![]() ![]() 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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