Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Initial complaint and Request : Experian, XXXX of the XXXX more " credible '' credit bureaus, has been charging my credit card {$14.00} each month beginning in XX/XX/XXXX without my knowledge until I double checked my statements for a specific charge and I noticed this pattern. I went to their website to work on disputing the charges and there way no way to do so, leading me to leave a message due to them requiring my full SSN which I do not feel comfortable providing randomly. And there has never been a " live agent '' when I sign in to directly chat with. Through my credit card company I disputed XXXX charge but I am unsure how much this will do. Ultimately, I never receive their services aside from my yearly free credit report and have not logged into my Experian profile after XXXX of XXXX. Found online that other 's have experienced this as well however receivers of testimonies/disputes have stopped accepting them. I would like the funds I was charged credited back into my account due to the fact that I was charged {$14.00} per month without my knowledge or authorization. Additionally I received no benefits from these charges as my subscription is still based on the " free '' membership parameters which it is classified as. Making it virtually impossible to dispute this charge directly with them along with the charges I was not disclosed of provides enough reason to be refunded what I have lost when it wasn't my financial choice in the first place. 
- XXXX from XX/XX/XXXX Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicated that you did not authorize the referenced charges. As an initial matter, please note that XXXX  XXXX XXXX ( XXXX, also known as Experian XXXX XXXX XXXX ) and its product Experian XXXX XXXX is an affiliated company of Experian, the credit reporting agency. XXXX offers a variety of credit monitoring products that include online access to consumers personal credit reports and scores. Our records indicate that you are currently enrolled in a complimentary membership with Experian XXXX XXXX. Your membership benefits currently include access to your Experian report and XXXX XXXX once every XXXX days, free of charge, as well as monitoring alerts which are updated daily. After conducting a detailed search of our database, we are unable to locate the charges you reference in our systems using the information provided. In order to provide assistance, we are in need of additional information. Please provide us with the following : XXXX. The complete credit or debit card number that was billed XXXX. A bank statement showing the charges from our company Please fax the requested documents to : ( XXXX ) XXXX ATTN : Experian Consumer Affairs XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation