Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Just a few hours ago, I submitted a complaint against XXXX. Now I am submitting a CFPB complaint for the SAME MATTER against Experian. 
It is not a secret that " Forty lawsuits against Experian were consolidated in the U.S. District Court ". 
HERE are THE NEW TRENDS which prevent consumers like myself to see and correct their Experian credit reports for the same purpose like does XXXX. 
1 ) Experian is obliged by a Judge to provide a free credit reports and scores. While Experian is allowing consumers to do so, they PROVIDE a free OUTDATED credit REPORTS since 14 mounts  ago. Today I signed in to see my report, and it had numerous errors with outdated Credit Score and  data. 
2 ) Experian is pushing consumers to 'upgrade to 3-1 Credit reports with Scores for {$5.00}. This is why Experian, likewise XXXX, does provide outdated reports so they can get the free consumers ' membership money especially when a consumer is unhappy and cancels the service. And why one consumer would be happy with Experian?. Upon sign in a membership, a consumer is facing a freeze/ a BLOCKAGE OF THE SYTEM WTIH THE MESSAGE " SOMETHING WENT WRONG, CALL LATER ''. In other words, the system after payment of a membership remains blocked and the consumer will be unable to FIX/look/dispute errors in their undated reports. Who has interest of that? Experian ... for sure!!! The same happened to me. I paid my {$5.00} membership, and was PREVENTED OF SEEING MY updated 3-1 CREDIT SCORES/ANY DETAILS at the REPORTS FOR EXPERIAN & EXXXX & XXXX. So, what was the point of paying Experian? There is no point, really, except making FREE MONEY for Experian, which intentionally blocked me/prevented me to see my most recent credit report. 
3 ) Experian customer service " Live '' is unreachable. Thus, their telephone system is ASKING FOR SOCIAL SECURITY NUMBER IN ORDER a PHONE INQUIRY TO BE PROCESSED. I found this fact appalling and a breach of security ( how I can be sure this is an Experian phone, as automated voice was asking me for my SS #? ). Thus, I succeeded, called and spoke with XXXX, customer service, who told me he could see my most current credit report, and I asked him HOW IT COMES THAT I CAN NOT SEE IT BUT HE CAN ONLY SEE IT? HE SAID I MUST WAIT TWO HOURS AND MAY BE THE SYSTEM 'LL BE FIXED! I replied I DID NOT PAY a membership so I'll WAIT FOR TWO HOURS, I WANT MY REPORT NOW. I requested a refund of my {$5.00}. XXXX originally told me 'WE DO NOT ISSUE REFUNDS '' AND I OBJECTED STATING I AM VERY UNSATISFIED OF EXPERIAN . After 'back and forth ' conversation, XXXX agreed to refund the money after 3-5 business day. THIS IS HOW THEY, EXPERIAN AND XXXX MAKE THEIR FREE MONEY - THEY PAY NO TAX TO IRS, AS PLAYING WITH CONSUMERS ' REFUNDS FOR 3-5 DAY AND IMMAGINE THIS MONEY IS DEPOSITED IN an EXPERIAN BANK ACCOUNT - millions of canceled accounts 'd make millions of $ $ $ $ $ $ $ $ for Experian, without paying interests to consumers, but generating a free money in INTERESTS FOR EXPERIAN AND XXXX!!! ALL DUE TO SUCH 'SMART SCAMMING AND FRAUD ''! 

p.s. below is a copy of the Experian Scamming membership actions, NONE CAN BE REACHED BY CONSUMERS! 

Your Order Summary Experian CreditWorks Premium $ XXXX/first month Monthly 3-Bureau Report & FICO Scores 3-Bureau Credit Monitoring and Alerts Daily Experian Credit Report & FICO Scores Experian CreditLock with Alerts FICO Score Tracker Identity Protection and Alerts Up to {$1.00}  XXXX Identity Theft Insurance * Dedicated Fraud Resolution Support Lost Wallet Assistance Sales Tax {$0.00} Order Total {$5.00}

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