Total complaints
136
Filed since * *
2026 data Public-data reference. official source
Experian
136 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
136 consumer complaints filed with the CFPB
This profile shows Experian's complaint history from CFPB public records. 136 consumers have filed complaints since * * . The company has a 0% timely response rate and has provided relief in 0.7% of cases.
136
Total Complaints
0%
Timely Response
0%
Disputed
0.7%
Relief Provided
79
States Active
* *
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0.7%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.7%
Industry median
Share closed with monetary or non-monetary relief.
Experian complaint mix by product
- Experian 20 31.7% – 0% relief
- impartiality 19 30.2% – 0% relief
- XXXX 7 11.1% – 0% relief
- the inclusion 5 7.9% – 0% relief
- the head 5 7.9% – 20% relief
- says 4 6.3% – 0% relief
- I demand 3 4.8% – 0% relief
How Experian's 136 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Experian | 20 |
| impartiality | 19 |
| XXXX | 7 |
| the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies | 5 |
| the head of an executive | 5 |
| says | 4 |
| I demand the IMMEDIATE BLOCKING AND REMOVAL of the following : ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX These accounts contain inaccurate late payments | 3 |
| automatic removal and permanent blocking of the following inaccurate | 3 |
| along with my government-issued ID | 3 |
| 611 | 3 |
| I have sent detailed dispute letters to TransUnion | 3 |
| immediately : XXXX XXXX XXXX ( TransUnion | 3 |
| settlement | 3 |
| XXXX XXXX | 2 |
| including original balance | 2 |
| I filed a dispute with Experian | 2 |
| MISLEADING | 2 |
| and Experian credit scores are pulled by lenders. The scores the lenders see are over thirty points lower when pulled by a lender. In speaking with my lender | 1 |
| you are required to investigate and ensure the accuracy of any information you report to consumer reporting agencies. I dispute the reporting of the above accounts as inaccurate | 1 |
| furnishers must report only data that is accurate | 1 |
| the consumers | 1 |
| Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXX XXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again | 1 |
| it states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness | 1 |
| I submitted a formal written demand for full debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) | 1 |
| it wasnt. Only my XXXX went down from XXXX | 1 |
| XXXX has shared significant personal financial information | 1 |
| ensure you review the members rules and any other agreement you have with XXXX carefully to confirm whether such disclosures were made and whether an opt-out method was provided. You may then proceed to raise this issue based on the guidelines provided in the 15 U.S. Code 1681s3 | 1 |
| FDCPA | 1 |
| nor do I provide now | 1 |
| THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports | 1 |
| Section 604 ( a ) ( 2 ) of 15 USC 1681 states that In general | 1 |
| 15 USC 1681 Section 604 ( a ) ( 2 ) states : Subject to subsection ( c ) | 1 |
| 15 USC 1681 section 602a states | 1 |
| I tried to dispute that I was a XXXX nationality and from my birth year | 1 |
| 1681s-2 XXXX ( Experian | 1 |
| In general | 1 |
| which is not true. The FCRA states that all information that is being reported on my consumer report must be 100 % complete and accurate. According to Congress | 1 |
| I have also been a victim of identity fraud. I initially reported identity theft in XXXX and was again a victim in XXXX | 1 |
| when I disputed this issue with XXXX | 1 |
| but settlement discussions have stalled | 1 |
| please provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL the above information in a timely manner as detailed in several laws | 1 |
| specifically referencing 15 USC 1681 | 1 |
| the Fair Credit Reporting Act | 1 |
| I am invoking my rights to cease all communication under 15 U.S.C. 1692c ( c ) and demand that you immediately stop all contact with me | 1 |
| only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. XXXX | 1 |
| so I am requesting the general or specific certification that was given to you | 1 |
| whether implied | 1 |
| XXXX XXXX XXXX XXXX | 1 |
| the inclusion of adverse information | 1 |
| violations could implicate constitutional protections | 1 |
| ( on XX/XX/XXXX I was alerted to by credit monitoring services ) I immediately contacted Nelnet | 1 |
| Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND METRO2 STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again | 1 |
| Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXXREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND METRO2 STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again | 1 |
| as documented by my bank statements and confirmations from my payment method. However | 1 |
| the XXXX | 1 |
| and communication with the FTC | 1 |
| specifically sections 15 U.S.C. 6801-6809 | 1 |
| and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the consumer file. in other words this | 1 |
| Credit reporting info is sensitive data. The issues of ACCURACY AND COMPLETENESS of abstracts AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit data can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again | 1 |
| date opened | 1 |
| in XX/XX/XXXX | 1 |
| as defined by 15 USC 6809 ( 4 ) | 1 |
| incomplete | 1 |
| Credit reporting memorandums is sensitive data. The issues of ACCURACY AND COMPLETENESS of conclusions AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXX XXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE Data XXXX XXXX Address XXXX XXXX XXXX Past Due Amount : Not Reporting Not Reporting Date of Last Payment : Credit Card Not Reporting Not Reporting XX/XX/XXXX Page XXXX of XXXX available AND ADHERES to the STANDARDS for Credit Reporting ( again | 1 |
Top States
| State | Complaints |
|---|---|
| ( Furnisher of information to credit agencies ) whether it be verbal | 21 |
| XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. | 5 |
| and XXXX representatives ) MAINTAINS an INDUSTRY-WIDE automated consumer DISPUTE resolution system | 4 |
| have further violated 15 U.S.C. 1681i by failing to reinvestigate and remove unverifiable | 3 |
| and TransUnion : Disputed Accounts : XXXX ( # XXXX ) DEPTEDXXXX ( # XXXX | 3 |
| and TransUnion has refused to block or remove the fraudulent inquiries. They continue to claim the FTC report is unclear | 3 |
| and TransUnion are all reporting different late payment histories | 3 |
| and XXXX have violated my rights. | 3 |
| and TransUnion letters. | 3 |
| and Equifax in reporting the above items violate several key provisions of federal law | 3 |
| Equifax ) XXXX Charge off Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion | 3 |
| and TransUnion are reporting different statusesCharge-off | 3 |
| TransUnion XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX | Equifax | 3 |
| XXXX | 3 |
| Equifax Account # XXXXXXXX XXXX Balance : {$190.00} Reported to : TransUnion only Unknown Creditor ( Equifax Only ) Account # XXXX Balance : {$620.00} Reported to : Equifax only DPT EDXXXX ( Dept. of Education/XXXX ) Multiple Accounts : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} These appear to be duplicated and/or inflated entries in violation of the FCRA 1681e ( b ) and must be audited and removed immediately. | 3 |
| Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Transunion | 3 |
| and TransUnion. | 2 |
| XXXX XXXX | 2 |
| and TransUnion to immediately : o Block all identity-theft accounts and inquiries o Delete all inquiries lacking documented permissible purpose o Provide written confirmation of deletions 2. Require all furnishers to : o Cease reporting fraudulent accounts o Provide proof of liability or permanently delete 3. Ensure compliance monitoring for repeated FCRA violations 4. Preserve my right to pursue civil remedies under 15 U.S.C. 1681n and 1681o ENCLOSURES Identity Theft Report Proof of Identity Credit Reports with Disputed Items Highlighted Prior CRA Disputes FTC Notice to Furnishers FCRA 605B | 2 |
| Equifax ) XXXX. XXXX Collection/Chargeoff / Consumer disputes this account information ( Equifax ) XXXX. XXXX XXXX Charged off as bad debt ( TransUnion | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Experian | 22 |
| XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ) | 9 |
| XXXX | 7 |
| subject to subsection c | 4 |
| and unauthorized data. I dispute every late payment | 3 |
| unverifiable | 3 |
| and a bill to Equifax | 3 |
| as well as Metro 2 reporting standards. The account is open | 3 |
| as of the XXXX from XX/XX/XXXX onwards ) | 3 |
| and Equifax. In each instance | 3 |
| Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion | 3 |
| contradictory | 3 |
| or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness | 3 |
| Transunion and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ) | 3 |
| high balance | 2 |
| fees | 2 |
| non-verbal | 2 |
| impartiality | 2 |
| and XXXX 's concerning inaccurate and outdated information reported by XXXX XXXX | 2 |
| balances | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Experian
Experian has accumulated 136 consumer complaints in the CFPB public database, with filings active across 79 U.S. states. Of those submissions, 92 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to * * , and the most recent logged activity is XXXX. DISP, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Experian reports a 0% timely-response rate and has closed 4.4% of cases with a written explanation to the consumer. 0.7% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Experian", and the single most common underlying issue is "Experian".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Experian: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Experian have?
Experian has received 136 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Experian respond to complaints on time?
Experian has a 0% timely response rate to CFPB complaints.
What is the most common complaint about Experian?
The most common issue reported against Experian is "Experian" in the "Experian" product category.
Read our methodology — how this data is sourced, computed, and verified.
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