Experian Corporate Office | Headquarters Contact Phone Number & Address

Chris

4/16/12

Where is the 0 rating option?

Over 5,100 Better Business Bureau claims have been filed under the name "FreeCreditReport.com". Experian is running this same scam under several other domain names:
Experian.com
Scoresense.com,
FreeScore360.com,
CheckYourCredit.us,
CreditReportCenter.us,
CreditScoreCenter.us,
CreditScoreOK.net,
CreditScoreTracker.net,
TripleScores.us,
YourCreditScores.co,
FS360.co,
FreeCreditScore.com,
FreeScore.com,
FreeTripleScore.com,
ProtectMyID.com,
CIC TripleAdvantage, etc.

They have started over 200 domain names, some that are deliberate miss-spellings of AnnualCreditReport.com. Many of these domains have hundreds of BBB claims as well.

Here is why it's a scam...

In 2004, Congress mandated the 3 major credit bureaus - Experian, Equifax and TransUnion to create a public website to allow consumers to order their credit reports online for free, once per year. They did, it's called, "AnnualCreditReport.com". Not long after, Experian launched FreeCreditReport.com and it's other credit monitoring sites. These sites all use the same miss-leading strategy.

Here is the strategy:

1. Users goes to their site looking for a "Free Credit Report".
2. To access their report, the user must enter their information, ssn, first name, last name, email, former addresses, etc
3. The site now informs you that they need your credit card information for a $1 "Instant" credit report.
4. Using your credit card and identification information, they create an account to their "Credit Monitoring" services.
*Note: The credit monitoring service costs ~ $15/month, which you are automatically signed up for unless you call and cancel within 7 days. Most people don't realize they just signed themselves up for this because it is hidden in the small print of the "Terms of Service".
5. Once your identity is verified. A button that says "Display your Credit Reports" is displayed.
6. The user clicks this button because naturally they think this is the last step to finally seeing the credit report.
*Note: What they don't realize is that, by clicking that button, they just cost them an additional $15. Here is Experian's explanation when you call them, "It's $1 to see the Experian report, but an additional $15 to see the other 2 reports, Since you've already seen the reports, we cannot refund that fee".

What Experian is doing is immoral and misleading. They fail to adequately disclose negative option enrollment. They have extremely deceptive advertising, a misleading domain name and they fail to honor cancellations.

kc	12/6/11
I was recently charged for a credit report that I never asked for. I have notified my bank. Now I know that I should not even request a free (annual) report from Experion. LIVE AND LEARN.. I have read the volumes of negative reports about this company submitted to the FTC. BUYER BEWARE

kc	12/6/11
I recently had a checking debit for a credit check that I never requested. I will handle the matter and know that I should not even request a free (annual) report from your company. BUYER BEWARE!!!!!! I THINK SOMEONE SHOULD BE CHECKING THEIR CREDIT

Willis L. James

7/18/11

on a scale of 1 to 100 I give your excuse for a company a -100. It appears that your web site was deliberately designed to be as difficult as possible to use. I rate it as the worse web site on the web. It has no redeeming features. Your customer service by phone will take 25 minutes to get a live agent and the process will put you on your way to an ulcer. Why doe the ICC, the FTC and the U.S. treasury dept allow Experian to exist as, of all things, a credit reporting business,which sends reports that contain many errors and harm citizens. CLOSE IT DOWN, IT'S WORTHLESS AND CAUSES GREAT DAMAGE.

Nan Bramlage

6/2/11

What does Experian have to hide? Why is there absolutely NO way to contact them other than via web site - and if you don't have a "report number," you can't even do that...even tho you got one of those 3-in-1 reports as advertised, and there is a major error in it. Experian should be SHUT DOWN. At least TransUnion and Equifax afford consumers the opportunity of reaching them by US mail, in writing - which also allows one to attach documentation to disputed issue reports.