Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: WI
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax has apparently signed me up for a 'ScoreWatch ' service, which I never ordered. I purchased a one-time credit report from them on XX/XX/XXXX, and found that magically I also made a purchase on XX/XX/XXXX for something called 'ScoreWatch ' - which was not actually me. I did n't buy that XXXX. I used to work for a XXXX XXXX XXXX company that sold that XXXX, and know it 's not useful and a waste of money. I would never buy that. That purchase shows a cancel date of XX/XX/XXXX - so it seems they billed me for it for a month then cancelled it automatically, to get that extra payment from me. I 've had issues with these people before, where they kept autorenewing a cancelled product purchase, and not actually cancelling my order after calling in to cancel it and being told it was cancelled. Now I just called in to ask them to cancel this current scam, 'ScoreWatch ' ( even though it shows as cancelled, I wanted to make sure ) - and the guy tells me 'due to technical difficulties, we cant help you at this time. Please call back in two to three hours '. I said " ok ... .but '', and he says " its just due to technical difficulties. please call back ''.
Technical difficulties my XXXX. It 's a tactic to generate what the industry calls 'breakage ' - people forget about their coverage/policy, so they continue to collect premiums/revenue with no actual cost or risk to them. By the way, the guy I spoke with I got to through their menu options specifically for 'cancel a paid equifax product ' - if their system was actually down for technical reasons, they would have worked with the telecom system to instruct callers to call back - unless their call center is playing games to make their service levels look great ( 100 % of calls answered within 60 seconds! Because they are basically answering then telling people to hang up and call back .... ). Equifax is a sketch company, and they need to fix their practices. I 'm glad you had that settlement with them recently for deceptive practices in regards to score costs. They deceived me, multiple times. I wish that I would be refunded some of that settlement money. They need to be hit in the pocket book for anything to matter to them, I know how compliance departments work at these companies. They dont give a XXXX about compliance, except in as much as it risks their bottom line. Equifax Complete Premier PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax Credit File XX/XX/XXXX XXXX XX/XX/XXXX Equifax Complete Family Plan XX/XX/XXXX XXXX Details XX/XX/XXXXEquifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax Complete Advantage PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax 3-Bureau Credit Report and ScoresXX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation