Purchased a Premium Product from Experian? You May Have a Claim.

When you sign up for a service to monitor your credit or protect your identity, you expect security, peace of mind, and transparency, but what happens when the company providing those services tries to silence you if you speak out about your experience? 

That’s the issue at the center of a growing legal concern with Experian Consumer Services (“Experian”), the division of Experian that sells credit management and identity protection products.

What’s Going On With Experian’s Terms of Use?

Experian’s Terms of Use Agreement reportedly contains a non-disparagement clause. This clause prohibits consumers from making any statements that, in Experian’s sole discretion, “disparage or discredit” the company or its services.

What does that mean in practice? If you post a negative review online about your Experian subscription, Experian could terminate your account or block you from accessing the services you already paid for, including premium products such as:

• CreditWorks
• IdentityWorks
• ProfilePlus Report
• CreditScore Report

This kind of clause may be unlawful.

Why These Clauses Violate Consumer Rights

California law recognizes that consumers should be able to share their opinions—good or bad—about products and services without fearing retaliation. California Civil Code Section 1670.8, passed in 2014, prohibits companies from including terms in consumer contracts that restrict or punish customer speech.

The law was created after a high-profile case in Utah, where a couple faced financial penalties and damaged credit simply for leaving a negative online review. California legislators stepped in to prevent companies from using similar tactics against consumers in the state.

Under this law, companies cannot force you to waive your right to free expression in exchange for purchasing their goods or services. These restrictive contract terms are considered unfair, unlawful, and unenforceable.

Experian’s Terms of Use allegedly violate California law by requiring customers to give up their right to speak freely about the company’s products and services. Morgan & Morgan is representing clients in individual arbitration claims against Experian, asserting violations of California Civil Code Section 1670.8 (non-disparagement clause prohibition) and California’s broader consumer protection laws.

This case is about protecting consumer rights and ensuring that corporations can’t silence valid criticism.

Could You Be Eligible for a Claim?

You may qualify for a claim for monetary compensation under California’s consumer speech law if:

• You live in California, and
• You purchased a premium Experian product (such as CreditWorks, IdentityWorks, a ProfilePlus Report, or a CreditScore Report) within the two years
   

If this applies to you, Morgan & Morgan encourages you to check your eligibility.

Why This Matters for All Consumers

Consumer reviews—positive and negative—help people make informed choices. When companies attempt to silence negative feedback through restrictive contracts, they undermine the free flow of information that keeps markets fair and transparent.

No one should be punished for leaving an honest review. California law makes sure of that. And Morgan & Morgan is here to stand up for consumers whose rights have been violated.

Morgan & Morgan Can Help

If you purchased an Experian premium product and believe you may have been subject to unlawful contract terms, you don’t have to fight alone. At Morgan & Morgan, we believe consumers should never be silenced by corporations. Our attorneys are actively pursuing claims to hold Experian accountable for allegedly violating California’s consumer protection laws.

If you live in California and purchased an Experian premium product within the past year, you may qualify for compensation. Contact us today for a free case evaluation to learn more.