When it comes to personal credit reports, Experian is one of the three giants who are involved in the business. Experian is an Anglo-Irish global credit reporting organization that gathers and aggregates information on over one-quarter of the world’s population. The company has its origins in Credit Data Corporation, a business that was acquired by TRW Inc. in 1968, and subsequently renamed TRW Information Systems and Services Inc.

Dublin-based, with offices in Brazil, the UK, and the US, the corporation has operations in over thirty-five countries. Functioning as part of the UK government’s Verify ID and USPS Address Validation project, Experian is a partner in major analytic projects. TransUnion and Equifax are the other two main credit-reporting organizations. 

Additionally, the organization offers credit counseling and credit score improvement services, as well as decisions analytic and marketing help to small- and medium-sized firms, such as individual fingerprinting and targeting. It provides various services to consumers such as online access to their credit history and fraud prevention and identity protection solutions. Information obtained from Experian reveals how long each specific account will continue to appear on the credit history. Additionally, it displays the previous month’s balance for each account. Experian tends to monitor recent credit queries in further detail than Equifax.


The components of a credit report are revealed by Experian, which would include [A.]  personal information such as previous residences and phone numbers [B.] employment records and [C.] accounts, which include credit cards, loans, mortgages, and [D.] inquiries like any creditors checking a report due to a recent application. 

The methods Experian uses to calculate credit ratings

Credit scores are influenced by many variables, including the total amount of debt that remains outstanding well as the number of late payments, and the length of time the accounts have been in operation. Further, the report is influenced by accounts that use a charge card against the ones that use a car loan.

In actuality, rather than providing lenders with a detailed view of a person’s credit history, Experian provides lenders with a detailed examination of how a person has actually managed their credit debt. This would also involve every credit product or debt a person has opened or applied for to provide lenders with information on how the person has handled their debt.  Lenders may use their own credit scores, which they might specifically design to suit their purposes. Since creditors rely on a person’s credit record for their decisions, information in that report might be misconstrued.

Credit scores may be vastly different even though Experian will have the same information as agencies like Equifax. Even while it is possible to get a low score with one agency and a high score with the other, it is not deemed reliable. A lack of consistency often arises when lenders submit credit information to credit agencies in a non-standardized manner. If a creditor reports to one of the three major credit bureaus, but not to the other two, the resulting credit ratings for that individual will most likely be different.


Credit reporting agency Experian is part of the national credit reporting system. The credit-reporting bureau is overseen by the federal Fair Credit Reporting Act and state-level regulations, which together augment the Fair Credit Reporting Act. While the bureau must also adhere to numerous other laws and industry regulations, the FCRA is significant as a regulatory body over Experian. Consequently, the agency is dedicated to informing the customer when information is being gathered, how it will be used, and giving the customer options for how it will be used.  Customers in conformity with the Fair Credit Reporting Act and with Experian’s Information Values have access to the online personal credit report service.

To avoid releasing someone’s personal credit history or score to a third party without proper identification, it is necessary for the bureau to ensure that the requester is the subject of the report or score in question in compliance with Process Service guidelines. To enable the bureau to guarantee that they only deliver the credit report and/or score to the subject of the request, it is necessary that clients furnish Experian with the needed personal information throughout the online ordering process.

To comply with this additional information request,  the bureau will ask numerous multiple-choice questions regarding the credit history and other personal information that only users should know, not even individuals performing Process Service. To avoid releasing someone’s personal credit history or score to a third party without proper identification, it is necessary for the bureau to ensure that the requester is the subject of the report or score in question. The personal information that is provided to Experian in connection with ordering the credit report or score online is not to be shared with any third parties, except as permitted by law and according to Process Service guidelines. This means that information could be provided to the Experian affiliate only as far as statute may require in the fulfillment of the request and cannot be used for any other purposes.

If a customer requests an investigation of an element in the report that that is inaccurate or incomplete on a said personal credit report, all information relevant to this request must be provided to the credit grantor or data supplier for investigation purposes in compliance with the FCRA. For this reason as well as for fraud detection, Experian must have a collection of the information that is provided to them by the customer. This would involve retention of the customer’s email address and online personal credit report number in order to augment the processing of a request for investigation and Process Service. However, it must be known that the email address does not become part of the credit information and will not be shared with third parties except for legal and subpoena purposes, wherein they will form part of Process Service guidelines. 

Additionally, Experian restricts access to information that the customer has provided only to those employees who need to know such information to in order to process the information the user has requested or pushed to investigate. It is mandated by law that Experian maintains physical, electronic, and procedural safeguards to guard this information as well as distinguishable records. Interestingly, Experian utilizes systems access controls to protect information which would mean that Experian continually monitors access to its systems to detect unauthorized attempts to gain access to information.


It is necessary to furnish full and complete Process Service in order for any lawsuit to be maintainable. Any legal Process Service to Experian institutions should be addressed to one of the many different Experian entities. Consequently, it is imperative to address the subpoena or other legal papers accurately in order for it to be recognized.

For customers, there is recourse to inaccurate information about the credit history of the individual being reported. However, Process Service must be done adequately to prevent the filing of a motion to dismiss, since insufficient Process Service would mean a lack of personal jurisdiction, especially if the claim upon which relief can be granted is not completed. It is possible to amend the pleading if it fails to comply with the requirements, as long as compliance with Local Rule 103.6(c) is done within twenty-one days, This amendment would need to involve filing a clean copy of the amended complaint and a copy of the amended complaint showing the material to be stricken from or added to the original complaint. 

It must be noted that any complaint against Experian must state a claim for which relief can be granted in order for Process Service to be deemed acceptable.  The claim must allege facts to support it, including the content of the false allegations. Only pursuant to this can relief be granted.


The Fair Credit Reporting Act (‘FCRA’) imposes civil liability on any person—defined to include any corporation or other entity,—who willfully or negligently fails to comply with its requirements. 

Process Service must be served upon an Experian entity in compliance with Fed. R. Civ. P. 4. Sometimes, the plaintiff may rely on the Court and the US Marshalls Service to complete the service of process. This mostly occurs in forma pauperis suits, whereinafter the Court will order the US Marshalls’ Service to conduct said Process Service. 

To allow Plaintiff to effect service on Defendant through the U.S. Marshals Service, the Clerk of Court is instructed to fill out a U.S. Marshals Service Process Receipt and Return form (‘USM-285 form’) for this defendant. The Clerk of Court is further instructed to issue a summons and deliver to the Marshals Service all the paperwork necessary for the Marshals Service to effect service upon this defendant.

The plaintiff must notify the Court in writing if their address changes and the Court may dismiss the action if Plaintiff fails to do so.


To access a customer’s report, an organization must have what’s called ‘permissible purpose.’It is legal for firms to investigate personal credit references before doing business with the individual, via the use of a credit report. FCRA severely regulates who may get the credit report and the conditions under which they may do so. Additionally, by having this capacity, the customer also should be able to procure a free copy of their own credit report each year. 

Further, the FCRA  lays down highly specific criteria for why other individuals may request a copy of the customer’s credit report, being [A.] upon application for credit or insurance, [B.] in connection with a customer-initiated business transaction, [C.] to extend a ‘preapproved’ offer of credit or insurance, [D.] if the customer applies for services such as utilities or cellphone accounts, [E.] when a business has an existing credit or insurance relationship with the customer, [F.] for employment purposes, with written permission (employers do not get to see the credit scores) or for the purposes of a potential investor assessing the risk of a current obligation, [G.] when the customer applies for a license or other benefit granted by the government, applicable also in connection with a child support determination or [H.] in response to a court order or federal grand jury subpoena and for Process Service.  

It must be known that by virtue of mere application for an account like a credit card or a loan, the business acquires permission to access their credit report as part of their approval process. Sometimes, this permission is not even explicit. 

To the customer, notice will be provided when one’s credit history is accessed with credit applications. This often indicates that by signing the application, the customer is giving the lender permission to access their credit history. In fact, the only time explicit, written permission is required is when the credit is checked for employment purposes. 

Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers. Experian heavily markets its for-profit credit reporting service,; All three agencies have been criticized and even sued for selling credit reports that can be obtained at no cost.

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1. FICO, a Fair Isaac Company, has developed an algorithm to arrive at a credit score from 300 to 850.

2. Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

3. If the individual provides their email address, Experian will store it with the online credit report number and will notify said individual when their investigation is completed.

4. Rule 3-124 – Process-Persons to be Served, Md. R. Civ. P. Dist. Ct. 3-124

(d) Corporation. Service is made upon a corporation, incorporated association, or joint-stock company by serving its resident agent, president, secretary, or treasurer. If the corporation, incorporated association, or joint-stock company has no resident agent or if a good faith attempt to serve the resident agent, president, secretary, or treasurer has failed, service may be made by serving the manager, any director, vice president, assistant secretary, assistant treasurer, or other people expressly or impliedly authorized to receive service of process.

5. Brown v. Experian Credit Reporting, No. 12-cv-2048-JKB (D. Md. Dec. 18, 2012)
pro-se plaintiff Chevra D. Brown (‘Plaintiff’) filed suit in the District Court of Maryland for Baltimore County against Experian Credit Reporting (‘Experian’). On May 25, 2012, Plaintiff filed an amended complaint in the State court. The amended complaint alleged that Experian ‘has persistently reported derogatory and inaccurate statements and information relating to Plaintiff and Plaintiff’s credit history to third parties.’ Despite Plaintiff’s alleged efforts to bring these inaccuracies to Experian’s attention, Experian had allegedly failed to correct them

6. see 15 U.S.C. § 1681a(b)

7. Walker v. Schult, 717 F.3d. 119, 123 n.6 (2d Cir. 2013

8. Murray vPataki, 378 F. App’x 50, 52 (2d Cir. 2010) (‘As long as the [plaintiff proceeding IFP] provides the information necessary to identify the defendant, the Marshals’ failure to effect service automatically constitutes ‘good cause’ for an extension of time within the meaning of Rule 4(m).’).

9. Anderson v. Experian, 19-CV-8833 (ALC), (S.D.N.Y. Feb. 19, 2020)

10. See Meilleur vStrong, 682 F.3d 56, 63 (2d Cir. 2012) (holding that it is the plaintiff’s responsibility to request an extension of time for service);


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