Privacy at Experian
Experian is committed to providing consumers with the notice, choice, and education about the use of their personal information in today’s world.
Our five Global Data Principles embody these key values (see below). They guide how we manage and use data, build products and conduct our business around the world. We developed the principles this year to better reflect our commitments to individuals, businesses, clients and the public, which have advanced as market demands and expectations have evolved.
Data security is critical. Securing and protecting data against unauthorised access, use, disclosure, and loss are key priorities for us.
We will make data as accurate, complete, and relevant as possible for the manner in which it is used, always in compliance with legal requirements.
We collect and use data fairly and for legitimate purposes, balancing privacy expectations with the social and economic benefits derived from the responsible use of data for individuals, businesses and clients.
We are open and transparent about the types of data we collect, where we get it, how it is used and where it is shared. Where appropriate we provide individuals with access to the data we collect about them and the ability to correct, restrict or delete data.
We seek to improve financial health and inclusion for all through the innovative use of relevant data to help individuals improve their financial lives.
Experian® considers itself a steward of the information it collects, maintains and utilizes. Our responsibility is to ensure the security of the information in our care and to maintain the privacy of consumers through appropriate, responsible use.
We provide services based on information about millions of individuals and businesses. Use of that information is guided by our Global Information Values.
These Information Values form the foundation for Experian's belief that information use must benefit both businesses and individuals while meeting consumers' privacy expectations.
Information policies, built on our values, more specifically define how information may be used. The policies vary to meet the legal requirements and consumer expectations in the area in which the information product or service is being used.
Underlying these policies is Experian's commitment to provide consumers notice, choice and education about the use of personal information. Educated consumers are better equipped to be effective, successful participants in a world that increasingly relies on the exchange of information to efficiently deliver the products and services consumers demand.
Today, our business clients' needs and consumers' expectations are constantly changing, and technology is constantly evolving. Our approach to privacy, rooted in these Global Information Values, enables Experian to respond to those constantly changing needs and expectations and provides the flexibility to implement new processes and policies to resolve information issues in this dynamic environment.
If you are a California resident, the California Consumer Privacy Act ("the CCPA") provides you with certain rights relating to the data that Experian has collected about you. Those rights include:
In order to exercise your rights through our online portal, please click the link below.
Please note that you may have additional rights under state and federal laws separate from your rights under the CCPA. Those laws include the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the Driver’s Privacy Protection Act, and the Health Insurance Portability and Accountability Act. The protections provided by those laws are separate from your rights under the CCPA and may apply in place of some of the rights under the CCPA.
NOTE: This section is not designed for inquiries related to an individual's credit report.
If you would like to order a copy of your personal credit report or your credit score or for fraud assistance, we offer the following fast and efficient service options:
Online: Go to Personal Services and select any of our options for ordering your personal credit report.
By Phone: Contact Experian's National Consumer Assistance Center at 1 888 EXPERIAN (1 888 397 3742).
If you already have an Experian credit report you can dispute your information online. Or, contact us at the phone number on your report. We cannot accept disputes via email.
For questions about your credit monitoring membership, please visit our contact us page.
If you have any questions about Experian's approach to privacy or any of its specific privacy policies, please write to us at:
Chief Privacy Officer
475 Anton Blvd.
Costa Mesa, CA 92626
Applying individualized collection strategies will help your organization meet regulatory requirements that call for fair consumer treatments.
The below information applies to consumers in the United States of America. If you are a consumer in the United Kingdom, please visit Experian’s UK Consumer Information portal.
If you are a consumer from the United States of America and are looking to take actions related to your credit data such as, receive your credit report, place your credit on hold, etc. please visit experian.com/consumer.
Targeted advertising provides choices, competitive offers and convenience - qualities sought and valued by many consumers. For many, being able to learn about these choices in the comfort of their own homes is extremely important. They look forward to receiving catalogs and other offers of interest. They like having the freedom to comparison shop from home, and they appreciate being able to conveniently purchase the products and services they want and need in their own homes.
Making An Informed Choice
You do have a choice. You can choose not to receive most targeted advertising by opting out. However, you should weigh your decision carefully. While opting out will not eliminate all targeted advertising, it will eliminate most catalogs, preapproved bank and retail credit offers, and other invitation-only offers you may enjoy receiving. Only you can decide what works best for you.
To request opt-out, deletion, a copy of, or to correct your data please visit our privacy portal. To ensure your privacy you will be required to authenticate your identity and then will be allowed to submit your request.
If you prefer to submit your request via phone you may contact Experian at: 833-210-4615
If you prefer to submit a written request, please mail your request to the following address:
Experian Consumer Choice
PO Box 703
Allen, TX 75013
Cookies and 'Do Not Track' Signals
Experian may periodically change its privacy policies as new products and services are offered or as its existing products and services evolve to meet customer needs. Privacy policies are typically dated to reflect the most recent update.
Updated: August 2, 2022
Removed Data Select Policy due to decomissioning of the product
Updated: July 28, 2022
ConsumerInfo.com, Inc. Policy
Updated: July 7, 2022
Updated: November 18, 2021
Updated: March 1, 2019
Updated: October 15, 2018
Updated: May 15, 2018
Updated: June 17, 2015
Updated: May 14, 2015
Updated Opting Out page and subpages Direct Mail and Telemarketing to now include information on online advertising and introduced a new page, Request Experian Marketing Data Report.
Updated: August 26, 2011
Updated: October 16, 2009
Updated: January 28, 2009
Updated: October 31, 2008
Updated: July 22, 2007
The Online Personal Credit Reports policy was updated.
Updated: July 18, 2007
Updated: June 8, 2007
Updated: January 20, 2006
Updated: July 1, 2004
In the "Permission email" section, language was updated to outline how email addresses are shared and used.
Updated: August 28, 2003
Updated: June 12, 2003
Updated: March 11, 2003
The Online Personal Credit Reports policy was updated to state that information other than credit report information may be used for authentication.
Updated: March 7, 2003
ePIN+ is a Web-based relational database system for reporting relevant delivery status about a piece of mail as it moves through the U.S. Postal Service® delivery network, either on its way to a consumer's mailbox, or from an individual delivery point back to a remittance or other service facility.
Updated: February 26, 2003
Within the U.S. section of www.experian.com Web logs and cookies are used to collect aggregated statistics about Web site visitors so that we can better understand what areas of our Web site are of interest to you. This technology does not track any individually identifiable information, but rather records your Web site visit anonymously.
Updated: February 10, 2003
Updated: October 23, 2002
Updated: September 26, 2002
Updated: March 8, 2002
Experian is a non-exclusive Full Service Provider Licensee of the USPS®. The prices established for these products are not established, controlled, or approved by the U.S. Government or the USPS. The following trademarks are owned by the USPS: U.S. Postal Service®
Experian provides a number of information products and services to both businesses and consumers online. Because the collection and use of personally identifiable information may vary among the products and services available on Experian's Web sites, at any point where personally identifiable information is collected, Experian provides notices that explain:
What information is being collected
How the information may be used
What choices you have regarding the collection and use of the information
The notices are clearly posted, either at the point of collection or through an easily identifiable link at the point of collection.
Experian may periodically change its privacy policies as new products and services are offered or as its existing products and services evolve to meet customer needs. Privacy policies are typically dated to reflect the most recent update. To review Updates to Experian's privacy policies, visit the Recent Updates section.
|Sub-processor Name||Sub-processing Actions|
|TeleTech||Sub-processor for call center support|
|CCA||Sub-processor for call center support|
|Moduslink||Sub-processor for call center support|
|Infocision||Sub-processor for call center support|
|IWCO||Sub-processor for postal notifications|
|Asendia||Sub-processor for postal notifications|
|NPC Immersion||Sub-processor for postal notifications|
|SAP||Sub-processor for SMS text notifications|
|PostUp||Sub-processor for email notifications|
|Amazon Web Services||Sub-processor for data warehousing|