Experian UK Bewertungen 

They say I'm not on electoral register but my bank and totally money have both got me down as on the electoral register, as a supposed credit reference agency you'd think in 2026 they'd get there facts right
TOTALLY LIFE DESTROYING

Usless, no contact number, no e-mail! They decreased my score, because I signed the contract with O2, and i cancel the contract same day, just because the O2 Seller wasnt clear about the contract! This is crazy!!! They checked my credit score, and all was good.
But, my credit score went down, because I cancelled O2 contract after 3 min! I means this is faking crazy! I saw on my account HARD SEARCH AFFECTED YOUR SCORE! They are out of their mind! All in this world is sick! And poisoned by control and manipulation!
I feel I like I live in very manipulative world! Everything so important! People are delusional ! Everything they control! Omg! And they want £14/ month! I am asking what for? I am sick of people!

If you forget about subscribing to their service you might find yourself paying for years as conveniently (for them) they never send invoices or bills, just quietly charge your card.

I dont TRUST them and customer service is very rude

monitoring my monthly experian credit score this month I detected a slight dip in my monthly score. This coincides with me getting several insurance quotes on line from various companies. Experien are not treating these as "soft" searches as they should but are lumping them together and recording them as a "HARD" search. Further searches of my own records show that experien have been doing this every year at this time. My enquiries within the financial industry show that this is NOT normal practice. Obviously, I contacted experien whose response has been evasive in the extreme, the latest dodging technique is to promise a response "within 28 days". If this doesnt happen, then I will open a case with The Financial Services Ombudsman.

Appalling company.
After a supposed “non payment” disclosure by my broadband provider (one of the worst and most unprofessional/unreasonable companies I have ever dealt with) for a bill that was totally incorrect, Experian sent me an email informing me that my credit rating had been lowered without giving me the right to challenge it. To actually call
them to discuss the matter, you have to “upgrade” and pay a premium. This is a new one on me where you can be treated totally unfairly and you then have to pay for the privilege of challenging it. I find this totally bizarre and I’m amazed it is even legal.
I will let you make your own minds up on the ethical nature of this but one thing is certain - Experian’s customer services are totally useless. I would go straight to the Ombudsman because if you read all the negative reviews and from my interactions with them so far, it seems highly unlikely they are going to help resolve this matter.
I circumnavigated the “upgrade” by emailing the CEO directly and received a phone call within hours from a representative who was unbelievably unhelpful and refused to do anything for 28 days.
I despair for this country where decent, honest and hard working people are being held over a barrel by unscrupulous traders and then Experian do not resolve the issues that are brought to their attention and then their credit ratings are adversely affected.
This is something I intend to take up with my MP and the media to try and get this injustice addressed.
I won’t be paying for any upgrades and I recommend that you read all the other reviews on Trustpilot before you do so yourself.

Locked account - recovery email link does not work. This has been a fault on their website for years.

Several Emails left unanswered. Phone switchboard operator completely helpless/rude/useless. They ‘no longer offer a support service…login to your account for more info’ - duhhh - I’m locked out?! It’s almost like an April fools prank!

STILL can’t access my account. They are still charging me a monthly subscription for this ‘service’. This has to be borderline illegal?!

I’m sure CEO Brian Jude Cassin is having a great time on all of our £15 monthly fees…why should he care?

Why are Amazon using these muppets to verify age. There are now thousands of pensioners not allowed to order things because Experian can't verify their correct age. A lot of us are ready to bin Amazon if they can't fix this

Dealing with complete idiots ! I understand they're not the brightest of people, but employing people with low IQ scores controlling credit scores is criminal.

Update 26/10/24: Finally managed to contact them on 21/10 but this is the documentation they say they need in order to issue a cheque for a £14.99 refund to the estate. Talk about making life difficult for people:

A copy of the death certificate
A copy of either:
A Grant of Probate
Grant of Letters of Administration
Certificate of Confirmation
A Grant of Confirmation
A copy of the deceased’s will showing they are the executor
A photocopy of either your passport, birth certificate or full driving licence
2 original or copy documents linking you to the address that you wish the cheque to be sent to, dated within the last 3 months.

________________________________________________

It's impossible to contact them to cancel the account/subscription of a person who has died. Ridiculous. How to make life harder for people in an already difficult situation!

Got a recommendation from Experian to take out a new credit card with a low APR, Stated that its pre approved and that success on application was 100%. So I applied and went through a credit check to be told I was not approved. This credit check has now knocked my credit score down. If Experian have all my credit references then how can they state pre approved and they recommend I apply. Total con with me losing out. Be aware if they recommend something. Its a con

Taking money from my account for over a year..they must know exactly what they are doing, profiting from people not reading the small print or who forget to cancel (pretty sure it was my broker who should have cancelled). Absolute crooks. Their telephone system feels like it’s designed to make you want to give up trying to get in touch. For balance, the gentleman I eventually got through to was helpful, I imagine he deals with calls like this all day.

Update to my previous, the score boost is still a con. Score up one day then removed the next with no time for them to get any information.

I believe Experian keep the scores down to convince people to use their credit matcher. Scores with other credit reference agencies have no comparison to Experian whose score are always much lower

According to Experian, they are given information about you by third parties. If that information is wrong, they ask the company to review or amend the information. However, if said third party company decides not to change the information or refuses, Experian can't do a thing about it, so the disgruntled company can ruin your credit status until you have to pay a solicitor to put things right.

What exactly is in place to stop such actions towards individuals ? Nothing, absolutely nothing !!!
Laws and regulations should be there for everyone, not just individuals.
This is far from acceptable, and borderline illegal, and no ombudsmen service or FSC company are bothered

You need experian, if nothing else, to make demented people look good. With credit score my score is 100 points above UK average. With 7 years without missing a payment, my score with experian is classed as "bad". How can that be possible? My advice to experian is to use the money they steel to have a brain transplant.

Gives inaccurate score, forces you to pay the subscription to change or update the information that affects the score. Will stick to the score provided by my bank.

Paid £15 for premium service yesterday and money has been taken out of my account, however I'm still stuck on the basic version and have no access to premium features. There is no way of contacting anyone as everyone is off but j need the service now.

I have had both the free and paid accounts with credit expert. Forgot details and when tried to log in and change details and also tried to set up a new account it says I’ve had account suspended and they have no details.
Terrible service just to try update my file

How about stealing your personal information and then selling it back to you and other businesses for profit

Experian profit-driven approach puts individuals and businesses at risk, turning what should be a safeguarding of personal information into a money-making scheme.

When accuracy and accountability is no longer a requirement. priority
When an organisation is authourised to hold our personal, financial data and disclose this, without our consent, to others, it is vital that the data they hold is accurate. These organisations should be held accountable if they disclose misleading information about us, especially if we suffer as a result. Experian, consulted by any financial organisation we have dealings with, are just one of these approved organisations but do not seem to take on board the necessary accountability for their activities.

I hold current and savings accounts with a major UK bank. Having recently downsized following retirement, these savings, despite recent low interest rates, help to spplement a basic retiement pension. To keep things tidy I also applied for one of their credit cars to replace my existing one.

This application was refused. But I was surprised to receive a letter from them apologising for the refusal, telling me they had no choice having received a negative response to their financial reliability investigation. The letter suggested I contact Experian to discover what this information consisted of. As far as I am aware I have no debts, no Court Judgements, nobody chasing me for payments.

Experian acknowleged my request to them for the data they are holding about eight weeks ago. No reply came so I contacted them again. Still no response, So I cannot know if what they are saying about me is true or not.

I should not have to pay a lawyer to apply to a Court to discover if they have got hold of a lie; but it seems there is no other choice - unless, of course Experian were to understand the damage they can cause and to take their accountability seriously

Date of experience: 23 August 2023