Experian BIS Commercial Relations

Hello, Thank you for contacting us regarding your Experian Business Credit profile. We will begin our investigation shortly and assure you that we will make every effort tocomplete a detailed investigation. When appropriate, we will make the necessary updates to your Business Credit...

profile. We will inform you of the resolution at the end of the process. Most of our investigations are completed within a month.  However, more complex casesmay require additional time. Thank you for your patience while we complete the research necessary to resolve your dispute. You may check the status of this inquiry by contacting us at [redacted]. Sincerely,  Experian [redacted] Relations  Want to learn more about business credit, get answers to common questions or requestbasic business updates online?  Visit [redacted]

Re: [redacted], Case#[redacted]
We have completed our investigation. The account in question has been verified as accurate, contact information has been emailed and mailed to the business directly.
Thank you!
Experian - Commercial Relations

ATTN: Revdex.com Revdex.com of San Diego, Orange & Imperial Counties 4747 Viewridge Ave Suite 200 San Diego, CA 92123 Attn: [redacted] Dear [redacted] Re:  Complaint ID # [redacted] Thank you for contacting us on behalf of [redacted]...

[redacted], regarding their concerns about their Experian Business Credit Report.   We have responded to the business with the following information:   The disputed [redacted] account information has been verified with the creditor/ supplier: The account has been removed from the report, as no response was received. We have reached out to the creditor/supplier with a request for corrected or updated information. If they are able to provide additional updates and/or corrections, then we will update the report accordingly.   If you require further assistance, please contact us at: [email protected].   Sincerely, Experian Commercial Relations

Dear Sir or Madam: RE: Complaint # [redacted] Complainant:  Risk Management Inc., Acton, CA Contact information has been amended in the Experian system and is available to NAV.  Experian has notified Nav of the request for update in their system.  Complaint for a free report from the Nav site is best directed to Nav directly. Thank youExperian Commercial Relations

Hi -  According to our records, the contact information they are disputing is not displaying on the report Thanks,Experian Commercial Relations

475 Anton Boulevard
Costa Mesa, CA 92626
www.experian.com
 
[redacted]
7346 CHARLOTTE PIKE
NASHVILLE , TN 37209
Complaint# [redacted]
Attention Revdex.com...

of San Diego
The above referenced company was notified on 03/30/2016 that the case was closed and all necessary updates made accordingly with our findings.If anything else is required, please let us know.
Sincerely,
Experian Commercial Relations
 
Want to learn more about
Business Credit? Go to www.businesscreditfacts.com
**
This correspondence is regarding commercial credit only.
To
obtain a copy of your Personal Consumer Credit Report, please visit www.annualcreditreport.com,
or log on to www.experian.com/consumer or call Experian at 1 888 397
3742 for further instructions.**

Re:[redacted], Case#[redacted]1
We have updated the Tax Lien, Judgment and UCC sections on the business report. Demographic information has also been updated. A one-time access to the business report has been emailed and mailed to [redacted].
Thank you!
Experian - Commercial Relations

[redacted]
[redacted]
[redacted]ATTN: [redacted]Dear Business Principal/Executive:This letter is in response to your inquiry regarding your commercial credit report dated February 22, 2017. Your request was logged as case #[redacted] and is now closed.We have completed the appropriate updates as a result of our investigation. Should you have additional items or questions, please submit a new dispute referencing your now closed case. Credit Scores are calculated based upon the information displaying on your credit report. Please visit www.businesscreditfacts.com for a more detailed description of what can impact the credit score. Your vendors have been researched and the Data Acquisition Department will be contacting any companies not already reporting to ask them to report.  Please note: while it is a best practice for businesses to report their business credit customers, it is not required (companies may choose not to report).  We will not be able to provide updates on the reporting status of your requested vendors because of confidentiality restrictions.  However, you can assist the process by also contacting your vendors about reporting to Experian.  New data will not display immediately as the setup process, programming, validation, and audits can take several weeks. As an Experian Business Credit Advantage member, you may review your company's business credit report online at www.smartbusinessreports.com.If you need further assistance, please feel free to contact us at one of the following:Email: [email protected]:ExperianPO BOX 5001Costa Mesa, CA 92626Attn : Commercial RelationsPhone: 888-211-0728Sincerely,Experian Commercial Relations

Review: Experian is a credit rating agency. They gave my company a rating of 1 out of 10, the lowest possible. When I got the report, I discovered that they had said the file was opened on the company in 1997, four years before the company was founded. They also said the highest contract in 2014 was for $3200. This low credit rating caused refusal of an apartment rental. From reading the report, Experian knows nothing about my company.

[redacted] has done more than 1/2 million in business over the past twelve months, but Experian seems completely unaware of any of this and are unapologetically sending incorrect ratings to our clients and business partners.

[redacted] clients include [redacted] and [redacted], yet Experian knows none of this. I would like Revdex.com to look into the validity of this organization. Are they legit? They are doing damage to companies by giving them a poor credit report, when, in fact, they seem to know nothing about the companies they claim to assess.

If Revdex.com does not cover this, can you please tell me who does?Desired Settlement: Mainly, I would like Revdex.com to take them to task and get them to do the job they are being paid for.

I would like Experian to admit in a letter to me and to the apartment complex that they failed to do their job in the prior request and that they will now give my company the rating of 10.

Business

Response:

Hello, Thank you for contacting us regarding your Experian Business Credit profile.

My complaint is about the deceptive, unethical marketing practices of Experian. . The issue is that thousands of customers who pay the $1.00 for the credit score do not see the fine print which signs them up for $21.95 a month unless they cancel within 7 days. I was among the many who was duped by Experian's practice.

When I learned that I had been unexpectedly charged $21.95 asked the supervisor for a refund and she declined (as she, no doubt, is trained to do.) She acknowledged that she receives many calls from people who are upset because they failed to read the fine print and are surprised to learn they have been charged $21.05 and then ANGRY when denied a refund.

When I contacted my credit card company to dispute the charge the agent told me that my call was not the only call complaining about Experian. My credit card company honored my dispute, and the agent said it is very unlikely that I'll be charged.

When I went online to ascertain if others had a similar complaint, I learned that thousands of customers have been mislead in a similar manner.

I, like others, would think that Experian would be a company representing the best of virtues in marketing. The company could easily send an automated response upon receiving the $1.00 for the credit score report, explaining - not in fine print - that a monthly $21.95 charge would occur should the customer not cancel within the 7 day "trial" period. (By the way, 7 days is a short time when virtually NOTHING significant ls likely to happen to a credit score.) The customer, knowing that Experian is one of the major companies in the credit score business, falsely assumes that marketing effort will be transparent and clear - not a sleazy "fine print" operation.

Experian's deceptive practice wastes the time, not only of their one-time customers, but of the their own agents and the agents of the credit card companies.

I'm sure that some customers are intimidated about complaining or disputing the charges issued by Experian, fearing that their credit score is in jeopardy. The situation is analogous to turning down solicitations from the Fraternal Order of Police.

My name is Anna Mitchell. In Aug of 2015 I supposedly went online to Experian.com were I requested a copy of my credit report. In none of the information that I read did it say that they would apply a monthly charge of $21.95 for the services if not canceled in the 7 day trial period time. They said they stated that in the disclaimer but I do not recall any statement saying such. They also stated they sent out emails about this to which I don't recall receiving. The charges accumulated to around $220 from Aug 2015 to January of 2016. Thank god Capitol One sent me and email questioning them going up on their charges another $21 without calling or sending information that they were doing this. They overcharged my credit card and when I called to question it, I was basically told oh well I would have to eat the charges. I told them this wasn't right being they never sent any information stating they would be charging monthly for them to pull my credit. To which I never checked over the months stated. Thank god Capitol One was willing to help me with this and pay some of the money back. Although I am stuck with some of the bill I am thankful that some was given back to me. I would like to warn people of Experian.com due to they don't make it clear in there information online. I think it is wrong to charge someone unknowingly monthly. I don't understand who would want to pay for the credit check monthly but I certainly feel like I was taken advantage of. I really hope they are penalized somehow for their wrong actions.

I appreciate your business allowing me to file this complaint. And I hope yall can address this company.

Thanks again, Have a great day!!!!

I have been an Experian credit report member for many years.

I noticed that a few months ago their website looked different.This is annoying and has happened many times in the last few years.

when I logged in the summary showed that I have 3 Derogatory accounts & 1 late account.

I spent a great deal of time trying to find out which accounts were listing me as Derogatory. I could not so I phoned them. The representative told me that I have to file a dispute on all 3 to find our more information including to just simply find out which accounts like if it's a credit card or auto loan or mortgage account etc. I couldn't believe that I have been paying 21.95 per month for basically nothing. The reason I have this account is so that I could quickly see what if anything is wrong with my credit so that I could fix it right away. The Dispute process is alot of leg work. You have to fill-in fields inputting alot of information. they don't even have the decency to have the basic information pre-filled in for you such as your name and address which of course must be known because you are logged into your account. then if you do a typo or accidentally forget which email address or phone number they have on file you will be unable to fulfill the dispute process and have to call them again. to unfreeze the dispute process page. This is ludicrous. I am a very busy person and I signed up for this membership to quickly see anything negative on my credit report and if this was designed to make the members work to see the information that you pay for then this is a rip-off. Now, I will go rip-off reports dot com to make a note of this to warn others.

I wanted to cancel my account and the rep tried to offer me a bogus deal such as half off of your regular price to stay on. but then when she read me the terms she said in 6-months the price will revert back to the normal price. Pay for what I ask?

the representative tried to

I was trying to check my credit score through this company. I heard it should be free and that sounded good to me. At the end it said it would charge me $1. Ok... not free, but what's $1? I clicked through the buttons that were highlighted and got my credit score - only to realize I apparently didn't read the extra fine print well enough (my fault, I realize) and I was also charged an additional $39.95. Ouch, that sucks. Next time I'll be more careful. That was on September 8. Today is September 15 and I am checking my bank account and see another charge from them for $21.95. What? I didn't make any additional purchases with them! Apparently I signed up, without knowledge, for them to watch my credit card. This would be a recurring charge every month. I called to dispute this charge and was told I was given a 7 day trial period and did not call to end it, so the charges started. I never received a notification about a trial period for anything with this company. I thought I signed up for a one time credit check and by my own fault was charged an extra $40 for not paying attention. I never saw somewhere saying I was also signing up for recurring charges! I'm so glad my bank already monitors my credit so when this happens I can get it taken care of. Any company that makes its money by using fine print is a scam and fraudulent in my books. There is so much wrong with that kind of business.

Review: In February of 2014 [redacted] was denied credit from a vendor based on the information on our Experian Credit report. Once we ran the report we found numerous errors that were being reported. On February 20, 2014. We wrote to Experian with a request to fix the errors on our report. Per Experians policy, they request 30 days to fix any issues. . After waiting the 30 day time limit we called Experian and were informed that they never opened a dispute , We Resent the letter asking them to correct the inforamtion on our business report on March 26, 2014. Again after a certain length of time not hearing anything from Experian, we placed a call to them. They informed us at that time that they did change a few items on our report and closed the file. They did not inform us of those changes in a timely manner, and the information on our report was still incorrect. On May 27th our agent called Experian again and was told that Experian made an error in not handling the dispute correctly. Once again per Experian policy we emailed and mailed a dispute letter asking for final resolution to our credit report. To date, we have been unable to get Experian to report the correct information on our credit report which is adversly affecting our business. It has been 5 complete months of incorrect damaging information being reported on our credit report.Desired Settlement: We need our credit report to reflect the correct information with the correct SIC Code, NAICS Code, Amount of Sales being reported and amount of employees that work for [redacted]. The date of Incorporation also needs to reflect the correct date.

Business

Response:

Re: [redacted]

Review: I was in negotiation with Experian regarding renewing our contract with them. I was working with [redacted] our account rep. we were working on a price that would work for both my company and theirs. while we had been going back and forth discussion different pricing structures and features she could add to make it more cost effective for us, we had not agreed upon anything yet. I received an email from [redacted] stating that they had invoked the auto agreement.

I now have an invoice from them for $2500.00 that I feel is unjust. I feel that since we working toward an acceptable agreement they should not have invoked the auto agreement, or at the very leased I should have been told so I could have submitted my termination letter to them.

I feel as if they took advantage of the situation, and of knowing that I was working with them to come to an agreement.Desired Settlement: I would like for a credit to be issued toward the $2500.00 invoice that we have received.

Business

Response:

:::::: ExperianJanuary 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted]Dear Better EUsiness Eureau.Our office recently received your correspondence of January 20, 2015 regarding the above mentioned business complaint. Our mission is to assist consumers with credit report issues.Our research indicates that the business was provided with a renewal option of their existing contract with Experian Business Information Solutions. The pricing was not acceptable to the business so approval was obtained to submit a revised quote which was then submitted to the business. The Experian Account Executive did not hear back from the business and per the original contract, the contract went into automatic renewal. The contract allows Experian Business Information Solutions to renew the contract automatically if a 30 day cancellation notice is not received. Experian Business Information Solutions is not in breach of the Contract.Additional concerns regarding this complaint will need to be directed towards the Account Executive, [redacted] at Experian - Business Information Solutions. [redacted] can be reached at 2[redacted].Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I was in contact with [redacted] by phone and had informed her that we were still not happy with the proposal. the cost was still high, she was working to see what other options she may be able to add to make it cost effective for us.

Review: Inaccurate reporting; (ie) type of business, location of business, number of branches, trade lines, discrepancy in payment trade lines on actual report (showing good pay, but scoring is inaccurate) . Refusal to give names of businesses showing delinquent trade lines. Refusal to correct their mistakes in a timely manner. This situation is effecting our day to day business operations. [redacted], Controller, [redacted] & [redacted]: Actual report information as follows: This information is the primary name and address for the business you inquired on. All data in this report pertains to the business.

[redacted] & [redacted]

Business Identification Number: [redacted]

Full Report Number: [redacted]

Years on File: 30 (FILE ESTABLISHED [redacted])

Date of Incorporation: [redacted]

Code:

[redacted] EQUIPMENT PARTS & SUPPLIES - [redacted]Desired Settlement: Correct the report immediately

Business

Response:

Hello, Thank you for contacting us regarding your Experian Business Credit profile.

Review: Our company's credit rating was 87 and a week later it is 34. There have been no financial changes in the company, there are no debts, we pay our bills as soon as they arrive, and we have a very large cash reserve for a small company. The problem is that we cannot seem to get anyone to talk to us to explain why there has been such a drop in our credit rating which is detrimental to the company. We have written, sent emails as directed, and even had our corporate attorney send them a letter. Experian's SmartBusinessReports are not smart or helpful. They have reduced the information they do give in the reports, so there is no apparent value now to the reports they provide. They do not give names of inquiries or names of credit that is open on our account. This is unlike that offered to individuals. Our fear is that there might be identity theft going on concerning our credit and Experian is not helpful.Desired Settlement: I would like to get a comprehensive explanation of how Experian calculates the credit information they provide, the names of the people making inquiries and an answer to how our credit rating dropped from 87 to 34 in one week! I would like a phone call followed up with a letter and a revised credit report.

Business

Response:

Revdex.com of San Diego January 9, 2015 4747 Viewridge Ave # 200 San Diego, CA 92123-1688 ATTN: [redacted] Re: [redacted] – [redacted], INC [redacted] CO 80013 Complaint ID [redacted] Thank you for contacting us on behalf of [redacted], INC regarding their Experian Business Credit Report. Updates to the business report were made, howevere the business wanted the formula used to calculate the business score that is displayed on the credit report. Score algorithms are valuable, confidential and proprietary information of Experian and therefore are not provided. The following information was previously provided to the business regarding their report and score. The request indicated that they wanted additional information on your credit score. Credit Scores are calculated based upon the information displaying on your business credit report. Please access www.businesscreditfacts.com for a more detailed description of what can impact the credit score. Experian strives to provide accurate business credit reports and we use feedback we receive to improve our procedures and processes. Sincerely Commercial Relations

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The answer given is just more of their double talk. I do not need to know their formula. I just need to know how my rating could drop from a rating of 87 on 9/1/14 to a rating of 34 on 9/8/14 when our financial situation did not change.

In view of the fact that Experian does not provide customer [redacted] of any kind, we have cancelled our membership in Smart Business Reports. We have joined [redacted] & [redacted] which provides much more detail and [redacted]. Our rating with [redacted] is 80. It costs more, but it is well worth it. [redacted] is a more well respected report than Experian.

Regards,

Business

Response:

Revdex.com of San Diego January 9, 2015 4747 Viewridge Ave # 200 San Diego, CA 92123-1688 Re: [redacted] – [redacted], INC [redacted], CO 80013 Complaint ID [redacted] Thank you for contacting us on behalf of [redacted], INC regarding their Experian Business Credit Report. The request indicated that they wanted additional information on your credit score. Credit Scores are calculated based upon the information displaying on your business credit report. Please access www.businesscreditfacts.com for a more detailed description of what can impact the credit score. Experian strives to provide accurate business credit reports and we use feedback we receive to improve our procedures and processes. Sincerely Commercial Relations

Review: Experian Business is severely limiting my business, The [redacted]'s (BIN [redacted]) access to capital with erroneous information that they have attached to my business credit report. I disputed the information on the credit report on March 11, 2014. On Experian Business phone number, a recording states that it takes 30 days to resolve a dispute, but as of this writing, nothing has happened. Based on the erroneous information that was disputed, The [redacted] runs the risk of going out of business if we are not able to get this issue resolved immediately.We would like this issue aggressively pursued, have our good name cleared of the inaccuracies we vehemently oppose, and to be refunded the cost of being forced to pay for a false credit report.Desired Settlement: Refund the money for the cost of credit report.Resolve the disputed items immediately (before end of business week).

Business

Response:

Re: [redacted]

Chicago, IL 60637

Complaint ID [redacted]

Thank you for contacting us on behalf of [redacted] regarding their Experian Business Credit Report.

Updates to the business report were made, a completion notification was sent to [redacted] in June of 2014. A refund is being processed for the purchased price.

Experian strives to provide accurate business credit reports and we use feedback we receive to improve our procedures and processes.

Sincerely,

Experian - Commercial Relations