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Experian Limited
294banking decisions
21.1%uphold rate
232not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Credit file reporting | 223 | 53 | 23.8% |
| Complaint handling | 32 | 13 | 40.6% |
| Data and privacy | 32 | 4 | 12.5% |
| Charges and fees | 24 | 5 | 20.8% |
| Identity checks and access | 19 | 1 | 5.3% |
| Service failure | 11 | 4 | 36.4% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 15.2% | — | — | 185 |
| FOS | 2025-H1 | 13.4% | — | — | 73 |
| FOS | 2024-H2 | 18.0% | — | — | 70 |
| FOS | 2024-H1 | 22.2% | — | — | 74 |
| FOS | 2023-H2 | 26.5% | — | — | 71 |
| FOS | 2023-H1 | 23.3% | — | — | 107 |
| FOS | 2022-H2 | 32.5% | — | — | 73 |
| FOS | 2022-H1 | 27.2% | — | — | 88 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.