Experian plc

Experian is one of the three major credit reporting bureaus, alongside Equifax and TransUnion, operating as a multinational data broker and consumer credit reporting company. It gathers and analyzes extensive personal and financial data on millions of individuals and businesses to create detailed profiles and credit scores. These services are utilized by a wide range of customers, including banks, lenders, and other businesses, for purposes such as credit decisioning, marketing, and fraud prevention. The vast repository of sensitive information, including personal details and financial history, creates significant privacy risks. This data could be misused by malicious actors for identity theft, fraud, and targeted scams. Individuals can take steps to protect their information by being cautious about the personal data they share online and by exercising their right to opt out of having their information used for marketing purposes.