Experian Reviews

I tried to complain about Experian to Experian, but they kept my credit rating low without explanation, and without reason, claiming they had lost my data. Experian are not subject to FSA restrictions, even though the banks and other credit agencies who use them are subject to FSA. The DoI rules only apply to 'false' information, not missing information, so Experian are essentially 'blameless' and without accountability; do not underestimate the value of credit; it is a shame that those in a position of authority are so cavalier.

Experian is false advertising free credit reports. They charge your account a $1.00 as well as charge your account $24.95 if you don't call in within 7 days, which is not on their site for FREE CREDIT REPORT info. I TEXTED them before the report was given to me that I'm not authorizing my account to be charged. They charged me $24.95 with the additional $1.00. When I called and finally talked to a person they are refusing to credit my account back. DON'T BE SCAMMED by EXPERIAN. They are just ripping people off... It's a SCAM.

In response to Lauren of Cincinnati, OH on Sept. 11, 2014, they scammed me to thought I was getting ONE TIME Credit Score for $1.00 but they took out $29.99 a month. How do they get away with it, If I did something like this I would end up in JAIL............... It's sad can't trust anyone this days.

A few months ago I signed up for a $1 credit score. I had some trouble with another company that was trying to scam me and I wanted to make sure my credit score hadn't taken a hit. What do you know, the credit report company itself went ahead and ripped me off, quietly signing me up for a recurring monthly payment that I did not specifically authorize. I did notice the small print on the first page, but figured they couldn't begin billing me for that unless I authorized it.

I wanted to know my credit score, so I agreed to pay $1. I provided them with my credit card information so I could pay the $1. $1 was immediately charged to my card and I thought that was it. However, I was completely wrong! A few days later I apparently, completely unknown to me, signed up for a monthly plan of $14.99! I never even saw this number pop up when I was paying the $1. Normally, before paying for something, you'll be asked if you agree to pay the above amount. Nope, not with Experian! They simply charge you without even asking first. How is that even legal? Shouldn't I have to agree to the amount prior to them charging me? As I said, I agreed to the $1, not the $14.99!

I have written Experian several times. They are quite aware that I am a victim of fraud. There are accounts in another state that I have requested to be removed in which have been associated with my name. The information came back verified. I have requested for the company to please advise me as to why these entries are still appearing on my file. There are liens on my file that have been associated with my name in which do not belong to me. I have only been ignored by stating again that the information is verified. I am requesting that this agency reinvestigate my credit file under the Fair Credit Reporting Act Section 611 (15 USC 1681I). Your agency has no way to ascertain the legitimacy of my action without investigating the items in question. Reporting these accounts and addresses in which do not belong to me are in violation of the FCRA. Please assist me in getting this matter resolved. Please remove the addresses which DO NOT belong to me in order to prevent further fraud. The inquiries were NOT authorized.

The Experian charge to me $19.95 not $1.00 to check up my credit point. It is not my willful intention absolutely. I don't want to have periodical credit service. Few days ago, the Experian company sent an advertisement through my email. The Credit report Company Experian lured me with $1 to check up my credit report and then they induced to input all my information including credit card number to charge the hidden money. As to know my credit report, I have to show all my information in their site as they want. First, the Experian advertised and emphasis $1 to see credit point in the email advertisement and then it was not $1 but $19.95 with short period of cancellation scam after all.

My wife noticed a recurring 21-dollar charge on our bank statements, this charge started in August of 2013. We called the bank, they told us it was a company called Experian. I do not recall ever signing up for services from this company. I tried calling Experian with no luck, so I sent an email to their customer service department. The following is their response:

I received a bad credit rating from Experian to Symphony Bank, Creditor. "It showed insufficient credit history on file." I called Experian. I was referred to Experian online. I went online. To get my credit rating I must pay at least $1.00. However, they also are fairly persistent that I must sign up for a service, which they say I can cancel at anytime. What a rip off! I do not understand why consumers should have to be hooked into such rip off stuff as the credit rating companies. THEY ARE ALL SCAMS!!!! Please do something about these companies which include Experian, Equifax, and TransUnion!

I too fell for the lure of the "Check your Credit Score for $1" but mine came with an additional 1, 2, punch. Along with the crap from Experian, I also was "enrolled" in ProtectmyId...which began charging my account $19.95 along with the $19.95 that Experian was charging. It is amazing what these places can get away with. How can they stay in business? Not only does Experian have fraudulent information on my credit report about me that continues to cause me problems when trying to get credit, but now they have attached themselves to my bank account. I wish someone would put them out of business!

Experian had an ad saying they would give you their report and three others for 19.95 but it would only cost 1.00 for theirs. Foolishly, I said I would accept their one dollar and gave out my credit card information. They have been charging my Discover card 19.95 since FEBRUARY!!! I just got it today. Okay, that was my bad. I thought the APR had gone up on my Discover. Ironically, Experian is to help with your credit report. They've actually HURT mine! I will never, ever do business with them again. I probably won't get my money back. I just want them to stop charging. I tried calling 3 numbers, got no help. I emailed. They said I'd be taken care of in the order received.

I order the free annual report as required by the federal law, then they charged 3 time for three months of $19.95 each month. I contacted them and they told me that that was chargers of your membership. I did not request membership, I only request the free report and they claim that it was included in the terms and conditions. Seriously they ripped me off and I did not request any service from them.

I want to let everyone know that I recovered $209.30 from Experian. I filed Internet Crime charges against the company because Experian had no proof showing I agreed to recurring charges. I’m really not sure if Experian gave the refund, or Capital One disputed and reclaimed the money. I think Experian issued the refund because it was very quick.

What folks on here seem to be missing is the fact that we were all lured to Experian by a merchant. In my case it was BEST BUY: An offer of $20 off an in-store purchase by opening a credit account (I am assuming it is the same $20 rifled off me by Experian). Following is a small excerpt of the credit account acceptance letter I received from BEST BUY: "You were first evaluated for one or more card(s) as disclosed in the application materials you received at the time of application. While you were approved for the My Best Buy Credit Card account, as part of the application process, you were declined for the My Best Buy Mastercard Platinum. Due to one of the following reasons: Your credit report shows low credit limits, etc.; Credit Report shows serious delinquency, etc.; Too many open bank accounts, etc.

The absolute WORST bogus service ever. They trick you into using a $1 credit report so that you sign up for a $20 service fee. Then you have to CALL to cancel - but they sure let you sign up for a monthly fee online! Competitors take note: advertise a "One time only credit report with no hidden charges and monthly fees!!!" And when you have the "service" it is hard to use the online program. I was refunded one month only because I complained. It just goes to show you this happens ALL THE TIME. I am a single mom with no help, and they stole $60 out of my kid's mouth.

Yes, suffered same initial enrollment scam where they really end up charging monthly fees, and due to hectic life it takes a few cycles before you tolerate the l-o-n-g hold on the phone, the only way to cancel a "membership" that you created on the internet at your convenience, to cancel by phone with lots of offers before finally letting you go, e.g., half price per month. BUT......now, months after canceling I all of a sudden have new charge from Experian that was NOT authorized. After waiting 30 minutes without reaching someone by phone at Experian, I finally my bank, reached someone immediately, disputed the charge immediately, and was reimbursed within 12 hours! I expect it is another ruse so you'll have to call them and suffer a second bout of sales pitches. The government should step in and shut them down is about all I can say after this last move. Most unethical... perhaps illegal?

I paid $1 for my credit report and somehow ended up getting on a $19.95/mo membership. They automatically debited my account and WILL NOT refund me when I called the same day to cancel!! This is a complete scam and is not noted very clearly on the website. Of course, it is in small print now that I go back and look again..... UNPROFESSIONAL!!!! And they are the ones dealing with our fraud issues?!?!?!?! What a joke!

HORRIBLE! HORRIBLE! HORRIBLE!! ABSOLUTELY HORRIBLE!!!!! DECEPTIVE AND UNETHICAL. Yes, I write this in CAPS and I am shouting about it. This is an absolutely unethical and deceptive way of running business. For a credit score that I was told that I would pay only a $1, I've ended up paying $70 so far. How ridiculous is that. Experian needs to STOP their business. They are making their living off of cheating and deceiving people. I've got so much more to say about how terrible a service I have had with them and that I will NEVER EVER use their service. I'm scared to even go into their website now as I'm afraid they will end up charging me for logging on.

I did the dumbest thing and actually PAID Experian to freeze my credit. Now, the stupid site refuses to authenticate me. Calling their CS is a nightmare. I now not only have to pay again to unfreeze, but I also have to send (by mail) a copy of my entire life. I'm beyond angry. I hate you Experian.

Found 4 charges through my bank account from Experian which my bank required I contact Experian directly with. After speaking with Experian, they confirmed they had my credit card listed on 3 different accounts of names (2 of which were simply initials) I did not know. After speaking with their poorly trained customer service (who should all have a notepad and pen to write important information down such as the amount they are unlawfully withdrawing from my account) who could only repeat to me over and over the other names to clarify I did not know them.

In January 2011, I tried to access a free credit report through Experian online. Once I realized that I'd have to join and become a member, I decided not to verify my email address and moved on to another site. Unfortunately they already had enough of my information to start billing my account monthly - I didn't realized what the bills were on my credit card statement until I sat down to study it the other day. I called to complain but was only refunded $24.95 of the $867.95 that has been stolen from me using this trickery.

This is an on-going issue with Experian and given the direction and interaction with their customer service department I would only expect to see a negative outcome at this point. I signed up for Credit Monitor service in January of 2014, which I used to baseline my credit prior to travelling internationally in February in March. I did not receive any active alerts or emails in the time I used the program and only accessed their service ONCE in January.

My friend is 71 years old, has NO DEBT, has NEVER failed to make a payment on time, and has a modest income with which she is more than able to support herself. Her home is paid for, as are her cars and a small vacation home. She applied for a BofA Travel Rewards credit card and was denied, even with an Experian credit score of 791. When I tried to help her discover why she was refused, I learned that the Experian FREE report is anything but free.

I decided to do my yearly free credit check through the Federal Government website. I already knew the yearly check did not include a credit score. I was interested in finding my score as well as my husband's. I chose to use Experian for the services. Although I was frustrated with the $5 charge on each person to determine the score, I agreed to pay. I knew in the beginning that I would have to go back and cancel my subscription to avoid monthly fees. My frustration came when I realized the annoying process that was required to cancel the subscription. Anyway, I put it off and take full responsibility that I waited too long to cancel.

Reported erroneous data on my credit report which had been placed there ONLY BY EXPERIAN, not the other credit reporting agencies. I had been alerted to the errors by a mortgage company showing my Beacon 25 points lower than 30 days prior. After an hour and a half on the phone and multiple calls, transfers, drops, and terminal waits, I finally got the whole other credit file off my record. Experian was unwilling to provide me with proof that my Beacon was restored to the higher level without me paying them for another credit report.

So yesterday 6-10-2014, I was checking my mother’s bank account and I noticed a charge on her account for 19.99 from experian. I asked her if she knew about the charge and she said no, she had no idea who they were and what they were charging her for. I called up her bank to find out more information and they advised me that they (experian) started a monthly charge with her last may. Apparently they check and monitor her credit for her every month. Well we are disputing the charges with the bank right now and they reversed the charges. I asked them how far back they can go and they told me that they could only go back 68 days because of federal regulations.

I, a college graduate and professional, as well as several others I have spoken with fell for the misleading advertisement by Experian regarding their $1 credit report. My search for a free credit report lead me to one of the big three credit bureaus where I was able to put in my information and get a full credit report for one dollar. I was automatically enrolled in their monthly service plan for $19.95. I admit it, after carefully reviewing the terms and conditions and conditions after the fact, it is in there. My mistake. My point is that the average consumer shouldn't have to dig so deeply to discover the truth. It should be clear and direct, not ambiguous and covert.

Experian provided my son a credit report for their $1 charge, but in the fine prints, they ask that you cancel the membership within 7days or that means you agree to join their $19.95/month fee. Of course, they charged and would not budge to refund it, but did cancel the membership. I have never seen a company be such thieves especially one that handles all of your personal information for creditors. Never again... if I can avoid dealing with them.

I subscribe to Experian, Equifax and Transunion every month and I have since about February of 2013. I have to say that I like Experian so much more than the other two in every way. Their website and features are much easier to use, more reliable, credit information is updated faster than the other two bureaus. Experian's Website looks much better and more attractive looking. Before I started subscribing to Experian, when I got my freecreditreports, Experian was simple and I got that report right away. Another thing I will say about Experian is that their Score for me has always been higher than the other two and they have the same information. I have never been dissatisfied with Experian in anyway. I wouldn't mind if they would give me a higher score of course but the score they have for me is fair and I agree with it.

Always lower credit score than other two agencies, very bad customer service. Even I am paid member, I cancel my membership. Please never get any kind of membership from Experian.

So I was looking for a house to rent, then this ad comes up saying that it is a $1 trial for a check for my credit score. So I thought, "why not?" Well, it turns out I was wrong. There was a trap in "Terms and Conditions", and it uses the fact that absolutely no one reads it. You would think that this website is like Netflix when after your trial ends it actually ASKS you if you want to continue your membership. Well, this fraudulent website simply DOES NOT. It charges you $19.95 even though you didn't even want the membership. I am not saying that you should read all the "Terms and Conditions", but just be careful. I am not writing this as a complaint or anything like that to the company. I am just saying that some of you out there may fall into their trap like I did, but if I write this, there might a decreased amount of people falling into this trap.

Experian charged my bank card 2x to lift a security freeze that still has not been lifted. Every time, I call automated service, I'm asked a million questions and no resolve. It's been a month now and I haven't received any notice, call or lift. However, they were able to double charge my card w/ no issues. Very unfair and unprofessional. This company shouldn't be responsible for anyone's credit!

Our company was denied credit from two companies and I am allowed a free credit report from the credit bureaus to find out why. I called Equifax first and got right through to a customer service person and she took all my information and said my free report would be to me in 7-10 days. Whole different experience with Experian. I called and a recording told me I need a declination letter from the company who denied me credit. I did not have a declination letter and pressed some # on the phone to speak to an actual person and that person told me if the company that denied me credit used Experian I would get my free report but if not I would not get this report.

I have tried to get my credit report Yesterday for 1 dollar. I used to be a member of Experian but I canceled my membership few months ago. For that reason I used a different email to apply for my new report. I could not get my report. There was some type of error. I have called the phone number that was provided and I have talked to a man. He told me that he could not confirm my identity and that he could not help me.

I got my free report at annualcreditreport.com supposedly for 3 credit bureaus, however, I was able to get my 2 credit report from Trans Union and Equifax without any problem and disputed some of negative on my reports. I cannot print or have my credit report for EXPERIAN. And I purchased my report from experian website and they have a promo of 1 for 7 day trial. After printing my report I want to disputes negative on my reports. They won't allow me and the msg was I need new Report. That is ridiculous, as I already purchased and printed my report a min ago. They are scammers and won't removed negative reports from your credit even if it was past 10 year already.

I have requested debt validation and the method of verification used numerous times by certified mail and they continue to verify names, addresses and everything except VALIDATION. They were provided documentation as to the deletions of these accounts per the other major credit bureaus but still report. I have provided deletion requests from the Pennsylvania Attorney General’s Office and Consumer Financial Protection Bureaus investigation results but they ignore these documents!

I received a year subscription because of an Adobe security breach. Experian would not accept the Adobe code to set up the account. I ordered a "free credit report." That required a credit card. I was immediately charged $39.99. Within two weeks a $14.99 charge appeared for my "monthly subscription." I called and had that canceled, though I did not know I signed up for it. Now a month later, there is a $32 charge for my "monthly statement." All of this from ordering a "FREE" credit report. Never will I do business with this despicable company again!

A collection that was clearly not mine. Not my soc #. They say they do not have a way to remove it. They say it is their software. I was told to contact the people who placed the info on my report. I did, they say they do not have a phone # or address.They also say they are aware that the soc # is wrong. My credit score fell 68 points. That seemed to be of no concern to them.

Due to the Target credit breach, I was going to order a credit report from one of the major credit report agencies, once every three months to keep track of my Target card over the next year. I specifically unchecked the box for a "free trial" of credit monitoring. 6 weeks later a $19.95 charge for credit monitoring shows up on my credit card. I have asked "Miranda" to send me a copy of the e-mail showing I agreed to the service - it has not shown up. "Nonalie" tells me that they bill retroactive to 2/7, and because I called 4 days after that charge hit my account, the service is in full force through the next month and they will be me again. Impossible to fight a credit agency without ruining your credit. I will write my Congressmen and the Attorney General and suggest they outlaw this type of practice. I may have expected it from other vendors, but the fact that a credit reporting agency would do this convinced me that laws need to be in place to protect the consumer.

In 2008, the registry trust sent a request to Experian to remove a set aside administration order that was satisfied. This was never removed from my file and for years I was refused credit by various company. Recently I found out this when I made a phone call to the registry trust because they told me it should have been removed years ago. I have been in talks with Experian and they were willing to pay compensation. They have now refused to pay anything and claim it is the fault of registry trust; however registry trust say they without doubt told them to remove it.

TransUnion got it right and revealed my Excellent credit history. Experian merged my credit history with a person who has bad credit and so Experian scored me at Average, delaying the process of my business funding.

Just discovered that Experian is charging me the amount of $16.28 every month. They did that 2 times one time on 01/27/14 and the other one is today 2/25/14. Why are they charging me this money!?? All I know is I made a one dollar transaction for a credit report. I tried to call them but I failed. I WANT MY MONEY BACK!!!!

Like so many others on this site, I have been totally taken advantage of by this company. I like others wanted the one time "see your credit score" for $19.95. What I got was a monthly monitoring service that I did not want or agree to (I did not even realize my card was being charged anywhere from $14.95 to $19.95 a month for 6 months until I checked my statements online) and I never received the 3-in-one credit report I originally wanted! When I finally realized I actually had an account (just thought I was getting marketing e-mails from them) , I created a login, other than printing my report (which any of us can do for free once a year by all three companies), I never received my score for Experian but only constant banging to get the 3-in-one from them and the other 2 reporting companies, I cancelled today and was so disgusted I didn't even try for a refund. Total waste and ripoff. I would like to write a scathing letter to the VP of Customer Service Douglas Sash, but seem to be having a difficult time finding a address or e-mail for him... Hmm, he is probably hiding.

I have paid a high price for Experian's "Protect-my-ID" service since Jan 2010 - on my name plus my wife's. It wasn't until I pulled the tri-credit scores recently that I discovered that of the three credit-bureaus, it was my own "protective service" company (Experian) that had incorrect information and had dinged my credit by about 75 points. The other two had me posted correctly at 768 and 766. When I tried to find a way through their website to talk to someone, it was clear that they wanted only to have people try to fix something through the website. Only problem - they wanted me to pay for their credit report and present the number of the report to dispute anything. What an insult after hundreds of dollars! On top of it, just try to cancel your account once they get your credit card.

I paid for a $1 credit report however am being charged every month with no visible recourse. This is a daylight robbery and seems to be perpetrated on a huge number of people. No other industry seems to get away with this. When I spoke to Customer Center, they say it's a Policy. What kind of policy is this deducting $19.95 every month without asking. Please don't create any trial account in this website.

I was having trouble receiving several credit card bills namely Kohl’s and MasterCard. I called Kohl’s who said that the statement was sent to an address in MO 63052. They also said Experian supplied them with this address and I was deceased. I called MasterCard and they also said that Experian gave them the MO address but didn't say I was dead. I called Experian who were less than helpful stating they are a third party vendor and they are given information from the credit card companies. I have a hard time believing this. I have been with both companies over 10 years and have lived at the same address for 28 years. I have heard horror stories about companies like Experian who apparently do not take the time to verify anything. I am alive and well in the real world but not according to Experian.

The business model: Create public relation messages in media alerting people to the need for them to be on top of their credit scores. Provide a public service message and then get people to know about your service to the public: free credit reports. The catch, design an offer and a website look that preys on human frailties: forgetfulness, in attentiveness, and propensity to belief in authority.The consequence is gain for Experian. Consumers "sign up" for monthly $19.95 credit report access by not officially canceling an implied obligation from the "free credit report". In a Republican system of government these scams work, because there are no real controls or advocates for ethical behavior, just the "right to petition the government"... Buyer beware, even when you are not really buying, is great advice from government agencies... Caveat emptor even for free offers!

Sad to see I am not alone in this. If I hadn't checked my online banking, I would not have known that I "ordered" the 3 comparison reports for $32.95. I too clicked on a box that I thought I was entitled to see, as I willingly signed up for the trial membership. I too received no notice that I was about to be charged $32.95 for this (now apparent) meaningless product. Nor did I received confirmation of the order. The page did not take me to my billing information page. I should say that several hours later, I saw an email from Experian thanking me for the order, but that was after I checked my banking.

I paid for a $1 credit report however am being charged every month with no visible recourse. This is a daylight robbery and seems to be perpetrated on a huge number of people. No other industry seems to get away with this.

I agreed to try Experian for a trial period, which now I'm told for a one week. I allowed them to take one dollar from my account, which was to be reimbursed. I called to cancel this subscription about a week later and I asked the representative if I had been charged for anything else. He said no and that he would stop the enrollment. I checked back to my account and found I had been charged on 12/12/2013 another 19.95. When I called for reimbursement, the representative told me I could not be reimbursed because it had been longer than a week. Can I get my money back from them?

They ask me to verify a car loan from a date, never had one - failed and they ask me to verify last 4 digits of a cell phone and never had a phone - failed again - these verification questions are designed to make you fail and if the account was created by an identity thief then how can the real person possibly know the details - also when dispute with consumer finance protection their response was nothing more than explaining how their so-called system works and absolutely nothing about the actual dispute - uh when a person complains about your process, there is no reason other than to piss people off to simply send a response that is nothing more than explaining how it works.

They promote $1 report. I run 2 - 1 for myself, one for my husband. However, they charged me $40 instead (and looks so fake that all 3 companies are exactly the same score/functions/status which is different than my bank provided). They do not have any confirm click, once you accidentally click something wrong. Too bad, they charge your credit card. Moreover, they AUTOMATICALLY SIGN YOU IN THE MEMBERSHIPS!!! WTF!!! They keep on charging you $20/month!!! That does not make sense. I barely called the customer services. I told them I didn't even know that. But they said most people won't know that either.

I became concerned about identity theft, and so I signed on to have Experian monitor my credit. I have trouble with the way all three credit reporting agencies determine your credit score, but Experian has made so many errors - which they do not correct - I am fuming. They have my available credit at $33,000, even though it is 4 times that. I have written to them 3 times about this. The report I received is accurate, but apparently nobody there can add. Today my credit score dropped by 12 points. The reason? I had supposedly "maxed out" a credit card. What actually happened is that they dropped a zero, so my maximum on that credit card became $1,280! I spoke to someone from Experian today. I was, and am livid. How can they possibly be so incompetent?

I just cancelled and was told I would receive a refund in 7-10 days. How long did it take to actually receive it?

Got scammed like everyone else. Thought I was paying $1 for a credit report, and a week later got charged $19.95 on CC. If you don't find the phone number on the website and call to cancel, they will charge it every month!!!

Like the others on here, I also made the mistake of paying $1 for a copy of my credit report from Experian and am quite certain I never signed up for their monthly membership. Yet, a week later, $19.95 was withdrawn from my checking account. I called Experian and got some foreign phone worker who was nothing but argumentative and they refused to refund the money. I have filed a dispute with my bank, but from what I have seen of the other comments, that will take some time to get resolved - if ever!

Asked my college-aged son to access his free credit report to ensure that his roommate's habit of paying the rent late was showing up on his credit report. Being widely advertised, he assumed that Experian was a legitimate business, and used them to access this information. Not only was there an initial fee of $32.95 for the “free” credit report, Experian is withdrawing $17.99 on the 30th of every month from his bank account. I have advised him to change his bank account and make a report to the Missouri Attorney General's office. He will probably not recover his $86.92, but he has learned to be more wary consumer in the future.

I had to get a credit report to apply for renting an apartment. I paid $1 for the report from Experian, and then a couple months later, I noticed that they had been taking $19.95 out of my checking account every month after that. I NEVER authorized that, and I NEVER signed up for any kind of membership.

I have the same complaints so many others have regarding misleading info and links on the Experian website, failure to provide service requested, etc. In my case, I had Experian put a credit security freeze on my information earlier this year. When applying for an American Express account through COSTCO, I was requested to temporarily remove the freeze. After Experian collected a lot of personal information online and entering PIN number they previously provided, I clicked the submit button and was told the request could not be completed online and that I must submit a bunch of documents by mail. Three weeks later, I receive a PIN number to provide to American Express in order for them to pull the credit report. It didn't work!

Got a paper mail letter from Experian saying some lender was using an incorrect address for me. Went to the Experian website to check on that, presumably for only $1.00. Did not see any address problem and was later billed $19.95 for the first month of a service I DID NOT request. Getting it refunded and cancelled was problematic. Waited a long time on the 800 line, agent was in the Philippines, and lots of static on the line. Tried to keep me subscribed for $9.95/month. I had to be ADAMANT for a refund and complete cancellation. I'll await to see the results and dispute with my credit card company if need be. SHAME on Experian for using this approach!

If you would like to view change(s) to your information, you may order a copy of your personal credit report at www.experian.com or by calling 1-888-EXPERIAN (1888-397-3742). If you would like more information about this letter, please call us at 1-877-22-00011. When you call 1-877-222-0011, it is a recorded message, so you do not need a password.”

I, too, was duped into believing I was getting my once a year "free" report...only to be billed a recurring $19.95/mo. plan (guess they have many, many plans). When I called to cancel, using the # on my bank statement, I got a message that just said, 'We can't answer the phone right now; leave a message." I subsequently looked them up online and called another #... They offered to reduce the plan to $9/mo!! What angered me the most was that I was forced to give my SS#, date of birth, and mother's maiden name to a woman who spoke very little English.

For many years, we have received harassing phone calls asking for Lynn ** or Kathleen **. We have even received mail, which I returned, at our home address. When we traveled, we would return to find our voice mail full of threatening calls. Sometimes, I would take the calls and try to explain that no one lived at our home by that name, but they did not believe me. One particularly verbally abusive lady from Interstate Collections told me my husband was a crook, that he was using two SS numbers. We immediately ordered credit reports from the three agencies.

Like so many others on this complaint forum, I too have fallen victim to what no less can be deceptive and predatory practices by none other than the one company that we consumers are supposed to use to help us protect ourselves from identity theft or issues with credit reporting. This site uses deceptive practices to get you signed up for services and other subscriptions that have nothing to do with getting your credit report. My case, trying to get a credit report on the $1 premise. When I signed up I knew that I would be charged $1 and would "have" to call again in the next day or so and cancel a subscription to a monitoring service I did not want in the first place. My result:

I purchased a credit report on the free credit report website. This was a one time, 1 dollar purchase. I am now being charged $12.95 a month on my charge card. Why is this happening?

Like so many others, I looked for the free annual credit score/report that we are entitled to and then began to get charged $19.95/month for a membership. Do not use this bureau. They are as predatory as the companies which require us to monitor our credit in the first place.

I explained to the Dispute Dept. the 6 collections on my report were incorrect because I have ID theft, & the specific accounts are listed twice on my report, creating a increase of negativity. The rep told me: "Charge offs & collections on same account stay on your report; you owe the money either way." Told this rep again: "The ID theft for over 1 year has created these negative debt listed on my report." Telling this same person several are listed on my affidavit of ID theft to the FTC, finally created an investigation. Do not believe it is legal to have same account listed twice!

I got a denial letter from Capital One saying I was dead and I'm not... so I called them and told them what happened. The woman told me they do an investigation and let me know in 72 hrs. It was like 24 hrs and it was removed from my credit report.

Got tricked into paid membership when I requested a report in March. When I discovered the unauthorized debits from my bank account, I called Experian and asked about the $21/mo. charges. They said I joined and those were the non-refundable monthly membership charges. However, I could find nothing to show my approval for such charges. I asked them to send me something in writing showing my approval and they said they couldn't do that. Ugly company! BEWARE!

July 2013 Requested free credit reports from internet at www.annualcreditreport.com - the reporting site run by Equifax, TransUnion, and Experian, required to supply credit information by the Fair Credit Reporting Act mandated by the federal government. Equifax and TransUnion (after verifying my identity sent free reports). Experian replied that needed additional information - which was supplied, current state driver's license, Social Security card, and utility bills - copies of which were sent as requested to BOTH the address provided for the Annual Credit Report website & to Experian. Experian responded with a letter stating "Some state always provide for a specified number of complimentary credit reports within a specified period of time. If you reside in a state that has legislated complimentary reports, our records indicate that you have exceeded your state's allotment." My state is one that has legislated such an allotment. Though 1 (ONE) request to Experian resulted in this letter.

I clicked on the $1 offer credit report and got a charge of $19.95. I called them 100+ times to get that refunded and remind them I only signed up for the one-time $1 credit score, but no one can do anything. They keep saying that they won't refund me the money, but I have one month of access to my credit score. I do NOT need one month of credit score. My credit score will not change in one month. I would have NEVER signed up for such service. They keep trying to push me this one month subscription which I do not want, and they won't refund my money. I so much regret giving them my credit card info. DO NOT PUT YOUR CREDIT CARD INFO ON EXPERIAN'S WEBPAGE!!! The image below is meant to distract customers from the disclosure that they have somewhere...

I signed up for $1 credit report service. After 1 week suddenly on my Chase account statement, $19.95 was charged. FYI, I never consented to save my credit card information NOR requested for any additional services. I called them 10+ times to remove my personal information from their file but their hotline redirects me to automated services over and over and I'm not able to reach any person!!!!!!

Equifax, Experian, Transunion - Repeatedly these corporations have sent me notice to verify my mailing address AFTER SENDING IT TO MY MAILING ADDRESS and after I had written to them informing them of such. They ask for information that is a violation of my right to privacy constantly. I am a victim of identity theft and they have the tools for performance. I received one report from Equifax only and I demand to see all three reports from Experian and Transunion that have refused as well. I started requesting my credit reports from freecreditreport.com on the third week of March. It is now the second week of July and they still refuse to send these to myself, Charlane **. I gave them my phone number of ** and my email address of **. This is fraud.

I went to get my free credit report and needed a $1.00 charge to verify my identity, which is fine. Checking my AMEX statement online over a month later, I see 2 $17.95 fees. After calling, they agreed to cancel the charge and refund the money which they did not. I was told on the second call the fees were non-refundable. This is a great multi-million dollar scam.

These guys are so crooked. They are playing us like fools. They make this so hard for you to do things easily online, so as to make people be tempted to pay extra for immediate access to their account. What a fraud these people are. I just finished unfreezing my Equifax and TransUnion profile flawlessly. Although I had to go through some extraneous steps, which I can understand for security reason, I was still able to do it. But these stupid guys... Forget it. I'm fuming right now. They require you have a report # that is no older than 90 days! Are they crazy? Who gets reports every 90 days in order to get their new Experian account ... wtf! I saved my paperwork like I always do but it's useless because the account number now is more than 90 days old. These guys are such a mess. Whoever is deciding on their way of business is an absolute idiot.

I wanted credit scores for my husband and myself. I first ran one for myself, and found an offer for $1. However, it would set me up for recurring charges and I had to call to cancel, which was a big hassle, so I decided to pay full price for my husband's, so I wouldn't have to deal with that. Lo and behold, a month later, another charge shows up on my account! When I called they said somehow it was sneakily in the terms and conditions, and the charges were valid and it was non-refundable. I'm so furious! I will never use them again. I asked them to show me where I agreed to that, and he could give me nothing.

Experian definitively states that there is no charge for landlords to obtain a credit report for a prospective renter. However, the deception is they charge the renter $16 for this service. Our renters were charged and could not even get the report. As a result, it is my opinion that no one can trust any information from this company, and I recommend they be investigated by any government agency to uncover their misleading procedures.

SSA, in 2013, tightened its access to senior citizen’s account online access and uses Experian as its source to verify users. Problem is...if Experian has an error in a file, you can't get an account opened! Worse yet, the only option to correct is through the credit denial portal with Experian, which is useless, in my experience. The only errors I found were a misspelled former street address and outdated phone numbers, all of which could not be corrected online or by phone with Experian. They don't answer phone calls, period. The only option is to go into an SSA office to bypass Experian's block on your SSA access. Congress should terminate Experian’s monopoly immediately. Thank you very much. Experian, you suck.

I was curious and paid the $1.00 for a FREE credit report. Well, it wasn't free. I didn't really read the fine print because I was in a hurry and next thing I know, my credit card was being billed. I don't know anyone that needs to keep track of their credit status month after month... I think this is a scam.

I contacted a utility and they asked for a deposit due to information received from Experian. So I applied for my credit report from the three major Credit Agencies. I received two and a letter from Experian saying they needed more information. So I called them and after talking to two reps, they told me they have no record of me. I know my credit score is over 700. So they took more information and will investigate why I don't exist in their records. This creates a big problem when applying for credit because it means you had none.

I applied for a credit card and was denied based on the information provided by Experian. The retailer I applied to sent their denial notice and informed me that I was entitled to my free credit report from Experian. I requested my credit report online like the letter told me to. After submitting my request, Experian charged me $1.00 for my "FREE CREDIT REPORT" - this was 6/10/2013. Now on 6/17/2013, I check my bank account and there I see Experian charged me another $19.95 for the same "FREE CREDIT REPORT." Are they above the law? Can they rip off any body? Guess they didn't realize they were stealing my Social Security and that it's a federal offense.

Looks like I am a victim of this practice as well. I signed up for the $1 credit report and now it looks like I will have to get a new check card. Thanks to Experian. Glad I was keeping track of my report so I won't end up getting this charge every month. WHAT CROOKS!!!

I tried to run my three credit score and report through Equifax. I am unable to get my report because there is a problem with my information on Experian. I went to the website and found a number that does not have live people to answer the call. I did find a number from one of your other product lines that has a live person. She recommended that I purchase my report through you. What a scam! How dare you hold me for ransom so that I am unable to purchase my report from anywhere but your site!!! You filthy bunch of thieves!

We decided to purchase a car and decided to at least pull one credit report. Unfortunately, I pulled from Experian. We received the report as promised but noticed a charge of $17.95 that kept occurring. I called the 888 number that routes you to the Philippines. The agent then proceeds to ask you name, social, birthday... I refused to give any over the phone and asked them to look it up using the last 5 digits of my credit card and name. They found it and said they would cancel. I did not have much confidence that this would happen so therefore I went to my bank and cancelled my credit card and got a new one.

I signed up for credit report monitoring with Experian. I was not happy with the service because it was supposed to include a monthly report but the report was never available. I contacted them and they would not issue a refund but did offer to change the account type to a higher tier to make the report available. Then they started charging me for both accounts. I attempted to cancel month after month but they kept charging me. Finally after nearly a year of this, the card they were charging expired. They sent me an email stating that they were not able to process payment. I thought "Finally! Great!"

I submitted a dispute regarding my mortgage. It was first showing my mortgage 30 behind with a note "Foreclosure proceedings started". After confirming with my mortgage company that my mortgage was not in the process of being foreclosed on, I submitted the dispute with all three credit agencies. The other two quickly removed the error. Experian however, not only kept the note but changed the May 2013's payment history from a 30 past due to a "FS" foreclosure proceedings started. This is unacceptable. I am trying to get my 2nd mortgage refinanced and needless to say, this is preventing me to refinance and potentially prevent me from keeping my home. There should be some accountability for this poor customer service.

The URL used should constitute an FTC violation of false advertising. It is not free; it is $1 and $19.95/month if you miss the fine print in the "terms and conditions" and don't cancel within 7 days. I found two charges on my card for $19.95. Experian refused to remove the first charge, claiming their terms and conditions are clearly stated. They removed the most recent and canceled my account.

All I can say is wow! I don't think I have ever felt this defrauded by a company before today. In a prior year, I had identity theft occur. I then decided to place a security freeze on all three credit companies in order to protect from further damage; in which case, it did prevent multiple credit cards from being opened in my name. However, I moved after placing the initial freeze and due to the move, I was unable to unlock the report for Experian since they had my old address on file. At first, I was irritated but thought "Well, they are trying to look out for people." I didn't have an issue with the other two agencies, but hey, this shouldn't be a big deal, right?

Experian has been charging my account $12 a month for some service that I never agreed to. I will never use Experian for anything.

I've just read the same thing that others are saying. Someone named Melissa got a hold of my credit card number and has been charging $19.95 monthly to my card since October 2011. I hold Experian responsible for this. They know these activities are happening and do nothing to prevent it. The customer service person could only refund up to 1 year and then put it on me to either fax in a letter or write a letter to their customer relations department in order to get my full money back.

I recently went to purchase a new car in my hometown. After the dealer ran my credit report through Experian, we noticed that the report was not showing my car loan that was closed (paid for) for my last vehicle. It was not showing up on the credit report which was affecting my credit score. They told me to contact the lender to make sure their records were showing the loan was closed. I contacted them and sure enough they told me it was closed and that all three credit bureaus were contacted. I then called the three bureaus. Equifax and TransUnion were showing the loan closed, but Experian would not give me any information about their report in till I paid for it using a credit or debit card.

I received a May 2013 statement from First National Bank of Omaha covering Mastercard charges. I noticed a $19.95 Experian charge and called First National to dispute that charge. First National's customer service department is not very helpful but did suggest that I call Experian directly. A call to them resulted in the revelation that an Arielle ** (they refused to give me a full last name) had authorized my account to be charged for a monthly credit report. Experian agreed to credit my account for the $19.95 plus another $100+ charged in previous months. I confess my ignorance in not catching the Experian charges on previous First National statements. My question is since I did not receive any monthly credit reports and I don't see how my credit report could have been helped by the mysterious Arielle **, should I suppose that only Experian could have received benefit from the $19.95 per month? It's scary to think that this could be multiplied by millions.

I am a long-time Experian member. I needed an extremely important question (my mortgage loan depended upon it) answered so I called customer service and was told I have to purchase a $19, $39 or $79 time slot, 2-3 weeks out in order to speak with customer service to have my question answered. I checked my credit score everyday because I am in the process of getting a new mortgage loan approved. There is nothing different in yesterday's vs. today's credit report, but my Experian score dropped 57 points. My other two credit scores went up from their baseline yesterday. I will not be blackmailed into purchasing more products from Experian just to have a question answered! They need to be held accountable for this type of business practice!

Signed up for 1 month free trial. My credit score was 999 and I could account for everything on my report, so great. Two weeks later, Experian contacted me to inform me that somebody has tried to obtain a loan with my address. I went through the process of getting this removed and Experian also said they are going to send me a check for $50.00 to cover my costs (i.e. telephone calls) with getting info removed from my report. I did check this as I was only on a free month trial and was told yes, you will get the $50.00 check (this never arrived). I did call them to explain that I found it strange that I could account for all info on my report, which dates back to 1999, then I sign up with them and two weeks later somebody has tried to obtain a loan with my address. They said, "One of those coincidences," which I suppose could be the case but seems a little strange to me.

I received a 3-in-1 report from Equifax. Experian had me around 700. I applied for a credit card, and they reported a 60 pt. lower score. The best way to handle these particular problems is to go to their Facebook page, read the many other complaints, and join in to add to the many, many problems that people have with Experian.

I asked for my credit report and was charged a dollar. I then looked at my checking account days later and saw a charge for $17.95 from Experian. I never signed up for anything with them. They do not allow you to cancel online. You have to call them directly. I also had to go through the process of canceling my check card and calling my bank not to allow Experian to charge me ever again. I'm extremely angry with what they did. I agree they are crooks!

Experian sent me an email with an offer for a $1 credit report. As you go through their website and agree to their terms and conditions, it signs you up for their $17.95 monthly membership (something I never would have agreed to if it wasn't buried in the fine print). I called them and tried to get the charges refunded, but they refused. I called my bank. They disputed the charges and issued me a new credit card. Evidently, they get a lot of calls about this and the only way to stop it is to kill the credit card. Experian is the worst. They are total crooks. Don't ever sign up for anything they offer.

I signed up to receive my "free" credit report for $1. Experian automatically charged me $17.95 for a monthly membership that I never authorized. I had to call customer service to cancel my "membership", and Experian refused to credit the $17.95. They also kept me on the phone for 15 minutes trying to sell me other products prior to cancelling the membership I never signed up for in the first place.

I wish I could give zero stars (or negative stars!) or a fist instead of a star! Experian Customer Service representatives are unable to understand the issue I have called repeatedly about because none of them are able to communicate well enough in English. This is very frustrating. They take your money and then either connect you with an automated service or to a CSR with whom you have a language barrier. It's unbelievable. They should be investigated for scamming consumers and then leaving you with no one to talk to.

I signed up for a dollar credit score and they charged me $17.95. They won't refund it because they said they cannot!

On September 12 of 2012, I have purchased a one-time view of my credit card from Experian Credit Report for $1. According to my bank account statements, I have been billed monthly by Experian for the amount of $17.95 without my consent even since September 19th of 2012. I have not agreed to such a service, and I wasn't even aware of it until very recently. I have tried contacting Experian but I have been unlucky so far. Is there a way I can not only cancel their service but get my money back for that time period?

Experian - a credit ratings/report company. Of all companies, they charge unauthorized fees to a credit card months after account was closed. Unbelievable. Do not ever deal with these people. I had to waste my time and threaten legal action to have charges reversed.

We filed a dispute against Experian for not updating correct information on the credit report for my husband. We are in the process on purchasing a home and with Experian not accurately updating information is unacceptable. I have spoken with Harley Davidson on this matter, and they submitted the updates to all three credit reporting agencies. Experian is not updating information the way they should be.

I went through the US Government approved www.annualcreditreport.com to get my credit reports today. On every page of their website, Experian deceptively offers a free credit score. They do not allow you to print the 10-page agreement that you have to digitally accept if you want your free credit score. However, I managed to select all the text and paste it into MS Word. I discovered that I would actually be agreeing to pay for a credit protection account, with monthly payments applied to my credit card, and no way to cancel the account other than by mail. I didn't do it because TransUnion just did the same thing to me, but how many other people have already been caught in the trap?

In February 2013, after being denied a certain credit, I tried to get my free credit report from Experian via telephone. Automated system asked for my complete Social Security number, birth date and other info, but not my name. Finally, I was told that they could not complete transaction. A couple of weeks later, I tried through their website. After entering similar critical info, I was told they could not complete my request. Since then, I have received emails prompting me to apply from my credit report which I have trashed. Of the 3 credit reports, Experian is the worst. Thank you.

Beware of what you sign up for with Experian. Their home page touts how you can get your credit report for only $1. Great marketing with bullet points of all the goodies you get. Of course, my guess is that 99.9% of the people who sign up don't see (or even understand) the teeny, tiny, faintly colored print at the bottom (of the home page) that talks about canceling your membership, which doesn't really explain that if you don't cancel the membership within 7 days, you're charged $17.95. I signed up on 3/18 so when I reviewed my bank account, I saw the $1 fee deducted on 3/18. Interestingly, I also saw a charge for $17.95 on 3/22 (4 days later?). I didn't have a problem paying for the report and would have probably paid a few dollars more, but this to me is a total bait and switch. I find their tactics disgusting!

I went to Experian website to get my "free" credit report. I got the report, but it was far from "free". They automatically sign you up for a membership at $17.95 a month. When the charge appeared on my credit card, I called Experian. They informed me it was an automatic free 7 day trial membership, and I was supposed to cancel the membership before the 7 days were up. I told the person on the phone that it was a scam and to credit my credit card and cancel the membership. They cancelled the membership but would not credit the charge. So I called my credit card company, and they were able to reverse the charge. The person I dealt with through the credit card company said this is a well-known scam by Experian to get money, and they have had to do many chargebacks due to that. Grrr.

Two days ago, I noticed a recurring charge on my debit card. Experian charged me, for the last five months, $19.95 for something I had not signed up for. I called the number and they asked for my social security number (which I did not give). They asked me a series of questions (did not pass) and then they asked if my name was Aron ** (of course not) to then declare I was a victim of identity theft. It turns out that this is a recurring pattern.

The website is vague and in my opinion, full of traps to get you to buy products that appear to be free but are not. I was only looking to get my credit score for $1 as advertised and ended up spending over $55 twice since my wife did the same. Further, you cannot cancel your membership through the website; you have to call them and listen to sales pitches. You'll hear the usual tactic, "If you choose not to cancel, we can offer the services at half price." Very dishonest and slimy organization. I can't say that the other credit companies are any better or worse, but one thing is for sure, Experian has to be as bad as it gets.

I didn't want to use my real info, but I didn't know anything about this company until I recently realized money was being taken out of my account. I called my bank and this company had been taking money out since the beginning of 2012. When I called the company and gave them my info, they gave me the name of someone else and asked me did I know them, and I did not. They said they would give my money back, which I'm still waiting on. I asked if the person would be punished for using my info. They said they couldn't prove someone used it. I think that is bull and they should make that person pay back what they took from me. I think it’s a lot of sorry lazy people who don't want to work for what they want - they’d rather take from others. If I don't receive a refund from this company, I will find a way. I will call the news, BBB and whoever else because I feel this is so BS.

I was never able to get a report from Experian even if I paid for all three credit reports. They charged me $29.99 and never told me, and because I never got a credit report from them with a credit score, I disputed the charges about 3 years ago. I’m going to move again in 6 months and I tried to get a free credit report from them earlier this month, but I was unable to because they needed to verify my identity. I sent all the necessary documents, which included a copy of my ID and a utility bill by priority mail and nothing so far. Experian must not exist anymore! Luckily, my present landlord didn't ask for my credit report, but I was denied renting an apartment before because the management company I applied to for an apartment could not get all three credit reports. I’m scared that it will happen again and nobody will rent to me. Please make them send me my free credit report!

I was charged $31 for my $1.00 credit report. This fee is for one month of access. Nowhere on their website did this amount show up. In addition, the emails I received from Experian did not indicate that I was charged this $31. The woman I spoke with said it had something to do with ordering reports from all three bureaus; however, this fee was not indicated anywhere. Next time, I'll use AnnualCreditReport.com. I immediately cancelled this "service" and, as a savvy consumer, they even got to me.

Experian Consumer Services and Experian Credit Bureau are different companies under Experian US. If you paid a dollar, call 888-888-8553 and cancel immediately or you will get charged monthly. Read what you're signing up for especially when putting in a CC #. For your free report, go to Annualcreditreport.com or call 877-322-8228. It's really free there. You don't have to put in a CC. Don't ever buy a credit score from a credit bureau. It's not the same score a bank uses. I used to work for the credit bureau portion so I'm just giving you some information to help out. Working for them isn't a walk in the park either. Good luck all.

These guys are the reason RICO laws were put into use. I had a simple deal. I give you money for a credit bureau report, you supply the info. The first time I logged on to their site, no problem. A few days later, when I need to dispute some info, they cut me off and want me to send a bunch of personal documents. No phone number to call a CS rep and get this. I sent the docs to them and they were returned because the PO box number changed! Shame on you Experian! You're a runner and worse than any bail jumper I know! How many times do you change your mailbox in Allen, Texas these days? Anyway, take it from me. They have no integrity. They are not reputable.

I noticed a few charges from these clowns on my credit card statement. I called to question them concerning it and find out who ordered it. They told me that all they were legally required to provide was first name and last initial only. Even when I told them they were protecting the identity of a thief, they refused to cooperate. I immediately contacted my credit card issuing credit union concerning this. They informed me that Experian has been doing this to numerous people over a long period of time. I again contacted Experian and informed them of what I learned. They refunded everything, yet still refused to give me the information of who ordered the reports.

I can't get a hold of a live person and if I don't get my credit freeze lifted by tomorrow, I will lose out on re-financing my home at no closing costs. I will be printing this and I will take you to court if your company makes me lose this chance. I have never in my life been more frustrated in trying to contact and talk to a live person. I have paid to have a credit freeze on my account because I had my identity stolen. I can't imagine a company that can treat the public with such distaste and lack of service.

For the first time in over 4 decades, my wife and I checked out our three credit scores by simply asking for them from one of our banks we worked with for over 20 years. Experian not only rated us 40 points lower than the other two, but showed us owning my dentist sister-in-law’s house (we do not), showed us having lived in numerous commercial and rental homes we owned or once owned, listed wrong employer, wrong telephone numbers, showed one missed payment on an over six year Kohl's card (we did not), showed a sold/closed vacation house over a year ago as being in active foreclosure, etc. etc. Experian should not be taken seriously and appears to be working with Banksters (www.BanksterUSA.com) to cheat consumers by helping lender cheats apply the highest interest rates possible or trap consumers to stay chained to banks’ "in-house" monies for millions of unsuspecting citizens.

On attempting to get one of the utilities turned on at my residence, a problem came up. The utility company told me that their records show that my Social Security number does not match with my name. This is my legal Social Security number since 1966. The same number I have worked under, paid taxes and Social Security under and used in every aspect of my life for the past 47 years. I called the Social Security Administration to find out if I was the victim of identity theft. The Social Security Administration verified my identity and assured me that the number I have is my legal Social Security number. And there has been no identity theft, that the number I gave to the utility company is my legal number. They told me that it is probably the result of a credit checking company giving wrong information to the utility company.

I have tried to contact them and they make it difficult to make complaints and report problems. But they can sell you their services for 30 bucks a month! All I want is to file a complaint against a vendor!

With ever increasing taxes and insurance, for 2013 I decided to budget my money better and keep better records. Going through my spending habits in 2012, I noticed a reappearing $19.95 from Experian. I've never been to their website nor ordered any services from their website. I immediately wrote down all the dates of the fraudulent charges and called the number in my statement. Apparently that number does not work, so I went online and found the correct customer service number.

I attempted to obtain my free annual credit report (as allowed under federal law), and Experian said they were "unable to honor" my request, although the other two bureaus had no problem. Instead, they gave me a form to mail in via postal mail and requested copies of several personal documents. This steers a person into opting for the $1 credit report and the subsequent enrollment in the monthly plan if one wants to see his report sooner rather than sometime in the postal future. It’s kind of underhanded, really.

I don't have an account with them, never have, but got charged $84! I don’t know what to say. They obviously are doing a mass fraud campaign. They said four names of which I "paid" for. If this were identity theft, why would they use it to check their credit? A class action lawsuit is needed.

I also ordered the $1 report and cancelled right away. On October, I got charged twice $17.95 ($35.90) on December. In a period of 6 days, I got charged 3 times $17.95 ($53.85). What the heck. Same thing as some of you. Experian says there is no record of my cancellation and that their record only shows one charge of $1. Yeah right. Class action needed ASAP.

I saw the following ad: "When you order your $1 Credit Report & Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period, you will be billed $17.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge."

I first heard of Experian when I noticed some unknown charges on my credit card that I use for online shopping. I had never even been to their website before, and they had been charging me $20 three times a month for the past two months! I called my bank right away, and they got it straightened out, but the associate I talked to said they had been having a lot of trouble with Experian charging Wells Fargo customers falsely. This was several months ago, and then today, I received a letter in the mail from "MSU" (my old college) saying that my old financial aid information may have been hacked and I should sign up with Experian to ensure that I was alerted to any false usage of my information. My name was not updated to my married name (which MSU knows) and the contact information and return address weren't even in the correct state. This is scam and fraud!

I noticed an unauthorized charge on AmEx card. AmEx would not dispute due to special relationship with Experian. I researched and called Experian, and they cancelled charges but could not say why they continue to allow individuals to purchase products on their site when that individual, Deborah **, had only my credit card number, not the CCV and not even the name on the card! This is an ongoing problem with Experian that they seem to unwillingly and unable to address, which is all the more ironic as they purport to protect individual's credit. Anyone have a class action going? I'm thinking a full-page Wall Street Journal ad might be appropriate. I will see what can be done.

I requested a free credit report from Experian. A month later, a charge appeared on my credit card for a monthly membership. This is pure fraud (class action lawsuit please). Of course, they are closed on weekends, so I have to wait until Monday to address it. But I am going to report it to as many places as I can and dispute the charge through my credit card.

I telephoned Experian to cancel my account. I was charged after I closed my account. I had telephoned. A man who barely spoke English tried to sell me more months, give me a month free and also give me more features. I said no. He said he would cancel my account but I could keep it for the remainder of the month. I said no but I'm still charged. Experian said that there was no record. Do not telephone Experian to cancel; do it by email through customer service.

I too signed up for a $1 credit report and ended up with a $31.00 charge on my card. I wish I read these before I was scammed. I got a letter from a credit card company I haven't used in years saying Experian told them my credit score was 608. I panicked because I have good credit my whole life. I went on their site - my credit was just fine. It worked. it got me on their site.

This is definitely the shadiest and worst credit bureau. Honestly, they should be shut down altogether. I tried the free credit report through LifeLock for Fraud Alert, no dice. So I tried going straight through them to get a three bureau report and score for $39.99. Guess what? They charged my account and still did not give me my report, saying that they could not verify my identity and I needed to call them. I called, and apparently I still could not verify my own identity for them. What the heck bad info do these guys have and where did they get it? Anyway, they said they would cancel my order since they could not verify me and issue a refund within 3 business days. 8 days later, 3 phone calls later, I filed a dispute for the charge with my bank ...

Experian fraud - I have you all beat... I signed up for the $1 credit check. I knew I needed to cancel within a week; however got busy and forgot. So I not only got charged $19.99, which I agreed was my fault, but they also charged my card for not 1 but 2 charges of $59.90 and also 2 charges of $29.95 all within 1 week. The information listed with the charges was "Continuity/Subscription Merchants" which I don't know what the heck that was. I never signed up for anything else nor agreed to have anything added to my $1 agreement. Needless to say, I made the phone calls also and was told that my card had been compromised by 2 different people due to this. I have been told that the charges will be reversed, but I went ahead and cancelled that card just to be on the safe side. I learned my lesson!

I got scammed by these guys as well. This cannot possibly be legal. They tell you for $1 you can get a credit report - no strings attached. But then they just charge your credit card $19.95 a month and hope you never see it. When I called them, they asked if I know a person by the name of "Mike **”? No. And what does that have to do with my credit report? Why would Mike ** be able to charge my or his credit reports to my credit card? How would Mike ** have gotten my credit card #, exp., and 3-digit sec. code? Mike didn't. Experian did and they tried to get away with fraud. That's terrible.

I wanted a free credit report and agreed to pay Experian $1 for the report they offered. Instead, they charged the card on Nov. 5th, 2012 in the amounts of $1 and $31.95. Then on Nov. 12, 2012, they charged $16.99. They apparently enrolled me in a monthly plan without my permission for $16.99/month. I called them and after a lengthy conversation where they made it as difficult as possible to get any kind of refund, I was able to get the $16.99 reversed, as well as a partial refund of $17 on the other charges. There was no indication that any charges would be made other than the initial $1 fee. This company practices fraudulent and dishonest business.

Let me just add my voice to the list of those scammed by Experian when we paid the $1 for a one-time view of our credit report. I read the website very carefully and did not sign up for any recurring service, yet I too just noticed a $19.00 charge on my credit card. I called Experian and the woman tried to claim I signed up for a 7-day free trial, which reverted to a monthly credit monitoring service. I told her I didn't sign up for that and she said I did. We went back and forth until I gave up and called my credit card company to dispute the charge (and request a new card with a new number, so it's impossible for them to try that scam again with me).

On November 5, I ordered my credit report - just that, no membership. When I received my bank statement, there were 2 charges, one for $1 and another for $17.95. So I logged onto their website and looked for a Customer Support phone number. I did not find it. I googled for Experian Customer Support and was able to talk to an agent. She said that I had signed for a membership, which I never did. I had to argue for over 20 minutes to get the membership cancelled and my money back. They are deceiving their customers and automatically enrolling them into a membership. That is fraud, isn't it?

I signed up for a free credit report from Experian and agreed to pay $1 on 6/25/2012. I have been charged $17.95 for 5 months, 6/29, 7/29, 8/29, 9/29, 10/29! I had skimmed though the terms and did not see anything about the monthly fee. Going back now, I see that 1/2 way though the fine print is a section covering a monthly fee once the free period had ended. With so many regulations out there, you would think a company should have to disclose any recurring charges in a clearer manner. I understand as consumers we should be more vigilant about reviewing terms and agreements and reading the fine print clearly, but I also feel it is the obligation of agencies to regulate these types of things, specially since these companies are getting away with these actions with few afflictions. To those of us that notice and complain about the charges, the company gives us back a portion of the fees that were incurred and we go on feeling short-changed and helpless, because we were essentially scammed. The company goes about their business and profits from our misfortunes and for something like a credit report that should be available for free.

This company is a total scam! I thought it was a reputable company since it was listed on the state website, but it’s a total rip-off! Experian.com offered a deal where your first month was only $1, and then $17.95 after that. They also said you could cancel at any time before the first month was over and you wouldn't be charged. I canceled the same day I signed up. I called the number and spoke to a woman who confirmed my cancellation. That was a month ago (September 21).

Misleading website makes you think you're paying $1 for a one-time credit check, but actually you're signing up for a $17.95/month membership. The info about the membership is indeed on the webpage but it's buried far below the big orange Start Here button and it's in small muted green text that most visitors are likely to miss. These kinds of scams should really be outlawed. If this happens to you, call Experian as soon as you notice the charge on your card and demand they remove it. They did for me.

My credit card number was used fraudulently earlier in the year, and I decided to check my credit report to make sure that was all that had happened. I saw Experian's offer for a $1 report, but I instead opted for the $31.95 report from all three agencies. Much to my surprise, I was billed an additional $17.95 7 days later. I received no receipt that I had been enrolled in any recurring program - but I did receive an email containing the report I had purchased - nor did the member section of Experian's website indicate any expiration or other trial status.

They got me too. They charged $19.95 a month for several months. I called in and was told an unauthorized user is using my card to purchase a credit monitoring membership. But hooray, they save the day and can refund my charges. Geez, what a scam.

I just realized that similar to many others who reported here, I too am a victim of the repeated unauthorized charges by Experian. I am out of the country for a couple of months and today when I logged in, I saw 4 repeated charges of $19.95 each for credit report by Experian that I did not sign up for and neither did I authorize any of them. I called Experian and they confirmed some other person used the card and charged it, and that they will revert it in a couple of days. This is a clear scam. I wonder how a credit reporting company cannot have basic safeguard measures to check the name on the credit card against their report and to call them as one of the top 3 is simply outrageous.

So I have been monitoring my credit with Experian for over a year, as well as my wife. We are paying this horrible company $40 a month. We pay our bills and keep our balances under 25%. This month, my score dropped 25 points? I went online to see what happened. There are no details on what happened, just that my score dropped? Why do we pay this stupid company $40 a month when they give you no details?

Fraudulent monthly charges - I have been charged $19.95 a month for the past 2 months from Experian, and I have never done business with them. This is the second time in the past year this has happened to my account. My bank supposedly investigated the charges the first time and removed the charges, but I never heard anything on who made these charges or how these charges were made. Somehow, we have to find out how this is happening.

I was refinancing my home and so I wanted to check my credit score. I went to the Experian site and signed up for a one-time $31.95 fee. Somehow without me realizing it, I was signed up for two regularly monthly bills. One for $17.95 and another for $14.95. I finally realized it after they'd charged me up an extra $99.70 over my initial fee of $31.95. After being put on hold on and off for 45 minutes, I finally got them to refund most of it. But it took a lot of persistence. Clearly, not everyone has been as lucky. I suspect they purposely set up the website this way because they know that people will somehow be confused and sign up for extra charges without realizing it. This company needs to be called out on this. I'm willing to pay for a credit check but I really don't like being tricked into paying extra money.

I noticed the $17.95 charges after four months. They refunded three of the four charges. Needless to say, I am pissed off.

I signed up for a $1 credit report glance and was billed more monthly. It did not even give me a number score and I have now been billed $17.95. I just can't believe these companies. Nowhere did it say that I was signing up for some membership.

Other people on my report - I've tried to pull my report to check it and after 2 months of even trying to get it, Experian has someone else's information on my report and are now saying they cannot validate or verify my identity!

I did not knowingly sign up for this service. I am getting billed $16.95 for twice something I did not knowingly sign up for and I would like a credit back.

I wanted to check my credit score. Somehow I was enrolled without my knowledge in a mysterious monthly Experian membership. Apparently, one has to cancel this membership within 7 days to avoid the $17.95 monthly fee that has been appearing on my credit card statement. I called the number I found on this ConsumerAffairs website after googling "Experian 17.95.” This site was the first listed. I noticed the 561 consumer complaints about this situation. Such a scam! I spoke to the operator to find I had paid for 3 months over $56. I requested my month back. She offered to cancel my membership (like I ever used it). I was furious. I wanted a refund. I asked for the supervisor.

I paid $1 for a credit report and provided my credit card. Then I agreed to pay $31.95 for a more extensive report. I was fine with that. Then, my credit card started being charged $17.95/month. Fortunately, I caught it after only two charges. When I called (1-877-284-7942), I was told too bad that with the $1 report, I had also signed up for some service that I had to cancel within seven days. I had never seen that even after I went back to the site. I had trouble finding that little detail. After about 20 minutes of my time wasted and promising them I would not back down, I got all but $0.95 of my $35.90 in unauthorized charges refunded. Simply maddening. How stupid it is for companies to do business like this. I left T-Mobile for the same reason and will never use them or Experian again.