Experian Customer Service

Discover seamless solutions with Experian's customer service. Expert assistance for all your credit queries and financial needs.
CHECK SCORE
Experian Customer Service
CHECK SCORE
3 mins read
16-May-2024

Experian is one of the four major credit reporting bureaus in the India, along with Equifax, CRIF and TransUnion. These bureaus collect information about your borrowing habits, creating a credit report that lenders use to assess your creditworthiness. Having a good credit report is essential for securing loans, mortgages, and even renting an apartment.

Experian offers various credit services, including credit monitoring, credit report access, and dispute resolution. However, sometimes you might need help navigating these services or have questions about your credit report. That is where Experian customer service comes in.

Experian customer service

Experian customer service is available to assist you with a wide range of inquiries related to your credit report and Experian's services. Their representatives can help you with:

  • Understanding your credit report: They can explain the different sections of your report, what the information means, and how it can impact your credit score.
  • Disputing errors: If you find inaccurate information on your credit report, Experian's customer service can guide you through the dispute process.
  • Credit monitoring: They can answer questions about Experian's credit monitoring services, such as how to enrol, what features are included, and how to interpret alerts.
  • General inquiries: They can address any other questions you may have about Experian's services or your credit in general.

Ways to get Experian customer service

Experian offers several ways to get in touch with their customer service representatives:

  • Phone: This is often the quickest way to reach a customer service representative. The phone number for Experian customer service is 022-66419000 (Monday to Friday, 9:30 am to 6:30 pm IST).
  • Online dispute centre: If you need to dispute information on your credit report, you can initiate the process online through Experian's Dispute Centre. This is a convenient option that allows you to upload supporting documents and track the progress of your dispute.
  • Email: While not the fastest method, you can also contact Experian customer service by email at consumer.support@in.experian.com. Be sure to include your full name, address, and phone number in your email for faster identification.
  • Secure message centre: If you have an existing Experian account, such as with Experian CreditWorks, you can use the secure message centre to send a message to customer service directly through the online portal.

How to request a correction in an Experian Credit Report?

There are two ways to challenge mistakes on your Experian credit report:

Online Dispute Form

  1. Head to the Experian website and find the dispute section
  2. Enter your Unique Transaction ID (UTI) or Experian Reference Number (ERN) (found on your report)
  3. Pick the area you want to fix (account details, personal information, loan inquiries)
  4. Directly update the incorrect details in the designated fields
  5. Double-check everything and submit the dispute
  6. Experian will investigate and contact your bank if needed
  7. They'll notify you via email about the outcome and keep you updated

Dispute through your account

  1. Log in to your Experian Credit Report account
  2. Verify your identity with a one-time code sent to your phone
  3. Select ‘Dispute’ from the top menu
  4. Choose ‘Raise A Dispute’ from the options
  5. Pick the kind of information you'd like to correct (account details, personal details, credit inquiries)
  6. Select the specific account, bank, and account number (if applicable)
  7. Fill out the dispute form completely and attach any supporting documents
  8. Submit the dispute
  9. Experian will investigate and collaborate with your bank as necessary
  10. Track the progress of your dispute using the ‘Track Dispute’ option

The Experian credit report query form

There is a specific way to fix errors in your Experian credit report. Here is how it works:

  1. Start with the Experian Credit Information Report Query Application Form: You can find this form and print it from their website https://www.experian.com/help/login.html
  2. About the form
    • You will need your Experian Report Number (ERN) to identify your specific report. This helps them ensure they are correcting the right information.
    • Fill out all the required sections.
    • There's a section to check if the issue concerns your personal details. Otherwise, you can explain the credit history problem in the provided space.
    • Important: Include copies of your ID and proof of address. Make sure these copies are signed by yourself (self-attested).
  3. Missing information or incorrect documents: If the form is not filled completely, or the documents are not signed correctly, Experian will not be able to process your request.

Conclusion

Experian customer service is a valuable resource for anyone who needs help with their credit report or Experian's services. Whether you have questions about understanding your credit, disputing errors, or using Experian's credit monitoring tools, their representatives can provide guidance and assistance. Knowing the different ways to contact Experian customer service ensures you can get the help you need to manage your credit effectively.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

How do scammer get my number?
Scammers can obtain your phone number in several ways. Data breaches, social media leaks, and even purchasing marketing lists from unscrupulous sources can expose your phone number. Once they have it, they may use it to make spam calls, including those impersonating legitimate companies like Experian.
How do I report spam calls?

There are a few ways to report spam calls. You can register your number on the National Do Not Call Registry (https://www.trai.gov.in/faqcategory/unsolicited-commercial-communicationsucc) and report spam calls to TRAI using 1909. Also, most smartphones allow you to block specific phone numbers. This can help prevent future calls from the same scammer.

How can I contact Experian India?

You can contact Experian India by calling their customer service line at +91 (0) 22 6818 6700 or emailing them at consumer.support@in.experian.com. Their operating hours are Monday to Friday, 9:30 am to 6:30 pm IST.

Do I need to submit any documents with the Experian Credit Information Report Query Application Form?

Yes, along with the completed form, you will need to submit copies of your identity proof and address proof. These copies must be self-attested, meaning you need to sign them yourself.

How do I fill out the Experian Credit Information Report Query Application Form?

The Experian website provides the downloadable form. While filling it out, ensure you have your Experian Report Number (ERN) to identify your report. Fill in all mandatory sections and check the box that best describes your issue (personal details or credit history). Use the designated space to explain any credit history problems. Do not forget to include self-attested copies of your ID and address proof for processing.

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