What Experian Automotive does

Experian Automotive is a division of Experian Information Solutions, Inc., itself a subsidiary of publicly traded Experian plc (NYSE: EXPN). Headquartered in Schaumburg, IL with approximately 239 employees, the division operates an automotive data intelligence platform that integrates Credit, Vehicle, and Consumer data, a combination it claims no other provider in the U.S. market offers as a primary source. Its product portfolio spans vehicle history (Experian AutoCheck), automotive market statistics (Velocity, VIO), credit and risk services, fraud prevention (Fraud Protect), and marketing activation (Experian Marketing Engine, AutoCount Accelerate, automotive audiences). These products are delivered through an enterprise field-sales motion with self-service client portals and a developer API layer.

The division serves a broad cross-section of the U.S. automotive ecosystem: franchise dealers (90%+ penetration), all six public dealer groups, virtually every OEM, more than 90% of the Top 50 auto lenders, plus insurance carriers, FinTech companies, ad agencies, and the automotive aftermarket. Its go-to-market is primarily enterprise and quote-based, with no public pricing. Revenue is generated through data monetization services to the automotive industry under the Experian plc umbrella, with the parent company also providing global reach across 30+ country sites. Distribution combines direct enterprise engagement with portal-based authenticated access and a developer platform for integration.

Operationally, Experian Automotive functions as a non-disclosed vertical within Experian plc, with its competitive position anchored in data scale, brand recognition, and near-universal adoption among U.S. automotive lenders, dealers, and OEMs. Its strategic emphasis is on expanding the use cases of its core data assets into adjacent categories such as electric vehicles, fraud, insurance, FinTech, and marketing activation.

Name

Experian Automotive

Legal name

Experian Information Solutions, Inc.

Website

https://experianautomotive.com

Company type

Public

Operating status

Operating

Headcount range

101–250 employees

Short description

Experian Automotive is the U.S. automotive data division of Experian plc (NYSE: EXPN), offering integrated Credit, Vehicle, and Consumer data products to OEMs, dealers, lenders, insurers, FinTechs, ad agencies, and aftermarket firms, with stated penetration of 90%+ of franchise dealers and top U.S. auto lenders.

Ownership category

akta.pro rank

Product category

Automotive Data Analytics

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Automotive data intelligence
• Vehicle history reports
• Credit risk analytics
• Automotive market statistics
• Fraud prevention services

Headquarters

HQ city

Schaumburg, IL

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Data Intelligence Services: Providing compliant data intelligence services to automotive industry including vehicle history, credit, and consumer data solutions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Experian Automotive operates as an integrated automotive data intelligence platform, positioned as the only primary data source combining Credit, Vehicle, and Consumer data for the automotive industry. It delivers vehicle history data (AutoCheck), credit solutions for risk evaluation and portfolio management, fraud prevention (Fraud Protect), marketing platforms (Experian Marketing Engine, Velocity), and automotive market statistical data. These offerings serve OEMs, franchise and independent dealers, auto lenders, FinTech companies, insurance providers, ad agencies, and aftermarket companies.

Product overview

Experian Automotive is an automotive data intelligence platform that operates as the only primary data source for Credit, Vehicle, and Consumer data. The platform offers a comprehensive suite of solutions including vehicle history data services (Experian AutoCheck), credit services, fraud prevention (Fraud Protect), marketing solutions (Experian Marketing Engine, Velocity), automotive market statistics, insurance solutions, and audience targeting. These products are designed to serve OEMs, dealers, lenders, FinTech companies, insurance providers, ad agencies, and the automotive aftermarket. The offering operates as an integrated data intelligence platform where the core data assets (vehicle history, credit, consumer data) power multiple solution areas including marketing, risk management, fraud prevention, and market analytics.

Differentiator

Problem solved

Functional benefit

Brands

• AutoCheck: Vehicle history data service providing comprehensive vehicle history reports.
• Velocity
• Fraud Protect
• Experian Marketing Engine
• AutoCount Accelerate

Products and services

• Fraud Protect

Named customers8 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Carfax: Carfax (a Cox Automotive company) is the dominant vehicle history report provider and direct functional competitor to Experian AutoCheck, competing for the same dealers, lenders and consumers.
• Black Book: Black Book provides vehicle valuation and pricing data widely used by dealers, lenders and the automotive aftermarket — a direct peer to Experian's valuation and VIO analytics products.
• TransUnion: TransUnion is one of the three U.S. nationwide credit bureaus and a direct peer in automotive credit reporting, risk decisioning and fraud prevention sold to the same lender and dealer customers.
• Equifax: Equifax is the third major U.S. credit bureau and a direct competitor to Experian in automotive credit reports, identity verification and portfolio analytics for auto lenders.
• J.D. Power: J.D. Power provides automotive market research, valuation data and quality analytics to OEMs, dealers and lenders, overlapping with Experian Automotive's market statistics and credit insights offerings.
• Cox Automotive: Cox Automotive owns Carfax, Kelley Blue Book, Manheim, Autotrader and Dealertrack, making it the most direct competitor to Experian Automotive across vehicle history, valuation, dealer marketing and lender data services in the U.S. auto ecosystem.
• S&P Global Mobility: S&P Global Mobility (formerly IHS Markit Automotive) supplies automotive market intelligence, vehicle specifications and forecast data to OEMs, dealers and lenders — directly competitive with Experian's Velocity and Vehicles-in-Operation analytics.

Emerging players

• Cars.com: Cars.com is a leading U.S. automotive marketplace and dealer solutions provider with overlapping dealer marketing and consumer audience capabilities relative to Experian Marketing Engine.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions (RELX) provides identity, fraud and alternative credit data to automotive lenders and insurers — a competing data stack to Experian's Fraud Protect and credit decisioning products.
• TrueCar: TrueCar operates an automotive pricing and marketplace platform with dealer and lender data integrations; it competes in the dealer marketing and pricing intelligence lane adjacent to Experian's marketing and Velocity products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/experian-automotive

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Experian Automotive