2015 data breach Letter from Experian North America CEO, Craig Boundy, informing T‑Mobile customer their personal information was compromised in Experian server hack. The information offered for anonymous sale on these websites included individual's name, address, Social Security number, date of birth, place of work, duration of work, state driver's licence number, mother's maiden name, bank account number(s), bank routing number(s), email account(s) and other account passwords. Ngo then resold the information he acquired from the Russian hacker through the identity fraud enabling websites and. However, Ngo testified under oath that the information he had sold to identity thieves had actually been acquired from another hacker based in Russia, and not Experian or Court Ventures. This information had been allegedly purchased from Experian subsidiary and data aggregator Court Ventures. Department of Justice with attempting to sell personally identifiable information on hundreds of thousands of U.S. In 2013 a Vietnamese national, Hieu Minh Ngo, was charged by the U.S. It was first used by the Labour Party, but then taken up by the Conservatives in the 2015 General Election campaign. In the British version there are 15 main groups, broken down into 89 hyperspecific categories, from "corporate chieftains" to "golden empty-nesters" which can be taken down to the level of individual postcodes. Its market segmentation tool, Mosaic, is used by political parties to identify groups of voters. Experian heavily markets its for-profit credit reporting service,, and all three agencies have been criticised and even sued for selling credit reports that can be obtained at no cost. Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers.
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The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003, amended the FCRA to require the credit reporting companies to provide consumers with one free copy of their credit report per 12-month period. In the United States, like the other major credit reporting bureaus, Experian is chiefly regulated by the Fair Credit Reporting Act (FCRA). In October 2017, Experian acquired Clarity Services, a credit bureau specialising in alternative consumer data. Consumer Financial Protection Bureau fined Experian $3 million for providing invalid credit scores to consumers.
Įxperian shut down its Canadian operations on 14 April 2009. In January 2008, Experian announced that it would cut more than 200 jobs at its Nottingham office. The FTC alleged that ads for the "free credit report" did not adequately disclose that Experian customers would automatically be enrolled in Experian's $79.95 credit-monitoring program.
In August 2005, Experian accepted a settlement with the Federal Trade Commission (FTC) over charges that Experian had violated a previous settlement with the FTC. In October 2006, Experian was demerged from GUS and listed on the London Stock Exchange. GUS merged its own credit-information business, CCN, which at the time was the largest credit-service company in the UK, into Experian. Just one month later, the two firms sold Experian to The Great Universal Stores Limited in Manchester, England, a retail conglomerate with millions of customers paying for goods on credit (later renamed GUS). In November 1996, TRW sold the unit, as Experian, to Bain Capital and Thomas H. in 1968, and subsequently renamed TRW Information Systems and Services Inc. The company has its origins in Credit Data Corporation, a business which was acquired by TRW Inc. law to provide consumers with one free credit report every year. Like all credit reporting agencies, the company is required by U.S. Its consumer services include online access to credit history and products meant to protect from fraud and identity theft. In addition to its credit services, Experian also sells decision analytic and marketing assistance to businesses, including individual fingerprinting and targeting. It is one of the "Big Three" credit-reporting agencies, alongside TransUnion and Equifax. Experian is a partner in USPS address validation. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. The company employs approximately 17,000 people and had a reported revenue of US$5.18 billion for the fiscal year ended in March 2020. The company operates in 37 countries with offices in Brazil, the United Kingdom, and the United States. Experian collects and aggregates information on over 1 billion people and businesses including 235 million individual U.S.
Experian is a multinational data analytics and consumer credit reporting company headquartered in Dublin, Ireland.
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