from me by routing payments to my credit card. Now the gift cards are empty and the company is taking the payments back through - in NY. I 'm now out $42000.00 on one card and $72000.00 on the second.... |
Experian Credit reporting incorrect information on credit report account terms March 29, 2017 - I have been on a debt mgt program since --16 yet some of the credit card companies have been reporting me late. The -, -, -, -, -, - -, and -/-.... |
Experian Credit reporting incorrect information on credit report account terms March 27, 2017 - I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with - companies ( - Home Mortgage companies and - traditional bank ). This all ocurred within 30 days. Now that I selected - company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the... |
Experian Credit reporting incorrect information on credit report account terms March 14, 2017 - Experain is reporting an collection account that is lowering my credit score however the balance is $0.00 and needs to be removed from my file as there is no balance. - - - -/-/2010 - - - FL -, FL - -... |
Experian Credit reporting incorrect information on credit report account terms March 7, 2017 - My husband and I entered a lease agreement renewed -/-/-. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for -. I have disputed it with the company via certified letters. I also went to speak w... |
Experian Credit reporting incorrect information on credit report account terms March 6, 2017 - i have various hard inquiries on my report that have affected my score, i would like to be removed ... some have not been removed and the months have stated that they should be removed in -/-/- and -/-/-. please help... |
Experian Credit reporting incorrect information on credit report account terms March 6, 2017 - - is reporting on my credit that I owe them - from back in -/-/- but I did not open an account until -/-/-, I feel that my identity was used without my knowledge because I do not have a balance with - and still use them as my phone carrier today.... |
Experian Credit reporting incorrect information on credit report account terms March 3, 2017 - I have contacted Experian and - regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the - is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from - that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnish... |
Experian Credit reporting incorrect information on credit report account terms March 3, 2017 - This is in reference to the account in collections reported inaccurately by - - in the amount of $490.00 listed by Experian on my credit report. The account that was closed is not being reported accurately. Information like the dates are incorrect, not to mention the amount. But I had previously contested the amount with the debtor years ago stating that is not what I should 've been charged originally but it was never corrected. So at this point when I already had to wait for the seven year mark for it to fall off I do not understand why - - did not report the right dates or hav... |
Experian Credit reporting incorrect information on credit report account terms March 3, 2017 - Experian has reported wrong information to my credit report... |
Experian Credit reporting incorrect information on credit report account terms February 28, 2017 - Experian is reporting inaccurate information on my credit report in regards to -. - has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : - ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.... |
Experian Credit reporting incorrect information on credit report account terms February 27, 2017 - I have found wrong information listed in my credit report and I have disputed to Experian, but they still not update my info.... |
Experian Credit reporting incorrect information on credit report account terms February 24, 2017 - - credit card was sent to wrong address. I believe this was their fault and not mine, as I gave them my correct address.... |
Experian Credit reporting incorrect information on credit report account terms February 23, 2017 - I uploaded a letter to Experian from - and -. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor - who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your review.... |
Experian Credit reporting incorrect information on credit report account terms February 21, 2017 - I recently pulled my credit report and found that Experian reported wrong information into my report. I am requesting that these accounts must be assessed for accuracy.... |
Experian Credit reporting incorrect information on credit report account terms February 17, 2017 - I filed a dispute with Experian disputing, - - - -, which is showing a past due balance of $900.00 and I filed Chapter - bankruptcy including credit first which means that it 's suppose to have a $0.00 balance and report that it is included in chapter - bankruptcy, another one is - which is reporting twice for $100.00 and once for $440.00, and also there is a chapter - bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are supp... |
Experian Credit reporting incorrect information on credit report account terms February 16, 2017 - I reviewed my account around - 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from -, -, -, -, - ( which appeared twice ), -, - be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.... |
Experian Credit reporting incorrect information on credit report account terms February 15, 2017 - I have notice per credit report that - - reports that I owe - for cellular services. I have never had an account with -. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.... |
Experian Credit reporting incorrect information on credit report account terms February 15, 2017 - To Credit dispute department : -/-/- - Contacted - Services about account $8300.00, was informed that they would be sending me a - form for balance on account. -/-/- taxes, filed -/-/-, Amount $8300.00 Reported as income from form - from - Card Services, included as income reported for the year, and paid taxes for same. -/-/- - Attempting to qualify for a mortgage, contacted - services again, to request that the amount of $8300.00 be removed from my credit file, after having received - and reported amount as income in -. -/-/- - Am told by... |
Experian Credit reporting incorrect information on credit report account terms February 15, 2017 - I checked my credit report on -/-/2016 the account status was closed bal. was $0.00 - dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on -/-/2016 I notice that they changed the balance from $0.00 - dollars to $130.00. I 've sent letters to both company and credit reporting agency first letter regarding this issue -/-/- and they have failed to explain to me how I owe this debt. when they from start of -/-/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop ... |
Experian Credit reporting incorrect information on credit report account terms February 13, 2017 - Experian is showing negative information that is over 7 years old on my credit report for - accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 1 ) - Mortgage loan # - is showing late payments starting -/-/- through -/-/-. 7 year mark ended -/-/- and all negative notations should be removed past original delinquency date. 2 ) - Mortgage loan # - shows late payments from -/-/- through -/-/-. 7 year mark ends -/-/- and all negative notations should be removed. They are past the original d... |
Experian Credit reporting incorrect information on credit report account terms February 11, 2017 - In 2016, I suddenly received noticed that my Experian account had decreased by - points. On my report, I noticed that Experian reported a delinquent payment from - of my - accounts, but neither - nor - had. When I called -, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent - payment. And, yet, in my credit report, they continue to list a recent delinquent payment. Experian 's account representative acknowledged... |
Experian Credit reporting incorrect information on credit report account terms February 8, 2017 - Experian is n't reporting my - - card. - - says they reported to all - bureaus but experian still has n't put it on my credit report.... |
Experian Credit reporting incorrect information on credit report account terms February 7, 2017 - Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.... |
Experian Credit reporting incorrect information on credit report account terms February 7, 2017 - I recently requested a copy of my Experian credit report and found hard inquires that were placed on my report without my consent. I made contact with both the creditors and Experian to have these inquires removed and was unsuccessful... |
Experian Credit reporting incorrect information on credit report account terms February 6, 2017 - I have called and faxed Experian stating they are not reporting my mortgage and - - - credit card that I have, they are the only credit reporting company out of the - credit bureaus not reporting those - trade lines. It has hurt my credit scores. I want them to report them, I called - - - and - bank and they stated they report to all - of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my - - - 2016 interest statement as proof. 1 ) - - - # - 2 ) - - - # -... |
Experian Credit reporting incorrect information on credit report account terms February 6, 2017 - No contract or signature has been verified on these accounts. -... |
Experian Credit reporting incorrect information on credit report account terms February 6, 2017 - I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called - - -. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. - - - added a new collection account to my credit for a previously disputed and removed account with - -. This account was resold and is now being reported by - - -... |
Experian Credit reporting incorrect information on credit report account terms January 27, 2017 - Collection Accounts identified as ( - - ) on my Experian Credit Report Account # - Account # - Account # - Account # - Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( - ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a ... |
Experian Credit reporting incorrect information on credit report account terms January 25, 2017 - Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my - credit cards with - and -. In case of - credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by - and collection agency and made to pay. I tried to resolve this issue by calling, emailing and f... |
Experian Credit reporting incorrect information on credit report account terms January 24, 2017 - As of Tuesday, - -, 2017, E-PERIAN is still knowingly and illegally reporting a debt of $110.00 to - for - -. REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by - -. I maintain that during the selling, purchasing and/or transferring of my account ( s ), -, knowingly violates both ... |
Experian Credit reporting incorrect information on credit report account terms January 24, 2017 - - Reported I owed - - an apartment complex - in - -. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment - from - to -. In - before the lease was up I had adopted my two nieces and had to move to a - bedroom -. I was there until my lease was up in -. - - is reporting i was evicted from - when they just transferred me to another unit in the same complex. They never removed the collection account from -.... |
Experian Credit reporting incorrect information on credit report account terms January 21, 2017 - As per Federal Law, the statue of limitations, 7 years, has elapsed on the alleged debts, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. Experian must comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) 1 - Account Name - - - - - Account # - Account Type Business Credit Card - Revolving Terms Date Opened -/-/- Account Status Closed Payment Status Charge-off Status Updated -/-/- Balance $6400.00 Balance Updated -/-/- Credit Limit $5000.00 Monthly Payment - Past Due Amount $6400.00 Highest Balance -... |
Experian Credit reporting incorrect information on credit report account terms January 20, 2017 - I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines... |
Experian Credit reporting incorrect information on credit report account terms January 16, 2017 - The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Experian. I have tried on numerous occasions to have this account removed due to it 's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. I have been in the process of working with a realtor and I recently applied for a home loan. However, I was denied due to this account showing as a delinquent account most of -. My child support is automatically deducted from ... |
Experian Credit reporting incorrect information on credit report account terms January 13, 2017 - In -/-/- I owed a balance to - Bank in the amount of $790.00. I paid the balance TWICE by accident. Once by ACH and one with my debit card with - Bank. - Bank sent notification to - Bank and I was issued a refund check in the amount of $790.00 dated -/-/-. My account now has a - balance. I called - Bank to inquire about the status of my account and they said they would report the - Balance -/-/- as that is when my account status is reported and that my account was closed because it had been 60 days late in - and -, but not in - as they are repor... |
Experian Credit reporting incorrect information on credit report account terms January 13, 2017 - I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from - - # -, - the same. - - -. - -. - in -. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask - -, - -, - which was never taken off. - -, - - - in -, - - -, - - - -, Names ID -, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.... |
Experian Credit reporting incorrect information on credit report account terms January 10, 2017 - they continue to confuse my information with my father 's information. I have sent social drivers license and proof of address ... they have my fathers ss number and his and my moms credit card info. they also have me as retired from - ( instead of showing that I have a job ... also have my ex wife 's credit card info and hard inquiry from -/-/-, and we have been divorced since -/-/-. I have spent moths to get the credit report because I was unable to answer the questions required due to how many of the questions were erroneously based off of the incorrect statements of my fathers... |
Experian Credit reporting incorrect information on credit report account terms January 9, 2017 - I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate on my credit report.... |
Experian Credit reporting incorrect information on credit report account terms January 7, 2017 - renewed collection dates are being reported on several accounts. I have disputed the accounts with the collection bureau. One in particular, - reports that the debt is new as of -/-/-, However, - deleted from my report - -, - - - $1300.00. - shows the first date of delinquency -/-/-. When a credit report is pulled this debt is reporting as delinquent on -/-/-. I have attached the dispute that now reflects removal of the debt in -. But is still showing the debt delinquent on -/-/-. I have attached the dispute showing removal date ... |
Experian Credit reporting incorrect information on credit report account terms January 7, 2017 - I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.... |
Experian Credit reporting incorrect information on credit report account terms January 6, 2017 - Experian continues to report a negative payment status ( -/-/- ) on a - - account that was settled in -/-/-. I have disputed this error twice before, most recently on -/-/-. Experian 's response was that it would take up to 30 days for them to contact - and to complete their investigation. It has been - days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now -/-/- ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on -/-/- included a referenc... |
Experian Credit reporting incorrect information on credit report account terms January 6, 2017 - I 've contacted all - credit bureaus to remove 'Zombie Debt, per the Federal Law, the statute of limitations, 7 years, has elapsed on many of the accounts on - of the - bureaus is now ZOMBIE DEBT which under Federal law is illegal to report. Only Transunion removed the ZOMBIE DEBT, however equifax and experian have refused to follow the Federal law and remove the Zombie debt. The accounts that appear on both Equifax and Experian must be removed per Federal law. The ZOMBIE accounts are as follows : - - - - Credit Card -/-/- Closed - Missed Payment $6600.00 Accou... |
Experian Credit reporting incorrect information on credit report account terms January 5, 2017 - There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).... |
Experian Credit reporting incorrect information on credit report account terms December 30, 2016 - HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them $120.00 per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.... |
Experian Credit reporting incorrect information on credit report account terms December 24, 2016 - I have no knowledge of said debt, other than - and -, and I would like it removed as it 's reporting to the CB and negatively affecting me... |
Experian Credit reporting incorrect information on credit report account terms December 23, 2016 - I file a dispute with - - account that are closed with - balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and - agreed to remove these account off my credit report. Reference # -. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. - mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a n... |
Experian Credit reporting incorrect information on credit report account terms December 23, 2016 - I have disputed this account in the past because - told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. - agreed and sent out an update. - and - updated it. But Experian is the only one who refused to update the account. I attached a letterhead from - attention Experian letting them know this account should be updated and also they sent out a signal to all - reporting agencies to make sure it is updated. I attached letterhead from - and account information.... |
Experian Credit reporting incorrect information on credit report account terms December 21, 2016 - I have disputed information with Experian credit reporting agency and each of the listed creditors with documentation of errors listed on my credit report and the errors are still listed on my Experian Credit Report. I called Experian on -/-/2016 and spoke with a rep named - and he stated that they contacted the creditors and the creditors state the information is accurate even though the report is showing the errors.... |
Experian Credit reporting incorrect information on credit report account terms December 20, 2016 - This credit reporting bureau is reporting incorrect information under a - credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing - - day late payments. - late is displayed in -/-/- and the other is displayed in -/-/- I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called -/-/- and was informed by them that these late were not verifiable and no longer o... |
Experian Credit reporting incorrect information on credit report account terms December 16, 2016 - Experian is reporting INACCURATE information. Experian is reporting that - - was opened in - 2011. The payment history is saying this account was in collection as of - 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is - 2011. I have submitted paperwork to Experian showing the correct date the account was opened.... |
Experian Credit reporting incorrect information on credit report account terms December 15, 2016 - This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I need. As you and I are both aware, there are laws that ensure that credit report agencies report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. I am quite angry you have inserted the following information on my credit report : - - - following items... |
Experian Credit reporting incorrect information on credit report account terms December 15, 2016 - I have a hospital bill from -/-/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a - to a -. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is $780.00, not $790.00 as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this dra... |
Experian Credit reporting incorrect information on credit report account terms December 14, 2016 - Experian continues to allow - - and - Bank/- to report incorrect information on my credit report. I filed for Chapter - Bk on - -, -. I was then and continue to be under a -. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the - - -. For example they recently reported my BK as - -, not so, - - and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late n... |