Experian consumers and businesses reviews and complaints 164
Newest Experian reviews and complaints
Unauthorized charges
For the past 2 months, I've noticed this CIC*Triple Advantage with $12.00 -charged twice- on my checking account. Finally, called the number with information and then looked up number and name. It was not during business hours, but the voice message said "Experian Customer Care". When I looked up the number, I found several hits with others and the same complaint. Charges not authorized for a "Free" service/credit report. I will be calling tomorrow to have this "service" stopped and charges stopped immediately. I could have used the $72 plus any of their future charges for something else in my budget. Don't appreciate these SNEAKY charges for "services" NOT needed! BEWARE of Experian/CIC Triple Advantage!
Experian - Scam-bad customer service, unauthorized charges!
I'm emailing in regard to the supposedly "risk free 30 day trial period" My name is James Pruitt and I have only once viewed my credit report on your website, which was the same day I signed up for this trial period. That same day I canceled my membership because I was only able to view the credit report from your company Experian not from the other two...
Read full review of Experian and 34 commentsCredit report scam!
So, here's how the scam works...the Federal Government encourages certain companies to provide free credit reports. And Jane Public goes online and finds a company called 'FreeCreditReport.com' or 'Experian.com' [also known as: CIC Credit Monitor SVC; Consumer Info; Consumer Information; creditmatters.com; freecreditreport.com; homeradar.com; I Place; I Play Innings; QSpace.com] and enters their credit card number for their 'free' credit report.
At the same time Jane is provided with her free report, the company also signs her up for a 'membership' called 'Triple Advantage' or something along those lines. Unaware that she has signed up for this service in the first place, Jane doesn't notice that 'CIC Triple Advantage' is popping up on her credit/bank statement, charging her an almost unnoticeable $12.95 a month.
When it finally occurs to her that money is being taken for a service she didn't sign up for, Jane realizes that she needs to cancel this 'membership' immediately. But how? She didn't intentionally sign up for it in the first place, and she doesn't necessarily remember which website she used, so how does she cancel it? Calling the bank doesn't do anything, because it's a direct withdrawal that the bank has no control over, so what can Jane do?
There is a number following the charge, as listed on her account. Jane calls that number and waits, and waits, and waits for a human to pick up. If she waits long enough, someone does pick up, and proceeds to tell her: "We're so sorry you want to cancel your membership with us, it's a shame to lose you as a customer. We can refund the last two months of your membership, but that's the best we can do." Jane might settle for this, thinking 'phew, at least it's done now,' or she can call that same number and ask to speak to the manager. [The number that works, as of 3.21.07, is 877.481.6826.]
My suggestion to Jane Public? Don't let them take your money. This company, under the parent company Experian, just settled a class-action law suit with the Federal Trade Commission for illegal business practices for this exact same scam. They are in the wrong, not you. Be polite, but firm. (As someone that works in customer service, being rude to the representative will get you nowhere.) Make them aware that you know of the lawsuit, that their business practices are illegal, and that you will not be accountable for their scam.
I have tried unsuccessfully to cancel this unauthorized charge from my Chase credit card. Chase did refund me 3 months worth as a "courtesy" but after contacting the 800 # twice now to cancel, the charge remains on my statement.
I think the only way to get out of it is to cancel the card!
I went online to find out how to get my credit report cleaned up and was sent directly to this bogus company where they proceeded to take $29.95 dollars from my checking account when I called to question the charges their "refund dept." refused to issue the appropriate credit to my account, in essence I've been scammed out of my hard earned money-to say I'm upset is an understatement. Where can I go to get my money back; why are they so conveniently positioned right next to your business: how can these low down sob's be stopped in the future and how may I help to do so?
What have you done to stop this since it must have a negative impact on your business? jwbbr-Joseph B.
The price is now 14.95 and the phone number they include in the credit card charge reference doesn't connect to anything. Not an automated service, not a human, NOTHING.
I guess I got lucky just discovered that they had been taking 12.95 dollars from me for last 3 months.
I put a call in to my financial institution. Had them cancel my Credit card. And they said the would file a complaint for me to try and get my money back. But I had no idea they were signing me up for a service I did not want. I hope they not only get my money back but anyone else who banks with them as well.
I have some accounts on my credit report that i now is wrong and i need to get them remove. They are ADBA for $120 dollars, DELTA FINANCIAL for $50 and $588 dollars and RMA/NATIONAL for $247 dollars. I know that i didn't deal with any of these people. I don't even know what they are for. Thank you Lawrence J Christian Jr.
Thank you so much for this! this company is despicable; their business practices are deplorable. I can't believe they've gotten away with so much for so long!
Credit report is a rip off!
This company offers 3 bureau credit reports online but fails to deliver. Although my credit card was billed immediately, I was unable to access my report over 3-4 days. I was subsequently told I needed a "Private Access Code" to verify my identity, which could only be sent by US mail, although they managed to identify my credit card pretty quickly. Needless to say, this private access code did not work. This service is offered in conjunction with "CIC CreditExpert and LendingTree. Approximately ten days and two hours of phone conversations with all three parties later, they are unable to access my credit report. I asked for a refund, in writing, and was referred back to the same consumer helpline phone number. It seems their business plan is to discourage customers with so many obstacles that they simply abandon the $35 they have already been charged.
Credit report I have things on all 3 bureaus over 13 years what can I do
I'm have been waiting for this to get taken care of and nothing has been done. The charges are still on my card and I want them removed! I have emailed customer service several time and haven't heard anything ? So I'm wondering if this is a scam
EXPERIAN *CREDITREP
535 Anton Blvd, CA 92629
[protected]
39.98
And this is the company
I have had a very good experience purchasing my credit score form them. Transunion was not as user-friendly but is also good.
Experian In-depth Review
In summary, Experian is a well-established company offering a range of credit-related services. It provides comprehensive credit reports and monitoring services, though the cost and frequency of updates can vary. Customer service is accessible, but experiences may differ. The website and app are user-friendly, and Experian offers valuable educational resources. Pricing transparency and value for services are decent, with solid data security measures in place. Dispute resolution is available, but effectiveness can vary. Customer feedback is mixed, and while Experian offers robust business solutions, its legal and ethical practices have faced scrutiny. Compared to competitors, Experian holds a strong market position with unique features, but there's room for improvement. It is suitable for consumers who value detailed credit insights and businesses seeking comprehensive credit analysis.
Company Overview
Experian has long history in credit services industry. They provide detailed credit reports and other financial services to help people understand and improve their credit status.
Credit Reporting Services
- Reports from Experian are known for being accurate and thorough.
- Getting credit report is easy through their website.
- Updates and frequency can cost, depending on service you choose.
Credit Monitoring and Identity Theft Protection
- Monitoring services are effective and alert you to changes.
- They offer many features for identity protection.
- Response to fraud alerts is prompt, helping to protect your identity.
Customer Service
- Support is available, but some users report varying experiences.
- Assistance quality is generally good, but resolution times can differ.
- Response times are reasonable, though peak times may see delays.
User Experience
- Website is easy to navigate and user-friendly.
- Mobile app is convenient and functional for on-the-go management.
- Information is clear, helping users understand their credit.
Educational Resources
- Many materials are available to educate on credit scores.
- Simulators and tools are useful for predicting score changes.
- Financial advice is of good quality, offering helpful tips.
Pricing and Value
- Pricing is transparent, with clear explanation of different services.
- Service tiers are compared easily, helping choose what's best for you.
- Overall, services offer good value for the cost.
Data Security and Privacy
- Experian takes strong measures to protect your personal information.
- They comply with data protection laws, ensuring your data is safe.
- Users have control over their personal data with Experian.
Dispute Resolution
- Process for disputing inaccuracies is straightforward.
- Resolution times can vary, but generally effective.
- Support during disputes is provided, which can be very helpful.
Customer Feedback and Reviews
- Customer testimonials are mixed, with both positive and negative reviews.
- Common praises include detailed reports, while complaints often mention customer service.
- Satisfaction trends fluctuate, but many find Experian's services beneficial.
Business Solutions
- Experian offers a wide range of business services.
- Business credit reporting is thorough and effective.
- They provide tools for managing fraud risk and making informed decisions.
Legal and Ethical Practices
- Experian generally adheres to fair credit reporting laws.
- Data handling is ethical, but they have faced legal disputes in the past.
- Record of legal controversies is there, but they work to maintain ethical standards.
Comparison with Competitors
- Experian is competitive, with unique features like Experian Boost.
- They stand out in some areas but can improve in customer service and dispute resolution.
- Reputation in the industry is strong, with a solid market position.
Conclusion and Recommendations
Experian offers comprehensive services that can be very useful for managing credit. It is suitable for those who need detailed credit information and businesses looking for in-depth credit analysis. Depending on your needs and goals, Experian can be a good choice, especially if you value educational resources and tools to improve your credit score.
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I too was being billed by them. I called them up and told them to cancel this account because I've been locked out of it for 3 mos. She told me that I REINSTATED my account in January 2007. I wasn't even in the country at that time! They gave me a 2 mos credit (even though I was entitled to more) and cancelled it. I am going to contact the BBB because this is suppose to be a credit monitoring service, how they going to try and mess up your credit!
As a former employee of Experian it gets worse most people don't know that much of their credit data is now being off shored in Chile. And Experian marketing department that sells marketing lists which includes your SSN, Date of Birth, Income, real estate and childrens information is now being off-shored and handled in Costa Rica!