Experian Consumer Services

Thank you for writing and expressing your concern regarding our website, FreeCreditReport.com(R) Our records indicate that you requested a copy of your credit report with FreeCreditReport.com(R) on March 18, On the same date, our records show that a FICO(R) Score was also orderedThis order is not included in the free report offer and begins a $(dollar) 7-day trial in Experian CreditWorksTMOur 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 $(dollar) trial and monthly thereafter unless and until the customer notifies us of their wish to cancelThis was agreed to when submitting the order, and was followed by a request to cancel the membership on April 11, At the time of cancellation, a one month courtesy refund was issued for $Please allow - business days for these funds to process to your credit card accountIt is also important to note that this refund should appear on your next credit card statement We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt 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 the soft inquiries on your credit report from [redacted] (R)As an initial matter, please note that, [redacted] , Inc.(R) (“***”) is an affiliated company of Experian®, the credit reporting agency, and in that capacity offers a variety of credit monitoring products that include online access to consumers’ personal credit reports and scoresFurthermore, please be assured, these inquiries are listed as a promotional or “soft inquiry” A soft inquiry is an inquiry that occurs when a person or company checks your credit report, like when you check your credit score or a mortgage lender preapproves you for a loanSoft inquiries can occur without your permissionThis means that an inquiry from [redacted] ® has no effect on your credit ratingIf you believe this is fraud, we advise you to contact the credit bureaus directlyWe 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 29, 2015, and followed by a request to cancel the membership on July 8, Email notifications were 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 $on July 10, Please allow - business days for these funds to process to your credit card accountIt 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 excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing IMPORTANT INFORMATION: When you order your $Credit Report & FICO® Score, you will begin your day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge In regards to your request for reimbursement of the bank/credit card fees, our policy states that we are not responsible for any credit card fees, overdraft charges or bank fees if your account contains insufficient fundsSince your credit card company/bank has assessed this fee, we recommend that you contact them as it relates to this matter We apologize for any inconvenience or misunderstandingUnder Federal law, you have the right to receive a free copy of your credit report once every months from each of the three nationwide consumer reporting companiesTo request your free annual report under that law, you must go to [redacted] Experian Credit TrackerSM is not affiliated with the annual free credit report program We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Did not receive stated product or service nor did I order it.] [redacted]

Thank you for writing and expressing your concern regarding your membership with Credit Check(R) Total.Our records indicate that you enrolled with Credit Check(R) Total on June 29, 2017, and followed by a request to cancel the membership on October 16, 2017. Customer satisfaction is our... priority; as a courtesy we have issued a refund of $29.95 on October 16, 2017 and a refund of $89.85 on October 24, 2017. Please allow 3 - 5 business days for these funds to process to your credit card account. At this time, we would like to express our regret that your experience with Credit Check(R) Total 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 IMPORTANT INFORMATION When you order your $1 3-Bureau Credit Report & FICO(R) Scores, you will begin your 7-day trial membership in CreditCheck(R) Total. If you don't cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership 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 [redacted] Our records indicate that you enrolled with [redacted] on July 18, 2014, and on March 29, 2015, your membership with [redacted] was upgraded to Experian Credit TrackerSMOur records also indicate that we received a request to cancel the membership on August 4, At time of cancellation, a one month courtesy refund was processed in the amount of $Customer satisfaction is our priority, as a courtesy we have issued an additional refund of $on August 7, Please allow - 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 statementAt 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 at sign up: IMPORTANT INFORMATION: When you order your $Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without chargeWe strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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.Thank you for your assistance, this matter would never have been taken care of without an outside third party's assistanceI am grateful Regards, [redacted] ***

Thank you for notifying us regarding the cancellation of your FreeCreditReport.com(R) credit monitoring membershipBased upon your request, we have cancelled your FreeCreditReport.com(R) membership on January 22, 2015.We apologize for any inconvenience FreeCreditReport.com(R) prides itself on providing an excellent customer experience, and vigilantly strives to provide the highest standards of customer care and satisfaction We appreciate the time you took to send us your comments and suggestionsWe 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 hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Plus Our records indicate that you ordered a one-dollar credit report along with a trial membership on January 8, 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 January 19, 2018, and on or around the 19th of each following monthOn April 3, 2018, the paid benefits of the membership were discontinued In response to your complaint, all membership benefits were canceled, effective April 11, 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 discontinueThe consumer agrees to these terms when submitting their order As a courtesy, we issued a refund totaling $on April 11, Please allow - business days for these funds to process to the credit card account.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 CreditCheck(R) Total Our records indicate that you enrolled with CreditCheck(R) Total on May 10, 2016, and followed by a request to cancel the membership on May 23, 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 $on May 24, Please allow - business days for these funds to process to your credit card accountIt 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 CreditCheck(R) Total may not have met your expectation or our standard of excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing IMPORTANT INFORMATION When you order your $3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® TotalIf you don't cancel your membership within the 7-day trial period**, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime 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 $Credit Report and FICO® Score here, you will begin your 7-day trial membership in CreditCheck® TotalYou may cancel your trial membership at any time within days without chargeIf you decide not to cancel, your membership will continue and you will be billed for just $29.95/month for each month that you continue your membershipYou 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 inconvenienceAs 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 lawsTo submit a request under the FCRA via Experian, please call 1-888-397-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 suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt 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 Accepted with reservation, there is no acceptance of blame for the problem and no apology I would have no reason to choose to do business with this company in the future, based on the response Regards, [redacted]

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 January 9, 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 January 18, A welcome email notification was sent to the email address you provided at the time of enrollmentOn January 20, you contacted us and the membership was canceled.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 discontinueThe consumer agrees to these terms when submitting their order We have, as a courtesy, issued a refund totaling $($plus $tax) on January 31, Please allow - 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 processOur website displays the following disclosure on our order PAYMENT INFORMATIONWhen you order your $Credit Report and FICO(R) Score here, you will begin your 7-day trial membership in Experian CreditWorksSMYou may cancel your trial membership at any time within days without chargeIf you decide not to cancel, your membership will continue and you will be billed for just $21.95/month, plus $sales tax for a total of $23.73/month, for each month that you continue your membershipYou 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 strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for contacting us regarding the accounts opened with Experian Credit TrackerSM Experian Credit TrackerSM does offer a $1.00(dollar 7-day trial membership in a monthly credit monitoring productOur website fully describes the offer and the order form details the terms and conditions, including billing at the end of the trial period and monthly thereafter unless and until the customer notifies us of their wish to cancelThis was agreed to when submitting the order Our records indicate that you and Joseph Flood enrolled with Experian Credit TrackerSM on August 8, The memberships were not cancelled within the trial periodConsequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee of $plus $sales tax for a total of $on August 16, 2015, for each of their accounts On August 18, 2015, we received notification from you to cancel the membershipsAs a courtesy, we have issued a refund of the monthly membership fees of $for each of the accounts for a total of $on August 20, 2015.Please allow - business days for these funds to process to your credit card accountIt is also important to note that this refund should appear on your next credit card statement We feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing IMPORTANT INFORMATION: When you order your $Credit Report & FICO® Score, you will begin your day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge It is unfortunate that you had such an adverse experience while dealing with Experian Credit Tracker?, we vigilantly strive to provide the highest standards of customer care and satisfaction We do understand and acknowledge your frustrationWe trust that this explanation has gone some way to clarifying our standpoint on this matter

Thank you for the opportunity to respond to your concerns.Our records indicate that you enrolled with Experian Credit TrackerSM on October 27, The membership was not canceled within the trial period; consequently, you were billed our monthly membership fee on November 6, 2016, and on or about the 6th of each following month A welcome email notification was sent to the email address you provided at the time of your enrollment On December 18, 2017, the membership was canceled and a refund was issued to you in the amount of $24.99.Customer satisfaction is our priority As a courtesy, we have issued an additional $refund to you in response to this complaint Please allow 3-business days for the funds to process to your account.Our records further indicate that on October 27, 2016, you enrolled with Experain CreditWorksSM A welcome email notification was also sent to you for this membership at the time of your enrollment The membership was not canceled; consequently, your card was billed our monthly membership fee on November 5, 2016, and on or about the 5th of each following month On August 6, 2017, the benefits of the membership were upgraded to Experian CreditWorksSM Premium and the monthly price increased from $to $ Notifications were sent to you regarding this change On December 18, 2017, the membership was canceled On this date, a courtesy refund was issued to you in the amount of $24.99.Our websites describe the offer and the order form details the terms and conditions of the offer, including billing at the end of the introductory period and monthly thereafter unless and until the customer notifies us of their wish to cancel The customer agrees to these terms when submitting their order.We apologize for any inconvenience our hold times caused you We appreciate the time you took to send us your comments and will take this feedback into consideration as we continue to improve We hope the above information is helpful to you in considering this matter

Thank you for writing and expressing your concern regarding your membership with Experian Credit TrackerSMIn reviewing our records, they indicate that you enrolled with Experian Credit TrackerSM on March 14, We also show that on March 16, you contacted us to cancel your membership and agreed to maintain the membership in response to our retention efforts, in this case 50% off for monthsThe discounted rate expired on March 23, Additionally, you contacted us to cancel the membership on November 6, At the time of cancellation, a one month courtesy refund was issued for $Please allow - business days for these funds to process to your credit card account We apologize for any inconvenience or misunderstanding because of our offers As a courtesy, we have issued an additional refund of $on November 10, Please allow - business days for these funds to process to your credit card account 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 membershipsWe hope the above information is helpful to you in considering this matter

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.Actually you do need a credit report. I purchased the report because annualcreditreport wouldn't let me get a free one on the site. Right now 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 April 6, 2016, and followed by a request to cancel the membership on April 17, 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 an additional refund of $on April 21, Please allow - business days for these funds to process to your credit card accountIt 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 excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing Important information: When you order your $Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime 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 $Credit Report and FICO Score here, you will begin your 7-day trial membership in Experian Credit TrackerSMYou may cancel your trial membership at any time within days without chargeIf you decide not to cancel, your membership will continue and you will be billed for just $21.95/month for each month that you continue your membershipYou 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 inconvenienceAs 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 lawsTo submit a request under the FCRA via Experian, please call 1-888-397-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 Experian Credit TrackerSM Our records indicate that on January 23, you ordered an Experian(R) credit report from Experian Credit TrackerSM which enrolls you into the 7-day trial of our monitoring productAlso in reviewing your customer file it appears you purchased and viewed your bureau credit report on January 23, 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 excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing Important information: When you order your $Credit Report & FICO® Score, you will begin your day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the day trial period*, you will be billed $for each month that you continue your membershipYou may cancel your trial membership anytime within the trial period without charge At enrollment, you entered your personal information and credit card numberAfter enrollment the following disclosure is displayed on the bureau credit report order PAYMENT INFORMATION Note: Your credit card will be charged $once your identity has been confirmed and your report is ready to viewIf, for any reason, we are unable to provide you with this report, we will not charge your credit cardPlease note this transaction is non-refundable Customer satisfaction is our priority, as a courtesy we have issued a refund of $for the membership fees and $for the bureau credit report for a total of $on March 3, Please allow - business days for these funds to process to your credit card accountIt is also important to note that this refund should appear on your next credit card statement We appreciate the time you took to send us your comments and suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt 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 Experian CreditWorksSM Plus Our records indicate that a one-dollar credit report along with a trial membership was ordered on January 17, 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 January 25, A welcome email notification was sent to the email address provided at the time of enrollmentOn January 26, 2018, you contacted us and a refund was issued to you in the amount of $ In response to your complaint, all membership benefits were canceled, effective February 5, 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 discontinueThe consumer agrees to these terms when submitting their order 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, A Welcome email notification was sent to the email address you provided at the time of enrollmentAt the time of cancellation, a one month courtesy refund was issued for $21.95, plus sales tax of $1.95, for a total of $ 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 $ on July 26, Please allow - business days for these funds to process to your credit card accountIt 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 excellenceWe feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing Important Information: When you order your $Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSMIf you don't cancel your membership within the 7-day trial period**, you will be billed $for each month that you continue your membershipYou 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 $Credit Report and FICO Score here, you will begin your 7-day trial membership in Experian Credit TrackerSMYou may cancel your trial membership at any time within days without chargeIf you decide not to cancel, your membership will continue and you will be billed for just $plus $sales tax for a total of $23.90/month for each month that you continue your membershipYou 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 inconvenienceAs 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 lawsTo submit a request under the FCRA via Experian, please call 1-888-397-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 suggestionsWe value the input from our customers, and assure you we will give serious consideration to the issues you presented to usIt 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