Experian

Since October of last year, I have been receiving fraudulent charges from Experian.com at least once or twice a month. I have never visited their site nor ordered a credit report but I continue to get charges from them at least once or twice a month! Every time I call, they just say, "Oh, this happens all the time. I will shut down the account and refund your money." I have done this so many times now I now have Experian on speed dial. I have changed both my debit card and credit card numbers but somehow the charges keep coming and I never get any other fraudulent charges from any other company, just Experian. I have asked them to block my card from being used at all and they said they can't do that. I will either need to get a new card or keep calling back to cancel the charges. The most recent just happened today. I just received another two charges.

I noticed two Experian charges of $19.95 on my credit card. I called the credit card company and they put a block on Experian charging me for anything and replaced my card with a new one. Yes, that's a pain but the old number is totally compromised. They also told me to call Experian and ask for an explanation. I did and was told that someone had opened an account with my card number. The Experian woman was chatty and told me the name of the person. He had only used a first name and an initial for a last name! Come on! Experian actually opened an account with that info! Shame on them. I'm amazed by this experience and now feel that I have to constantly check my credit cards for phony charges. What a pain in the ass.

It actually does not look like this is Experian's fault, but someone is using their services to commit fraud. One of my credit card companies contacted me because of unusual charges. They reversed them and issued a new card. One of them was from Experian which was worrisome. The next week, more charges popped up on a different card. Someone used my cards to pay for credit reports for four other people. I am guessing they also used someone else's card to pay for a credit report on me, which is how they were able to more easily gain access to multiple accounts (finding out where I bank, etc).

The gentleman I spoke to mentioned that they were getting a lot of calls about this. There are different types of charges and different phone numbers for them based on the types of services that were ordered (monthly protection, one time, etc). You will need to give them your credit card number most likely for them to find all the charges and block all the accounts, because beyond the billing information, none of the other information is yours.

I checked my statements on my debit card. I was charged $31.99 in April and now $19.99 yesterday. I haven't even signed up for their services nor do I want their service now. Fraud. I will call them after work to dispute. Join me in a lawsuit anyone?

In March, Experian charged my credit card $19.95. I had not contacted them for anything nor authorized any charges. My credit card company reversed the charge. I just found another charge from April for $12.95! Is this really Experian doing this or some other group impersonating them? The merchant name was slightly different each time (Experian Credit Report and Experian Credit Score). Either way, it is a scam and I am annoyed!

Like many others, I noticed a "recurring charge" of $19.95 on my bank statement. I had ordered a "free" Experian report on 4/20/12 and my account was charged on 4/25/12. Nowhere did I enter my debit card number. I don't know how they got it. When I called the 877 number listed on the charge, I was told the card was blocked and the charges would be reversed. When I asked about the scam, they couldn't give me any answer. They said a person named "Batty" used my card. They said I could request a subpoena be issued by writing to P.O. Box 19729, Irvine, CA 92623. I have no clue what is going on and want you to follow up and get to the bottom of this. Thank you!

Just got my credit card bill. It has a $12.95 charge for a credit report that I neither ordered nor received. I put it in dispute with my credit card company. I emailed Experian and got a stupid form email back telling me of the services they would like to sell me. I want to know how they got my credit card number. Thieves.

I canceled Experian. Now, they are still debiting money from my bank account. They are stealing money out of my bank account. How do I put a stop to this?

Once again, I was charged $19.95 by Experian fraudulently. It happened in March 2012 and now again in April 2012. I had called and got reversals for the charges in March and was told I needed to change my credit card number. I did not do that because it is a major inconvenience for me. When I was charged again in April, I called and they said they would reverse the charges again but somehow, could not stop this recurring charge. I told them they needed to fix their process and block these charges. Eventually, the woman said she thinks my "account" is now blocked, but I don't know if that is true.

I called my credit card company and they said they could re-issue a new card, but they cannot simply block one single payee (Experian). They said it is a known problem with Experian where Experian does not require the 3 digit code on the back of the card. I decided not to get a new card and to simply monitor my charges and call them monthly to reverse the charges until Experian fixes their process or blocks my charge card/account.

I answered an internet ad offering a free credit report from Experian. In the process of obtaining my "free" report, they asked for a credit or debit card. They charged me $1.00 even though this report was supposedly free. Then about two weeks later, a charge of $13.75 appeared on my bank statement. I called my bank, found out that it was listed as a "recurring monthly charge" from Experian. I called Experian, they refused to refund this money so I wrote a letter to their consumer complaint department. This is out and out fraud, but I have not heard anything back from this company. Caveat emptor. Even the credit bureaus rip you off.

I googled for a free annual credit report and apparently, was directed to the Experian website. Rather than a free report, I was later charged $31.95 for the report and was enrolled in their membership program without authorization. 8 days after receiving my not-free report, I was charged a $17.95 membership fee. I immediately contacted customer service. The female CSR I spoke with stated they would not refund the $17.95 fee as I did not cancel the membership within 7 days. I was very upset and told her to cancel the membership, which I did not authorize, effective immediately. She then attempted to hard sell the membership at a reduced rate. How can Experian charge a $17.95 monthly fee for membership and at the same time, offer to charge about 1/2 of that amount? Ultimately, I was charged over $50 for a free report. Why was my report not free? I have no idea how to have my money refunded. Beware of Experian.

On 4/2/12, I noticed a charge of $33.95 on my checking account from Experian for a credit report. I had not ordered a credit report and had not used Experian for anything for at least 5 years. I called them and was told that an account had been set up using my debit card, that they would cancel the account and refund the charge. I did receive a refund a few days later. I did not have any other unauthorized charges, but decided to get a new card anyway.

Now, on 4/23/12 and 4/24/12, I had two charges from Experian on a completely different credit card, one for $14.95 and one for $19.95. I called them and again, was told an account was set up using the card number and that it would be canceled and I would be refunded. I have not had any other unauthorized charges on this card. I made them aware that this same thing happened a few weeks ago, but they simply apologized and suggested I get a new card. I have no idea how Experian got my credit card numbers. Experian appears to be setting up false accounts and making fraudulent charges to people's credit and debit cards. This needs to be stopped!

On April 6th, I ordered a one time Experian credit check, directly from their website. I received the credit check with score, and was satisfied with it. I was charged the advertised amount for the credit check and score, and had no problems with the service at that time. On 4/14/12, I then went back to Experian.com, in an attempt to view my already purchased credit report again (you can view it for 30 days). And also, because I was referring the site to my mother. Later on that day, I received an email mentioning my purchase of a three score report for $39.95.

So I went back to the site, and looked under my account info, and noticed I had two prepared reports. One on 4/6/12, and another, a three score report, on 4/14/12. After contacting Experian via email, and explaining to them that I never purchased a second report, I received a reply saying that according to their records, I did, and that they could not "return" the services back to the other agencies, and that this cost is passed on to me. I replied, stating that I not only never authorized such a transaction, but that while visiting their site on 4/14/12, I never saw any message that my credit card was going to be charged for such a transaction.

I received a default "your message was received" email, but have not received a follow up to this last email sent. I will never use Experian again, personally or professionally (I am a real estate agent), and I will never refer them again either. The disparity between all three scores is usually too small to justify the necessity of a three score report (which is why I only authorized a single score report). So I have no problem with using one of the other bureaus for a single check/score report in the future. I just don't want to risk something like this happening again, and having no recourse.

I filed a dispute about my Experian Credit Report. They sent me an email to a link to see the dispute resolution. The link asks for information including social security number. However, it will not allow me to type the number in. There is no other way to review the dispute resolution report and no way to contact Experian otherwise. Plus, they only give you four days to review the resolution online, so they pretty much have you in a stranglehold here.

I signed up for a $1.00 credit report and now I am being billed $19.00 a month.

It charges you $1 but then hits you for recurring monthly fees without ability to cancel online. The credit card bill did not have a number that allowed to cancel. Out and out fraud. It took me months to cancel with disputes going through my credit card. Someone should be filing a lawsuit with this crowd. Even the credit card company said this happens all the time with Experian. Stay away!

I just discovered a $19.95 charge on my debit account for a credit report that I never ordered. The money was just taken out of my checking account without my knowledge or permission by Experian. According to my checking account statement, it was for a credit report. But I have never ordered a credit report. I have never asked for any credit report or wanted one nor have I applied for any credit cards in the past two years. So it doesn't make any sense. I called the company and got no information about why this money was arbitrarily removed from my account without my permission. Isn't this theft? How can it be legal for someone to just take money out of your checking account without your knowledge or permission?

I found a charge of $19.95 from Experian on my credit card. I called the 877 number on my statement to ask Experian the basis of the charge so I would have info for my cc company when I disputed the charge. The Experian rep said he couldn't tell me anything unless I supplied him with my full credit card number! No freaking way! I told him that was not going to happen. So he told me to dispute it with my cc company or I could request a three way call with Experian and my cc company. I told him I'd like to do the 3-way call. So he said I should hang up and he'd call me back once I had my cc company on the line. I would wait for eternity for that call?

I have filed a dispute complaint with my cc, but what a pain in the **. I pay a lot of bills with this card so now I will have to get a whole new cc number etc. How can this keep happening? I see my complaint is just a repeat of many others, no contact with this company yet they charge us and get away with it.

I saw a credit report for $1 and purchased it. I found they charged me $16.95 and probably will every month although I never requested this. This is out and out fraud.

I was billed $17.95 for something I did not order. I called and found out it was some type of credit monitoring fee. I don't remember seeing anything on the web site about this. I have used other credit company websites in the past and have not had this problem. This is the first and last time I will use Experian.

I have a charge on my checking account for $14.95 that I did not authorize. I'd like to know how and why you charged my account without my authority. I will contact authorities to file a suit about this. I see I'm not the only person you're doing this to. Please refund my account now.

I went to file a dispute with Experian but first found out I had to pay for a report and wait for the report number to be mailed to me. Once I received the report number and logged in, it did not work. I spent over 30 minutes on the phone and never had the issue resolved. This company is ** incompetent!

I just got charged $17.95 for something I didn't order. I did not click that I wanted their "membership" but I was just agreeing I would pay one dollar to get a credit score number. That's it. I have called and they said it would not be charged anymore. What a rip off and scam! How they are allowed to do this is beyond me.

Experian falsely charged my credit card $19.95 for a credit report that I never requested. There is no possible way I purchased the credit report. They fraudulently used my card.

I discovered a $19.95 charge on my credit card for a credit report from Experian. I already paid for a monthly credit security service through Citibank, so I knew this was bogus. My credit card company says this is not an unusual complaint. How can a company like Experian fraudulently charge my credit card? They have my number, my SSN, my birthdate, etc. They should be fined by whoever watches over these groups (anyone). Beware.

There are unauthorized Experian charges to my debit card. I have not used the free credit report in over 5 years. I even cancelled before the time given because I didn't want the service. It just wasn't worth what I wanted. I contacted my bank and they disputed the charges and cancelled my card. I was sent a new card along with findings that all was credited. Not 2 days later, a new charge showed up on my "new card". Now, I have to start all over again. They are nothing but thieves and I'm going to prosecute! I'll find my own attorney because I'm tired of being screwed!

Experian charged my credit card $14.95 and $19.95 in March 2012. They said (after I found this web site and called 714-830-7000) that someone ordered credit reports using my charge card. They will refund, but they advised I get a new card (I will not do that unless other charges appear). The problem seems to be Experian itself and not some stolen credit card number since I have not had any similar problems with that card. I would advise that no one should use Experian in the future since they either fraudulently charge these things themselves or they do not have proper controls to ensure these charges do not occur.

I just spent two hours, trying to solve the problem with some fraudulent charges I found in my debit and my credit card. I found charges made by Experian Credit Report that I never authorized. $19.90 USD was taken from my cards per month on 2012, and $14.99 USD for the last months of 2011. Two different people with an account with Experian had been using my cards. I talked to Experian, and they told me they will refund the charges (I hope so). But they also mentioned they can't do anything to prevent this problem. Are you kidding me? Even if their name is involved, they can't do anything? Everybody needs to know what Experian is doing!

I tried online calling multiple phone numbers and I cannot update my current address. So I get charged every time I unfreeze my account. I have moved over a year ago and they have not updated my address so they can keep charging me. When you go online, the only available options to dispute is to purchase their useless credit monitoring junk. They should have a way to contact them online to correct simple items such as addresses.

I noticed an unauthorized charge to my debit card of $14.95 on 3/6/12 by Experian at 18500 Von Karman Avenue, 877-3002507. I found that I was charged again with the identical amount and transaction on 4/6/12. I have not authorized these transactions. I want them stopped and I want my money back.

I know a lot of people are having this issue. I had two charges over the last couple months totaling $50. This is what I did. I called the bank first and canceled the card and had a new one sent out. The hardest part was finding a phone number for Experian that would get me to talk to a person. The phone number is 1-714-830-7000. The representative was helpful and told me the charges will be refunded only took about 10 minutes. He said people are using stolen credit card numbers to use Experian credit report services.

Experian robbed me - Experian somehow got a hold of my debit card number and started charging me $19.95 every month. I had to go to my bank and dispute the charges. My bank got my money back and issued me a new debit card. I have never ordered anything from Experian. I am waiting to see if they do it again like the other people here say they do. These Experian people should all be sleeping with the fishes.

Experian has done nothing to remove a false item from my credit report. The company reporting does not have the right name nor can they provide proof of the alleged debt (because I never had the account and I sent a certified written request to provide). Experian has left the item which "remains unchanged" without verification. It has stated that the line item will remain until September 2015. Why? This doesn't seem legal. There is no proof. How is a company able to provide false information on someone else's credit report? This makes Experian look dirty. Please guide me.

I wanted to get an idea of what my credit score was because I was trying to get my first apartment. I used FreeCreditScore.com and the site stated that there would be a one time fee of about $14. After reviewing my score and getting my apartment, I later noticed that $40-$50 was removed from my checking account on February 29. Yesterday, March 30, I noticed that about $45 was missing from my paycheck that was drafted into my account. When I called my bank to find who was taking my money, they stated that the company Experian charged the amount to my debit card at the end of each month. They also said that I was not the only customer to have this complaint and I was given a number to call.

My bank account has been charged two times in the past week by Experian credit, unauthorized by me. The two charges were $14.95 and $19.95, same as what other people have experienced. The hassle of dealing with this and having my bank deal with this is infuriating.

We were billed $14.95 monthly from November 2011 to February 2012 for a total of $59.80 on our Citi AAdvantage Visa Card. We never subscribed to any services from Experian and we protested these charges that were refunded on 03/08/12. Then on 3/09/12, Experian again billed us $14.95 and on 3/11/12 for $19.95, both on a Citi MasterCard that was never used since the beginning on October 2011.

Through calls to the Citi Fraud Department and to Experian (neither of which provided us with last names of representatives), I was led to conclude that Experian has devised a new fraud scheme that could yield them hundreds of millions of dollars if they are not stopped. Because Experian is billing thousands of people who have never contacted Experian for credit reports or fraud protection services, they are collecting money monthly from thousands of people who (unlike us) do not know they are being ripped off.

When I typed in "$19.95 $14.95 Experian" in a search engine, I was led to your website, (www.consumeraffairs.com) in which several people submitted reports that replicated the exact experience I had. Based on the response I received from Experian and the similar complaints I read online, I believe that Experian intentionally does not ask people for the security code on the back of their credit cards because they want to use credit card numbers of people like ourselves, whom they bill without even having our names, addresses, phone numbers, email addresses and other contact information in their files. This arrangement can provide them with deniability which they did not have when the FTC fined them in 2005 for deceptive and fraudulent marketing.

This new fraud scheme can yield them far more than the million dollars they were fined in 2005. I have written to the FTC and I hope they will protect American citizens from what could be the largest fraud scheme in history.

Unauthorized charge to my checking account - I found a charge from Experian of $19.95 dated March 26th, 2012 (I never bought anything from them). I've never used them. I never gave them any information so I have no idea how they got my debit card number. I would love to sue these thieves.

In February 2012, I checked my bank account and had two $1 charges on my debit card authorizations, which were from Experian. I called the bank fraud department, canceled my debit card and was issued a new card. The bank reversed the charges and I thought all was good. In March 2012, I go to my bank account and I noticed Experian has put a new charge of $19.95 on my debit card. I have not given my new card out to anyone.

Apparently, they rolled over from the old bank account number (it is what Experian said). I call ** on this because the bank said that would be true if they had it as a recurring charge, but this was a new charge. I did not give out this number and had no credit report sent to me via email or mail. So I had to cancel my debit card again and change the PIN number out. This is such a hassle because now I have to wait 1 week for a new card. This is really starting to piss me off and I want everyone to know that they are scamming people, but I have no idea how they are getting the number. The customer service representative at Experian said that someone signed up for Experian and they mistyped the number and it was the number from my account. If that was the truth, then wouldn't be the name and the birth date and the card not match? It doesn't make any sense and the bottom line: is this is fraud?

I applied for credit and was told that there was a bankruptcy showing on my Experian credit report. Upon further investigation, it was found to be my parent's bankruptcy. My dad and I have the same name, but I am a junior. Experian is showing my social my dad's social and my DOB. I have filed a dispute and Experian says it could take up to 2 months to fix. Experian is the only credit bureau that shows the bankruptcy. I have also filed a complaint online with the Federal Trade Commission. I believe that this is a Credit Act Violation and I want this taken off my Experian credit report immediately!

I have received a phone call today from my twin brother indicating that he went to apply for a mortgage and the bank had denied him because he already has mortgage, car payments, and credit card bills that he owed! Needless to say, my brother never owned a home. He does not have car payments and I am sure he does not have any credit cards! According to the bank that he applied with, my information is listed under his credit report reporting from just Experian! This is unacceptable considering the fact that although we are twins, our names are completely different. I am scared to know that if it happened with him, I am not comfortable knowing that there is a possibility that my information is located under someone else's credit report! I have worked too hard for this type of behavior to be tolerated! If there is any way I can have your assistance in solving this matter or receiving further guidance, I would be very grateful! My credit score, information, and my life are at risk!

In Feb 2012, I had several charges for $1 on my bank statement from Experian. I called the bank fraud department, canceled my debit card and was issued a new card. The bank reversed the charges and I thought all was good. In March 2012, I noticed several other charges from Experian on my new debit card for $14.95 and $19.95 one night. I definitely didn't give this card number out. I again canceled my debit card and opened a case with the bank fraud department immediately that night. My boyfriend called a number for Experian in the morning to find out what these charges were and they wanted my credit card number, which I was not willing to give. The representative did mention this was his 15th call like this by 8:15AM Pacific time.

Working with the Wells Fargo fraud department, we were able to conference call a number they had for Experian and dispute the charges. We were told someone named "Gerard **" opened an account using my card. It didn't sound like they had his last name on file or maybe just weren't willing to give that information to us. I questioned them how someone could have opened an account with my credit card and was told they don't require security verification with credit card purchases nor address or name verification. I gave them some grief about this irresponsible practice, but got nowhere other than they acknowledged it was a problem.

Experian would only agree to a partial reversal of the charges, despite the fact that they agreed someone fraudulently used my card. The bank did a full reversal of the charges and will try to get the money back from Experian. If it's true that Experian has no credit card verification in place, it's no wonder so many people have complained on this site and others. Not cool, Experian. I also opened a follow-up police report on it, I doubt that will go anywhere either. It sucks.

I have been told they sold my dead mom's info to other loan companies and credit card companies. I have been receiving phone calls and was shocked when I questioned where the info they had come from to be told it was Experian. They had sold the info to them. This blew my mind.

I have now been trying to get Experian to explain how they could do this but guess what, they just hang up on me when I phone them about it. They do not reply to my letters. They also seem to be able to get my mobile info and keep trying to get a credit report. They also regularly email me too. The people who are doing this are sick ** and I just wish they could be stopped. It sickens me that they think they can use dead people's info. If I was to do such a thing, I would be sitting in jail for grand fraud. This company's antics need to be stopped ASAP. Someone please stop them. Experian are fraudsters themselves.

I've been hacked 3 times now. Experian made three unauthorized charges to my 5/3 credit card at the beginning of the year, causing my bank to have to cancel the card and issue a new one. Now, I find my Chase card has a pending $19.95, dated yesterday. I've never dealt with these people, never asked for a credit report. This is not a mistake, judging from the number of people complaining. Who has the ability to stop this company from outright fraud?

On March 14, 2012, Experian made two charges to my Chase debit card - one for $14.95 and one for $19.95. When I called Experian and gave them my debit card number, it came up under someone else's name. How could this happen! No other false charges have been made using my debit card. Experian said they would refund the two charges in 7 to 10 days! Now I have had to have my bank reissue me a new debit card, which means I have to change all my automatic bill payments. I have never had any false charges to my debit card since I have had it. I see other posts on this website reporting the same problem. I am going to also file a complaint with the Better Business Bureau regarding this.

I noticed a unwanted charge of $29.95 on my debit card and called Experian and they said I set up an account. I told them I never did. I have never even seen a credit report and I have never used their services. I looked further into my account and noticed I have nine charges for $29.95 that I never authorized. They told me they could only refund one month back .

Experian or someone using that name just posted a $19.95 charge to my account and also the same $19.95 to a wholly independent account with a different bank that my husband uses. Neither of us have had any contact with Experian nor did we receive anything from them. I wonder if it is simple fraud from Experian itself or whether the money is being sucked into the Ukraine using that company's name. We both had to block the cards and get new cards and file a dispute against the fraudulent charges.

Experian allows illegal charges by third parties to a credit card without verifying the 3-digit security code on the back of the card. This causes loss of time and money to resolve.

On Friday, March 9, on my Chase checking account, I noticed two pending charges for $1.00 each. It showed that they originated from Experian in California and an 800 number was listed on the transaction line. When I called this phone number to find out what Experian was, they informed me they were a company that provided credit reports upon request and that in order to find out the basis of the charges, they would need my debit card information to locate said charges. I told them as I did not provide them with this information in the first place, I certainly was not going to do so at this point. They told me that there was nothing they could do unless I provided this information to them.

I then called Chase, who said until the charges were posted and not pending, I could not dispute them. They recommended I call back if/when the charges were posted. On Monday, March 12, I checked my bank account and those pending $1.00 charges were no longer there. On Tuesday, March 13, I checked my bank account and there were two posted charges from Experian. One was for $14.95 and the other was for $19.95. On the transaction line, it stated they originated on 3/9 and 3/11. I called Chase, who confirmed the charges indeed originated with my debit card number, and I filed a claim to dispute said charges. Chase cancelled my debit card and a new one is being issued and sent to me via US mail. In the meantime, I have done some online research and found there are countless cases of this exact same scenario happening to people. They find the charges on their account, though they have never been in contact with Experian or any company in general in order to run their credit score.

There were a handful of people who said they had gone to freecreditreport.com and given their CC information and did not realize the fine print indicated they would be charged monthly unless they unsubscribed to their services. However, the vast majority of the complainants are individuals like me who have had no contact with any type of credit report company, have not requested a credit report ever, and certainly did not contact any company to do. These people, when they provide their debit/credit card number to Experian, are told that so-and-so first name or so-and-so last initial used their card to run a credit report for themselves and they can do nothing but refund the money. Now, you tell me. Someone steals another's credit card/debit card info and they use that information not to go on a spending spree or pay bills, but they use it to check their credit and that's it?

This is straight up fraud. Experian is pretending others are using your debit card information to check their credit and have even gone so far as to say maybe the person checking his/her credit has a similar bank card number and accidentally entered yours. Apparently, they think the general public is idiotic when they claim these made-up "people" used your debit/credit card information to get their own credit check. Their name was different than your name on your card. And to top it off, no one at Experian required the CVV number on the back. Sounds plausible, right? Sure. Anyway, this is definitely a matter that needs to be investigated. I have no idea where it should start, but this has fraud written all over it. I would be glad to provide a copy of my bank statement if necessary. As I have found online, I am sure there are others that would be willing to do the same. Thanks for taking the time to read this.

I used the $1.00 application to get a copy of my credit report due to a rejection of credit, and then your company charged my credit card $17.95. I want a refund on my credit card, as this report should have been at no charge. Do not charge my credit card for any future charges. I cancel all business with your company!

Experian illegally keeps charging my credit card even though I have asked it to be removed several times causing overdrafts. I never gave them permission in the first place. This is an outrage and I will be contacting BBB.

I checked my credit card statement and found 3 unauthorized charges from Experian. I contacted the card company and had them reversed, then I called Experian. It turned out that there were a total of 6 charges as my account had cycled. They were opened in the names of various people I was told, and then I was advised to change my credit card number. Since this is the only unauthorized charge, I must believe that it is an Experian scam. How do they get these credit card numbers? From the credit card companies themselves? I am angry and concerned, and I will take it up with my credit card company.

I went online to Experian to order the $1.00 FICO score for a friend. I used my credit card. 7 days later, my account was debited another $17.95. Experian (really FreeCreditReport.com) has a tiny little disclaimer stating that "if you do not cancel your membership within 7-days, you will be charged $17.95). When I discovered the debit and read all the fine print, I tried to cancel. There is no way on the website to cancel unless you call 888-829-6560. When you do, they will ask for your birth date. When you give it verbally, they'll ask for it three times then ask you to punch in the birth date on your phone. When you do, they'll tell you, "you have made too many calls, we are referring you to a rep". Then you listen to more crap for a few minutes, until a "rep" from another country answers. Michel was my rep. I am reporting this to my attorney general Martha Coakley. Maybe Massachusetts will follow suit with NY and ban this practice.

Fraud charges in my credit card - I used their service and all of a sudden, three of my credit cards got charged for a monthly fee for something I never ordered. In fact, it is used for someone else's credit search. Ridiculous!

I did on online free credit score after being contacted for a possible job by CBV Property Management. I have been out of work for sometime, so I was excited about possible employment. I was assured there would be no charge for the credit check. I have since been charged $19.95 by Experian on 2/4 and 3/5 on my debit card account. Emails to both Experian and CBV have gone unanswered, and neither has other than a long recording when I was attempting to call. I will be contacting the BBB and my financial institution to report this fraud.

This has happened to students on campus in Champaign, and now, to its faculty and staff. There is an unauthorized $19.95 charge from Experian on my credit card. I have not checked my credit score (ever), nor have I signed up for anything from this company. Perhaps there was a glitch in a store on campus and our information was compromised? I am not sure who or how they got my information, but this is an unauthorized charge that my credit card company is dealing with as we speak. This company should be looked at and investigated carefully by consumers before signing up for any of its services!

They took money amounting to $39.90 without my permission. I don't remember giving my account number to them. Can they hack into my computer and do this? I don't know what to do. Can you give some information regarding this company?

I thought it was a law to request an annual credit report, for free, from Experian. I loaded all the confidential information into www.annualcreditreport.com for Experian, only to find out they would send a letter with report # so that I could log back on to request it. The report came with a web address for a site that is "under construction" and the link they gave gives the only option to get this "free report" by paying $1 for your credit report and credit score. Log on to www.experian.com to get ripped off. No thanks.

We have had 2 charges on our credit card that we never authorized. We called the number listed on our statement and some woman from out of the country took our call. We have had two charges of $19.95 over our past two statements. She could not even name 2 cities in the US where Experian is located. I know since I lived near Allen, TX and Schaumburg, IL. We have called our credit card to dispute these charges and have dropped this card because of this.

Today, my daughter, a college student in Champaign, was charged $1.00 for services she never requested. Where are they getting these numbers? If this is not taken care of for me and my daughter, I will contact the attorney general.

They will not make corrections - Since last year 2011, I've been disputing items on my credit report with Experian. Items have been paid off, there are duplicate accounts with the same address but didn't amount. Items are more than 7 years old. Letters were sent to creditors asking them to remove it. An item should be a joint account, not individual. I have requested this update with Experian four times and recently reported them to the Federal Trade Commission with no results. Why should I have to pay a lawyer when these items should be corrected?

I recently posted about my horrible experience with the scam business known as FreeCreditReport.com owned by Experian. Last week, I decided to take matters up with the Better Business Bureau. I was contacted by the Los Angeles branch a few days later and the liaison asked for my name, the business name that charged my account (both FreeCreditReport.com as well as Experian in the amounts of $19.95 and $14.95), and my CC number. The next day, with the help of the BBB, my money was refunded and I had my $100+ returned to me. Apparently, somebody at Experian does care about making itself look somewhat respectable, although I still contend that Experian is a scam.

With the help of the BBB, I received a full refund in less than 24 hours since I sent my information to the liaison. I have never dealt with the BBB until now, but they do read these complaints and they do take action! However, I'm eager to see if Experian will continue to charge my account. Time will tell and I'll be sure to follow up again if this does happen.

I have been going through my bank account because of fraud on my card this past weekend. In doing so, I just discovered that there is an additional long-standing problem in my account. There has been a recurring charge of varying amounts on my debit card twice per month since at least this past December credited to their company. I am not a member and I did not sign up for the service. I checked just to be sure, and none of my information was recognized in their system. I do not know what name is attached to my card, but it is not my own. I would appreciate undoing those transactions if at all possible. Thank you for your assistance.

I was online approximately over a year ago. I did a credit check for one dollar with the free trial period. When I tried to contact someone, I was told that the charges would stop. Due to my busy lifestyle, I did not take notice until a few months later and again, tried to contact someone. I have tried numerous time to have this issue dealt with! I have been charged excessive amounts in overdrafts because I did not expect this additional $20.00 a month, so I did not calculate it into my account. I just got off of the phone with an automated service and nothing! I do not have a number for Experian nor do I have any report numbers because I used this service once for the trial time allotted. I am a student as well as a parent and this charge is affecting my financial means at the moment due to being a full-time student. Every penny counts for my children!

A credit check was run by a potential insurance agent, and money was deducted form my credit card without my knowledge, until I happened to be checking it online.This has happened more then once, and I want it stopped, or I will report it.

I was on the computer and somehow gave out my bank account to the wrong person. When I called your company, I was beyond the limit for a refund and I guess so. Didn't know I had been charged. Angry is mild word, more like cheated is like it and since I am in computers, I am going to tell all my friends and customers. Your charge caused me an overdraft fee so now I'm out about $75.00. What a racket.

I paid the $1 for the free trial on 2/13/2012 at 11:15 pm. A full day is 24 hours. This was a 7-day free trial. I called on Monday 2/20/2012 starting at 8am They did not open until after 9am. When trying to cancel I was told it was too late and my card had been charged the $19.95. I did not cancel within the 7 days that they start the trial on the first day.

I did not get a full 7 days of this membership and should not have been charged. They will not refund the money and tried to talk me into more purchases and benefits I did not want. This company has many, many complaints against it and should be closely looked at by the BBB and everyone else.

I gave the free trial a shot. Immediately afterwards, I emailed support to see if I can cancel via email since I'm currently outside of the US and was unable to make calls outside the country. I'm residing it and I have an ambulatory disability making it a bit difficult to leave my home to find a place to make an international call. No email yet and that was over a month ago. I'll probably follow up with the BBB.

I don't know how charges started appearing on my credit card--Nov. 2011. $19.95. I did not authorize these charges. I didn't notice the first time. It was the Christmas bill. I did notice the second time. This company is deceptive and dishonest.

I suddenly had charges appear twice each month, beginning in November 2011. I initially thought the first month's pair of charges were legitimate, but when they showed up a second month, it raised a flag. When I saw them occur a third time, I called Experian, and after providing the customer service person with my full credit card number, and repeating it back to her, to make sure she had the right one, she advised that the name on the Experian account associated was not mine. She said someone obviously had stolen my credit card number, but interestingly, the only bad charges in the last 12 months were from Experian! Someone must investigate these folks. Something smells very rotten here. Especially when you see the number of posts about issues like this, just since November.

Entered free credit report on computer. I went through a series of companies and links and eventually came up with Experian. All I wanted was a one time score. They started billing me every month. Finally, I discovered charge of $19.95 after five months. I called Experian. It's a long process to get to customer service. Representative said he could cancel and credit that month. I asked to speak to manager. After a lot of talking, he ended up crediting me for three months. It's a service I never used or saw and I never agreed to sign up for monthly service. I guess it's something they have written somewhere on page that I had to cancel within one week or they would continue some monthly service. Although I'm not sure what they were doing since I received no information online or in the mail. There's no proof that they did anything. Total rip off.

I cancelled my 30 day trial months ago and have noticed they are still taking money out of my account every month $1,499. This is not done by direct debit either. I'm very angry. I have had a lot of charges from my bank as they are just taking money without my knowledge. I'm very annoyed over this. Please, can you get them to stop?

I used them to get my "free credit score" and without knowing it, I was being charged $20.00 a month for credit monitoring. This was in 2010 so I called the company wanting to end my membership. This resulted in me being persuaded to keep the account and they dropped the rate to around $10. Recently, the rate jumped up to $17 and change on my credit card statement.

I called today to cancel my account which I hadn't accessed in months. The first time I called, she said I should look at the substantial change to my report and was told she would email me my login information. That never happened. I was also told on this conversation that I could end my membership online after I viewed my report. There is no way to do that, I looked all over my account and then went to the FAQ section, and the only way to cancel a membership is to call the number, which I did.

I called again today, had my log in information emailed, looked at my information and my score changed about 3 points. Huge change! I called again (3rd time today) and was told to "relax" when I told him the run around I had been getting all day. I said I wanted to end my membership. He tried repeatedly to get me to change my mind, using scare tactics and pressuring me to keep my account open. This is a terrible company and I would never in a million years suggest anyone use them.

I have now had not one, not two, but three accounts where this suspicious $1 charge appeared. None of these transactions were authorized. I'm contacting Experian this evening to discuss the charges, but I sincerely hope all these complaints result in a formal inquiry of the company and potential class action lawsuit if warranted. These unauthorized charges have resulted in me canceling all those impacted cards. This is not only a cost of time and frustration to me, but also an expense to the card issuers having to reissue cards.

Yet, this is another sad statement about a company that we, as consumers, should be able to trust. The credit reporting companies have reached a new pathetic low. A very innocent inquiry to a credit score proved to be nothing more than a scam to monitor my credit. I paid to get my credit score and received an email of thanks but no credit score.

I called Experian thinking possibly they are mailing the score to me. Wrong! The 1st call was a run around of questions and confusion then a "Let me put you on hold" after a minute the phone goes dead. I called back 2nd time with basically the same experience. I was told my score was supposed to be seen as soon as I paid the night I requested it. It was not! Then I had to sign-in again with another card to view the score and was told I will have credit monitoring for a week and I will have to cancel it within that time frame in order not to be charges.

Beware; this is a scam to try to get your money for credit monitoring. They are using a wear you down tactic. It is unacceptable! I will notify my states consumer protection agency! This is very frustrating to see after what we've seen with banking and fraud in our country!

PS. Another thing I don't get is I have to pay to see my credit score?! Any used car salesman can see at any time. What's wrong with this picture? It's my score.

I agreed to pay $1 for my credit report and clicked "no" to any other offers, I did not want any other services. Same as everyone else, I noticed the $17.95 monthly charges for 2 months on my bank statement and spent an hour on the phone between tracking down their phone # and getting through to their customer service, who informed me that I was ineligible for a refund. I'm writing this while on the phone with my bank, filing a claim (another half hour on hold). If you find this message, I hope you do the same and encourage your bank to dispute the charges. Their methods should be illegal, obviously thousands of dissatisfied customers duped into a monthly service.

I continue to have a security alert on my credit reports and I have sent you letters and phone calls asking that they be removed. This has caused me higher interest rates if I can even get a loan. No one can access my credit history to give me one because of the security alert and freeze on my credit and all my accounts. Additionally, I have come to believe that my local Post Office in Dana Point. CA 92624 is opening my mail and paying my accounts. This also means that they are judging me, refusing my credit and loans, and charging myself and my family higher interest rates than they are getting. They have ripped off my Social Security too and are not the kind of people me and my friends and their businesses want working for us in the first place. I will be taking this to many other agencies but in the meantime, that security alert must be taken off.

It has come to my attention that Experian is disseminating erroneous/false information about our organization. My attempts to contact them to resolve have been unsuccessful. I will also file a complaint with the Better Business Bureau, but it seems ridiculous to have to take that approach.

They have been swindling money from my account monthly. Make sure that if you ever use their $1 offer to read their fine print, and cancel the moment you get the results you paid a dollar for. Horrible Experience!

Same story as everybody else. These guys decided they'd be charging me $20 a month for no reason. Never dealt with them, never heard of them. Called them and they said someone called 'Shaniqua' and 'Rodney' tried to sign up. Obviously, that's not true, there never was anyone called Shaniqua or Rodney. Had to call my bank, cancel my card. What good will that do me?

They'll just charge my new card. How come some huge company can randomly charge my account and I can't randomly charge theirs? I want to charge them 1 million a month and if they complain, I'll say 'looks like Jimmy'did this, not me, sorry guys, let me give you a refund'. That' would be nice, interest free loan.

This is a bad company. They are ***. I have tried to cancel my trial membership and they give me the runaround. I am writing to the Better Business Bureau in my state and in theirs. Do not ever try them.

I have a monthly subscription to freecreditreport.com (subsidiary of Experian). My score for January shows mid 700's. In same month, I applied for a credit card from Citi and they showed my Experian score as mid 600's. No doubt resulting in lower limit with higher APR and a hard inquiry ding on my credit report. No doubt each will point to the other one stating it's their bad data.

I'm very happy with Experian. They help me. I don't know how come a lot of people say "This is a scam." Learn how to read. It is not that difficult to see the fee. They have to get the Experian report. I see a lot of comments regarding the extra fee for the three bureaus. Come on, how the heck somebody can be so brainless to get a charge when all the info is on the website? Again, learn how to read. It's as simple as that.

In early December I paid $1 for three agency credit reports through Experian. They automatically signed me up for "Credit Watch" and I was told if I cancel within so many days of the "free trial period," I would not be charged. My cancellation email arrived on Dec 9th. My credit card was charged $17.95 on Dec 15 and then again on Jan 17th. In January, I clicked on a link in an email from Experian saying something had changed my credit score.

I was charged $29.95 to look at my report . Since they already had my CC info , I did not know they were charging me. I went online to pay my CC bill and found all of the charges. Experian customer service agreed to a partial refund. I got an email stating they had initiated a $15 refund. If I was eligible for the refund, I would receive it within the next billing cycle . I replied that was an unacceptable resolution. I wrote to my credit card company, Capital One, an email and included the cancellation email and they refunded everything Experian had charged me since the cancellation email.

Thank you, Capital One and ***, Experian. Experian is a totally fraudulent company! Their customer service agent had to keep going back to someone else for authorization and never could reach an acceptable solution. I threatened them with my attorney, my CC card company and the BBB. I wish I had seen this site before doing any business with Experian.

I had never even heard of Experian until I saw a charge from them on my online bank statement for 19.95. I never authorized such a charge, never ordered a credit report or visited their website. I called my bank and they froze my account, I can't file the claim since it's still "pending". Hopefully, it clears today, so I can go to my bank and file a fraud claim. I was so angry, I even called Experian last night.

The woman on the phone wanted me to give her my debit card number, so she could look into it! (Can you believe that?) She said that sometimes users enter the wrong card number and that this could be why I was charged (?) Really? How the heck would the expiration date and security code match up then? She told me that even if I got a new debit card through my bank that I would still be charged possibly monthly payments. I guess I should get a whole new account?! How is this company in business? They are scam.

On November 30, 2011, after one of our credit cards was compromised, I checked the credit reports for me and my husband at Experian.com, and paid $1 each on my Bank of America credit card. On 12/7/11, Experian charged $17.95 two times, and again on 1/7/12 for a monthly membership that I do not recall signing up for. I called Experian and canceled, but they would not give me credit. I called Bank of America credit card, and they said Experian does not give credit. I think their website is deceptive and fraudulent, and I would not use their service again. I wasted $72.

Last month I noticed a charge from Experian on my bank account for $14.95. I thought it was weird, but then dismissed it (don't ask me why, I guess I thought it was a mistake).

However, when I got a second charge this month, I got angry. I called Experian, and the customer service rep I talked to explained that when you cancel online, you don't cancel everything. You must call them to cancel the monthly charge. I do not remember seeing anything about this, or I would certainly have called to cancel that too. I feel that this whole thing is an underhanded scheme by Experian to get money out of the consumer. They bait us with the "free" claim, and it's anything but!

I signed up for a 30-day trial back in 2009 with them and had no problem canceling before I received a fee. Now, over 2 years later, I received two $1 charges to an Amex card (that I didn't even have in 2009) in December. Amex called me about the charge because it looked fishy. Because there were multiple instances of this charge they canceled my credit card and sent me a new one. I just got a $19.95 charge today. So I called Amex and they told me that the company has tried many times to charge me, but they blocked it (trying to go thru the old card). I called consumerinfo.com and they can't even tell me why I'm getting a charge because my account is closed. They said to call back tomorrow after the charge has cleared. This is crazy!

I noticed last month that I had two $1 charges from Experian that I had not authorized. I called my bank, and after the second call, they sent me to their fraud department. They cancelled the charges and issued me a new debit card.

First of this month, I received another charge from Experian. But this time for $19.95! I called my bank again; they sent me to the fraud department again. They cancelled the charge, but the charge still went through. They issued me another debit card (my second in one month). I called Experian, and they said they would "block" the account and asked if I knew a "Shannon **," which I did not. They said they couldn't give me their last name, because they too might be the victim of fraud. They said they would refund my money, which I'm still awaiting to see come through.

Beware, this is very illegal, and this concerns me how they were able to still charge my checking account even when a new debit card was issued! If this happens again, I will change banks.

I signed up for a free credit report from Experian, but I had to supply my credit card. Stupidly, I did. Then they charged me $19.95 twice in one month (December 2011) only three days apart. I have contacted them about this and have not received even an acknowledgement.

I have been rebuilding my credit score for years now since a bad time in my life and finally about to break 700 with my score at 699. Then on June 13th, 2011 Experian showed my only major credit card as closed and since that is the only one I have, it dropped my score 30 points. I have been sending proof and talking to my credit card company since then and my credit card company says that it is open and it shows open on all my credit reports and yet my credit report shows it closed and they say that the status won't change because the credit card company said it is closed.

I ordered a credit report & credit score through Experian & www.annualcreditreport.com. I did not realize when I paid the $1.00 for the score that I would be signed up for the $17.95 a month credit monitoring.

Within a week, I noticed the $17.95 charge and immediately called and e-mailed customer service for the credit monitoring. I requested that the account be cancelled immediately and asked for an e-mail confirmation. I never received it. I called & e-mailed again. Marnee responded that "my request could not be handled via e-mail" and instructed me to call the number I'd been calling the last few days.

My request was to cancel the account. This is so much for your annual "free" credit report. If you want your score, go to one of the other agencies.

First off, as a recent Air Force veteran, I am ashamed that I fought for the rights of the people of Experian, who are clearly engaging in fraud and deception at the highest levels, blatantly stealing money from ordinary citizens of this country, which I consider to be un-American. That said, like so many others on this board, I signed up for a free seven-day trial to monitor my credit report via CreditReport.com (owned by Experian). I canceled the same night (after finding out they apparently "didn't have enough information" to deliver my report) and upon closer scrutiny, I have been charged $19.95 for the last two months. I keep close tabs on my finances as well as my memory's braincells, and I know for a fact I canceled within my "free" trial period.

After discovering this unauthorized/fraudulent charge, I tried logging in through creditreport.com, as well as other Experian websites. And whaddyaknow again! - the website says they have no record of my account. Unbelievable. I cannot speak to a human at Experian until to tomorrow and will update you with my results after I not only close my account (that may or may not exist), but also demand charges be reversed. But, judging from what others wrote, there's not going to be a pleasant conclusion.

I don't understand how this company is still in business, a company that is nothing more than a street criminal clothed in a Wall Street suit. I sympathize with the others on this board and encourage others who have been scammed to file/voice complaints through all possible avenues (their Facebook page, the BBB, FTC, Congressmen/women, etc. ) as I am doing right now. This is madness.

I signed up for a free credit report. After reviewing my bank statement, I have noticed that they are taking money out of my account without my permission. When I called, they said that they do not give refunds! I will never use them again and will tell everyone.

I called on behalf of the charges made to my debit card. I authorized one payment of $1.00 and received two additional debits of $29.95 and $39.95. I spoke to a young man who could not even tell me why the one charge was made. Their website said I would not be charged more than a dollar until after the 7-day trial period.

I was on the phone for 20 minutes and repeatedly asked to speak to a supervisor and I was ignored. I believe, by law, I'm allowed one free credit report from all 3 credit agencies per year, instead I've been overcharged $69.90 which was never authorized. Their website was misleading and if I knew they were going to charge me over $70.00 for something that should be free, I would have never supplied my debit card information to this company. I would like the money credited back to my account because I did not authorize this company to fraudently deduct $69.90 from my account.

Signed up for a seven trial for credit monitoring. Cancelled the membership the same day, but my credit card was still charged $16.95. After I got my statement, I called Experian and was told they had no record of the call and would not refund the money back to me. My advice-- do not sign up for a "trial membership". Instead opt for the free credit report you are entitled to once per year from each credit reporting agency.

As with many other complainants, I found charges on my credit card from creditreport.com (which appears to be owned by Experian) despite me not ever having signed up for or even heard of their service. I believe the problem is that they have very lax verification procedures for credit cards when people sign up for accounts. They do not verify that the name, address, phone number or CVC of the entered credit card actually match the information provided by the person who signs up for an account. Obviously, this is known about in criminal circles. Scammers know they can simply enter any valid credit card number when opening a creditreport.com account. I don't know if they do this simply to get the creditreport.com service without paying for it or if it provides some kind of avenue by which they can then exert more control over the card.

Received letter saying they would be increasing your membership to $19.95 per month. I have never signed up for a membership. I only signed up for the 1 free report I am allowed per year. When I called to question the "membership", they kept asking me for personal information that I was uncomfortable giving to someone by phone. They should already have all that information and I had already given them enough information to identify myself. I got tired of them asking all the questions without giving me any information about this "supposed" membership and how it got activated and terminated the conversation. Upon checking the web, it appears they are doing this to lots of other people. Just google the 1-877-284-7942 and you will see the posts. All I can say is I had better not find any charges on my credit card from Experian.

Now I have to write a letter to the consumer service and mail it to their customer service for the remaining half (rem mail not email), which will cost me another $5 but I am not letting this thing go. Good luck, guys, with Experian.

I put in for a free credit report and then I found charges of $19.95 on my bank account too in one month. I was not notified about them either by mail or email. I only found them when I check my bank statement. I called them and they said I didn't have an account with them and they needed my credit card number.

Experian sucks! I am sharing the same complaint as most people on this forum. I'm merely adding to it to emphasize everyone else's point. I was charged an extra $30 when I was under the impression that it was a $1 trial period. I emailed their Customer Care staff and even included screen shots to show that it does not clearly state that there was going to be a $30 charge. They basically said "tough **". If this post helps anyone from this incredibly frustrating and annoying experience, then I'm happy.

I signed up for a one time free credit report. I was subsequently charged 3 months in a row for ongoing credit reports which I was never notified of. I had no idea the charge was being made automatically to my account until I received an overdraft payment. After calling them and complaining for over an hour, they refunded one of the four months they charged me $17.95. Due to their automatic charges, I was assessed an overdraft charge of $34 from my bank.

I just discovered charges on my credit card statement since August of this year! t started as two charges of $14.95 each charged every month; it has now risen to $14.95 and $19.95 every month. I have never signed up with this company nor have I authorized any sort of credit score search or anything else. Granted, I should keep a closer eye on my statement, but it certainly doesn't justify fraudulent charges.

They charged my checking account $19.95 today. I haven't contacted them or given them this debit card information nor authorized the charge. I'm filing a complaint of an unauthorized charge with my bank.

Experian has deceptive and false advertising. They advertise a one time, $1 charge to access your credit reports then hide in legal terms that they actually mean they will charge you $29 (in the same day as the $1!) and then consecutively charge you every month thereafter. There is no clear confirmation or disclosure of what will happen. I then emailed them at their so-called "customer care" email over ten times with no response! Only when I finally spoke up on their Facebook page did I receive a response (I suggest all do this). This is a terrible business that violates consumer rights. They took $88.80 from my bank account. I managed to get $46 back but I still owed $33 more.

There was a charge for $19.95 from Experian on my credit card statement, so I went online to see what's going on. Then I found another pending charge for $14.95 from Experian. I called visa and they cancelled my cc immediately and reissued another one. This company should be investigated as I read more similar complaints above.

I used Experian in October to check my credit report. I believe I gave my credit card information for a one-time fee because it was the second time this year I was checking (as I was moving). Without my knowledge, Experian used my credit card information to debit $17.95 a month. I did not receive an e-mail that I had become a "member" nor did I receive notification of these debits as they happened. The only reason they received 2 stars instead of 1 is because after I called and demanded for a refund, the refund was granted. They erroneously charged me about $54 for a service that I neither wanted nor realized that I had.

Experian charged my credit card $14.95 without my authorization. I called my credit card company who, in turn, called Experian while I waited on the other line. Experian refused to speak to Visa, because they said they were recording the conversation and hung up. Visa also noticed that Experian issued a charge for the next billing cycle. Visa immediately transferred me to their fraud division, canceled my account, and reissued a new card number. Hooray for Visa!

I haven't checked my credit since 2008. But today, 12-15-11, I noticed they took $21.72 dollars for a "trail" credit service? I haven't asked, emailed or filled out a form. I want my money back and for them to leave me alone!

I'm not sure what is going on, but I was charged $19.95 on my credit card, for a credit report that I did not order. When I called Experian, they gave me the name of the person who the credit report was ordered for. It is not me, nor anyone that I know. Dear Experian, why would it be okay for you to charge someone for a credit report that is not their own? Wouldn't that raise questions to you? I'm not sure how they got my credit card number, but again, being that Experian is in this business, why would it be okay to charge my credit card number?

I am not sure what the consequences are yet. What if someone out there is getting my credit report information, by paying Experian the cost of it using someone else's credit card? I am quite sure this is part of a hijacking/identity theft situation, but all I could get out of Experian is that, they would refund my money, but that may not be the big problem now!

My Experian Credit rating has recently dropped to 687 while my other credit ratings are: 760 and 782. I looked back several years and my Experian rating was also in 750 range. The only thing that has changed is that I have paid off my house and both family cars. I have no debt! Your operator could not tell me anything about my account. She had a canned speech and no additional data. I wonder why I waited 45 minutes to get nothing in the way of help. Would someone please get back to me as to why my rating went down when I've paid my house and both cars and have no debt.

I wanted to get a 3 score 3 credit report. I filled out the application and it approved me for $39.95. I went and put in my username and password. Experian wouldn't accept it. I tried 2 more times and I still couldn't get in. I tried one more time and it came up that I had been locked out. I called customer service. The lady said that I had an account with them back in 2008 and that I might have used the same password now as I had then. She was sorry for the inconvenience and said she would give it to me for $14.95. On Dec.8, 2011, I called customer service and a man said that my account had been canceled. On Dec. 10, 2011, I noticed that Experian had taken out $39.95 out of my account on Dec. 5, 2011. Again, I called customer service. This time the lady said I couldn't have a refund because I had locked myself out the first time. So, somebody tell me what is going on.

They took 2 months payment without my approval! I signed onto Free Credit Report. com through Experian on October 15th, and they charged me even though I was offered a free report. I gave them my card # to give me access then I immediately cancelled. I never went back to that account again to use the information. I assumed I was cancelled! And then they charged me for 2 months. I called to inquire why I was still being charged and they said I never cancelled. They are a fraud and do not deserve anyone's business.

Three unauthorized charges (2 business checking acct. & 1 personal credit card) within a month. Called Experian after discovering first on checking acct. and they were unable to tell me anything about the charge. Called again today after noticing 2nd and 3rd, they gave me a name of a woman I have never heard before and said her name is on the account set up with Experian. They said it may be a case of identity theft, but no other unauthorized charges have been made. And having an unauthorized charge from Experian now on a totally separate account of mine seems more as though Experian is the one committing the identity theft.

They were not helpful in anyway, and if anything very rude. Being one of the accounts Experian deceptively charged is a business account, it is now creating a myriad of problems trying to have new cards issued and switching over any existing business accounts over to this new number. Also contacted personal credit card company to have new cards issued to prevent further unauthorized charges.

A charge of $52.96 was found on my bank statement from Experian. When I called, they informed me that a certain "John" had opened an account with my credit card. They said they would send a check for that amount, and that I should contact the police. I had my card blocked. I still do not know how much of my personal information was compromised.

A charge showed up on December 7, 2011 for $19.95. I called Experian to dispute the charge. They asked if I knew a certain Michelle ****. I told them I did not so they did agreed to remove the charge and look into the matter.

One to five and 5 being the best. Rate: -5. This is my second time in several years to inquire for my free report and my card was charged $17.95. The message said I would not be charged in seven days. I was charged the fifth day. I do not want the service. Last time this happened, I did not get the refund back. Is this legal? I trust you with all my personal information. Please reverse the charge.

I noted a debit against my checking in the amount of $19.95 which I had not authorized. I contacted the bank, who in turn contacted Experion. Experion advised the matter may have been Identity Theft related. On the transaction, he noted the name Stephanie, and asked me if I knew anyone by that name. I do not.

This credit bureau company refused to clear all related articles from Starret Walker's credit record despite the court order proof that was sent to Experian.

Experian opened an account through a second party without my consent. This second party is hacking people's financial info thanks to Experian. Fraud (unauthorized charges) has happened twice, the recent amount is $411.77. Also an unauthorized Visa Debit card was also attached to my account, thanks to Experian. When confronting Experian on the phone, they said a "Charles S" opened the account but wouldn't give the last name. Why would Experian open a second party's request for mu credit info ?

I would give less than one star, way less. These crooks charged my bank card 5 times in one month. They are out of control and nothing more than legalized thieves. I will call my bank and demand that they void all future transactions from these crooks. How in the name of all good and common sense can a credit reporting agency be so crooked themselves? I am shocked and amazed. Buyer beware, their ads are nothing more than a come-on to scam the unsuspecting consumer into multiple charges over and over again for no service rendered at all. I couldn't even print the stupid report.

Their website is really messed up for the last couple months. I have been a member for over 1 year. For the last couple months, when I log on for Explorer of Google Chrome, the page is all jumbled up and you can't click on everything. Also, they raised the fee from $15 to $17 per month, saying that it was because now they offer all 3 reports in one. But they don't; they only show you Experian report still.

I called to cancel my service. I was informed that my service was cancelled. However, Experian continued to bill my credit card for over a year. I hope that someone files a class action lawsuit against this company. They are stealing people's money, and they know it. If I can't get them to cancel my service with a written letter, then I am going to have to cancel my credit card just to get them to stop billing it. For me, over $150 dollars; for Experian, apparently, there are no consequences.

This company falsely represents itself. I feel I was taken advantage of and don't understand how companies like this are allowed to continue to operate. I see they also put in the agreement that I waived my right to take them to court and the right to a trial by jury. This should be illegal. ****.

Canceled but Experian is still taking payments from the credit card I gave them for monthly service. They are **!

I signed up for a free credit report on Experian.com just to check my credit score. I read the very fine print that said I would be charged if I did not cancel my account within 7 days. I canceled the account immediately after I checked by calling customer care. The lady tried to convince me to keep it but then relented and said she would cancel it. Just today I looked at my bank account and found a charge from them. I called customer care again and explained my situation. The gentleman on the line didn't sound at all sympathetic or that he even believed me. I told him I had called and his response was "sure". He was very rude! I was very angry at that point and he kept trying to make up excuses and said I didn't call when I did.

I ordered the credit report in late October. I didn't like the service and called to cancel. I received an email with a confirmation number that I cancelled. I thought that was the end of it, until I got an email from my bank saying my account overdrafted on Nov. 3rd and my balance was negative $50! Experian charged my account $14.95 and my bank charged $35 for overdrafting (I only leave a limited amount of money in the bank and two days before, I had taken the money out to buy groceries). I emailed them demanding a refund, in which they did. They sent me another email saying they would refund me and cancel my membership, which should have already been done! I finally received the refund today. But now I have to work with my bank to make sure I don't get charged again for this "cancelled" membership. Plus, I am now stuck with paying $35 for something that was supposed to be cancelled.

After getting my credit report at the end of July, I called and sent emails, which I have a record of in my sent box, telling Experian to cancel my membership. I did this in August and September. In October, they once again charged my banking account and when I called, they said they had never been contacted. This is a scam. And they should be taken off the internet.

I went to their site understanding that it was free to look up my credit report. That is the way I understood the advertisements. But to my surprise and dismay, I noticed that there were charges to my Capital One for $14.95 on two different occasions before I realized what was going on. I called them and told them to stop and to take me off their member list on the 15th of October. But later, I noticed that my Citi card had been charged for $39.00 on the 24th of October--for what, I don't know! This was after I told them I want no part of them.

They charged me on two different cards. I have no idea how they got the second card number. I don't get it. And since they would not refund me the first card, do you think that they will with the second card? That is a charge of $70.00 to check my credit score for the month of October. Can someone stop this business from stealing from us? How can we protect ourselves from mega companies that bully us? I work part time, and $70 is a lot of money which I could use for food. Please help.

They refuse to remove my former married name. This name has not been used for over 15 years. There are no credit accounts or collection accounts attached to this name, yet they refuse to remove it from my credit report. They are violating my privacy because this last name keeps coming up in Google search results. Also, on my credit report, it is a "public" record. Further, I believe it constitutes sex discrimination because a man would not have to have his previous married last name advertised to the world.

I found a charge from Experian on my mother-in-law's closed credit card account. She died in September. I ended up having to call the corporate offices to be able to connect with customer service. They refused to do anything about closing the account unless I gave them the full credit card number she was using. The girl then told me they could not look up names, it had to be done by credit card number. When I asked to speak to a supervisor, I was put on hold then disconnected. I again called corporate offices and was sent back to customer service where I demanded to speak to a supervisor. She told me they needed the full credit card number. I hung up on her and called corporate again, asking for the public relations office. The operator asked what my problem was and she told me that my wife, as executor, could get the number from the credit card company and then call back to cancel her account. They make it very easy for you to get on their service and almost impossible to get off it.

This is horrible. I ordered a one-time credit report back in April. Each month since then, they have continued to charge my credit card. I have called repeatedly and they've told me that I didn't have an ongoing account with them, so they weren't sure why it was showing up. They never refunded the money. Upon opening my latest statement, I found the charges are still coming. They told me today, after hanging up on me three times, that they did have me listed as signing up for an ongoing account, which is a lie.

The operators were very rude to me and kept saying that I must have said yes at some point, despite them denying I had any such account in the past phone calls. I'm in the middle of filing fraud charges with my bank.

I received a letter indicating that I had insufficient credit history and that I can obtain a free copy of my credit report from Experian within 60 days. I immediately called the number indicated on the letter **. After answering the questions on their automated system, I was told they were unable to help me at this time. I then tried to get the report online. I went to the website ** and after filling in my personal information, I was told they were unable to help me at this time. I don't know if they are able to help anyone to a free copy of their credit report, but under the state and federal fair credit reporting act, I am supposed to have the right to know the information contained in my credit file. Maybe Experian is above this law.

I am following up on my complaint posted on 10/15/2011.

I received a one page letter/notification on Saturday, 10/22/2011, from Experian, stating, "We are unable to honor your request because you did not provide sufficient identification information for us to verify your identify. For instant and secure access to your free credit report, visit www.annualcreditreport.com."

First of all, as far as I know, I supplied all the information they asked for via the phone number given on AnnualCreditReport.com site, but since this correspondence said to go to the www.annualcreditreport.com site, again, I thought I would give it another try as well as dig out old credit reports from Experian, in case maybe they were asking identification questions that were on those reports that I answered incorrectly the first time around. But, this time, when I tried to get report from the AnnualCreditReport.com site, a note came up that they could process my request and to call a phone number for Experian, which directed me to go to experian.com/now, if I wanted immediate access to my credit report from them. Otherwise, the phone prompts seemed to not really give any information as how to get their report free, but a number of times mentioned that one could pay for a report.

Anyhow, I went to experian.com/now site to see if I could now finally get a copy of my free Experian credit report, and this site of course wants a person to sign up for their 7-day trial membership in Experian Credit Tracker service at $1 for such service for their credit report and credit score. I might have done so, but having already read other complaints here, I was leery of having to go through a lot of trouble to get them not to charge me on a monthly basis as I really am not interested in this service at this time. In the letter/notification they sent to me, they gave me instructions on how to write my report to them, but as I was only trying to get one to monitor it as it has been a couple of years, I am not going to bother because I already have spent too much time jumping through hoops with these people.

Unfortunately, through my experience and what I have read in the complaints, it seems as though Experian is making it difficult for us to get our free credit report in order to bilk money out of us. As I said with the first complaint, I did not have any issues with getting my other 2 reports, and to me, there seems to be something amiss here. This time around, I left the box unchecked for "I do not want an attorney to call me about my complaint" because if it is found out that Experian is involved in defrauding behavior concerning this matter, I would be happy to relate my experience with an attorney.

Meanwhile, I will just figure that I did something wrong when trying to get my online report from the www.annualcreditreport.com site and that my one free report for the year has been used up and I will try again next year. The strange thing is, the letter I received today does not state such, and actually says I can write to them to get my report. Therefore, it just seems to me that something shady is going on here, but what do I know? Good luck to those really needing to check up on their credit reports.

I had to pull my credit report for a job application. This is a free report if canceled within 9 days from the report. I cannot get through to cancel the ongoing monitoring that Experian will provide for a monthly fee charged to my credit card. The phone number provided requires a number from the credit report, in which mine does not have a number! Consequently, I was not transferred to a live person. This is not a good business practice. I am very frustrated. I don't want this credit monitoring/charge. Also, Experian has me working for an employer I left 9 years ago.

Experian has combined my mom's credit information with mine twice now this same year. This couldn't have happened at the worst time too. We're trying to buy a house and my Experian credit score plunged almost 100 points because of this error. I've never had this problem with TransUnion and Equifax. My score with the other 2 agencies is both in the 750s, but 650s with Experian. Wow. Experian should really change their name-based system. Many people share names with family members. Simply saying that their system is name-based and the combining of the credit information of 2 people with the same name cannot be prevented from happening (this is exactly what the rep told me when I was disputing my mom's credit information) is such a lame excuse. This ** error in their system has just set us back another 6 months. Thanks for nothing Experian.

During the home loan application process, we learned that Experian listed errant data files on our report. This information is not listed on other reports. I cannot get hold of Experian, and they hold you hostage making you pay for their credit report or they will not talk to you. After you order the report, they send an email informing you that they will get hold you of in 7 to 10 days. This is a rip off.

I had been paying $15.00 a month for credit monitoring. Then all of a sudden, they charged me $17.95 this month. Has this happened to anyone else? Did Experian notify anyone that they were going to increase the price? Can they do this? It doesn't seem fair.

I tried to get my online report from Experian via AnnualCreditReport.com. But after answering the identity verification questions, the next page that came up was an "unable to honor request" page which included dollar amounts to purchase the report and/or receive credit report overnight. It seemed like an attempt to get money out of someone for supposedly free credit report. Maybe I answered their vague security questions incorrectly, but had no trouble with other 2 credit reports. Anyhow, I went ahead and called the phone number given on AnnualCreditReport.com site and ordered my "free" credit report from Experian via that method. We will see.

Experian will not stop sending us emails about accounts we canceled at their site. We have canceled/called 4 times with them. Each rep says that it is being taken care of. "Taken advantage of" is more like it. After saying we had to spend $1 each to see our scores, we are now being charged $14.95 on our credit card. Beware! Not only do they never correct disputes on your credit report after we have tried 3 times in the past, they now are bilking people out of money by saying the site is "free". We have filed a dispute with our credit card company and are filing with the Federal Trade Commission.

Experian has me working at a job where I haven't worked, since 2002! That is 9 years ago. The other agencies are, at least, within the last 3 years. They have impacting my score negatively and I cannot reach them on the phone. They are horrible and unprofessional and are getting in the way of my moving forward. Something needs to be done with this company.

I have been trying to dispute certain information on my credit report from Experian, and neither them nor their online credit report company which belongs to them, freecreditreport.com, discloses information such as mailing address. I needed it in order for me to send them my disputes in writing. For over 4 hours, I tried to get their mailing address and all I got was runarounds and very rude agents on the line. I wasted all my time because after I got a hold of a supervisor, apparently frustrated with my persistence, he told me directly that I needed to spend the $14.95 on their website in order for me to resolve or dispute any information no matter what, or otherwise they will keep my incorrect information on my credit report. I already had the credit report but he didn't care and wanted me to pay for another one. TransUnion and Equifax were a complete different story. All their contact information was published on their websites and a lot more places all over the internet, even phone numbers.

I refuse to pay for something I am even entitled to by law according to the Fair Credit Reporting Act. Even under the annualcreditreport.com, Experian's mailing address has been removed and instead there is a link for you to go to their freecreditreport.com website and sign up. Is there anyone regulating ** like this? As soon as I told the supervisor that I would record the conversation and take it to my attorney, he refused to continue with the conversation anymore and hung up.

I requested my credit report from all three credit agencies. TransUnion and Equifax were completely accurate. Experian's report had all types of credit information for other individuals on my report. Clearly this is an error in Experian data since the other two agencies were okay. I tried to notify Experian using their website but was directed to call a phone number instead. I received an interactive voice response (IVR) system that wouldn't accept the information. I went on the internet and found other Experian phone numbers to call but those kept connecting me to the same IVR. Is there a way to talk to a human being!?

I went on the Experian site to purchase my 3 credit reports and scores! Next thing you know, I'm being billed $17.95 a month for some bogus program! Not only did I not want the bogus program, I was not notified that I would be getting it or what it was exactly! It seems to me that many people have this issue. It was because on their website, there are a tons of explanations for you after you have been charged the $17.95 fee. It's ** and a shame that in this day and age, the government still allows these private businesses to steal from the American public! Don't these private companies know that the US government is the only one allowed to steal from Americans?!

This is the second time I have found my credit report filled with erroneous information in 2 years. I have disputed them all through the Experian online dispute, and each time, they came back saying that they were found to be valid debts. They were not valid debts. They were old paid off accounts that were sold to third party companies trying to extract money from me. Even when I have gone to Experian with irrefutable proof that the debts were paid off, they still did nothing to help fix the errors.

About three years ago, my husband and I placed a freeze on our credit reports in response to the rise of identity theft. At the time, we understood that we could temporarily lift the freeze when applying for loans. We are now attempting to refinance our mortgage. We have made repeated attempts to unfreeze our Experian report using their online tool. But after going through the process of filling out all of the information requested, we get a screen saying that the only way to unfreeze the account is by sending confidential identity information (which we were trying to protect) and money through the US mail. They do not provide any way to contact "customer service" to determine why we can't use their online tool.

In fact, there is no information about how to contact a human representative for their company on their web site. They also don't provide any information about how and when they would let us know that the account is unlocked once they receive all of the paperwork they require. I suspect that, although they claim that you can easily unlock your credit report online, their website is not set up to collect their fee for unlocking your report (although you can certainly purchase their credit report/protection products online). Both Equifax and TransUnion make it possible to charge their unlock fee to a credit card. No fuss, no muss.

When I got my American Express bill last week, I happened to notice a $14.95 charge on my account by Experian. I did call Experian and they could not find any charges or any services on my name. I have not authorized or asked for any service or credit report from Experian. I did call American Express and inquired about it. They said I had been charged $14.95 on last month too, which I have failed to notice on my bill. I have told AMEX that these charges were wrongful and they gave me the credit instantly, and put the charges on dispute. I wonder how can they use my AMEX credit card number without my knowledge or permission? I thought Experian is a noble credit reporting company.

I got my credit report for a dollar. After a month, they charged me $14.95. I called and was told to send an email stating I wanted it cancelled. This was on 8/28/2011.

I was surprised to find they charged me again on my debit card, of which I need this money for gas for work because I just received a new job. I'll eat the first fee but for the second, I would like my money back but I dont know who to contact. The number on the web page leads you to a dead end.

They would not give me a credit. They are double charging for services used within less than 30 days. I went online on Sept. 8, 2011 and within 4 days, they charged me $16.28. On Sept. 17, 2011, they charged me again $16.28. This is scam.

I went online and received a "free" credit report. When I checked my credit card statement, I found out I was charged over $60 during a two-month period.

I pulled my credit report, and on Experian only, found a 'negative item' reported from this company/collection agency, stating that I owe $45. I never used this service nor received merchandise. I disputed it with Experian only to be told that it is to stay on there. I sent letters to FTC, Consumer reports, Experian and Trident Asset and have not heard from any company other than Experian. I need this removed as it is not valid and I have impeccable credit otherwise. It seems a lot of other consumers are dealing with the same situations or the like.

Experian sent a letter saying I requested a copy of my credit report. I did not. They said the request was made 8/26/11, but I requested a report from them (the FACT Act free report) on 4/26/11. Individuals can only request one report per year. What's up with this? Now, I have to call them and I'm sure, as in the past, they will provide poor, unresponsive and uncaring service. They are terrible, just terrible.

These credit agencies that run this country have total control over anyone's life! The major problem lies in the name of the business that you are dealing with, like Experian, for example. Then, there's that triple credit report that monitors the 3. Well, I have been charged by this company, with this telephone number that is unbeknownst to me. I did cancel one because I told them that I was going to report them but they are so out of control and I do not trust them, when all of us depend on that rating. I hope that you can help me.

I will quote the Experian privacy policy, "Experian considers itself a steward of the information it collects, maintains and utilizes. Our responsibility is to ensure the security of the information in our care and to maintain the privacy of consumers through appropriate, responsible use." Yet, Experian gave my phone number to shady debt consolidation companies with these illegal phone numbers: 2-124-243-7315 and 7-500-228-2700.

Is it "responsible use" to give my information to illegal credit consolidation companies? Would a legitimate credit consolidation company have a fake and illegal phone number? I do not think so! To stop this according to the FTC (Federal Trade Commission), all I have to do is call the telephone number 888-567-8688, and give them my social security number over the phone. How many people have scanners that can listen to cordless phone calls? Not a good advice, right? I call this entire thing CORRUPTION!

Experian fails to provide any address either on their credit report or online, as does FTC. FTC fails to state any address for sending certified, written consumer disputes concerning credit reports. According to my call to FTC, they gave me this address **. I have a reference number from them concerning this complaint of no address dated 8/29/2011.

Experian failed to correct my credit report, 5 times. Today, I emailed the proof on corporate letter, along with my explanation and my driver's license. Charmaine ** (support@experiandirect.com) responded via email, instructing me to get a current credit report and to follow procedures. I check my up-to-the-minute credit report through CoreLogic every day.

After registering to receive a credit report for myself and my husband, Experian charged the $29.95 as was agreed. Then, 10 days later, I had 2 charges of $14.95 for a monthly fee that was not discussed or agreed to. When talking with their customer service, we were told that they do not give any kind of refund. This is unethical behavior.

Experian gave my son's information to "People to People" for a life-changing experience for a junior high school student. The problem is that he was already 25 years old in 2006 when he had a fatal car accident. His last name was also different than mine. Ken from People to People told me that this is not the first complaint. This has emotionally, severely, and deeply hurt me, reminding me of this sad tragedy of my only son. I called them and they would not do anything at Experian, not even a credit report for me to confirm my son's information.

I was given an opportunity to check my credit free, and then before I knew it, I was being charged $14.95. I then called them and complained; I was told I would receive a credit. Well, that did not happen and a month later, I was tapped again for $14.95 which caused an overdraft on my account. So then I called again and was told I would be given a credit for both $14.95 withdrawals but I would have to send my bank statement to prove my overdraft. I was so mad I could have strangled someone.

Credit bureau Experian advises me that their procedure is to classify 30 year amortization fixed rate home equity loans as INSTALLMENT LOANS, not as REAL ESTATE LOANS, as logic would suggest.

As a result, when a bank orders a report on a consumer with a home financed via a home equity loan, that consumer's credit report will show zero in REAL ESTATE LOANS, and will be grossly overstated in INSTALLMENT LOANS.

As installment loans are the classification of term loans used to finance consumer goods of middle life expectancy (up to five years ) those loans are expected to extend five years or less. Prudent lending calls for installment loans to be half or less of gross family income.

A home loan is logically categorized under real estate loans. As a well maintained home can be expected to have a usable life far beyond 30 years, at the end of a 30 year loan, one would have a valuable asset free of debt. Of significant value is the fact that while the family is paying for the home, it provides shelter for them, thus sparing them the expense of payning rent as a family who was not buying a home would have to do to have shelter.

Experian's process cascades into the banker's ratios showing an out-of-reason installment loan to gross household income ratio, while the real esate loan to gross household income shows to be zero.

This ratio imbalance results in the banker either refusing to raise credit limits and it may well force the family with impeccable payment history to agree to a loan with far higher interest rates than its repayment history warrants.

I recently obtained my credit report on 8/2/11, and found that roughly half of my information has been inaccurate. I have 14 items on my credit report that belong to my father. One of them is a negative collection from a civil suit, the other 13 items are all his and my mother's credit. There are items that date back to 1972, and I was born in 1981. It has many items opened up in the 1990s, when I would have been under the age of 18.

They also have their home mortgage on my credit report when they refinanced last year. I don't own a home and I rent. I have disputed items with them but get nowhere! There are also negative items that are listed twice on my report that I have disputed with nothing happening! I feel as if they have no desire to provide correct reports. My father and I have different social security numbers, and even tell them to check but still get nowhere.

This popup message appeared after I signed in to a secure bank website:

"We want to make you aware of a situation that has occurred that could be related to your personal information. Recently, there was a massive system breach at Epsilon, a third party vendor that supplies marketing services to a number of companies, including Chase, Verizon, Visa, Target, Best Buy, American Express, US Bank and many others. Some files containing personal customer information were compromised. Customer names, email addresses and other account details were exposed. Because of the increased risk of identity theft, we are urging you to do a credit check for any activity that you did not authorize.

To help protect you against this data breach, we have made your credit score available at no charge today, Thursday, July 28, 2011. Please be aware that although your credit score is free, a credit card will be required to validate your identity. Please note: Your updated Credit Score is available for free through Thursday, July 28, 2011. Your credit score is updated on a monthly basis."

This was a lie. They charged me and would not refund my money after I explained the lying message they sent out. They said too bad. I called them at Experian and they adamantly said "too bad". Only after I screamed at them, threatened to go to the press, the FCC, FTC, BBB, etc, would they agree to pay back just $15 because they already paid the other portion to the below mentioned advertising company for the illegal, false, lying, content to entice people to check their credit report.

Convict these criminals. Sanction publicly the Experian company for their unapologetic involvement in these crimes. Do something. How many people have been suckered into this scam? Sharebuilder.com should not have had to pay for this crime. Only because of my excellent status was I given the consideration. Many others won't have this option.

I ordered my credit report and score online from Experian for $1 as they have a limited time offer. I've been trying to cancel the subscription/membership before I get charged $14.95 for each month that I continue my membership.

The problem is that the contact numbers they provide on their website, including the one for questions regarding the their limited offer, are not helpful. They have an answering system that does not provide the consumer with the option to speak with a live representative. I need to cancel my membership. I don't want to be charged for something I'm not going to use on a monthly basis. I took advantage of their limited offer because I wanted to learn what my credit score is.

So, I kept trying different numbers until Amy answered 877-903-2965. I explained to her my situation and she gave me another number to call, 866-673-0140 for customer service. I called that number only to find myself with the same answering system, which offered me different options and when I pressed the applicable option, it didn't recognize it. I tried different options and nothing, it kept repeating itself over and over again and then it said goodbye. So, I called Amy back and asked to talk to her supervisor because I needed help to cancel my membership. She answered in a rude/repugnant way saying that there was no supervisor and she then hung up on me.

I couldn't believe it! I'm very frustrated and very disappointed at Experian's lack of customer service/support. I'm beginning to question their honesty. I'm not sure why they're doing this. By the way, they do not provide the phone number to cancel the membership as part of their offer. They only mention that you can cancel anytime but they don't tell you how. I didn't get a chance to cancel the membership. I don't know how to cancel since they don't answer the phone. That's why I decided to complain about it instead.

Experian keeps charging my Visa $14.95 for a credit report I never requested or received. The first time was on 7/6/11. On 7/11/11 I noticed the charge and both my credit card company and I got on the phone with Experian. They claimed someone had stolen my credit card number and requested a credit report for someone other than me, the cardholder. They said they would reverse the charges and did on 7/12/11. However, there is now another pending charge from Experian for $14.95, which my credit company cannot dispute until the charge goes through.

Through all of this there are no other fraudulent charges. I do not think someone is stealing my card number to get credit reports; If an individual stole my card number they would be purchasing fuel and groceries. I think Experian just randomly charges peoples cards and hopes the customer doesn't see and dispute it. They have everyone's credit card numbers since they "monitor" peoples accounts. It's becoming a massive waste of my time and a huge irritation. Wondering if anyone else is experiencing this.

For several times, I've tried calling; I have sent emails to let them know that there is negative credit on my credit report that isn't mine. I've let them know what it is, and that there are three negative credits. I've also given them the name that the person is using. I obtained the information by calling the places that are on my report (that isn't mine). I've also told them that the last four digits of my social security number had been changed on one report. Also, there are several addresses on there that I've never lived, and I even went as far as to telling them every state I've ever lived in since I was young. I also gave them the names that are on the accounts, and they aren't me.

I've called up the monitoring service. Equifax and TransUnion were given the same information that I gave to Experian. They were able to take care of the matter on their side, but I can't get any results from Experian. It is hurting my credit; I can't get more credits, if I want to. Is there anything that you can do to help me?

A Credit inquiry was made by Rogers Lumber CO., Cassville, MO tele: 417 847-2761 to Experian Credit Bureau on 06/17/11 Concerning my credit rating.

When they received the report it had some item on the report of my son's record. Under other social security number, which is his. He his the same name as I which is James D. Day, but has a II on hgis name. The date of birth 06/09/67 does not match his or miy birth date. My birth date is 06/09/41 and his is 02/18/67. Experian have combined his and my credit record, We have different social security number and addresses. It seems that Experian his merged my son's and my credit records.

I was just so frustrated. My husband signed up to get a credit check, about 3 years ago, because we were looking into purchasing a home and wanted to know what his score looked like. Ever since, we have been charged random amounts of money by "different companies". Every time I called, I got a machine or the representative stating that I would need to contact each "company" individually but was not given the numbers to call.

It became so bad that we were being charged $12.95 -$24.95, 3-5 times a month. I never knew when it was coming out and even put our account into the negative a few times. Finally, I cancelled the bank account and opened a new one. It has been 4 months and so far so good. I should not have to do that to stop charges. We have lost hundreds of dollars and that hurts, in this tight economy.

I'm writing this for my son. Last month he received 2 identical letters dated 4/22/11 from Experian. It said that a creditor had reported a change of name, address, Social Security Number. We immediately ordered a copy of his report. We found nothing whatsoever in the report. Nothing has changed as they claim. He only has 1 credit card and it's okay. So we wrote a letter asking what this was all about and who was this so called creditor? And since we had put a freeze on the account earlier, did they give out an info? My son put a freeze on his accounts as when he was laid off 2 years ago he applied for unemployment. He had to go through hell and high water when he found out that someone using his info had collected unemployment in California.

There were no answers, so this time I emailed them and the response was, "you don't belong to something Triple?" I immediately told them I emailed Experian not that whatever it is. No response. So just a few minutes ago, we received another email from Triple? at Experian. I responded the same way except that I said since you are Experian, aren't you(?), then you can transfer, forward or whatever to the correct party can't you? So now we wait for how long again? This morning I went to the government site and they told me to go to the FDIC site and make a complaint with them too. These people can make trouble for us when there is none. So, to whom do we complain loudly about them? Transunion is very nice and we always start with them. So now we wait.

I was trying to order a free credit report over the internet. First Equifax wanted to charge me a recurring fee for the service and that has stopped in 12/2010. Then I cancelled a recurring charge with Experian through my bank and this stopped in 12/2010. Now they have started back charging the fee in 2/2011. How can I stop them besides taking all my money from the bank?

After an exhaustive two-day search for any type of contact information for this company, I was finally able to get a contact phone number from the BBB. The BBB has hundreds, if not thousands, of complaints exactly like the issue that I have with this company. The BBB has several hundred more complaints detailing other issues with this company.

They are also known as: CIC Credit Monitor SVC; Consumer Info; Consumer Information; creditmatters.com; homeradar.com; I Place; I Play Innings; and QSpace.com. Things haven't been going quite as well for Consumerinfo.com since the Federal Trade Commission caught up with them. If the FTC has caught up with them, then why are they allowed to just change their name and continue to do business as usual? Doing business under 16 different names should tell anyone that this is nothing but a scam.

I have been monitoring and correcting errors on my credit reports. I had one student loan that was being reported multiple times, sometimes to my favor and sometimes it was derogatory. I couldn't get the credit bureaus to investigate it. Finally, I contacted the ombudsman for the U.S. Department of Eduction. At this time, most of it has been corrected. Then, I decided to check my credit report with Innovis. I discovered that my student loan was being reported twice in that credit report but under a new name, CSLFC. One was derogatory and the other was satisfactory. I had no previous interaction of any kind with this company. I had no clue who they were and why they began reporting a student loan that is paid and in good status. The phone number and address they had was not accurate. It rolled over to Student Loan Services. The address on the credit report was on Bleeker Street in Utica, NY. And their representatives told me they knew nothing of this company.

I contacted the BBB and they had little or no information about this company and it had a rating of D-. The telephone number they had listed was a non-working number. The address was in Irvine, CA which brings me to the next issue. I was looking at the inquiries on my credit report. These were in Irvine, CA with no listed telephone number. When I contacted Innovis, I told the gentleman in customer service that I thought that by having no telephone number and an accurate address, there was little transparency about this company. I told him that I wanted to know who they were and why they had access to my credit report. I received no answer, but they had the two accounts removed from credit report. But now I see that they have been accessing all of my reports. I also told that supervisor in customer service that it looks suspicious that this company is accessing my credit report and taking student loan information and including it on the Innovis report after the loan was correctly updated.

It appears that they are taking, buying this information, and trying to collect on them. However, I can't say that with a fact. But I have seen other complaints by consumers stating that this company and student loans are showing up on their report in the recent past. Now it appears that Consumerinfo.com is CSFLC or affiliated with them. I feel that they should be highly scrutinized and that their business practices could be suspect. Consumers should be aware. I would contact all the credit bureaus and complain about this company having access to your credit report, especially since their contact information is incorrect or outdated or nonexistent.

I have no credit and no credit score. I have contacted Experian numerous times; I contacted my creditors, who stated that they have reported my accounts. I have disputed them more than once. I am 33 years old; I have no credit and even bad credit to show! No one is willing to help me. Experian stated that all my creditors are not entering the information correctly. This is more than emotionally draining. I purchased a condominium unit, and I could have received a better interest rate. I am now trying to purchase a car; however, about 90 percent of companies run only Experian. Now I am unable to purchase a $10,000 car!

I have been trying to have an inaccurate report changed by Experian. They refused. I sent them a "State of Indiana" Department of Revenue letter from the Indiana Government Center North located at 100 N. Senate Avenue in Indianapolis, Indiana. It states that I paid off that particular debt in 1992 and then because it took a second time to pay the state of Indiana off for the same darn bill, there is a second payoff in 1994 for the same state tax bill that is listed on my Experian credit report.

The state of Indiana finally admitted that they were wrong in the fact that I hadn't paid the debt in 1992 but refused to give me back the second "payoff" of 1994, stating that they don't do that! So, not only did I get hosed by the State of Indiana, now my credit is being hosed by Experian. I sent the letter from John **, Commissioner - Indiana Department of Revenue, but Experian stated that the letter isn't proof of satisfaction of the debt and so it will not be removed from my credit report, not to mention that the debt is 18 years old! So what the ** can one person do? Experian says that I have to buy a credit report to continue resolving the problem! Can you help?

After I bought my minor son a cell phone, he started to get calls from someone looking for Mr. **. We informed the collectors that the number was now owned by a minor and that Mr. ** no longer owns it. The calls stopped but then started up again because Experian is giving out my son's phone number as Mr. **'s. I have contacted Experian about the issue and the Indiana Attorney General. Experian refuses to record that the phone number was abandoned by Mr. **. My son should not have to face seven years of harassment from debt collectors looking for someone else because Experian is too malicious to document that the phone number is abandoned.

Experian has mistakenly updated an address change to all my credit card companies to my daughter's address in Ohio. All the companies I contacted to corrected the information and told me that it was done by the post office. That was not the case. I finally found out that it was done by Experian and they are impossible to contact. They did not have authorization and no one contacted me to verify the change, not Experian and not any of the companies. It was just done and has caused me now five months of problems.

Just a total scam. I usually catch fine print but I didn't this time apparently. Absolutely unethical. They charge you $14-25 when you think you are paying $1.00. Make it way too easy to be tricked.