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Allen of Village of Lakewood, IL August 31, 2009

I am trying to dispute information in thier database. I ordered my credit report from a "3 credit report" service which shows erroneous information in the Experian data file. Experian requires you to pay for their credit report in order to dispute thier information. This seems like blackmail to me. They are causing me to pay more for credit rates by reporting erroneous data.

Melissa of Nashville, TN August 25, 2009

I purchased a copy of my credit VantageScore from Experian for 7.95. I called Experian to let them know that one of the factors listed that lowered my VantageScore was incorrect. They told me that it was because Citi Mastercard does not list a credit limit on my account and therefore if I have any credit spent on my card it reflects as maxed and has for the entire time I've had my card. The truth is (which I explained to the Experian representative and confirmed with the Citicard representative as well) that I have a credit limit and a NPSL (No preset spending limit) that is reported to all three credit agencies each month. The problem is that Experian chooses only to list this as an NPSL account. So, for being an excellent credit card customer with Citi, I get demoted on my credit score with Experian? That's a catch 22 and Experian should not be able to pick and choose what it reflects. Especially if one of the choices does NOT benefit the consumer. They do not adjust to reflect the positive aspects of all the different credit accounts out there. I'd love to see this become a new law and force the credit reporting agencies to change their working rules and regulations concerning this.

Laura of Green Bay, WI August 23, 2009

Aargh. Experian is the worst EVER. We are refinancing our home. Our banker pulled our credit report to find that all 3 agencies have something against us that is wrong. She gave us copies of our credit report so we could contact the agencies and file a dispute. Contacting TransUnion and Equifax was so simple. TransUnion even provided us a free copy of our credit report since we were refinancing and also filing a dispute with them. (we already had a copy from our banker, but it was so nice of TransUnion to work with us !!)

But Experian? NO phone number gets you to ANY human being. And, in order to possibly speak with anyone, they are trying to force us to BUY a copy of our credit report from them. We have one that's only a week old...WHY should we have to buy one from them in order to correct an inaccuracy on THEIR end ?? I've sent 3 emails...and have been summarily ignored.

ANNA of BROOKLYN, NY August 22, 2009

I hold 4 major credit cards, of which I have always paid on time and as of about 9-12 months ago had a credit score of 790. Just recently I have received letters from 3 out of the 4 credit card companies that I hold notifying me that they are lowering my limit and changing my interest to a much higher rate. When I received the 3rd notice yesterday I called American Express who by the way has changed my fixed rate to a higher variable rate now. I asked the rep Tim why I was being penalized and asked him if I had ever been late with a payment. This is when I found out that Experian is responsible for all this.

The rep Tim at Amex told me that because I am now reduced to making minimum monthly payments (because my rate have now gone up so drastically) Experian feels I am now a bad credit risk. It's computerized slander. I have never had a problem with Equifax or TRW, had a problem with Experian years ago because they are very slow with removing things off their records. I really feel this is unfair I have always strived to pay my bills on time even if it meant giving up eating to do so. As I now all of a sudden have been such a threat to the world of finance, this will no longer be the case as I feel there is no one to help the public from Experian.

Jeanne of Warners, NY August 19, 2009

My company Helping Hands Janitorial & Property Maintenance, Inc. is a small company. I have very few if any companies that send reports into Experian. I had a creditor send in a slow 30 days payment to my experian business account in error. The error has been corrected but my business score is 43%. I can't get any credit now because of this high risk score. My company deals with companies that have no need to send in my payment timeline. I have never had a problem attaining business credit in the past. My payments are made on time, always.

On the Experian business credit report I have 0 Bankruptcies, 0 Leines, 0 Judgemtns filed, 0 collections but a crappy 43% score because I don't have trades that particiapte. I even purchased the business credit advantage report so I can track my report and make sure everything is ok. BUT IT'S NOT! I feel thatExperian is holding this against my company. Dun & bradstreet have my company as a paydex of 80. This is the highest rate possible. They had my rate lower but changed it back to the rate it was before the error filed by my creditor.

Why can't experian do that? I feel that this is a misrepresentation of my company because of this score they have assigned my company. Because trades don't send in information to them then my credit deserves a 43% score when it should be 100%?. I don't appreciate the way they compile information. If I don't have any past due, leins, judjments, etc. then I should no way have a credit rating of 43%,

I need help in figuring out how to correct this or get my company off their list. They are hurting my business. There has to be an exception somewhere if everything if ok and no problems are found or reported in. For the most part, anytime you get a trade reporting to them is if there is a slow or late payment. Then they are very quick to put it on their site. The only time you get to talk to a real human being is if you want to purchase something. other than than you go round and round with the phone message only to get another message. This is definitely not right. I was told they don't have a consumer complaint phone number......I wonder why?

Dorothy of Los Angeles, CA August 18, 2009

I belong to a credit monitoring service (not Experians)and received a notification that a fraud and/or victim alert was filed with Experian on my name. I tried to get a hold of a human being but could not get through their automated system - I finally requested the "free" (shoudl be called fraudulent credit report in order to get to a human being.

After order I was given the 800 to speak with a human - however, surprise that human was not with Experian after asking for all sorts of security details - I told her to cancel the subscription and asked for her name to which she had the audacity to reply that they don't give that invo out for security reasons - this after she takes my name and social security number

I want an explanation as to who put the alert on my account and can't get any info of that nature

Rachel of Acworth, GA August 8, 2009

Today for the first time I attempted to obtain my credit score. I successfully received my score from Transunion and Equifax. However nothing appeared for my Experian. I wonder why...they have my last name spelled wrong! I couldn't obtain any sort of report from them, due to "incorrect information" I'm assuming, and it's pissing me off because in order to even begin to be able to speak to a person, I have to have the number of a credit report that I can't even get! ALL I WANT TO DO IS CHANGE MY LAST NAME'S SPELLING TO THE CORRECT ONE!!!!

Sherryann of Dorchester, MA July 23, 2009

Experian and Eqifax does not post a phone number to speak to a live person. Based on my research, you already receive complaints about this daily. What is being done? I tried to order my report via annualcreditreport.com and it tells me that I have already requested it. This i snot true and I waited another year to order it and it still tells me that I already received it.

sharon of battleground, WA July 16, 2009

THere are several items on my credit report that are not mine...I have send investiagtions ..when reproted back experian just says verified..Some even say bankrupcty which I never filed. This is reuin my creidt adn no one seems to be able to get them off. This is so unfair and I am so upset

Robert of Duxbury, MA July 8, 2009

I signed up for a free credit report with a 7 day cancellation peiod. When I called the above tel. number I was informed that I would be charged 39.95 for a one time fee. This is the ethics of one of the three major credit reporting services? When I went to get my other FICO scores from Eqifax and TransUnion, I could not get them. Totaly fraudulent scam.

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