Experian is one of the largest consumer credit bureaus. Many employers, landlords, insurance companies, banks and credit card providers use Experian's reports to make decisions about employment, insurance coverage, housing, and granting credit. As a result, Experian's customer service team gets a lot of requests for assistance from consumers.
There are many reasons why a person might call Experian's telephone customer service:
Some of these services require consumers to call dedicated numbers for assistance. Some of these numbers are answered by an automated voice request system, so you should be aware of this before calling.
The federal Fair Credit Reporting Act gives consumers a right to a free copy of their credit report from each credit bureau, including Experian, every 12 months. However, you shouldn't call Experian to request your free report. Instead, you need to visit annualcreditreport.com or call 1-877-322-8228.
The Fair Credit Reporting Act also gives you the right to an additional free credit report under other circumstances, including:
If you've already requested your free reports for the year, you must contact each credit bureau, including Experian, directly.
Be sure to double-check any numbers that you have for Experian and make sure that they are accurate. This is because there are some unscrupulous companies that may take advantage of dialing errors or confusion over branding.
Free credit report providers: There are other services that may offer "free" credit reports, but they are usually trying to sell credit monitoring services. They may even use Experian's name in their advertising, but these companies are only resellers of Experian's information. Once your "free" trial is up, your credit or debit card is charged for the service. If you want to request your free annual credit report, you must contact annualcreditreport.com or call 1-877-322-8228.
Scammers: Because credit bureaus deal with such sensitive information, it is important to double-check numbers when calling Experian. Some unethical companies may have a phone number that is similar to Experian's, which might lead to someone calling and unwittingly giving that company information that could be used for identity theft purposes.
Customer service is a huge concern for Experian and there are a lot of people who attempt to contact the company every day by phone. Reports from consumers are often mixed. Many people report difficulty in trying to speak to a human being and others complain that the company's automated system doesn't work well.
There are some reports indicating that the company's toll-free numbers are managed by automated systems and can make it more difficult to speak to a person. Calling Experian's regular phone lines may give you a better chance of talking to a person.
Experian customer service representatives can help you with a variety of issues, including:
Experian states on its website that it is best able to help consumers with disputes when the consumer has a recent credit report in front of them. If you don't have a copy of your credit report, try to get one before calling. It is possible to order your report online and receive it within minutes.
Credit bureaus, such as Experian, report information provided to them by creditors. Experian can research erroneous information, but can't change it unless the creditor acknowledges the error or fails to respond entirely to your dispute.
If you have been the victim of identity theft or fraud, you will need to report what happened to law enforcement. Experian can't do this for you.
Depending on your concern, you may have fax, mail, or upload documentation to Experian before your case can move forward.
If you have tried speaking to a phone representative at Experian but not reached an acceptable resolution, don't give up. You may be able to work things out by using a different approach.