Better Health for All

Experian Health offers solutions that aim to improve patient access to healthcare by addressing financial barriers, including tools for price transparency, financial assistance programs, and payment plans.

The acquisition of WaveHDC aims to reduce upfront patient costs to 10% from previous full payments. However, the company's principal goods and services, as an information services company, are primarily focused on credit risk, fraud prevention, and marketing, which have a neutral direct health impact. Despite commitments to protecting data, using it fairly, and ensuring accuracy, there have been documented privacy lapses involving the linking of consumer data with health records. A 2010 study also revealed that nearly 1.5 million Americans were victims of medical identity theft. While Experian Health has established procedures to comply with HIPAA, GLBA, and FCRA, and transmits data via encrypted web servers, these incidents indicate vulnerabilities and incomplete transparency in practice. The company's products do not have direct safety implications for physical or mental health, nor do they generate revenue from products with well-established negative health outcomes.

Fair Money & Economic Opportunity

Experian settled a $24 million lawsuit in December 2020 with consumers regarding harmful reporting practices related to data from a predatory lender.

In May 2024, it introduced Cashflow Attributes™, enabling lenders to integrate banking data for improved predictive accuracy, with 71% of consumers willing to share this information for credit approval. Experian Boost allows consumers to enhance credit scores by including utility payments and subscriptions. In April 2021, Experian collaborated with not-for-profit community lenders to provide affordable credit options for individuals ineligible for mainstream loans, noting that approximately 25% of customers searching through its services couldn't access mainstream offers. A February 2025 report highlighted that minority-owned small businesses receive 7% to 37% less funding across most commercial lending products compared to non-minority-owned businesses, indicating an opportunity for lenders to bridge this gap.

Fair Pay & Worker Respect

In FY24, 38.86 ethical breaches and human resources matters were substantiated following investigations of 134 reported concerns.

For FY25, the CEO to median employee pay ratio was 136:1. The overall employee engagement score for FY25 was 82%.

Fair Trade & Ethical Sourcing

Experian, a data and technology company, does not procure or trade physical commodities.

The company reported no instances of modern slavery in its business or supply chain for FY25, and no modern slavery risks were identified in FY23-FY24. For its 98 high-risk suppliers, 48% of contracts included anti-slavery clauses in FY23.

Honest & Fair Business

Experian maintains a comprehensive Anti-Bribery and Corruption Policy and Framework that bans improper payments in all business transactions.

This framework extends to third-party networks and business partners. , with due diligence, screening, and training for intermediaries. All employees receive mandatory online annual training on preventing and detecting improper payments and certify compliance. The Experian plc Board oversees the framework. , and corporate audit staff are used to identify and assess potential improper payments. The company has a formal Whistleblower Policy. with a global confidential helpline available 24 hours a day, 7 days a week, for anonymous reporting. Experian states a zero-tolerance policy for retaliation. Whistleblowing reports are received by the Head of Global Internal Audit. , assessed by a triage committee, and reviewed biannually by the Audit Committee. In 2024, 73% of Experian's board members were independent non-executive directors. The Consumer Financial Protection Bureau (CFPB) filed lawsuits against Experian Information Solutions Inc. for alleged violations of the Fair Credit Reporting Act (FCRA), including improper collection of dispute information and failure to send complete dispute records. In April 2024, Experian successfully appealed against the UK's Information Commissioner's Office. , with the Tribunal upholding that Experian's data processing practices complied with data privacy regulations. In 2021, its Brazilian subsidiary, Serasa Experian, experienced a data breach exposing personal information of 220 million individuals.

Kind to Animals

Experian PLC operates as an information services company, focusing on data analysis and credit services.

Its business model has no direct involvement with animal testing, animal welfare, or animal agriculture. The company does not produce animal-derived products or use animal inputs, nor do its operations directly impact wildlife habitats. Experian maintains a neutral position on animal welfare, as these issues are not applicable to its core business activities.

No War, No Weapons

Experian engaged in defense contracts totaling approximately $469,070 from 2000 to 2020, primarily for credit reporting and systems engineering services.

Despite these engagements, the company states it remains distant from direct military manufacturing or operations. Its collaborations with government entities focus on enhancing cybersecurity through identity management expertise, identity fraud prevention, and risk-based authentication for e-government security innovations, explicitly without direct military applications. Experian also supports veterans and military families by offering free financial resources and honoring veteran business owners, promoting economic support without engaging in conflict facilitation.

Planet-Friendly Business

Experian's SBTi targets are validated, with Scope 1 and 2 targets aligned with a 1.5°C scenario and Scope 3 targets aligned with a 'well below 2 degrees' scenario.

The company sourced 87% of its total electricity from renewable sources in FY25. Its non-hazardous waste diversion rate was 71% in 2025 (59% recycled, 12% incinerated). In FY25, 32% of Experian's suppliers by spend had science-based targets, with a goal of 78% by 2029. The company has mapped its global operations and found only one small office in a biodiversity risk area, stating its operations do not depend on or present a risk to biodiversity. Experian reported no new environmental compliance findings or sanctions in FY24. The company has a TCFD report and index, and its strategy considers different climate-related scenarios, including a 2°C or lower scenario, as described in its FY24 Annual Report. Experian aims to become carbon neutral in its own operations by 2030, with a 50% reduction in Scope 1 and 2 emissions by the same year.

Respect for Cultures & Communities

Experian has formal partnership agreements with more than 25 nonprofit and diversity organizations.

No cultural appropriation incidents have been reported in the provided articles. The company's operations do not involve activities requiring Free, Prior and Informed Consent (FPIC) processes. Experian demonstrates strong language inclusivity, with its credit reports and financial education content available in English and Spanish, and its Code of Conduct provided in Chinese, German, Polish, Portuguese, and Spanish.

Safe & Smart Tech

Experian demonstrates a strong commitment to ethical AI and data security. The company trained 94% of its Experian Malaysia workforce in Generative AI (GenAI) best practices, covering privacy, compliance, and ethical standards.

Experian partnered with Dynamo AI to establish a comprehensive security framework for GenAI, including penetration testing of large language models and real-time monitoring for risk mitigation. The company has established governance frameworks and Global Data Principles that guide its data management and product development processes globally, emphasizing responsible AI use, transparency, fairness, and inclusion, and focusing on the development of AI systems that protect human rights. Experian has integrated AI-powered credit risk assessment, which improved credit reporting accuracy by 30% and enhanced real-time fraud detection and reliable credit scoring by evaluating income sources and integrating non-traditional financial data. Its Global Data Principles and focus on human rights in AI development also reflect a positive stance on digital rights.

Zero Waste & Sustainable Products

The company recycled 59% of its non-hazardous waste in 2025.

It achieved a 33% reduction in single-use plastics in FY24 and has an internal target to reduce avoidable single-use plastics in operations by 95% by FY26. Waste reduction initiatives include a single-use plastics reduction program, which measured over 2 million avoidable items in FY23, and site consolidation resulting in a 19% reduction in floor area in FY25. For hazardous waste, the company contracts specialist companies to collect and recycle Waste Electrical and Electronic Equipment (WEEE) and follows NIST guidelines for data destruction.