Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX Re : Experian Credit Reporting address : XXXX XXXX XXXX, XXXX TX XXXX Good day. my name is XXXX XXXX XXXX and I writing this from XXXX, CA. I want to report bad business practices/Scamming business practices involving from Experian as of the XX/XX/XXXX. On XX/XX/XXXX I went to access my credit report and FICO score from Experian.com. for {$19.00}. I first used an ATM Debt Card and then A credit card. They were both denied apparently because of a security issue that I did n't know about. Currently there is a pending charge of {$19.00} on my visa card which has been cancelled.Because I felt that Experian in the past was a reliable credit reporting agency I gave them the benefit of the doubt and allowed them to reset the User Profile and tried to reorder another credit report and score for {$19.00} After 24 hours I did log back in with a new username, Password and entered new payment information. I did manage to obtain a credit report and score for {$19.00} but had to be careful on clicking on the wrong hyperlinks in order to get charged for a product ( s ) that I did not want. As of now there is a pending charge of {$19.00} on my other visa credit card and that 's it. Then I spoke to a XXXX from Customer Service. I asked where is the invoice for the purchase for the {$19.00} that I had purchased today? which you would normally get from your email from the reporting agency? The answer he gave me is that I did not enroll in a recurring subscription plan I found this to be very suspicious because any time you make a purchase on the internet I believe by law the merchant is required to furnish you a receipt and no exceptions. XXXX furthermore said that because I am enrolled in freecreditreport.com I am entitled to a free credit report every 30 days but would have to log into XXXX to obtain. I never did enroll in this program and feel that Experian used my personal information to enroll me into a program that I did n't authorize. Furthermore in investigating this I found that this is not true. When you log into this website, without a terms of agreement, you automatically are enrolled in a credit monitoring service for {$39.00} monthly until you cancel. Furthermore if you cancel in the middle of the month you are not refunded any monies but charged out {$39.00} for that month and these monies are NON REFUNDABLE. I am very upset how Experian has been transformed over the last 2 years. I did write a letter to their corporate address and filed a major complaint and initially did ask for a reset user link when I was having difficulties setting up a new account. I also am in the process of forwarding my complaint to the following agencies : BBB of XXXX XXXX Texas**, Attorney general of XXXX XXXX Texas** and finally this agency the CFPB and need this information to be passed to other consumers so that they can avoid Experian altogether. I was going to get charge backs on all the purchases from XX/XX/XXXX according to customer service. ** Always get a Terms of agreement when getting a credit tool, and a receipt when purchasing a credit report/score for sure. **

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