Experian Credit Reporting Complaint

Credit monitoring or identity protection billing dispute

Experian Credit reporting department,

Credit monitoring or identity protection Billing dispute Illinois

I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a $1.00 Experian Credit Report on - -, 2016 and was pleased with the result. After receiving - separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately $22.00 per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. Customer support informed me that the $1.00 report I signed up for included an automatic enrollment in the monthly service ( again, at - the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the - subsequent emails. I am fortunate to be in a position to write off a $22.00 fee as a learning experience, but feel intentionally misled by the $1.00 upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as - and -.

Experian customer in Illinois
Jan 06, 2017

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with monetary relief

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