Experian Consumer Services

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on June 2, and followed by a request to cancel the membership on June 28, A Welcome email notification was sent to the email address you provided at the time of enrollment.Customer satisfaction is our priority, as a courtesy we have issued a refund of $($plus $tax) on June 30, Please allow - business days for these funds to process to your credit card account At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence We feel it is important to keep the consumer informed regarding the ordering process Our website describes the offer in detail and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancelThe customer agrees to these terms when submitting their order.We appreciate the time you took to send us your comments and suggestions We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us It is through information provided by customers as you that we are able to improve our products and memberships.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Premium We have received your request to cancel your Experian CreditWorksSM Premium membership and have cancelled the membership effective September 21, We apologize for any inconvenience our hold times caused you We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

We apologize for any confusion, our records show one charge for $and one charge for $Both charges have been refunded

Thank you for writing and expressing your concern regarding your membership with [redacted] Our records indicate that you enrolled with [redacted] on February 8, 2015, and followed by a request to cancel the membership on May 15, On March 29, your membership with [redacted] was upgraded to Experian Credit TrackerSM Customer satisfaction is our priority, as a courtesy we have issued a refund of $on May 17, Please allow - business days for these funds to process to your credit card accountIt is also important to note that this refund should appear on your next credit card statement At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure at sign up: IMPORTANT INFORMATION When you order your $Credit Report and FICO® Score, you will begin your 7-day trial membership in Experian Credit Tracker?If you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge Please be advised that the price disclosed when you subscribed was $ We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with CreditCheck(R) Total Our records indicate that on December 28, 2017, you enrolled in a membership with CreditCheck Total on a one-dollar trial basisA welcome email notification was sent to the email address you provided at the time of enrollmentYou contacted us on January 4, 2018, at which time your membership was cancelled, to be effective January 7, Consequently, in accordance with the published terms of our offer, the credit card provided was not charged our monthly membership fee Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancel The consumer agrees to these terms when submitting their order In response to your Revdex.com complaint, your membership was immediately cancelled on January 5, We apologize for any inconvenience our hold times may have caused, and appreciate the time you took to send us feedback regarding our product and website We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us It is through information provided by customers such as you that we are able to improve our products and memberships We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM Our records indicate that you enrolled with Experian Credit TrackerSM on December 10, 2014, and followed by a request to cancel the membership on December 18, A welcome email notification was sent to the email address you provided at the time of enrollment Customer satisfaction is our priority, as a courtesy we have issued a refund of $Please allow 7-business days for these funds to process to your credit card accountIt is also important to note that this refund may not be reflected on your credit card statement for 1-billing cycles At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure at sign up: Important information: When you order your $Credit Report & FREE Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge The product that you ordered was a bureau credit report and scoreThis product is not included in the trial offer and is always advertised as for feeThe price for this product and the accompanying scores that you ordered were listed in two places on the order formWe do not normally refund these purchases as they are delivered instantly online at the time of orderAs a courtesy, we have issued a full refund of the purchase price, an amount totaling $Please allow 7-business days for these funds to process to your credit card account We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt is through information provided by customers such as you that we are able to improve our products and memberships We hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM Our records indicate that you enrolled with Experian Credit TrackerSM on February 25, and followed by a request to cancel the membership on December 10, A Welcome email notification was sent to the email address you provided at the time of enrollment Our records indicate that as of January 12, 2016, your bank has accepted the fees, an amount totaling $We are therefore unable to refund the monies directly to you, as your bank has received the refund for you Customer satisfaction is our priority, as a courtesy we have issued a refund of $on January 13, Please allow - business days for these funds to process to your credit card accountIt is also important to note that this refund should appear on your next credit card statement At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing Important information: When you order your $Credit Report & FICO® Score, you will begin your day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge Please be advised that the price disclosed when you subscribed was $ We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt is through information provided by customers such as you that we are able to improve our products and memberships We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for informing us of your recent experience with Experian Credit TrackerSMWe understand how upsetting a potential credit card fraud situation can be ConsumerInfo.com(R), Inc(“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides consumers with credit monitoring and internet access to their personal credit reports, not banking transactionsPlease contact your credit card issuer for more details regarding transactions Our records indicate that a complimentary Experian(R) credit report and score, along with a trial membership in Freecreditreport.com(R), on October 6, 2014, utilizing a [redacted] and on May 10, 2015, the membership with FreeCreditReport.com(R) was upgraded to Experian Credit TrackerSMSince the complimentary trial membership was not cancelled in accordance with the published terms of our offer, the card provided was charged our monthly membership fee on October 13, and on or around the 13th of each subsequent month Additionally, our records show that you contacted CIC on July 16, 2016, and stated that you are the holder of the [redacted] did not open the account in question and believed that the order was fraudulently placed with us by a third party utilizing your [redacted] (R)In response, CIC cancelled the membership and locked the account Since you believe that the order was fraudulently placed with us by a third party, we encourage you to file a police report and to watch your accounts carefully in the event of other fraudulent use Customer satisfaction is our priority, as a courtesy we have issued a refund of $215.88, plus sales tax of $13.44, for a total of $on July 19, Please allow - business days for these funds to process to your credit card account We hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM Our records indicate that you ordered a one dollar credit report along with a trial membershipA welcome email notification was sent to the email address you provided at the time of enrollmentThe membership was not cancelled within the day trial period, consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on February 27, and on or about the 27th of each subsequent monthWe received notification from you to cancel the membership on July 27, Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to cancelThe consumer agrees to these terms when submitting their order At time of cancellation, a one month courtesy refund was processed in the amount of $ As a courtesy, we have issued a full refund of the remaining monthly fees on August 1, Please Allow - business days for these funds, an amount totaling $807.95, to process to the credit card account on file We apologize for any misunderstanding or inconvenienceAs a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA lawsTo submit a request under the FCRA via Experian(R), please call 1-888-397-For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I will accept the full refund as a resolution However, please let Experian know that the website's name is " [redacted] " so I do not understand why I was charged $just to view my "free" credit report Their way of presenting the product is ABSOLUTELY misleading and they need to be more honest and clear in their presentation! Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am not satisfied with the answer because Equifax was hacked and all data was leaked almost mil people, if that happens to you then you just going to tell me that you sorry and then I have to deal with identity thefts and freezing credit score and other problems that people are having right nowThis is very unacceptable, if person is allowed to create an account I have a right to delete it and protect myself, you cannot guarantee my protection just as Equifax could notPlease delete my account and all my personal information, you are not guaranteeing my safety and not leaking my dataI am not using that account for more than a year and I am not going to ever re-open it, please delete my the data, you are not authorized to have my personal information if I have closed the accout Regards, [redacted]

Thank you for expressing your concerns regarding the FICO(R) Score Powered by Experian(R) included in your membership As an initial matter, please note that, ConsumerInfo.com, Inc.® (“CIC”) and its product Experian Credit Tracker?, is an affiliated company of Experian®, the credit reporting agency, and in that capacity offers a variety of credit monitoring products that include online access to consumers’ personal credit reports and scores FICO Scores are developed by Fair Isaac CorporationThere are many credit score models used in the marketplace, and lenders may use whichever model(s) they preferFICO Scores are used by the majority of lendersThe advantage of FICO Scores is that they can be the same scores used to make many credit granting decisions, no matter which scoring model their lender uses Your FICO Score is calculated based on the data in your credit report at the time you request your credit report and scoreEvery time you request a new score, a new credit report is pulled and your new score is calculated based on the information in your credit report, up to once a dayBe aware, your credit report may change oftenDifferences in your score may be due to a change in balance on one or more of your credit cards, payment updates, or the addition of new accountsEven the fact that your account(s) is one month older can affect your scoreIf there are inaccuracies on your credit report, these could also be affecting your score and should be disputed directly with the credit-reporting agency providing that informationIn general, there are many factors that can affect an individual’s credit score, such as payment history, current debt, available credit to debt ratio, etcThe actual scoring model and its calculations are proprietary to Fair Isaac CorporationCredit scores are usually calculated based on the combination of all the credit factors in your credit reportYour credit score is not based solely on one single item or behaviorSo although you may have done something that you think should have changed your score, the FICO Score actually looks at how this information combines with other information in your credit report and how, if any, this changes your credit scoreYour score may go up, down, or remain constant depending on each factor as well as a unique combination of factors The score analysis section that comes with your FICO Score may help you understand what specific credit factors had a positive and negative affect on your FICO Score It is unfortunate that you had an adverse experience while dealing with ConsumerInfo.com and your free ten minute session with the certified credit advisor offered by our sister company Experian Credit Advisors, Inc As a valued customer, your concerns are very important to usIn response to your concerns regarding credit advice we state the following: We are unable to provide credit advice, however the membership can help you better understand how the changes you make can impact your score For in-depth credit advice, you may want to speak with a certified credit advisor in your area We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt is through information provided by customers such as you that we are able to improve our products and memberships We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for informing us of your recent experience with freecreditscore.comTM We understand how upsetting a potential credit card fraud situation can be.ConsumerInfo.com(R), Inc(“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides consumers with credit monitoring and internet access to their personal credit reports.Our records indicate that a membership in freecreditscore.comTM, was ordered on March 24, 2014, [redacted] *** The freecreditscore.comTM membership was upgraded to Experian Credit TrackerSM on May 5, Since the membership was not cancelled in accordance with the published terms of our offer, the card provided was charged our monthly membership fee on March 31, and each subsequent month.Additionally, our records show that you contacted CIC on August 2016, and stated that you are the holder of the ***, did not open the account in question and believed that the order was fraudulently placed with us by a third party utilizing your *** In response, CIC cancelled the membershipSince you believe that the order was fraudulently placed with us by a third party, we encourage you to file a police report and to watch your accounts carefully in the event of other fraudulent use.Customer satisfaction is our priority, as a courtesy we have issued a refund of $on September 9, Please allow - business days for these funds to process to your credit card account We hope the above information is helpful to you in considering this matter

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I will also contact them about the claim that I accessed my credit report multiple times during the time I had the service since I had no recollection of doing so which is concerningI do think that they should change their policies and that it completely represents a bait and switch advertising the credit report as freeThank you so much for your effort though Regards, [redacted]

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Our records indicate that you ordered a free Experian CreditWorksSM Basic membership on October 13, Our records further indicate that you updated the membership on November1, to a one dollar credit report along with a trial membership The membership was not cancelled during the trial period; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on November 10, A welcome email notification was sent to the email address you provided at the time of each enrollmentPer your phone request, your benefits ended, effective January 12, Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinueThe consumer agrees to these terms when submitting their orderWe have, as a courtesy, issued a refund totaling $on January 12, and $on January 17, Please allow - business days for these funds to process to the credit card accountAt this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence We feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing IMPORTANT INFORMATION When you order your $Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorks(SM)If you don’t cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may easily cancel your trial membership online anytime within the trial period without chargeIn the future we recommend visiting www.annualcreditreport.com which allows consumers to request a free credit report, once every months from each of the three nationwide consumer credit reporting companiesWe strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM Our records indicate that you enrolled with Experian Credit TrackerSM on December 5, 2014, and followed by a request to cancel the membership on January 5, A welcome email notification was sent to the email address you provided at the time of enrollment Customer satisfaction is our priority, as a courtesy we have issued a refund of $Please allow 7-business days for these funds to process to your credit card accountIt is also important to note that this refund may not be reflected on your credit card statement for 1-billing cycles At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure at sign up: Important information: When you order your $Credit Report & FREE Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge We hope the above information is helpful to you in considering this matter

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Hello! I just spoke with the bank and they assured me that this issue will be resolvedThank you very much for your assistanceSincerely, [redacted]

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Our records indicate that you ordered a credit report along with a membership on March 6, The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on April 6, 2017, and on or about the 6th of each following month A welcome email notification was sent to the email address you provided at the time of enrollment On December 26, 2017, the paid benefits of the membership were discontinued In response to this complaint, all membership benefits were canceled, effective December 28, 2017.Our website describes the offer and the order form details the terms and conditions of the offer, including billing monthly thereafter unless and until the customer notifies us of their wish to discontinueThe consumer agrees to these terms when submitting their order We have, as a courtesy, issued a refund totaling $on December 28, Please allow - business days for these funds to process to the credit card account.We apologize for any inconvenience our hold times caused you We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSMOur records indicate that you enrolled with Experian Credit TrackerSM on June 17, 2015, and followed by a request to cancel the membership on August 4, A Welcome email notification was sent to the email address you provided at the time of enrollment Customer satisfaction is our priority, as a courtesy we have issued a refund of $on August 4, and $on August 8, Please allow - business days for these funds to process to your credit card account At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence We feel it is important to keep the consumer informed regarding the ordering process Our website displays the following disclosure on our product landing Important Information: When you order your $Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period**, you will be billed $for each month that you continue your membershipYou may cancel your trial membership any time within the trial period without chargeWe strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on April 15, 2015, and followed by a request to cancel the membership on May 4, Email notifications were sent to the email address you provided at the time of enrollment Customer satisfaction is our priority, as a courtesy we have issued a refund of $on May 7, Please allow - business days for these funds to process to your credit card account It is also important to note that this refund should appear on your next credit card statement.At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence We feel it is important to keep the consumer informed regarding the ordering process Our website displays the following disclosure at sign up:IMPORTANT INFORMATION: When you order your $Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without chargeWe strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation