Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a promotion from Experian in XX/XX/XXXX via email and accepted the offer at the time. I paid a one-time fee to receive services for the annual year of XXXX that I never received. As a result of already having a credit monitoring service ( Discovercard ) of whom I have a trusted 30-year relationship with, and receive monthly digital reports, quarterly reports and hard copy quarterly reports via USPS, I determined in XXXX I did not need any further monitoring services like Experian. As I was preparing my XXXX quarterly tax reports, I discovered a charge of {$24.00} monthly since XX/XX/XXXX from Experian. I contacted them and learned that : XXXX ) They have been charging my bank automatically, without my permission the amount of {$24.00} since XX/XX/XXXX. 

2 ) I had not received any services or notifications from Experian via email or USPS mail EVER for these charges. 

3 ) I never received any service support, company communications, or personal reports that would alert me of our relationship. Nothing. 

4 ) When I contacted Experian regarding these charges, they agreed to cancel my account immediately but would not credit or refund the {$140.00} they fraudulently charged my bank account without my permission or acceptance. 

5 ) Instead, Experian advised me to contact my bank to reconcile this dispute. 

6 ) Further, they disregarded my concerns that my personal data had been compromised and this was instead, a security issue as I have had no interaction with their web services since XX/XX/XXXX as is easily documented from user tracking. 

7 ) This is not only about a refund of {$140.00}. This is about false promotional advertising that takes advantage of consumer 's engagement to learn more information about them, and in doing so-provides Experian access to one 's personal and bank information long-term, allowing them to store and leverage that information without permission or approval. 

8 ) This is also about tens of thousands of consumers like me that follow a promotional campaign online, and as a result, a year or years later, discover they have been charged fraudulently for no services delivered or value. Imagine the hundreds of millions of dollars I am trying to point out. 

I am contacting the CFPB for assistance in the investigation of this matter ; and to elevate this to the American consumer as I am sure, when posted, you will receive thousands of similar consumer experiences where, like me, we accept our losses as a bad mistake, while Experian continues to fraudulently mislead and profit from user data. 

I have NEVER charged my clients for services I never delivered. Why can financial service companies get away with this? This must be elevated and stopped and fiduciary penalties and consequences must be pursued, prosecuted and served. Thank you for your attention to this matter. I will look for your response.

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