Experian Consumer Services

Thank you for informing us of your recent experience with Experian Credit TrackerSMWe understand how upsetting a potential credit card fraud situation can be [redacted] Inc(“***”) 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 $(dollar) Experian(R) credit report and score, along with a trial membership in Experian Credit TrackerSM, was ordered on October 13, 2014, utilizing a [redacted] card with the last four digits Since the 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 20, Additionally, our records show that you contacted [redacted] on June 24, 2015, and stated that you are the holder of the [redacted] card, did not open the account in question and believed that the order was fraudulently placed with us by a third party utilizing your [redacted] cardIn response, [redacted] cancelled the membershipAs a courtesy, a refund of $was issued to your [redacted] card on July 2, 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(R) 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 on the date of subscription was $ Customer satisfaction is our priority, as a courtesy we have issued a refund of $on September 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 Unfortunately, we cannot delete your information from our customer database because we are legally obliged to retain records documenting that the credit reports we request from the credit bureaus were pulled with permissible purpose under the Fair Credit Reporting ActOf course, as we realize the sensitive nature of this information, we maintain this data with great care for security and respect for our customer's privacy 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 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 CreditReport.comTM.Our records indicate that you enrolled with CreditReport.comTM on November 4, 2014, and on April 19, 2015, your membership with CreditReport.comTM was upgraded to Experian Credit TrackerSMA welcome email notification was sent to the email address you provided at the time of enrollment.Our records also indicate that we received a request to cancel the membership on March 13, At time of cancellation, a one month courtesy refund was processed in the amount of $29.95.Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $on April 27, 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 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 $29.95.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 Credit TrackerSM Our records indicate that you enrolled with Experian Credit TrackerSM on September 17, 2014, and followed by a request to cancel the membership on September 25, 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 processUpon date of enrollment, the following disclosure was displayed on our website: Important information: When you order your $Credit Report & FREE 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 We appreciate the time he took to send us his comments and suggestionsWe value the input from our customers; it 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 [redacted] (R)Our records indicate that you enrolled with [redacted] (R) on March 4, 2015, and followed by a request to cancel the membership on March 11, We do not have any record of you requesting cancellation prior to being charged for the membership feeBased upon this complaint, we have issued a refund of $plus $sales tax for a total of $on March 27, 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 [redacted] (R) 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 and FREE Score here, you will begin your 7-day trial membership in [redacted] 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 chargeClick here to access your free annual credit report available under federal law.We apologize for any inconvenience or misunderstandingWe 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 January 25, On this date a three bureau credit report and scores was also purchased 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 February 3, 2017, and March 3, 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 April 3, You will continue to have access to your Experian(R) credit report and FICO(R) Score once every days, at no charge to youOn March 15, 2017, a refund was issued in the amount of $ 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 March 16, 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

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 2, 2015, and followed by a request to cancel the membership on March 17, 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 $sales tax for a total of $on March 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 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 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 & FICO(R) 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 chargeClick Here to get your free annual credit report available under federal law 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 credit report and score We realize that you may see a discrepancy in the score you receive from a lender related to your credit application and the score provided as part of a membershipWe try to make it a point that our customers are aware that various scoring models are available in the marketplace and have different potential uses For instance, we include a disclosure on our site describing the score provided with our credit monitoring membershipsFurther, certain industries may use custom credit scores that are tailored to their specific needsThe custom scores may be unique to a specific industry, such as mortgage lending or auto lendingThese custom scores may be created based on information found in credit reports together with other information from the lender’s own portfolio, such as account history The credit 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 reportDifferences 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 a new account or inquiriesEven 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 information Credit bureaus maintain separate records of consumer’s informationIn order to dispute possible inaccuracies on their credit file consumers must direct their requests to each individual credit bureauUnder the Fair Credit Reporting Act (FCRA), you have the right to dispute the completeness and accuracy of the information in your credit fileFor a summary of your FCRA rights, please visit [redacted] Listed below is the dispute contact information for the three national credit bureaus: [redacted] , [redacted] and [redacted] Experian: Online Dispute: [redacted] Telephone: ###-###-#### [redacted] : Online Dispute: [redacted] Disputes via U.Spostal mail: [redacted] Telephone: ###-###-#### [redacted] : Online Dispute: [redacted] Disputes via U.Spostal mail: [redacted] Consumer Solutions [redacted] Telephone: ###-###-#### When you contact the appropriate credit bureau to dispute information on your credit report, be prepared to state the facts and explain why you are disputing the information, be able to supply the relevant account numbers and copies of any supporting documentation, and request the deletion or correction of the information you feel is inaccurate The FCRA mandates that the credit bureau with which you placed the dispute must respond to your dispute by contacting the source of the information and initiating an investigationThe credit bureau will ask the company or creditor (where possible) to check their records to verify the disputed informationWithin days, the company or creditor must respond to the credit bureau’s investigationThe creditor or company may verify the account item as accurate, or they may ask the credit bureau to update or correct the itemUpon conclusion, the credit bureau will contact you with the results of the investigation For more information regarding credit scores, please visit the Experian website at [redacted] [redacted] , Incoffers a variety of credit monitoring products that include online access to consumers’ personal credit reports and scoresTo view available products please visit: [redacted] We would also like to let you know that you have the right to receive a free copy of your credit report once every months from each of the three nationwide credit report agenciesTo request your free annual report under that law, you should visit annualcreditreport.com I hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with freecreditscore.comTM Our records indicate that you enrolled with freecreditscore.comTM on February 3, 2014, and followed by a request to cancel the membership on September 16, A welcome email notification was sent to the email address you provided at the time of enrollment At the time of cancellation, a one month courtesy refund was issued for $ Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $on September 25, 2014, to your card on file making your total refund $ 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 At this time we would like to express our regret that your experience with freecreditscore.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 date of enrollment, the following disclosure was displayed on our website: IMPORTANT INFORMATION When you order your free credit score here, you will begin your 7-day trial membership in FreeCreditScore.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 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 hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with CreditReport.comTM Our records indicate that you enrolled with CreditReport.comTM on March 26, 2015, and followed by a request to cancel the membership on June 15, At the time of cancellation, a one month courtesy refund was issued for $to the credit card on file On April 19, your membership with CreditReport.comTM was upgraded to Experian Credit TrackerSMEmail 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 an additional refund of $on July 20, 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 and FICO® Scores here, 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 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 writing and expressing your concern regarding Experian CreditWorksSM Our records indicate that a one dollar credit report along with a trial membership was ordered on June 29, 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 July 8, 2016, and on or around the 8th of each following month A welcome email notification was sent to the email address provided at the time of enrollment On July 10, 2017, you contacted us and the membership was canceled We apologize for any misunderstanding or inconvenience; however, we do not have a record of cancellation prior to this dateOur 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 July 20, 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, [redacted] ***

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 25, A welcome email notification was sent to the email address you provided at the time of enrollmentOn September 29, 2017, you contacted us and the paid benefits were discontinued In response to this complaint, all membership benefits were canceled, effective October 1, We have, as a courtesy, issued a refund totaling $on October 1, 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

Thank you for sending in your concern We comply with our privacy policy posted on online on our website At the time of your order you opted in to receive emailsWe have gone ahead and opted you out so that you will no longer receive emails from our companyThank you for your understanding in this matter

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 September 30, 2014, and followed by a request to cancel the membership on August 11, A Welcome email notification was sent to the email address you provided at the time of enrollmentCustomer satisfaction is our priority, as a courtesy we have issued a refund of $on August 11, and $on August 12, 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 TrackerSM If you don't cancel your membership within the 7-day trial period**, you will be billed $for each month that you continue your membership You may cancel your trial membership any time within the trial period without chargePlease be advised that the price of your membership was $when you enrolled and increased to $effective August 3, 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Submitted paperwork, i.ebank statements on Saturday 01/18/via fax Have not heard anything yet Regards, [redacted] ***

Thank you for writing and expressing your concern regarding your membership with CreditReport.comTM Our records indicate that you enrolled with CreditReport.comTM on December 19, 2012, and followed by a request to cancel the membership on November 5, As a courtesy, we have issued a refund of months of the monthly membership fees for a total of $Please allow – business days for these funds to process to your credit card accountPlease be aware, however, that this refund may not be reflected on your credit card statement for – billing cycles At this time we would like to express our regret that your experience with CreditReport.comTM 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 Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.comTMIf 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

Thank you for writing and expressing your concern regarding your membership with FreeCreditReport.com(R).Our records indicate that you ordered a $credit report along with trial membership The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly fee We received notification from you to cancel the membership on February 11, 2015.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 cancel The consumer agrees to these terms when submitting their orderWe have, as a courtesy, issued a refund of the monthly fee on February 11, Please Allow 3-business days for these funds, an amount totaling $19.95, to process to the credit card account (It is also important to note that this refund should appear on your next credit card statement.)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 the opportunity to address your concerns [redacted] (R), Inc., via its website [redacted] is an affiliate of Experian(R) that provides credit monitoring and internet access to the customer’s personal credit reportsWe assist the customer in accessing their credit report online and answer questions regarding our products [redacted] (R) and [redacted] are not affiliated with the annual free credit report programUnder a new Federal law, you have the right to receive a free copy of your credit report once every months from each of the three nationwide consumer reporting companiesTo request your free annual report under that law, you must go to www.annualcreditreport.com.” We apologize for any inconvenience or misunderstanding; however, we are not Experian(R) the credit bureau Thank you for your understanding in 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 14, 2015, and followed by a request to cancel the membership on January 22, 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 $sales tax for a total of $on January 23, Please allow 3-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 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.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 you initially enrolled with CreditCheck(R) Total on October 29, 2015, and followed by a request to cancel the membership on February 10, Our records additionally indicate that you repeatedly enrolled and cancelled several more times in the subsequent months.We apologize for any misunderstanding, however, the benefits package that includes three bureau credit reports and scores is not available at this time due to a change in our product offering Customer satisfaction is our priority, as a courtesy we have issued a refund of the charges that you incurred during your recent trial periods on our site, an amount of $2.00, on June 23, 2016.At this time we would like to express our regret that your experience with CreditCheck(R) Total may not have met your expectation or our standard of excellence 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 hope the above information is helpful to you in considering this matter