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Experian

Experian Reviews

www.experian.com
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Experian Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

AI insights based on reviews
Rating Distribution

Experian has a 1.4 star rating from 398 reviews, 11% would recommend, 89% unfavorable. Consumers report widespread dissatisfaction; 50% say customer service should improve and many request a refund.

Key Takeaways for Future Customers

  • Expect difficulty reaching a live agent; Experian reviews note persistent automated AI and phone tree issues.
  • Be prepared to pursue disputes and documentation; membership and subscription cancellations can be hard to process.

Negative Feedback / Risk Areas

  • Recurring customer complaints about unresponsive customer service and bots blocking access to humans.
  • Reports of erroneous reporting, account freezes, login failures, and delayed or denied refunds.

Positive Feedback

Some users can obtain their credit score and occasional successful resolutions, but praise is rare.

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Media from reviews

Experian - Haven't received the help I need
Experian - Updated personal information for access to online account servicesExperian - Updated personal information for access to online account services - Image 2Experian - Updated personal information for access to online account services - Image 3Experian - Unlock from my creditExperian - Unlock from my credit - Image 2Experian - I can not access my account due to them having my user name messed up in their...
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Anonymous
map-marker Renton, Washington

No way to speak to a human

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I have been trying to unfreeze my account for days - webpage, chatbot, & 3 different customer service numbers. Their AI system is beyond horrible.

I have tried every variation possible in their prompts to speak to a human.

And absolutely nothing has worked. Way to go to have a fully useless system, Experien.

User's recommendation: Get rid of AI and bring back actual humans, you know, who can actually understand and help people.

View full review
1 comment
Guest

I have a fraud issue and cant even get past the ai. I feel your pain

jennie l Lfv

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Experian Ignoring Documentation and Leaving a Fictitious LVNV Duplicate Account on My Report”

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AI Highlights
  • - Experian won't remove a duplicate LVNV Funding entry mirroring Surge/Continental.
  • - LVNV reports paid in full; Experian lists it as active negative.

Experian is refusing to remove a duplicate LVNV Funding account from my credit report. This LVNV entry is a duplicate of my original Surge/Continental Finance account, which was enrolled in a DMP through ACCC and paid in full.

LVNV's own reporting shows paid in full, yet Experian continues to list it as an active negative account and does not show the correct status.

This duplicate, fictitious account is damaging my credit, and Experian will not correct it despite clear proof. I am requesting removal of the duplicate LVNV account and proper reporting of the paid-in-full Surge account.

Pros:
  • Responded to my cfpb immediately
Cons:
  • Experian forwarded my dispute to lvnv who had this dispute and did nothing

Preferred solution: Experian must remove the duplicate LVNV account and update the original Surge/Continental Finance account to show paid‑in‑full through ACCC. LVNV reports it as paid, but Experian still lists it as an active negative item. I want accurate correction.”

User's recommendation: keep experian on a short leash they wuill always look for a way to screw you over but will fight to the dickens to reflect anything positive on your behalf even though you earned iit

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1 comment
Charnelle Jvr

Experience is ileagley reporting chargeoffs on my account they cantbflorovid me any proof that thingies there reporting is trus they dont even try to help u they just wanna report untrue info to *** people over so now im going to file civil lawsuit and take back all the money they are costing me because if them reporting untrue info which is stopping iather credit źßjhhhh

Carolyn V Utx

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Unable to talk to a customer specialist, A-I not able to refer me , tried all numbers , no way to actually contact a human, called corporate headquarters, Tried both the 1888 and 1866 numbers.

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Don't bother. AI is asking for the same information; none are pertinent to my question.

Basically, it tells you to call back later, and I have tried multiple times in the last few days. Finally, I was sent to a customer service agent and promptly disconnected.

Good luck, you all; welcome to the rabbit hole. Bring a carrot.

Cons:
  • Lack of being able to communicate
  • Previous data breach

Preferred solution: Simple question Am I being charged monthly or am I paying for it. I talked to them around November 2025. I still had coverage for monitoring due to huge data breach. But I believe it has expired recently. Can't get an answer to confirm,

User's recommendation: Good luck on customer service

View full review
kim W Jem

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Fort Collins, Colorado

Freezing credit report is not enough

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AI Highlights
  • - Credit freeze isn't enough after exposure.
  • - Rocketskycredit removed 13 inquiries.
  • - This improved my credit overall.

I'll always tell people that freezing your credit is never enough because the deed has been done already. Your personal information is already exposed .

However , I had to go extra length to make sure my credit was restored. I looked out on X socials to see if there are others going through the same so as mine, and rocketskycredit really came through with removing all 13 inquiries and collections .

This really improved my credit in general. Experian can do better with their slow customer service support

Preferred solution: Faster Customer service support

View full review
Timothy W Emh

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Cleveland, Tennessee

Need help with my account information

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Could not talk to anyone. Very disappointed. Can’t get what I need done because they will not let you talk to a live person.

Preferred solution: Help with up dating my email address and phone number

User's recommendation: No

View full review
Nancy P Fnj

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Kalamazoo, Michigan

Need to unfreeze my account

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I have to unfreeze my account with Experian temporarily because I am applying for a loan. I cannot get around their stupid bot.

I need to speak to a live person, asap! Help!

Cons:
  • Can never get help from a human being

Preferred solution: My account temporaily unfrozen

User's recommendation: I hope that you have better luck than I did!!

View full review
Michael W Kbc
map-marker Chicago, Illinois

Account access

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Nothing worked. They hung up. It's an endless loop of nonsense and the same outrageous avoidance nonsense.

Cons:
  • Literal nonexisting customer service

Preferred solution: Price reduction

User's recommendation: I don’t know

View full review
Anonymous
map-marker Granbury, Texas

Cannot get logged in

AI Highlights
  • - Cannot log in; automated messages loop with no human assistance.
  • - Support did not fix the email on file.

I have been trying for over an hour to get logged in to my account, they will not let me talk to someone they just keep sending me the same text on how to get logged in over & over. It's not helping me and it seems like no person or anyone there wants to help me, they keep sending me back to the robot lady that just keeps sending me the same text.

I've even told them they had my email wrong and they said nothing. Very very unprofessional and disappointing

User's recommendation: Don't ever need to speak to anyone to get help...

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Fredrick A Nom

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Damaging Business Practices

An item on the credit report is tens of thousands of dollars worth of incorrect information. It has been like that for months.

I've disputed this with Experian twice now. They keep the same balance and report even new months as being late. CarMax is a lot of crooks anyway; there's no sense in even talking to them again. I expected better from a national credit reporting bureau, though.

I disputed this only one time at both [GEOGRAPHIC_DATA] and [GEOGRAPHIC_DATA]; they corrected it within days. Now, months later, there is no actual way to contact Experian. Like, they cannot possibly be wrong? They are legitimately doing harm to me.

Is there no way to file a lawsuit against Experian? I do not even expect this complaint to go anywhere. Just more wasted time.

Who will they hold accountable? Seems to just be the bag boys at [GEOGRAPHIC_DATA].

Loss:
$50000
Cons:
  • All

User's recommendation: What exactly? Aren't they untouchable?

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1 comment
Guest

Quite recommendable !!!

Matthew N Bok

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

False information on credit report

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AI Highlights
  • - Experian has report errors and weak service.
  • - A late payment was an error and not on other reports.
  • - No live support makes resolution hard.
Original review updated May 17, 2026

Fortunately, I was able to resolve this, but Experian has the worst customer service and makes errors on credit reports. The late payment was an error, and it did not show up on the other two credit reports.

They have no live customer service or live chat, so it's difficult to get it resolved.

I also think they confused me with someone and said they were looking at public records. It was a loan and had nothing to do with public records.

I found out of the error because I was denied a loan.

Cons:
  • I was denied a loan due to error

Preferred solution: Apology

View full review
Bruce B Idu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
AI Highlights
  • - Experian reports a breach affecting millions.
  • - BBB says manual adjustments aren’t possible.
  • - User asked for free access to a paid dark web scan.
Updated by user Dec 09, 2025

I can't include a screenshot and I put that as feedback. Is there any way to add attachments?

I don't believe there is. Could that be something that might be added I don't think it would be a tough feature?

In my case with the review on experian and this email I just got about their data breaches and all their poor excuses why and what they're planning on doing I don't know if it went to everybody or I got it because I was on the list of people who got their data stolen. Here is the link for anybody that wants to see the absolute full report and not just the beginning and face paint of an email https://***/content/dam/marketing/na/thought-leadership/business/documents/2025-data-breach-response-report.pdf

Updated by user Dec 09, 2025

Well we all know that the better Business bureau doesn't get involved they just pass the information along. So they replied three times they still stand by their decision that they won't give me a $24.99 free scan on my dark web because of their data breach.

There's more to this than just the data breach It's something that malwarebytes told me and it seems to be an employee that they say they don't have and they are looking into it which I don't think they are. You all know when we call in they record the messages. Well remember something as a consumer You can use those calls to back up your problem. They're not just for their well-being You can actually request a copy and they have to give it to you under the freedom of information Act the FOIA.

In saying so all they have to do is go in their computer put in a phone number and it will pull up all the calls from that phone number and they can listen to each one. But though I suggested that in the BBB and elsewhere it doesn't seem to be resonating they don't give a *** because they don't care. They're just as bad as Facebook and Google they're too big for their britches.

But in my opinion if some company has been approved by the government to handle most sensitive information of every citizen and every human in the world has data bridges and they just put out an email and I don't know how to put it on here but they're blaming AI that people are using to break into their firewalls and get through. And it says they're planning everything It doesn't say anything special.

Updated by user Dec 08, 2025

I received an email today from Experian about their data breach forecast. I'm not going to copy and paste it's too long but here's the link Go ahead and read it and if you don't think it's BS like I do well let me know and we'll go further. Respond to this review please https://***/thought-leadership/business/data-breach-response-guide

Updated by user Dec 07, 2025

I received a response from the BBB from Experian they thank me FEEDBACK ⁉️⁉️⁉️⁉️I REJECTED THEIR RESPONSE My response was that obviously they cannot take care of consumers nor take responsibility for the actions of their company nor their computer system and I find that totally incomprehensible actions and that I find it to be substandard and they should take a very serious look at what they've done to their consumers and take action and responsibility

Updated by user Dec 06, 2025

Today is December 6th 2025 I received an email from pissed customer and they stated they sent it to Experian and have not heard back? I sent a response as what I wrote in my original complaint here on December 2nd today is December 6th.

I've had no response on the BBB side nor in here? I think I might do the same thing with every credit reporting agency since I've had all three of them have a data breach at least two times each. If they're going to be in charge of our information private important information they should have a better computer barricade with a firewall.

We're told we need a two-step verification why don't they do like a five-step verification for anybody to get into their computer? Why don't they have one person with an optical scan that nobody can get into the computer?

Updated by user Dec 03, 2025

I have no choice they're only one of only three credit reporting agencies we have no choice just like social media we have no choice Just like the government we have no choice.It's called a monopoly

Original review Dec 02, 2025
EXPERIAN
Has had another data breach. Which is affected millions of Americans across the world.
I asked to be allowed to use their paid service for free since they allowed that to happen again in order to do DARK WEB SCAN,
I filed this complaint with the BBB and their response was and I quote
"we are unable to make manual adjustments on an individual basis.

"
My response would should be the same response any other American who's been affected by this or not Is the following:
"we are unable to make manual adjustments on an individual basis.

"










"I'm a retired customer service in billing consultant and Consumer Advocate.
To Tell me that you cannot make adjustments in your computer manually is totally unacceptable and unreliable and not a 100% accurate statement.
By telling me you "CANNOT make manual adjustments in your computer means either
1. The expert computer programmers and technicians in which you have within your company are not experienced enough and have no manual abilities to change, upgrade your basic functions and MOSTLY and Obvio
Pros:
  • Non
Cons:
  • Obvious inability to manually control their computer

Preferred solution: To let the rest of the world know what's going on what's logical what's not logical and that they aren't the only one that should have this exact same message sent to them

User's recommendation: Stand up for what is your RIGHTS

View full review
Larry L Fvn

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Ashburn, Virginia

Customer service

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Upgraded to the family plan and spent the better part of two weeks dealing with robo info and bad instructions that produce no results. If they run their credit services like they run their consumer services, it is a sign of incompetence.

Loss:
$40
Pros:
  • Lock you credit reports
Cons:
  • No access to any type of consumer help

User's recommendation: Why bother.....

View full review
Jeanine K Wdf

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I HAVE AN ACCOUNT BUT THE AUTOMATED...

Updated by user May 04, 2026

AVOID EXPERIAN IF AT ALL POSSIBLE

Original review Apr 19, 2026

I have an account but the automated system does not recognize my email as having an account, and my phone number is wrong. So when they send verification, it goes to the wrong cell number. I need to speak to a person.

Preferred solution: My account updated

View full review
Joyce B Cri

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Wayne, Pennsylvania

Horrible customer service

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AI Highlights
  • - I needed to cancel monitoring because I got it via homeowner's insurance.
  • - Cancellation took hours.
  • - Customer service was poor; I won't do business again.

I needed to cancel my credit monitoring because I already have it from my homeowner's insurance. It's been a total nightmare, and their idea of 'customer service' is an absolute joke.

I've been trying to do this cancellation for hours now, and I finally got it done, but you never get to talk to a human unless you're a business. It's so frustrating.

I will never do business with them personally or commercially. I was so angry by the time I was actually able to do the cancellation that I'm still angry now.

Pros:
  • Have credit monitoring if you want to do business with them
Cons:
  • Terrible customer service

Preferred solution: I'd like them to improve their customer service so people don't waste hours of their time doing something that should be relatively simple.

User's recommendation: Don't ever get involved with this company. They totally suck.

View full review
Bri Zkj

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Possible scam alert

Let me call them directly- why waste my time for nothing nobody talked to me and theres no way to enable speaker on call???

What a crock .

View full review
Debbie R Ory
map-marker Atlanta, Georgia

Unfreeze my credit score

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AI Highlights
  • - I cant understand what she says; the phone speaker seems broken.
  • - The line is staticky, and I cant hear or be heard, which affects my credit score.

I can't understand what she is saying. Something is wrong with her phone.

Fix the phone speaker; I can't get her to hear me, and I can't understand the recording. I guess the speaker is broken. When she talks, it sounds like she is staticky. I need to fix it.

It's very important for you to be able to get your credit score. I pay for this, and I can't get it to understand me, and I can't understand it.

Loss:
$2500
Cons:
  • None at this time

User's recommendation: Fix problem with phone

View full review

About

Related Companies

Experian PLC, AutoCheck, Free Credit Score, CreditReport, ConsumerInfo

Summary

Experian is an American publicly held company. The company was founded in 1980 as Information Services Company. The company is headquartered in Dublin, Ireland. Experian is also known as CCN Systems. The company is actually a global credit information group. Experian operates in more than thirty countries. The largest operation of the company is Experian North America. This is a consumer credit reporting agency. Experian North America is recognized and one of the leading credit reporting agencies in the United States. Experian also operates in Europe, Argentina, Brazil, Chile, China, Japan, and Australia. Experian specializes in credit services, marketing solutions, decision analysis, etc.

Experian reviews and complaints

Experian is ranked 849 out of 5889 in Financial Services category

Area Served

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