Firm analysis

Experian Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Experian Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

371 published decisions involving Experian Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

371

Firm-specific decision volume in the public corpus

Upheld rate

21.8%

81 upheld decisions

Latest published decision 16 Dec 2025

Published decisions

371

Firm-specific decision volume in the public corpus

Upheld rate

21.8%

81 upheld decisions

Leading product

Banking and credit

203 decisions

Leading complaint theme

Delay In Claim Handling

39 tagged decisions

Experian Limited at a glance

Experian Limited appears in 371 published decisions in this corpus. 21.8% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and credit is the firm’s clearest product exposure in the published decisions, with 203 decisions and an upheld rate of 19.7%.

  • Latest active year in the published data: 2025 (26 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Experian Limited's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Experian Limited appeared in 26 published decisions with an upheld rate of 15.4%.

  • 2025: 26 decisions, 15.4% upheld
  • 2024: 21 decisions, 23.8% upheld
  • 2023: 24 decisions, 16.7% upheld
  • 2022: 34 decisions, 41.2% upheld
  • 2021: 40 decisions, 15.0% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Experian Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Conc, Disp are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and credit: 203 decisions
  • Second complaint theme: Fraud Or Scam Concern
  • Second precedent signal: Conc

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-579076716 Dec 2025Not upheld

Experian Limited · Consumer Credit

DRN-5790767 The complaint Mrs B says Experian Limited has acted unfairly as despite having a high credit score, she has been declined for credit with third-party lenders. What happened Mrs B says she’s been declined lending and credit agreements with various lenders, despite her Experi... (3 pages)

View source decision
DRN-577311315 Dec 2025Not upheld

Experian Limited · Consumer Credit

DRN-5773113 The complaint Mr Z complains Experian Limited were incorrectly reporting information on his credit file and didn’t notify him of a default. What happened After being declined for a loan with a third-party lender, Mr Z says he became aware his Experian credit file wasn’t refl... (3 pages)

View source decision
DRN-598567009 Dec 2025Not upheld

Experian Limited · Consumer Credit

DRN-5985670 The complaint T, a limited company, complains Experian Limited isn’t reporting all accounts the business hold on its credit file. T also says, Experian is reporting information about a cancelled account, when it shouldn’t be. T is represented in bringing this complaint by it... (3 pages)

View source decision
DRN-593912103 Dec 2025Not upheld

Experian Limited · Consumer Credit

DRN-5939121 The complaint Mr R complains about issues experienced with Experian Limited when trying to access his credit report and account online. What happened In April 2024 Mr R says he was unable to log in to access his Experian credit report and account, so he contacted Experian to... (3 pages)

View source decision
DRN-586368002 Dec 2025Not upheld

Experian Limited · Consumer Credit

DRN-5863680 The complaint Mrs J complains Experian Limited trading as Experian didn’t properly deal with her concerns about incorrect information being provided by a lender. What happened Mrs J had an account with a lender I’ll refer to as S. She said S were reporting incorrect informat... (3 pages)

View source decision