Credit Reporting Agencies
ExperianFind BBB Accredited Businesses in Credit Reporting Agencies.
Information and Alerts
Important Information
Government Actions
The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.
On November 7, 2022, Experian entered into an Assurance of Voluntary Compliance with the Ohio Attorney General and 39 other states. The Assurance settle claims related to the data breaches in 2012 and 2015 that compromised the personal information of millions of consumers nationwide. Under terms of the settlement, the business agreed to pay $12.67 million. The business has agreed to strengthen its data-security practices by:
-Not misrepresenting to its clients the extent to which Experian protects the privacy and security of personal information.
-Introducing a comprehensive Information Security Program, including regular executive-level reporting and enhanced employee training.
-Adopting due-diligence provisions, which means properly vetting acquisitions and evaluating data-security concerns prior to integration.
-Implementing data minimization and disposal requirements, including specific efforts aimed at reducing use of Social Security numbers as identifiers.
-Meeting specific security requirements regarding encryption, segmentation, patch management, intrusion detection, firewalls, access controls, logging and monitoring, penetration testing and risk assessments.
The settlement also requires Experian to offer five years of free credit monitoring services to affected consumers, as well as two free copies of their credit reports annually during that time.
This action is final.
Pending Government Action
The following describes a pending government action that has been formally brought by a government agency but has not yet been resolved. We are providing a summary of the government's allegations, which have not yet been proven.
On January 7, 2025, the Consumer Financial Protection Bureau filed a Complaint for Injunctive Relief, Redress, Disgorgement, and Civil Money Penalties against Experian Information Solutions, Inc. Charges filed allege the business is in violation of federal laws by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers’ files.
The matter is pending.
Service Area
- CA
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.