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. These principles apply to all our data, in all our businesses, and in every country. We developed the principles 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 data is guided by our Global Data Principles. Our Global Data Principles embody our key values and are used as a framework to guide how we manage and use data, build products and conduct our business around the world.
Data policies, built on our principles, more specifically define how that 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 the Global Data Principles, 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.
To learn more about your rights under the CCPA, please see our California CCPA Privacy Policy.
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.
You may learn about your rights relating to your Experian credit data here. To obtain a copy of your Experian credit report, please go to https://Experian.com/report.
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
Compliance Department
Experian
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.
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
If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies, or to be given the choice of declining or accepting the transfer of a particular cookie, or cookies from a particular website, to your computer. At this time we do not respond to 'do not track' browser 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.
Recent updates to any Experian U.S. privacy policy will be posted to this section.
Updated:February 9, 2023
Removed Data Select Policy due to decomissioning of the product
Updated: February 28, 2023
ConsumerInfo.com, Inc. Policy
Updated: July 7, 2022
CCPA Privacy Policy
Updated: November 18, 2021
CSID Privacy Policy
Updated: March 1, 2019
Updated the U.S.- EU Privacy Shield Privacy Policy to include the application of the policy to the United Kingdom.
Updated: October 15, 2018
Modified URL link for the independent dispute resolution mechanism in the U.S.- EU Privacy Shield Privacy Policy.
Updated: May 15, 2018
Experian U.S.- EU Privacy Shield Privacy Policy added to the Experian.com website.
Updated: June 17, 2015
Updated Hitwise Privacy Policy to now include information about data collected through partnerships.
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
Experian ConnectSM
Updated: October 16, 2009
The AutoCount privacy policy.
Updated: January 28, 2009
The Experian Small Business privacy policy was added.
Updated: October 31, 2008
The AutoCount privacy policy.
Updated: July 22, 2007
The Online Personal Credit Reports policy was updated.
Updated: July 18, 2007
Autocheck privacy policy updated integrating commercial and consumer policies and enhancements to non-personal information uses.
Updated: June 8, 2007
The AutoCount consumer privacy policy was added.
Updated: January 20, 2006
The AutoCheck consumer privacy policy has been updated. Changes include revisions to the Information Collection and Uses section, and the addition of information on how Experian uses Web site 'cookies'. Web Log Information has also been replaced with the Web site Analysis section which further defines our Web site measurement practices.
Updated: July 1, 2004
In the "Permission email" section, language was updated to outline how email addresses are shared and used.
The AutoCheck® Vehicle History Report privacy policy has been updated.
Contact information for questions regarding the privacy policy was updated.
Updated: August 28, 2003
The Auto Prospect Online privacy policy was added.
Updated: June 12, 2003
The AutoCheck privacy policy was updated for consumers, and a privacy policy for commercial users has been created. In each, Experian identifies the use of a credit card processing company. In the commercial, Experian retains the commercial users' credit card information for billing purposes only.
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
The Opting out of Direct Mail and Opting out of Telemarketing sections of Experian's privacy policy were updated to reflect a new telephone number to contact Experian.
Updated: October 23, 2002
Experian's product and service privacy section of our U.S. Web site was updated to add a privacy policy description for business-to-business Internet client registration. This application is for new and current subscribers serviced by Experian Information Solutions, Inc.
Updated: September 26, 2002
Experian's product and service privacy section of our U.S. Web site was updated to add a privacy policy description for List Link ExpressSM and List Link AdvancedSM business-to-business online prospecting tools of Experian Marketing Solutions, Inc.
Updated: March 8, 2002
Experian's Product and service privacy policies section of our U.S. Web site was updated to add a privacy policy description for AutoCheck, Experian's comprehensive vehicle history report service. Please visit our AutoCheck privacy policy for more information.
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.
Policy Details
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 |