Complaint Review: Esperian - Costa Mesa California
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- Author Confirmed
- Esperian 475 Anton Blvd Costa Mesa, California U.S.A.
- Phone: 714-8307000
- Web:
- Category: Credit Reporting Agencies
Esperian This is the only Credit Reporting Agency that charges you to fix THEIR errors Costa Mesa California
*Consumer Suggestion: Your REAL free annual credit report
*Consumer Suggestion: Try this...
*Consumer Suggestion: Ron, here's the info you need to get it fixed... the name is Experian
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I have a few mistakes on my credit report. It's nothing big, but best that they weren't there. TransUnion and Equifax allow you to enter your information and correct or at least ask that that investigate your problem.
Esperian will not allow easy or free access to your credit report at all. They say they need a credit card to be sure it's you. It doesn't apply to me, but what if you have really bad credit and can't get a credit card.
As you continue reading their "Agreement", you agree to allow them to bill your credit card $9.95 per month. In exchange they will alert you via email every time a change is made to your credit report (not TransUnion or Equifax) just Esperian. Additionally, for $5.95 more per month they will alert you of any changes to your credit score (again, just per Esperian).
I am entitled by law to one free credit report per year. If it's offered on Esperian's website, I'll be damned if I can find it. I spent 20 minutes at least searching the website and it kept bringing me back to joining their "Service".
So, I have two out of three of my credit bureaus fixed.
Ron
Renton, Washington
U.S.A.
This report was posted on Ripoff Report on 01/29/2006 03:46 PM and is a permanent record located here: https://www.ripoffreport.com/reports/esperian/costa-mesa-california-92626/esperian-this-is-the-only-credit-reporting-agency-that-charges-you-to-fix-their-errors-cos-173812. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#3 Consumer Suggestion
Your REAL free annual credit report
AUTHOR: Alma - (U.S.A.)
SUBMITTED: Sunday, January 29, 2006
The info is on the top of the Experian website, in a blue box:
"This offer is not related to the free credit report that you are entitled to under Federal Law. To obtain that free report, you must go to www.annualcreditreport.com
#2 Consumer Suggestion
Try this...
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Sunday, January 29, 2006
Although it may be difficult, you don't have to sign up for a monthly service to dispute an item on your Experian report. You can either purchase a copy of your credit report (the fee is usually about $9.00 or so), or go through annualcreditreport.com to obtain your annual free copy. Don't pay for a 3-in-1 report either, because you can't dispute items using that route.
#1 Consumer Suggestion
Ron, here's the info you need to get it fixed... the name is Experian
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Sunday, January 29, 2006
First, the name is Experian, NOT Esperian.
Second, you are entitled to one FREE credit report each year. The one you are looking at is the paid credit monitoring service. This is not what you need.
Just write to them and include a copy of your driver's license and SS card and a utility bill.
This will serve as proof of who you are, and you will get your FREE report quickly.
I got mine in less than two weeks.
Hope this helps.
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