Experian
reviews and complaints

After exploring various reviews about Experian Consumer Services, it's evident that opinions are divided. Some customers appreciate the ease of navigating the website and the helpful credit-building tools like Experian Boost. They found the service instrumental in improving their credit scores. However, others express frustration with the customer service, citing difficulties in resolving disputes and challenges in accessing live support. The company's automated systems and slow response times have left some customers dissatisfied. While Experian offers valuable features like credit monitoring and security freezes, there are concerns about the accuracy of credit reports and the effectiveness of the service. Potential customers should weigh the pros and cons carefully before engaging with Experian Consumer Services.

Yes, you can improve your low score through the help of an expert. You can talk to ***@protonmail.com for more details.

I would not keep paying for a service i don't get. Hence why i had to seek the expertise of private credit financial expert, webghost33 via instagrm. He helped removed my negative inquiries and cleared over $45k cc debt after i had become a victim of identity theft fraud. I'll tell you for a fact that freezing your credit is not just enough after a fraud related issues. Most credit bureau dont help clean up credit report as expected. Do better. My credit has since improved after seeking help elsewhere. Current score of 768.

Out of all the credit bureaus, Experian is probably the worse in terms of understanding English. I called a few times and the agents did not understand that my classification should be the same as my spouse if we were both found in the Equifax breach. Do you need a police report for that? I had to pay for a freeze whereas my spouse did not have to. All the agents did was furnish me a copy of my credit report, which I had and it is not what I asked for, which was to correct my classification so I wouldn't need to pay for a freeze or unfreeze.

When you log in, you're greeted by a page where they've prepopulated your credit card info, and where the "buy" button is visible, but the "not right now" button is off the screen. And they've set it up to where it looks like just another button to click through to get in. See the attached screenshot and you'll see what I mean. This is not how above-board businesses operate.

Their phone system is set up to cause you to have to go through prompt after prompt to get to speak with a person. Before you do, the system may hang up on you. For one event, I had to call Experian 6 times before I got everything worked out. Unlike Equifax and TransUnion, you cannot dispute anything online; a phone call is the only way. Conveniently for them but not for you, the call center is only staffed on non-holiday weekdays during normal business hours.

So, I've had Experian for over six years and although they're expensive and offer little in return I've kept them. So a few nights ago I received an email stating that I've downgraded my account back to it being free, which I never did, by the way. I spoke with a representative an advised her that in no way I terminated my premium account. So long story short, my account was reinstated and I had to pay for the upcoming month, even though I was 15 days away from getting my 30 day refresh. Fast forward to today and I decide to check my credit. It had me at a refresh at 90 days. So of course, I called and was told that the previous representative had placed my on the 90 day refresh. I stated that I had asked to have my membership placed back to where it was initially. The representative sounded Indian, as the previous one, so I had to repeat everything several times with her responding to me in a phony, workshop dialect, which I'm sure this is how they're taught on how to handle western customers. So my initial thoughts were correct. Experian themselves terminated my membership and when I had my initial membership reinstated I saw where they went up $3 a month. Don't get me wrong, I think they're expensive as is for what you get. I, can respect a company that will tell their customers at face value that they're increasing their prices instead of sending them emails saying that the customers did it only to sell them their previous membership at an increase. I thought seriously about just going with one of their competitors at the same price or a few dollars more to prove a point. This is NOT customer service.

After disputing incorrect information on my report 2 times to no avail, the 3rd attempt to dispute said not able to dispute again, but finally gave an option to upload documents. Why wasn't this option there for first dispute attempts? Incorrect info was deleted after 3rd try and submitted document. Posting this to help others.

I had good experiences with Experian, but when they disabled my account and I couldn't reset the password, I couldn't rely on any reports from my creditors. They have mixed Experian with ***.Experian, which is confusing and raises questions about transparency. It's difficult to reach customer support through phone or email services.

At first, my experience with this service was good. It detected all of my bills. However, suddenly my utility bill disappeared and as a result, my credit score dropped. I was still paying my utilities, but the service no longer recognized it. Additionally, it never detected any of my credit cards, rent, cable, or cell phone payments. I have been paying these bills on time every month for a year from my checking account. I'm not sure what the issue is with this service, but it has been disappointing.

I have an account with Experian and need to contact somebody to unlock my credit. I called over 15 times between cell and land line and can not get anybody. In all instances the phone first requests that you enter or say your social. Before you can even speak or enter numbers the system says "I'm sorry I did not get that". The system repeats that phrase about three or four times very fast where it does not give you a chance to say or enter anything and then the system hangs up on you. The chat is unavailable online when logged into my account therefore I have no way to get in touch with anybody to help me. I found an email address on google but that too is useless because it says somebody will try and get back to you within 2 days. What good does my membership do that I am paying for every month if I can not contact somebody to un freeze or re freeze credit. It is unacceptable. Your company is preventing me from being able to get a loan because I can not reach a human to un freeze my account!

Year Adjustment:
If a year mentioned is 2023 or 2024, leave it as is.
Remove any other mentioned year from the text completely.
References to the Better Business Bureau (BBB) should be replaced with ComplaintsBoard.com.
Trying to talk to a real person is impossible at any time. I have been trying to unlock my account for almost 3 months. Now all the message says is that your account has been locked for 24 hours after repeated failed attempts to log on. This wasn't done by me and when I try 24 hours later, I first try to do the forgot password and still get the same message after repeated failed attempts to log on. Your account has been locked for 24 hours, try back later. I have tried calling the number provided and get an automated response in which they tell me how to gain access by selecting forgot password or I can request they provide instructions, via snail mail, to do the same thing I have been trying for months. I would like to say they have terrible customer service, but I have never spoken to a real person and when I try, I am told via recording that my issue doesn't reach the level for talking to a representative. I wonder if they even have representatives. Your product is useless if I am unable to unlock and gain access to it because of your processes.

So, I've been using Experian for more than six years, even though they are costly and provide little in return. A few nights ago, I received an email stating that my account had been downgraded to the free version, which I never requested. I spoke with a representative and informed her that I did not cancel my premium account. Long story short, my account was reinstated, but I had to pay for the upcoming month, even though I was only 15 days away from my 30-day refresh. Today, I decided to check my credit and noticed that it was set to refresh every 90 days. I called again and was told that the previous representative had changed my refresh period. I explained that I had requested to keep my membership as it was initially. The representative, who sounded Indian like the previous one, responded in a scripted manner, which I assume is how they are trained to handle Western customers. My initial suspicions were correct - Experian themselves terminated my membership and when it was reinstated, they increased the price by $3 per month. I believe they are already expensive for the services they provide. I would appreciate a company that is transparent about price increases instead of sending misleading emails claiming that customers made changes themselves, only to sell them the same membership at a higher cost. I seriously considered switching to one of their competitors at a similar or slightly higher price to make a point. This is not good customer service.

I frequently receive emails from "Experian" stating that my payment history is excellent or that I haven't missed any payments recently. These emails really annoy me because I know for sure that I haven't missed a single payment since I left *** six years ago. I wish they would stop sending them. I'm considering canceling my membership since I believe I know more than they do.

I'm sitting kind of like in the middle with the stars...I don't understand Experians Fico Scoring, I just paid off a major amount of credit debt which I'm in good standing with all my accounts, and my Fico Score went down 17 points just like that instead of going up.The worst part is you can't call them to dispute their action.NOT GOOD EXPERIAN!It isn't fair when you are trying your best to keep a healthy credit and this credit bureau knocks you down.Very disappointed, indeed!

This comapny is a waste of anyones time. I was on my account looking to close because all the credit information they have is completly wrong. First off I cannot find a link anywhere to just cancel the account all together, second every phone number I have no one answers the phone. I hate that I ever signed up for this worthless company and they have private information. This is so irritating to deal with and I am still trying to reach someone. It is all automated robots so they can avoid talking to real people.

Experian is a great company and very user friendly. Rodriguez Law Group, Inc. a local San Gabriel law firm is very appreciative of this resource. Highly recommended.

You cannot reach an agent with Experian. The automated system will not connect you. Something needs to be done about this because I have an urgent matter that needs to be dealt with, and I don't want to talk to a robot either. Thank you.

I think that I wish i could handle more than sixty bytes per second and not go completely insane. I set out twenty minutes ago to write a scathing review on Experian Consumer Services or, as i'm fond of saying, " those people ". Well, after much self-reflection, i realized I have nothing scathing to write about the people of Experian. As a matter of fact I found myself compelled to give them a five star rating. You may ask yourself why I did that and i almost asked myself that very question. "Those People" are at the top of their game and they prove it consistently, day in and day out. The list of services they provide, in and of itself, warrants this rating. I was attempting to obtain a loan to purchase shingles for my house( I have free labor on standby) and the lender had me obtain my score from " my credit score impact ". I had every intention of cancelling my membership before the trial period was up. Much to my dismay that sixty bytes per second thing caught up with me again and I was a bit tardy with my cancellation. Looking back on this experience and the many services that the people of Experian provide has led me to rethink my thinking. Like a lot of my credit choices and decisions that were not in my best interest so to was my decision to cancel my membership with Experian. I'm looking forward to better decision making within sixty bytes per second. Sincerely, Dennis Hall