Experian Consumer Services

Thank you for informing us of your recent experience with [redacted] We understand how upsetting a potential credit card fraud situation can be [redacted] (R), Inc(“CIC”) is an affiliated company of Experian(R), the credit reporting agency, and in that capacity provides consumers with credit monitoring services and internet access to their personal credit reports Our records indicate that multiple complimentary Experian(R) credit scores along with a trial memberships in [redacted] were ordered on March and March 20, utilizing a Visa card with the last four digits ***Since the complimentary trial memberships were not cancelled in accordance with the published terms of our offer, the card provided was charged our monthly membership fees on March and March 29, Additionally, our records show that you contacted CIC on March 31, 2015, and stated that you are the holder of the Visa card, did not open the accounts in question and believed that the orders were fraudulently placed with us by a third party utilizing your Visa cardIn response, CIC cancelled the memberships Since you believe that the orders were 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 April 4, 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 We hope the above information is helpful to you in considering this matter

We are sorry to read of your dissatisfaction with our response. In an effort to outline our final position on the matter, we can advise the following: Please be advised that enrolling in an Experian Credit TrackerSM membership product as you did on March 6, 2015 is not necessary to dispute credit information on your credit file. Although there are many benefits of enrolling in Experian Credit TrackerSM, such as fraud resolution assistance and daily monitoring of you credit file, you have the right to dispute information on your credit file directly with Experian(R) at no charge to you. You are also entitled to a free copy of your credit report once per year and can obtain this report at [redacted] . As a convenience to you, please feel free to give us a call here at ###-###-#### and our agent can transfer you to the [redacted] at Experian(R) for placing your dispute with Experian(R). We do understand and acknowledge your frustration. However, we trust that this explanation has gone some way to clarifying our policies and position on this matter.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Our records indicate that you ordered a one dollar credit report along with a trial membership on September 14, 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 September 22, 2016, and on or about the 22nd of each following monthA welcome email notification was sent to the email address you provided at the time of enrollmentPer your request, your paid benefits will cease, effective February 22, You will continue to have access to your Experian(R) credit report and FICO(R) Score once every days, at no charge to youOn January 31, 2017, a refund was issued in the amount of $21.95.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 order We have, as a courtesy, issued an additional refund totaling $on February 10, Please allow - business days for these funds to process to the credit card account.At 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 INFORMATIONWhen you order your $Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSMIf 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 charge.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 Regards, Thank You

Your FICO(R) Score is calculated based on the data in your credit report at the time you request your credit report and score Items that can affect your credit score with the FICO(R) Score powered by Experian(R) are payment history (35%), amount owed (30%), length of credit history (15%), new credit (10%), and types of credit used (10%) We are unable to provide credit advice; however, you can contact a licensed credit advisor to look over your credit report and explain the differences in your credit scoreTo find out more about your score, we have several articles located at www.experian.com You would need to click on “Education” the “Credit Education” and finally “Score Basics” There are articles there that explain what affects your credit scores, improving your credit score, understanding your credit score and many othersWe 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 January 31, 2015, and followed by a request to cancel the membership on June 14, 2015. 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 $109.75 on June 17, 2015. Please allow 3 - 5 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 on our product landing Important information: When you order your $1 Credit Report & FICO® 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 $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We wish to emphasize that for the duration of the membership we provided a number of benefits available to you at any time through our website, including, but not limited to, unlimited access to your credit report, as well as credit monitoring alerts which were updated daily. 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[redacted] from Experian contacted me within days of the submitted complaintShe was proactive in helping me find a solution, and troubleshooter my account until an answer was foundI should be receiving my refund within 3-business days, and account(s) were cancelledI am thankful to both [redacted] and the Revdex.com for helping me address this issue Regards, [redacted] ***

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 April 13, 2017, and followed by a request to cancel the membership on April 24, A welcome email notification was sent to the email address you provided at the time of enrollmentAt 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 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 April 27, Please allow - business days for these funds to process to the credit card accountWe 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 Our records indicate that you ordered a one dollar credit report along with a trial membership on July 27, 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 August 4, A Welcome email notification was sent to the email address you provided at the time of enrollmentPer your request, your paid benefits will cease, effective September 3, You will continue to have access to your Experian(R) credit report and FICO(R)Score, once every days, at no charge to youOur 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 order We have, as a courtesy, issued a refund totaling $on August 10, Please Allow - business days for these funds to process to the credit card account.At 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® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSMIf 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 charge.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 the billing you have been receivingConsumerInfo.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 reportsOur records indicate you have two free memberships with us One is AAA ProtectMyID(R) and the other is Experian CreditWorksSM BasicOur records also indicate that a complimentary Experian(R) credit report and score, along with a trial membership in Experian Credit TrackerSM, was ordered on February 12, 2017, utilizing a Visa card with the last four digits Since 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 of $on February and on or around the 20th of each subsequent monthAdditionally, our records show that you contacted CIC on March 20, 2018, and stated that you are the holder of the Visa card, did not open the account in question and believed that the order was fraudulently placed with us by a third party utilizing your Visa card The membership had been cancelled on March when your bank collected $on your behalf The bank also collected $for you on March 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 useCustomer satisfaction is our priority, as a courtesy we have issued a refund of $on March 30, 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolutionI cancelled this on OctWhen I realized that they charged me On Dec 7th I called back again to ask why they had taken this after I cancelled this service you had days to cancel that's when the representative said she would make sure it did not come out again so they owe me an additional Regards, [redacted]

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 1, A welcome email notification was sent to the email address you provided at the time of enrollment On July 27, 2016, the benefits of the membership were upgraded and the monthly price increased from $to $ Notifications were sent regarding this change This was followed by a request to cancel the membership on November 13, On this date a refund was issued to you in the amount of $Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $on November 16, 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 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 customer agrees to these terms when submitting their order.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 would recommend to the business, though, that they revised the method in which the terms of the membership are conveyed, so that customers are sufficiently warned that the monthly fees are non-refundable once they are charged, or better yet to implement a grace period wherein customers can cancel their membership if they discover after the fact that they are being charged for a monthly service that they may not have been aware of or understood that they were being enrolled in Regards, [redacted] ***

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 Update: I received the refundThank youHopefully something can be done to stop these unauthorized 3rd parties trying to take advantage of what you're company has to offer Regards, [redacted] ***

Thank you for informing us of your recent experience with Experian Credit TrackerSMOur records indicate that on February 12, you ordered your bureau credit report and FICO® ScoresAt the time you ordered your report, you entered your personal information and credit card numberAfter enrollment the following disclosure is displayed on the bureau credit report order PAYMENT INFORMATION Note: Your credit card will be charged $once your identity has been confirmed and your report is ready to viewIf, for any reason, we are unable to provide you with this report, we will not charge your credit card Please note this transaction is non-refundableOn that same date, you attempted another bureau credit report order, which was cancelled Like many merchants, we run an authorization to check the validity of the card information provided to us before providing services, so it may be that your bank temporarily listed this authorization attempt as a debit It was not a billing, however, and would have dropped off the account automatically within a few daysWe have issued credit for $on February 16, When we issue a credit it can take from - business days for them to post the funds to your accountIt is also important to note that this refund should appear on your next credit card statementWe 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 membershipsWe 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.No, I did NOT opt in to receive emails Due to having this same issue with you in the past I made sure to uncheck the box that asked if I would like to receive emails And to top it off, this should have been handled through your customer service after my first complaint to you and not have had to go through the Revdex.com to get you to comply with my request Regards, [redacted] ***

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 11, 2015, and followed by a request to cancel the membership on June 21, A welcome email notification was sent to the email address you provided at the time of enrollment.We apologize for any inconvenience or misunderstanding, however, our records show that your bank has recovered the fees for you, an amount totaling $23.90, as of June 24, We are therefore unable to refund the monies, as you have already received them back.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 anytime within the trial period without charge.We include a similar disclosure immediately prior to placing the order where we state the following:PAYMENT INFORMATIONWhen you order your $Credit Report and FICO Score here, you will begin your 7-day trial membership in Experian Credit TrackerSMYou may cancel your trial membership at any time within days without chargeIf you decide not to cancel, your membership will continue and you will be billed for just $plus $sales tax for a total of $23.90/month for each month that you continue your membershipYou may cancel your membership and stop the monthly billing by contacting us at any time; however you will not be eligible for a pro-rated refund of your current month's paid membership fee.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 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 CreditWorks™ After reviewing your account our records indicate that Amber Geiser enrolled with Experian CreditWorks™ on December 20, On December 29, Amber Geiser contacted us to cancel the membershipIn accordance with our published refund policy, a refund of $was issued at that time 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 & 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 You have also requested reimbursement of the overdraft feesOur terms and conditions state that we are not responsible for overdraft fees, and warn against using ATM/debit cardsSince your bank has assessed this fee, we recommend that you contact them as it relates to this matter 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 Our records indicate that a complimentary Experian(R) credit report and score, along with a trial membership in Experian Credit TrackerSM, was ordered on September 13, 2015, utilizing a [redacted] with the last four digits ***Since 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 September 21, Additionally, our records show that you contacted CIC on November 22, 2015, stated that you are the holder of the [redacted] and did not open the account in questionIn response, CIC cancelled the membership and issued a refund of $to your [redacted] We apologize for any inconvenience or misunderstandingCustomer satisfaction is our priority, as a courtesy we have issued a refund of the remaining charges, an amount totaling $on November 24, 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 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 We hope the above information is helpful to you in considering this matter

Thank you for bringing your concerns to our attention regarding the accounts opened at Freecreditreport.com(R) and CreditReport.comTM Our records indicate that you enrolled with Freecreditreport.com(R) on September 11, 2014, and followed by a request to cancel the membership on September 23, Additionally, our records indicate that you enrolled with CreditReport.comTM on September 11, 2014, and followed by a request to cancel the membership on September 23, At this time we would like to express our regret that your experience with Freecreditreport.com(R) and CreditReport.comTM 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 Upon dates of enrollment, the following disclosures were displayed on our website: IMPORTANT INFORMATION: When you order your $Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.comIf 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 chargeClick here to access your free annual credit report available under federal law IMPORTANT INFORMATION: When you order your $Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.comIf 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 Based upon your request and as a courtesy, we have issued a refund of $for Freecreditreport.com(R) and $for CreditReport.com, for a total amount of $on September 27, Please allow – business days for these funds to process to your credit card account Please be aware, however, that this refund may not be reflected on your credit card statement for – billing cycles We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation