Experian Consumer Services

Thank you for contacting us regarding the Experian Credit TrackerSM account and charges made to your credit card. Experian Credit TrackerSM does offer a $1.00(dollar) 7-day trial membership in a monthly credit monitoring product. Our website describes the offer in detail and the...

order form details the terms and conditions of the offer, including billing at the end of the $1.00(dollar) trial and monthly thereafter unless and until the customer notifies us of their wish to cancel.  This was agreed to when submitting the order.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.Our records indicate that [redacted] [redacted] enrolled with Experian Credit TrackerSM on July 20, 2015. The membership was not cancelled within the $1.00(dollar) 7-day trial period.  Consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $21.95 on July 28, 2015.On July 29, 2015, we received notification to cancel the membership.  As a courtesy, we have issued a refund of $21.95 on August 4, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit Tracker?. Our records indicate that you enrolled with Experian Credit Tracker? on December 31, 2014, and followed by a request to cancel the membership on January 17, 2015. A welcome email notification...

was sent to the email address you provided at the time of enrollment. Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 plus $1.37 sales tax for a total of $23.32 on January 21, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit Tracker?may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up: Important information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We apologize for any misunderstanding or inconvenience.  As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws.  To submit a request under the FCRA via Experian(R), please call ###-###-####.  For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for bringing your concerns to our attention regarding the accounts opened at Freecreditreport.com(R) and CreditReport.comTM.  
Our records indicate that you enrolled with Freecreditreport.com(R) on September 11, 2014, and followed by a request to cancel the membership on September...

23, 2014.  
Additionally, our records indicate that you enrolled with CreditReport.comTM on September 11, 2014, and followed by a request to cancel the membership on September 23, 2014.  
At this time we would like to express our regret that your experience with Freecreditreport.com(R) and CreditReport.comTM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Upon dates of enrollment, the following disclosures were displayed on our website:
IMPORTANT INFORMATION:  When you order your $1 Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.com. If you don't cancel your membership within the 7-day trial period**, you will be billed $17.99 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Click here to access your free annual credit report available under federal law.
IMPORTANT INFORMATION:  When you order your $1 Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.com. If you don't cancel your membership within the 7-day trial period*, you will be billed $24.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Based upon your request and as a courtesy, we have issued a refund of $17.99 for Freecreditreport.com(R) and $25.95 for CreditReport.com, for a total amount of $43.95 on September 27, 2014.  Please allow 7 – 10 business days for these funds to process to your credit card account.  Please be aware, however, that this refund may not be reflected on your credit card statement for 1 – 2 billing cycles.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on June 27, 2015, and followed by a request to cancel the membership on July 15, 2015. A welcome email notification was...

sent to the email address you provided at the time of enrollment.
Customer satisfaction is our priority, as a courtesy we have issued a refund of $21.95 for a total of $21.95 on July 17, 2015. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
Important information:
When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.
Our records indicate that you ordered a one dollar credit report and FICO Score along with a trial membership on September 14, 2016. The membership was not cancelled; consequently, in...

accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on September 23, 2016. A Welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits will cease, effective October 23, 2016. You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you.
Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.
Experian CreditWorksSM offers industry-specific credit scores for an additional charge. These scoring models are tailored to specific types of credit, including mortgage loans, auto loans, and credit cards. While they’re similar to the base FICO(R) Score in many ways, industry-specific scores help lenders with highly refined predictions based on their unique scoring needs.
In reviewing your customer file it appears you purchased and viewed the industry-specific credit scores on September 14, 2016. This product is not included in the trial offer and was advertised on the website for a fee in the amount of $9.95.

We have, as a courtesy, issued a refund of the membership fee in the amount of $21.95 on October 4, 2016. Please Allow 3 - 5 business days for these funds to process to the credit card account.
At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
IMPORTANT INFORMATION
When you order your $1 Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on November 19, 2016.  The membership was not cancelled; consequently, in accordance with...

the published terms of our offer, the credit card provided was charged our monthly membership fee on November 29, 2016, and for each following month. A welcome email notification was sent to the email address you provided at the time of enrollment.  On March 2, 2017, you contacted us and the membership was canceled.  On this date, a refund was issued in the amount of $21.95.Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  We have, as a courtesy, issued an additional refund totaling $65.85 on March 7, 2017.  Please allow 3 - 5 business days for these funds to process to the credit card account.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATIONWhen you order your $1 Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on November 9, 2015, and followed by a request to cancel the membership on July 21, 2016. A Welcome email notification...

was sent to the email address you provided at the time of enrollment. At the time of cancellation, a one month courtesy refund was issued for $21.95, plus sales tax of $1.95, for a total of $ 23.90.
Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $175.60, plus sales tax of $15.60, for a total of $ 191.20 on July 26, 2016. Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
Important Information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period**, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership any time within the trial period without charge.
The following disclosure is also displayed on the order form, in close proximity to where your credit card information is entered:
PAYMENT INFORMATION
When you order your $1 Credit Report and FICO Score here, you will begin your 7-day trial membership in Experian Credit TrackerSM. You may cancel your trial membership at any time within 7 days without charge. If you decide not to cancel, your membership will continue and you will be billed for just $21.95 plus $1.95 sales tax for a total of $23.90/month for each month that you continue your membership. You may cancel your membership and stop the monthly billing by contacting us at any time; however you will not be eligible for a pro-rated refund of your current month's paid membership fee.
We apologize for any misunderstanding or inconvenience. As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws. To submit a request under the FCRA via Experian, please call 1-888-397-3742. For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
However, ConsumerInfo.com(R) is not a credit bureau, and our online credit reports are premium products requiring the applicable fee listed on each respective order form.
We appreciate the time you took to send us your comments and suggestions. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on July 26, 2016.  Our records also indicate that you purchased a 3-bureau credit report...

and scores for $39.95 on this date.  The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on August 3, 2016 and September 3, 2016. A welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits will cease, effective October 2, 2016. You will continue to have access to your Experian(R) credit report and FICO(R)Score once every 30 days at no charge to you. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  Customer satisfaction is our priority.  As a courtesy we issued a refund in the amount of $21.95 on September 8, 2016.  Additional refunds in the amounts of $21.95 and $39.95 were issued on September 13, 2016.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on August 25, 2014, and followed by a request to cancel the membership on September 25, 2014. 
Our records...

indicate that as of September 29, 2014, your Visa card has accepted your fees, an amount totaling $14.95. We are therefore unable to refund the monies directly to you, as your Visa card has received the refund for your bank account.  Please contact your Visa card for more details regarding this matter.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  The below disclosure is displayed on the main page:
IMPORTANT INFORMATION:
When you order your $1 Credit Report & FREE Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We apologize for any misunderstanding or inconvenience. As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws. To submit a request under the FCRA via Experian, please call ###-###-####.  For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM.  Our records indicate that you ordered a one dollar credit report along with a trial membership on September 8, 2016.  The membership was not cancelled; consequently, in accordance with...

the published terms of our offer, the credit card provided was charged our monthly membership fee on September 17, 2016.  A Welcome email notification was sent to the email address you provided at the time of enrollment. Per your request, your paid benefits will cease, effective October 16, 2016.  You will continue to have access to your Experian(R) credit report and FICO(R) Score once every 30 days, at no charge to you. Our website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinue. The consumer agrees to these terms when submitting their order.  We have, as a courtesy, issued a refund totaling $24.99 ($22.95 plus $2.04 tax) on September 22, 2016.  Please Allow 3 - 5 business days for these funds to process to the credit card account.At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:IMPORTANT INFORMATION When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.We apologize for any misunderstanding or inconvenience.  As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependent on certain requirements, or under the FACTA laws.  To submit a request under the FCRA via Experian(R), please call 1-888-397-3742.  For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on February 11, 2016, and followed by a request to cancel the membership on March 12, 2016. A Welcome email notification...

was sent to the email address you provided at the time of enrollment.
Our records indicate that as of February 19, 2016, your bank has accepted the fees, an amount totaling $21.95. We are therefore unable to refund the monies directly to you, as your bank has received the refund for you. Please contact your bank for more details regarding this matter.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering process. Our website displays the following disclosure on our product landing page:
Important information:
When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
We apologize for any misunderstanding or inconvenience. As a consumer you are indeed entitled to receive a free individual credit report from the credit reporting companies under the Fair Credit Reporting Act, dependant on certain requirements, or under the FACTA laws. To submit a request under the FCRA via Experian, please call 1-888-397-3742. For reports requested under the auspices of FACTA, please go to www.annualcreditreport.com.
However, ConsumerInfo.com is not a credit bureau, and our online credit reports are premium products requiring the applicable fee listed on each respective order form.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing and expressing your concern regarding your membership with Freecreditreport.com(R).Our records indicate that you enrolled with Freecreditreport.com(R) on January 2, 2015, and followed by a request to cancel the membership on January 16, 2015. A welcome email notification was...

sent to the email address you provided at the time of enrollment.Customer satisfaction is our priority, as a courtesy we have issued a refund of $14.99 on January 17, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account.  It is also important to note that this refund should appear on your next credit card statement.At this time we would like to express our regret that your experience with Freecreditreport.com(R) may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure at sign up:*IMPORTANT INFORMATION When you order your $1 Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.com. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.99 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Click here to access your free annual credit report available under federal law.We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers such as you that we are able to improve our products and memberships.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Thank you for writing andexpressing your concern regarding your membership with Experian CreditTrackerSMOur records indicate thatyou enrolled with Experian Credit TrackerSM on June 5, 2015, and followed by arequest to cancel the membership on July 17, 2015. At the time of cancellation,a one month...

courtesy refund was issued for $21.95 to the credit card on file.Customer satisfaction is ourpriority, as a courtesy we have issued an additional refund of $21.95 on August6, 2015. Please allow 3 - 5 business days for these funds to process to yourcredit card account.  It is alsoimportant to note that this refund should appear on your next credit cardstatement.At this time we would liketo express our regret that your experience with Experian Credit TrackerSM maynot have met your expectation or our standard of excellence.  We feel it is important to keep the consumerinformed regarding the ordering process. Our website displays the following disclosure on our product landingpage:IMPORTANT INFORMATION:When you order your $1 Credit Report & FICO® Score, youwill begin your 7-day trial membership in Experian Credit TrackerSM.If you don't cancel your membership within the 7-day trial period*, you will bebilled $21.95 for each month that you continue your membership. You may cancelyour trial membership anytime within the trial period without charge.We appreciate the time youtook to send us your comments and suggestions. We value the input from our customers, and assure you we will giveserious consideration to the issues you presented to us.  It is through information provided bycustomers such as you that we are able to improve our products and memberships.We strive for exceptionalcustomer satisfaction and hope we have addressed your area of concern to yourexpectation.

Thank you for writing and expressing your concern regarding your membership with Freecreditreport.com(R).
Our records indicate that you enrolled with Freecreditreport.com(R) on September 9, 2014.The membership was not cancelled; consequently, in accordance with the published terms of our offer,...

the credit card provided was charged the monthly membership fee on September 16, 2014.You contacted us on September 17, 2014, and your membership was canceled.
 
Customer satisfaction is our priority, so as a courtesy, we have issued a refund of the monthly membership fee, an amount of $17.99 plus $1.12 tax, for a total of $19.11. Please allow 7-10 business days for these funds to process to your card account. Please be aware, however, that this refund may not be reflected on your card statement for 1-2 billing cycles.
At this time we would like to express our regret that your experience with Freecreditreport.com(R) may not have met your expectation or our standard of excellence. Our website describes the offer in detail and the order form details the terms and conditions of the offer, including billing upon completion of the trial and each month thereafter unless and until you notify us of your wish to cancel. Customers agree to these terms when submitting their order.
 
Our website provides information of the terms of the membership, including the following disclosure: 
*IMPORTANT INFORMATION
When you order your $1 Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.com. If you don't cancel your membership within the 7-day trial period**, you will be billed $17.99 plus $.12 sales tax for a total of $19.11 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
In response to your specific concerns regarding membership cancellation, we provide the procedure on how to cancel a membership on our website.  The “Contact Us” link provides instruction on how to cancel a membership and provides the following methods on how to reach us: 
Call Us
Contact us toll-free at ###-###-####.
For your convenience, our Call Center is open:
Monday-Friday from 6 a.m. to 6 p.m.,
Saturday-Sunday 8 a.m. to 5 p.m. (Pacific Time)
MAIL
Please send any correspondence to:
ConsumerInfo.com
Attn: Customer Care
[redacted]
E-MAIL
[email protected]
 
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectations.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Experian claims that I knowingly enrolled in its 'service', which is not the case.  Said differently, without my knowledge I was enrolled in a monthly 'service' by Experian while accessing my right to a free credit report.  I strongly believe that Experian employs a deceptive business practice when a consumer attempts to pull his/her credit report by obfuscating the fact that they sign the customer up for a 'service' without the customer's knowledge.  Furthermore, I have no record of ever receiving correspondence from them [email or otherwise], indicating that I signed up for the service in question, nor have I any record of received any correspondence from them alerting me to the fact that I was being charged for this service.  I believe that their business model intends on deceptively enrolling consumers and then never communicating with those consumers going forward in an ongoing or clear way to explain that the consumer has and is being charged for the service in question.  Lastly, a simple [redacted] reveals that I am not alone in falling victim to this scam...as this [redacted] reports that more than 11,000 others have as well.[redacted] I am seeking a full refund for the fees deceptively charged to my credit card without my knowledge.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The fact that this business which monitors credit reports allows a person with a completely different name than the card holder to open an account - complimentary or otherwise is deplorable.  A female with a completely different name is allowed to open an account using an obviously unrelated person's credit card simply allows the perpetuation of credit card fraud.  The very thing they pride themselves on exposing!
 
The fact that this company protects the criminal make their actions incriminating and they should voluntarily give the information to the police.  
They only provided the female's first name [redacted] and last name initial **  The commonality of the name leaves it almost impossible to deduce who the thief was.
 
The fact that their response to the Revdex.com is answered with lies further implicates this company.  Their supervisor [redacted] clearly told me that the account was cancelled but the previous charges would have to be refuted through my credit card company.  The refund was issued 5 business days later and not until the Revdex.com complaint was received. Disregarding the truth in order to present a better image is outrageous.  
 
Only when they give the information to the authorities and see that this person is held accountable will their response be acceptable.
 
Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM.
Our records indicate that you enrolled with Experian Credit TrackerSM on July 13, 2014, and followed by a request to cancel the membership on September 12, 2014.
Customer satisfaction is...

our priority, as a courtesy we have issued a refund of $29.90 on September 24, 2014.  Please allow 7-10 business days for these funds to process to your credit card account.  It is also important to note that this refund may not be reflected on your credit card statement for 1-2 billing cycles.
At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  The below disclosure is displayed on the main page:
IMPORTANT INFORMATION: When you order your $1 Credit Report & FREE Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. 
We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers such as you that we are able to improve our products and memberships.
We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I clearly stated in my complaint that I attempted to view my Experian credit report via annualcreditreport.com and yet the response from the Business is that I should go to that website to get my free credit report.
In the response, they state that they are NOT the same as the credit bureau. So does this mean that they only provide tools to customers who want to view their own credit score and report? When a bank pulls my credit from a loan, is this the same group that provides my credit information to the bank or does it go directly to the bureau?
If they are not the same as the actual bureau, why isn't this distinction clearly stated on their website? If they are going by the name Experian.com, I am under the impression that I am contacting the actual credit bureau Experian.
Also, they state that their job is to provide me with a tool to view my credit, but I am unable to use this tool because it states that it can't verify my identity. They have not giving me an answer as to why it's failing to verify my identity. They also did not answer the question that I had regarding a potential lender who wants to view my credit. If I can't access my report, does that mean that any potential lender also can not view my report? If so, this means that I could be denied credit.
In short, their response did not address my concerns.
Regards,
[redacted]

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSM. Our records indicate that you enrolled with Experian Credit TrackerSM on May 1, 2015, and followed by a request to cancel the membership on June 27, 2015. At the time of cancellation, a one...

month courtesy refund was issued for $21.95 to the credit card on file. We do not have any record of you requesting cancellation prior to being charged for the membership fee. Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $21.95 to the card on file on June 30, 2015.  Please allow 3 - 5 business days for these funds to process to your credit card account. It is also important to note that this refund should appear on your next credit card statement. At this time we would like to express our regret that your experience with Experian Credit TrackerSM may not have met your expectation or our standard of excellence.  We feel it is important to keep the consumer informed regarding the ordering process.  Our website displays the following disclosure on our product landing page: IMPORTANT INFORMATION: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. We appreciate the time you took to send us your comments and suggestions.  We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us.  It is through information provided by customers such as you that we are able to improve our products and memberships. We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation.