Experian Credit Reporting Complaint

Improper use of my credit report received marketing offer after opted out

Experian Credit reporting department,

Improper use of my credit report Received marketing offer after opted out California

I signed up for credit reporting with Experian not understanding that I would be charged a monthly $20.00 fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ -/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.

Experian customer in California
Jun 08, 2016

* Source: CFPB Complaint Database

Experian response to complaint:
Closed with monetary relief

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