Experian Customer Service Issues

Although Experian has unlocked my Lock/Unlock account, my bank continues to make multiple inquiries, resulting in each one being blocked. Despite spending numerous hours trying to resolve the issue, no solution has been found in the nine days since the problem began. After speaking with Experian, LifeLock, TransUnion, and Equifax, it has been confirmed that there are no fraud alerts on my credit bureau accounts. They suggested that the root of the issue might lie with my bank's inquiry process. I have double-checked all the information provided on the bank's application and still cannot determine the cause of this ongoing dilemma.

Experian advised me to contact them to check if a card was unsecured. Unfortunately, I couldn't input my information quickly, so I was instructed to send it via mail. When using Get Human for the first time, Experian claims I didn't specify my request, even though I did. This situation is quite perplexing. All I wanted was to determine if a credit card offer was unsecured. I'd appreciate any advice you have. Thank you.

Subject: Account Login and Billing Issues Hello, I encountered difficulties trying to access my account. After resetting my login information, I found no reports and was prompted to pay for a new one. However, after logging out, I was unable to log back in. I noticed I have been billed $99.95 annually, with the last charge on 08-18-18 using AX ending in [redacted]. I intended to log in to update my payment details but am concerned about the lack of data in my account and the additional charges for reports. My last report was received on Sep 15, [redacted], at 12:41 PM (Reference Number: [redacted]71). I am dissatisfied with the service and frustrated by the lack of human assistance through the automated phone system. I am eager to speak with a representative to resolve these issues promptly. Thank you, R.N. Johnson

I recently moved, and Experian notified me of the change due to my security freeze. Although my new address is correct, my middle name was listed incorrectly. After sending a letter to address the issue, Experian sent another letter with the same mistake, requesting more information. I have had ongoing issues with their customer service. I am eager to speak with a representative to rectify Experian's error. Please contact me at [redacted]. I have been unsuccessful in reaching a live person through their automated system.

I recently cancelled my paid membership online after receiving my credit score for a dollar. I have written confirmation of the cancellation. I noticed in a new email that my membership continues until Sept 26, [redacted], with no proration of charges. Will Experian charge me the full $21.95 for the month? Your statement about being able to cancel at any time without a fee raises questions. If I am only charged the $1 I initially paid, I appreciate the transparency. Additionally, the difficulty in reaching a person over the phone is frustrating. Providing the option to speak with a human representative would improve the customer experience. Thank you, Donna K. S.

I recently applied for credit with Anderson Windows due to an emergency at home. With the scorching [redacted]-degree Las Vegas weather, I urgently need a window fixed. After applying, Anderson Windows contacted me mentioning an issue with Experian not showing any information. While attempting to resolve this by calling different numbers, I accidentally froze my credit report with Experian. It's frustrating not being able to reach anyone for assistance promptly. I recall being able to speak with someone immediately when becoming a member, however, currently, I am struggling to get through. Please call me at [redacted] instead of sending an email. Thank you.

First Complaint: When I called customer service, I was disappointed to interact with a voice recording system that repeatedly requested my social security number. Given the prevalent issue of identity theft, disclosing such sensitive information to an automated system seems unnecessary and risky. Second Complaint: I reached out to customer service to unlock my account as I applied for a debt consolidation loan. Unexpectedly, I was charged for the first month of lock and alert services without prior notification, which I believed was initially free. Since my credit cards are maxed out, I seek clarity on the charges and prefer paper billing to my home address to avoid any overbilling concerns. Today, on 9/20/[redacted], I intend to cancel my Experian lock and alert subscription due to these issues. I signed up to safeguard my personal data, not to expose my social security number to an automated voice recording system. This practice must be revised to enhance protection against identity theft.

Hello, I'm Seri Wilson. I'm unsure who to reach out to regarding my situation. I made two calls yesterday and spoke with two different individuals. I'm in the process of applying for an apartment, but they are unable to verify my information. Despite what the two representatives mentioned, I was not aware that my account was frozen, which is supported by documentation from the apartment manager. I am eager to have my account unfrozen and this matter promptly resolved as there is a pressing deadline for the apartment. I opted to send an email as I found the phone menu confusing for my requirements, hoping for more direct assistance. I am prepared to share photocopies of my documents and the manager's letter for verification purposes if necessary.

Last week on 9/20/18, I visited the Experian website to obtain a Free Credit Report after being denied a credit card. I received the report online as required by law. Unexpectedly, on 9/22/18, Experian charged me $32.16 for a membership I did not authorize. On 9/24/18, I contacted Experian to cancel the membership and request a refund. The representative, Ann, assured me she would look into the refund but left me on hold for over an hour without returning. The charge remains on my account. Today, I called again but couldn't reach a person due to the canceled membership. When I attempted to speak to a representative by selecting options related to a Credit Report, I was instead informed that my Credit Report was being sent. I fear being charged for this as well. I am extremely frustrated and seeking assistance. Customer service seems unreachable. - Patricia D. Wade

Yesterday, I made the decision to freeze my credit access. I visited www.identitytheft.gov, assuming it was a safe government-promoted site. After clicking on Experian, I entered my birth date, full social security number, PO Box, and home address as requested. When it asked me to create a password and include a special character like ! or %, the page suddenly disappeared. I suspected it was a scam since I couldn't reach the site again. Today, I visited every identity protection website and informed them of my experience. They assured me that everything has been frozen, but from my years of online experience, when new laws are passed or something can be exploited, like the unemployment department, numerous fraudulent outfits emerge. It's a constant battle against clever criminals looking to make easy money.

I am having difficulty reaching a live agent for assistance. I have questions regarding my membership, but the automated system does not address my concerns. I believe phone support should be included in my membership. I have attempted to request a callback without success. Kindly provide guidance on how to connect with a customer service representative, or advise on the process to cancel my membership if necessary. I am willing to communicate via email if that is a more accessible option for assistance.

I recently discovered an unexpected debit from my checking account that has resulted in a negative balance. I have been utilizing services from Creditrepair.com and have set up an automatic payment with Experian Credit Repair. I believe there may have been a misunderstanding regarding a trial period leading to a recurring charge, resulting in the $24.95 debit that I could not afford due to my financial circumstances as a disabled individual. I urgently require a refund for this amount as it is needed for essential expenses such as prescriptions and transportation to medical appointments. The debit occurred at 12:00 am Central Standard Time, and I am seeking assistance in rectifying this situation promptly. Thank you for your understanding.

I am struggling to unlock my account. It appears that the unlocking process is only temporary, causing issues for my real estate agent who cannot access it. This situation is very frustrating. Yesterday, I spent over an hour trying various sites to unlock my account. Despite indicating that I wanted the unlocking to be permanent, I am unsure if it actually is. My real estate agent urgently requires access to assist with processing my application. This matter is time-sensitive and critical for me. -Gail O'Brien

I am disappointed to find out that despite canceling my membership over a year ago, I am still being billed monthly by your company. I have attempted to reach out multiple times but have been unable to speak with a representative. It is frustrating to see this ongoing charge after I took steps to end my membership. I urgently request that the fees be stopped immediately, and any funds erroneously withdrawn be refunded promptly. I expect a resolution without delay as this situation is unacceptable. I can be contacted at [redacted] or via email at [redacted]. Your prompt attention to this matter is appreciated to prevent further escalation.

Subject: Request for Investigation of Dispute Letter to Experian To Whom It May Concern: I am writing to inquire about the status of a dispute letter I sent to Experian regarding changes to my address and inaccurate inquiries. Despite mailing it on September 22, [redacted], to Experian at PO Box [redacted] Allen, TX [redacted], and including supporting documents, I have not received a response within the expected timeframe of 7 to 10 business days. I need assistance in locating my missing correspondence, as TransUnion received their copy promptly. Thank you for your attention to this matter. Sincerely, Eduardo L. [redacted]

My credit score has decreased because of dropped inquiries and an issue with my Comenity Bank account showing closed on my Experian credit report. Even though I have emailed proof that my account is open, Experian has not corrected it for a month now, causing my score to keep dropping. My only remaining open account, my Jeep payment, is consistently paid on time. I have attached proof that my Comenity Bank account is open with a credit limit and a zero balance. I urgently need Experian to rectify this as the postal credit union I rely on uses this information, and I need to use their services this month. Please assist me in resolving this issue promptly. Thank you, Cindy Beverley.

Subject: Credit Request Cancellation Needed for Pixel Phone Purchase I am seeking assistance to cancel a mistaken credit request made today for a Pixel phone. I unintentionally submitted the request to Google Fi, leading to confusion with Project Fi services and merchandise. Upon speaking with Project Fi representatives, it was identified as a third-party credit and financing application. I have already paid for the phone and do not wish for my credit to be accessed by an unidentified third party linked to Project Fi or the Google Store. The credit inquiry could negatively impact my credit rating. Your prompt attention to this matter is greatly appreciated. Thank you, Catherine D., residing at [redacted] Onion Creek Pkwy #[redacted], Austin, TX [redacted]. I can be reached via email at [redacted].

Regarding: Janice L. Parker SSN: XXX-XX-[redacted] DOB: 11/20/[redacted] Creditor: Select Portfolio Servicing Address: P.O. Box [redacted], Salt Lake City, UT 84[redacted] Rental Property: [redacted] Sunnybrook Drive, Montgomery, AL [redacted] Account: [redacted] I am requesting the removal of late payments due to misapplied payments by Select Portfolio Servicing. They admitted to misapplying ten payments, later crediting two more, and removing late charges (I have documentation). My spouse and I have disputed this for nearly three years. It took them over a year to find our missing payments, despite my monthly disputes. The creditor did not report activity for 26 months from [redacted] to [redacted] and wrongly marked me late for 32 months during that period. While our mortgage is $[redacted] monthly, we consistently pay $[redacted]. I paid one disputed amount in September to prevent further negative reporting. I contest being labeled late 32 times since the creditor acknowledged the misapplied payments. I request validation from Select Portfolio Servicing and any documentation related to my account for review. I formally ask for immediate removal of this data from my credit file associated with my Social Security number.

I have been attempting to remove a fraud alert from my Experian credit report for several months now. Despite successfully having it removed from Equifax and Transunion after sending letters, Experian has not complied with my request. The automated customer service system is unhelpful, as it automatically initiates a new alert and contacts the other credit bureaus again after providing information. This poor service experience is frustrating as I am a member and would like to continue using their services, yet I cannot reach a live person nor receive responses to my letters. I hope to resolve this issue soon as I have requested the removal of the fraud alert multiple times.

I am writing to report potential fraudulent activity on my Mastercard ending in [redacted], linked to an account with Experian. On 8/12/16, I spoke with Megan, with Corp ID # [redacted], regarding unrecognized charges on my card under the name Karen. The charges were revealed to be for an Experian monitoring fee of $24.95 monthly under an account not in my name, dating back to December [redacted]. Despite believing I had an active Experian account, investigations showed otherwise. Experian ceased billing on my card upon discovery. Although I received only a one-month credit of $24.95 from my credit card company, the total charged exceeds $[redacted]. I am seeking a thorough investigation into this matter and reimbursement for the billing error. Your prompt attention to this issue is appreciated. Sincerely, Patricia M. [redacted] [redacted]