Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (SC).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: Third theft of credit card/debit card by someone, I have ID theft file and this is Experian who has charged for a credit report membership I never enrolled in. I am XXXX, was sick over a week and was just able to use computer today, XXXX XXXX. I printed one statement and saw XXXX charge, called number and instead of settling a refund for me, I have to have bank dispute it, they were laughing on the phone like it's a joke when I have XXXX XXXX and EXPERIAN is supposed to protect me from these type of internet fraudulent charges. Instead she, XXXX, gave me a case # and said to have bank dispute it. I have to cancel my card, inconvenience to get to bank by XXXXXXXX XXXX. Saturday and I just had a person total our car over a month ago, ( which is costing me money and will submit a complaint about that tomorrow between XXXX/XXXX if I do not get discount refund ). 

Experian Credit Bureau I told XXXX about id theft, I get free report and would know better than to join a membership. I am extremely tired from all of the trial websites, and never getting full refunds FOR SOMETHING I NEVER DID, SO I WILL HAVE TO GO TO BANK TOMORROW, CANCEL CARD, REDO AUTO PAY FOR OTHER BILLS, AND I HAVE TO WAIT FOR BANK TO DISPUTE A 3rd FRAUDULENT CHARGE TO GET REFUND FOR THIS. THE FIRST TWO WERE FULLY REFUNDED TO ME, I appreciate the bank 's disputing charges, BUT IT SHOULDN'T HAVE TO GO THROUGH A OBVIOUSLY FRAUDULENT AND UNVERIFIED CHARGE OF THIS FROM A CREDIT BUREAU THAT I AM STARTING TO FEEL UNCOMFORTABLE WITH THEM TOO! I USE TO CARE ABOUT CREDIT SCORE, NOW I FEEL LIKE IT'S USED TO COST EVERYONE EXTRA PROTECTION AND UNAFFORDABLE FEES AS A WAY TO STRESS OUT PEOPLE TO PAY BILLS. I WORKED XXXX HARD FROM A TEEN, ALWAYS EXCELLENT CREDIT, EVEN PAID 10 YRS HELOC ( XXXX ) FOR MY MOM FROM XXXX INTEREST, THEN PRINCIPLE WITH XXXXXXXX XXXX, PAID IN FULL XXXX, NEVER LATE ONCE AND FIRST/ONLY TIME RELOCATING, I SUDDENLY HAVE NO CREDIT AND/OR SCORE GOING DOWN. NOBODY DOES THEIR JOB WITH ETHICAL STANDARDS ANY LONGER AND " PROFESSIONAL SERVICES '' RIP OFF PEOPLE LIKE ME WHO HAVE HAD 40YRS OF HARD WORK AND DEDICATION, EXCELLENT CREDIT TO BE DESTROYED FOR NO JUSTIFIABLY REASONS EXCEPT ONE RICH FAMILY MEMBER STEALS EVERYTHING FROM ME AND GETS AWAY WITH IT. THE SYSTEM STARTING TO FEEL MORE AND MORE LIKE IT'S FOR THE CROOKS NOT THE CARING HONEST PEOPLE. IT IS NOT A GOOD FEELING. I HAVE NO RESPECT FOR A SYSTEM THAT HAS FAILED ME ON SO MANY LEVELS. I DON'T CARE ABOUT CREDIT SCORE ANYMORE AND I HAVE NEVER BEEN SO DISGUSTED WITH THE ENTIRE JUSTICE SYSTEM AS I ONCE FELT SAFE, NOW ONLY REALIZE THAT I CAN NOT DEPEND OR TRUST THEM. SO MUCH FOR BEING " UNITED '' IN THE UNITED STATES OF AMERICA. I HAVE LOST HOPE COMPLETELY. I SUGGEST PEOPLE TO START A PETITION FOR THE INTEREST RATES ON CREDIT CARDS AND ALL THE BOYCOTT ALL COMPANIES THAT HELP YOU " OUT of Debt '', then charge you double. Cut up credit cards for good and buy only if you can with cash!! 

CHARGES ARE AS FOLLOWS XXXX XXXX XX/XX/XXXX XXXX = {$1.00} XXXX = {$14.00} XXXX= {$21.00} XXXX = {$21.00} XXXX = {$21.00} XXXX= {$21.00} XXXX = {$21.00} OWES ME {$120.00} AND I WILL HAVE TO WAIT FOR 14 BUSINESS DAYS OF COURSE, MAYBE MORE. NICE SYSTEM WE HAVE. I AM GOING TO REPORT ON MY ID THEFT WITH FTC ABOUT CREDIT BUREAU

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 monetary relief