Experian

PETER of Ayer, MA October 9, 2009

I wanted to find out why Experian deducted points from my credit score for enquiring into mortgages with various companies. I looked at 5 possible mortgage companies last year. This year I can't even get a store card because they hammered my score so badly. I have never done anything to warrant being discriminated against in this way.

I looked at the process and it occured to me that Experian have no legal right to count enquiries as a reason to deduct points from someones credit score. This practice prevents people from finding the best deals, and if they do it, they will not be told by Experian that this has been done until they apply for credit. E.g. Buy a home, live in it, find the roof leaks and needs fixing, apply for a short term loan for the money to fix the problem, get slammed by the banks!

This is a discriminatory practice and Jason Scott will not pass my request onto the Board of Directors at Experian to ask them to cease and desist in this practice. The Fair Credit reporting act does not give these credit reporting companies the right to deduct points from peoples credit scores for making enquiries for credit. I put it to the people of this country that you are being discriminated against in an insidious way by Experian and you need to stand with me and bring these people to Justice. They destroy your good standing and then you end up paying more for the credit products you need to survive.

Stand up to them, support me and get the Supreme court to decide if this practice Experian has adopted is legal. It affects you. No one at Experian is responding to my request to have this debated and ruled on in the next meeting of the Board of Directors at Experian. Even the CEO, Don R.'s email address bounces. Finding email addresses for any of the officers is difficult, and actually pinning someone down for an answer to this crime is currently being diverted by Mr. Jason S. who refuses to pass my request to the board of Directors.

This is the letter I wrote to the Board: An Open letter to the Board of Directors of Experian, and the White House and the media of the United States . "I find I have to write to the Board of Directors about their policy, and as it affects myself, and every other person within the record systems of the company known as Experian, I would like to point out to you that you are breaking the law. As such I must ask you to cease and desist or I will seek a class action against your firm. Further, I will also seek personal damages against each and every individual officer of the firm because each and every individual officer is jointly and severally liable for the actions of the firm known as "Experian." The practice of debiting a persons credit score for "inquiries" into a persons credit worthiness must cease immediately. You have no legal right to impose an arbitrary debit of a persons credit score for "inquiries" into their current credit worthiness. You are, and I repeat, You ARE discriminating against the person, and that means potentially everyone you hold records on, by your actions and currently implemented policies...."

Darasay of Chicago, IL October 6, 2009

There are numerous incorrect personal information on my Experian Credit Report and there is no way that I can dispute and get the information corrected. Certain mails and bills are going to the incorrect addresses and therefore screwing up my credit and creating many problems for me. They provided an 800 number on my credit report to call and dispute, but after going through the whole automated process still does not dispute the problems.

I've called their main 888 number and the same thing happens. Online does not allow me to dispute anything. I called another number and the guy could not help me out, but instead told me to call the 888 number again. This is the most god-awful company and I simply do not trust them to handle my personal information and credit report.

3 of my accounts are in delinquency and were reported to a collection agency. I'm not receiving some of my bills, mails because it's being sent to other people's addresses.

Jennifer of 3079 Meadow Brook, MI October 5, 2009

I pulled my credit report this past week as I do every year. It comes up with someone else's name, social security number, DOB, addresses, and credit information. I have been fighting with Experian since 2001 to have this stuff taken off. They say it's deleted but when I try to pull another report it comes back as someone else over and over again. This last time, Margaret from India, told me that this was Experian's fault because they cross referenced my name with someone elses. I asked her if it was a crime for Experian to gleefully give other people's social security numbers to others? She wouldn't answer. She continued for 2 hours to go through EVERY aspect of the 92 items that are not mine and stated that they were deleted. But they are not. So, at my wits end, I am waiting for a call from an attorney who deals with this stuff. I don't have much money. I can't get a loan because this lady that shows up on my credit, has 528,000 of open credit. Sooo, as a result I cannot even get a 200 loan for myself as I have tried in the recent past. I hope this attorney doesn't charge me an arm and a leg up front, because if he does I can't do it.

Stephen of Indianapolis, IN September 10, 2009

The complaints about Experian are all true. A student loan for one of my children was rejected because they had an error in my credit records. After a half hour of wading through dozens of offers to purchase one or more of their credit report services I finally located my free credit report (as mandated by the government). I identified the error, collected the necessary documents to correct it, and, after searching all over for their mailing address, sent it to them. Their on-line dispute reporting option is totally inadequate for any sort of detail. Several weeks later I received a reply saying that it could take 45 days to correct the error, and implying that it would have gone faster if I had purchased one of their credit reporting services. Eventually they did correct the error. However, I have reason to believe they also passed my name and address along to their own junk mail distribution service, as my credit history was favorable again.

ROLANDA of CHICAGO, IL September 1, 2009

Cannot get my free credit report and has tried to temp left security freeze and the pin number they have given me isn't working properly and I have tried numbers of attempts to contact them on this and haven't gotten any response at all.

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?

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