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Initial Complaint
02/01/2025
Complaint Type:
Billing Issues
Status:
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.
I sent Experian a dispute letter because I noticed several inaccurate and incomplete information showing on my consumer reports. Experian did not respond within the 30-day that is allowed. 15 *** 1681i clearly states that before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information , or delete the item from the file in accordance with paragraph (5), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The **** is currently suing Experian for not properly investigating disputes and failing to remove or reinsert errors on reports. And according to the **** everything on the credit reports is supposed to be 100% accurate. I attached a *** report including evidence of Experian receiving my dispute letter and totally disregarding my dispute until I filed a **** reports. I will also attach a complaint supporting the fact that EXPERIAN are currently being sued by the **** for not properly investigation disputes and fails to remove or reinserts errors on reports. Exhibit A, B are the second dispute letter I sent to EXPERIAN through the **** portal with my complaint that was closed out leaving the inaccurate unverifiable accounts on my consumer reports. But yet suing for the same situation that i'm currently facing with all the laws they broke. 15 USC (e)(b), 15 USC 1681s-2, 15 USC 1681i (a)(1)(A) just to name a few.
Customer response
02/03/2025
Hello My name is ***** ****. I am requesting assistance from BBB and I authorizing the submission of this complaint.
Experian have been causing great harm to me and my family. Stopping me currently from getting a auto loan so I can have a decent car to go back and forth to work so I can take care of my kids! Experian is currently being sued for them not properly reinvestigating the consumers disputes such as myself. With your help I will like for Experian to promptly delete these accounts on my consumer reports. It has been well over 30 days that is allotted by law proves Experian cannot vaildate or verify these accounts. So anything other than deletions and correct updates will result in me seeking monetary damages for each inaccuracy that shows on these credit accounts
Business response
02/11/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
02/01/2025
Complaint Type:
Billing Issues
Status:
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.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness,and I will seek damages if they are not removed and you are unable to provide the necessary documentation.
Customer response
02/01/2025
my name is ******* key, this is my written confirmation and I am not working with a third party.
Business response
02/12/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

Our records indicate that the accounts with National ********************** Systems, ***** and *******, ****************** Services,and ************ Credit do not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

We are currently removing the employment information from the consumers credit report. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

We store information based on identification and address information provided to us by credit grantors and providers of public records. One or more sources of information reported the name and Social Security information, and it is a part of the consumers credit history. If the consumer believes this information is inaccurate, they may want to contact the source of the information directly. They may contact us by phone if additional assistance is needed to determine the specific sources of particular identification information on the credit report.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. ************************.

For information related to fraud,please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
02/01/2025
Complaint Type:
Order Issues
Status:
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.
Wow! This company is horrible. I lost my home in the California fires and recieved a loan extension from my creditor extending my payment deadline into late February2025. It's still January and Experian has allowed them to put a FALSE derogatory **** on my credit file and refuse to delete it even after l've showed them proof. They "investigated" in less than 48 hours. I'm unable to speak to an associate because their lines REFUSE to transfer you and now I can't get a new home with this **** that's been the first in my life. Pure evil and heartless how they play with our lives like this. Just learned they're being sued for the horrible way they treat others like me!
Customer response
02/01/2025
I can confirma I authorized the submission of this complaint. My description is as followed in the complaint. Experian refuses to answer my calls and is blatantly ignoring my evidence of a FALSE negative details posted to my credit score. As I stated befor this company is horrible. I lost my home in the California fires and recieved a loan extension from my creditor extending my payment deadline into late February2025. It's still January and Experian has allowed them to put a FALSE derogatory **** on my credit file and refuse to delete it even after l've showed them proof. They "investigated" in less than 48 hours. I'm unable to speak to an associate because their lines REFUSE to transfer you and now I can't get a new home with this **** that's been the first in my life. Pure evil and heartless how they play with our lives like this. Just learned they're being sued for the horrible way they treat others like me!
Business response
02/11/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

Our records indicate that we have not previously received this complaint from the Better Business Bureau.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

Furthermore, we apologize for any inconvenience Ms. ******* experienced in her previous contact with Experian. Appropriate actions are being taken to ensure that any customer service issues are addressed. In the future, she may contact me directly at the number listed below and I will assist her in any way that I can.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

****** *****
Senior Regulatory Affairs Associate
Experian Consumer Affairs
************
Initial Complaint
01/30/2025
Complaint Type:
Billing Issues
Status:
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.
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. DELETE ALL INFORMATION IN THE EMPLOYER SECTION.Pursuant to the Fair Credit Reporting Act 15 USC 1681(a)(4), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 *** 1681 and all its subsections.
Customer response
01/30/2025
my name is ******* ****, and this is my written confirmation.
Business response
02/10/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the disputed employment information and the accounts with ************ Santander Consumer, and **** Funding do not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

We store information based on identification information provided to us by credit grantors and providers of public records. One or more sources of information reported the Social Security number and date of birth, and it is a part of the consumers credit history. If the consumer believes this information is inaccurate, they may want to contact the source of the information directly. He may contact us by phone if additional assistance is needed to determine the specific sources of particular identification information on the credit report.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

For information related to fraud, please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
01/29/2025
Complaint Type:
Order Issues
Status:
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.
Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act (FCRA) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ************************************ (****) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as **********************'s inaction violates federal law and my rights as a consumer please remover immediately account from my report Navigant Credit Union Account #**************** $3009.00 *************** account#******************************************* reveling I say true because *************** send letter approved my claim
Customer response
01/29/2025
Yes authorized your company represent me
Business response
02/10/2025
RE: **** Padilla Complaint ID # ********
REF#: 196368310

Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

By federal law, the consumers personal credit report must list all organizations that have requested their credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted the consumer credit or with whom they have applied for credit, or entities collecting on transactions that they initiated or on judgments rendered against them, are permitted to make inquiries on their credit report. Requests for a consumers credit history remain on the personal credit report for at least two years.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Experian Consumer Affairs
Initial Complaint
01/29/2025
Complaint Type:
Billing Issues
Status:
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.
Creditor has refused to except resolution, Creditor has committed Freud by providing incorrect opening date of account, ******************************************* report refused to except documents to show Creditor refused to except resolution
Customer response
01/29/2025
BBB Complaint ID; ********
Detailed interaction

I have contacted the creditor Wakefield & Assoc ************************************************************* several times latest on 09-14-2024 (see attachment letter) to resolve this by providing the billing ingo needed to resolve this. Been ignored. The creditor keeps changing the date of original debt on credit report. Filed a dispute with the BBB for the creditor Wakefield &Assoc. The creditor would not reply to the BBB & was closed out.

Disputed with Experian directly & was denied. I provided the same info. Saying it was my debt. Well, I know this & Experian would not investigate.

****** R ******
***********, Ga 0501
Business response
02/07/2025

Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

Experian Consumer Affairs
Senior Regulatory Affairs Associate
Initial Complaint
01/28/2025
Complaint Type:
Billing Issues
Status:
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.
I got a fraud alert about address change on my credit report. I contacted Experian with no resolution. I do not nor never have I lived on ************* in ******.
Customer response
01/29/2025
This is to confirm I filed a complaint against Experian. An address for a business I am not associated with has been added to my credit report. I sent them written notification, they have failed to resolve the issue. The business is counselors on **********************************. I have no association with them.
Business response
02/10/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Experian Consumer Affairs
Initial Complaint
01/28/2025
Complaint Type:
Billing Issues
Status:
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.
Experian is ignoring my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Business response
02/05/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the account number provided does not match an item on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes: not mine, paid/satisfied, vacated or filed in error. If the status dates,amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.

Please provide the consumers specific disputes along with their complete identification information (Social Security number, full name, current address,previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
01/26/2025
Complaint Type:
Order Issues
Status:
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.
I have filed multiple disputes to Experian they have ignored each of them. I have no dealings, contracts, arrangements with the companies listed in my complaint that I have attached. I have contacted them individually and the cannot provide me with any proof of me opening an account, or any contracts that bears my wet signature. They have informed me that they cannot remove these accounts that are clearly fraudulent and to deal with the bureaus directly which I have and am attempting. Along with this complaint I have attached my ID and SSN Card. If no deletions happen with no follow *** from Experian I will file a complaint with the *** and take any further steps necessary to maintain my good name and credit. This might be nothing for a company of your magnitude but this is everything for me. I expect a quick resolutions to this. Thank you in advance.
Customer response
01/27/2025
Good morning, like I stated before in my own words, these accounts that ********************** are reporting do not belong to me. They all have good payment history and is probably helping my score BUT I did not open these accounts nor do I want them reporting, good payment history or not. These accounts are blatantly fraudulent and I am not interested in them staying on my report. I am using BBB on this matter because Experian has not responded to my multiple complaints already!
Business response
02/08/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit profile.

We are currently reinvestigating the disputed SEQUIUM ASSET SOLUTIONS and FIRST PREMIER BANK accounts with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

Our records indicate that the disputed CREDIT ONE BANK NA, ****************** and *************** accounts does not appear on the consumers current Experian credit report.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

********* *********
Experian Consumer Affairs
Initial Complaint
01/26/2025
Complaint Type:
Billing Issues
Status:
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.
Dear ********** I am writing to inform you that I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2(a), I am requesting that all accounts, inquiries, and any other information on my credit file associated with the identity theft be blocked and deleted immediately. The specific accounts and items in question are: 1. Account Name: FREEDOM TRCK, Account Number: ******************** 2. Account Name: JPMCB CARD, Account Number: ************ 3. Account Name: JPMCB CARD, Account Number: ************
Customer response
01/28/2025
I am writing to provide confirmation that I authorized the submission of this complaint and am requesting assistance from the Better Business Bureau regarding this matter.
The concerns I am raising involve my rights as a victim of identiy theft being violated I believe that the business's practices were unfair and inconsistent with standard customer service or ethical ********************** practices.
I also confirm that the original correspondence, which details my specific concerns, is enclosed. Please feel free to reach out if any further information or clarification is needed.
Thank you for your time and assistance in resolving this issue.
Business response
02/08/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit profile.

Our records indicate that the disputed Jpmcb Card, ****** and Freedom Truck accounts and the inquiries for Bk of America and Credit ******** does not appear in the consumers current Experian credit report.

By federal law, your clients personal credit report must list all organizations that have requested your clients credit history. In accordance with the Fair Credit Reporting Act (FCRA), entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example,organizations that have granted your client credit or with whom your client has applied for credit, or entities collecting on transactions that your client initiated or on judgments rendered against your client, are permitted to make inquiries on your clients credit report. Requests for your clients credit history remain on the personal credit report for at least two years.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

Thank you for allowing me the opportunity to assist you with this matter.

Sincerely,

********* *********
Experian Consumer Affairs

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