Experian Consumer Services

Thank you for expressing your concerns regarding the Experian(R) PLUS Score includedin your membership. We realize that you may have seen a discrepancy in the score you received from amortgage lender related to your credit application and the score provided aspart of your
membership. We try to makeit a point that our customers are aware that various scoring models areavailable in the marketplace and have different potential usesFor instance,we include a disclosure on our site describing the score provided with thecredit monitoring membership you purchased.Here, the score that is provided as part of your membership is a PLUS Score. It is an educational score that a lenderwould not use in a credit card application decision making process. The PLUS Score, with scores ranging from 330to 830, is a user-friendly credit score model developed by Experian to help yousee and understand how lenders may view your credit worthiness. Although it is not used by lenders, it isindicative of your overall credit risk. There are hundreds of different scores in the marketplace. Further, certainindustries may use custom credit scores that are tailored to their specificneeds. The custom scores may be uniqueto a specific industry, such as mortgage lending or auto lending. Thesecustom scores may be created based on information found in credit reportstogether with other information from the lender’s own portfolio, such asaccount historyWe hope that this provides you some clarity as to the discrepancy between the twoscores you received and the various scores available in the marketplace.We are sorry for any inconvenience or misunderstandingBased upon this complaint, we havecancelled the membership and have issued a refund of $to the card onfile on February 27, Please allow - business days for these funds toprocess to your credit card account. Itis also important to note that this refund should appear on your next creditcard statement. At this time we would like to express our regret that your experience with ***(R)may not 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 at sign up:IMPORTANT INFORMATION:When you order your $Credit Report and FREE Score here, you will begin your 7-day trialmembership in ***If you don't cancel your membership withinthe 7-day trial period**, you will be billed $for each month that youcontinue your membershipYou may cancel your trial membership anytime within thetrial period without charge.Calculated on the PLUS Score model, your Experian Credit Score indicates your relative creditrisk level for educational purposes and is not the score used by lendersPlease be advised that the price disclosed when you subscribed was $14.95.Additionally, the statements ascribed to our customer service representative are not inaccordance with our policies; we will be addressing these allegations directlywith the representative, and will take the appropriate steps to prevent areoccurrence of such events.We strive for exceptional customer satisfaction and hope we have addressed your area ofconcern 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 trial membershipThe 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 May 11, We received notification from you to downgrade the membership free on May 12,
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 cancelThe consumer agrees to these terms when submitting their order
We have, as a courtesy, issued a full refund of the remaining monthly feesPlease Allow - business days for these funds, an amount totaling $21.95, to process to the credit card accountUnfortunately, we must respectfully decline your request for additional compensation
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(R), 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 strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Dear Revdex.com,
I have reviewed the response made by the business in reference to complaint ID *** 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,
* ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. They have already posted the refund to my credit card, so I am satisfiedI appreciate the help
Regards,
*** ***

Thank you for the opportunity to respond to your concerns regarding your membership with Experian CreditWorksSM Premium. Our records indicate that on February 27, 2018, you enrolled with Experian CreditWorksSM Plus for an initial trial fee of $1. On the same day, the membership was
upgraded to Experian CreditWorksSM Premium and you accepted an introductory offer of $for the first month’s fee. We apologize for any inconvenience our hold times caused you. We appreciate the time you took to send us your comments and will consider this feedback as we continue to improve. In response to your complaint, the membership was canceled on March 15, 2018.As a courtesy, we refunded $on March 15, 2018. Please allow 3-business days for the funds to process to your account.We 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 *** 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,
*** ***

Thank you for writing and expressing your concernWe have received your request to cancel yours and Michael’s membership, and have cancelled the memberships effective October 9, 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 strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for the opportunity to respond to your concerns regarding Experian CreditWorksSM Plus.Our records indicate that you enrolled with Experian CreditWorksSM Plus on March 21, 2018. On March 21, 2018, the paid benefits were set to end after the initial trial period. In response to
your complaint, all membership benefits were canceled on March 31, 2018. We apologize for any inconvenience our hold times caused you. We appreciate the time you took to send us your comments and will consider this feedback as we continue to improve

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***While I understand the business principal behind their process, it is my firm opinion that the business practice of automatically starting a service that was not requested is predatory and should be stoppedA company like Experian's is supposed to help people detect these kinds of practices, not propagate them. I understand the role of Revdex.com in this matter and I appreciate your advocacy on my behalf. The resolution as proposed by Experian 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,
*** ***

Thank you for writing and expressing your concern regarding your membership with CreditReport.comTM
Our records indicate that you enrolled with CreditReport.comTM on June 9, 2014, and followed by a request to cancel the membership on February 11, At the time of cancellation, a one month
courtesy refund was issued for $
Customer satisfaction is our priority, as a courtesy we have issued a refund of $on February 12, for the remaining membership feesPlease 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 CreditReport.comTM 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 at sign up:
IMPORTANT INFORMATION:
When you order your $Credit Reports and FREE Scores here, you will begin your 7-day trial membership in CreditReport.comIf 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
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 ***, 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,
*** ***

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 December 19, 2014, and followed by a request to cancel the membership on January 28, 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 a refund of $on January 29, 2015. Please allow 3-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.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 funds. Since your credit card company/bank has assessed this fee, we recommend that you contact them as it relates to this matter. 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 $Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.comIf 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 chargePlease be advised that the price disclosed when you subscribed was $19.99.We strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for the opportunity to clarify the $charged at the time of your enrollmentOur records indicate that on March 3, you ordered an Experian(R) credit report from Experian Credit TrackerSM which enrolls you into the 7-day trial of our monitoring product. Also in reviewing
your customer file it appears you purchased and viewed your bureau credit report on March 3, At enrollment, you entered your personal information and credit card numberAfter enrollment the following disclosure is displayed on the bureau credit report order page: 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-refundableWe have issued a credit for $on March 18, When we issue a credit it can take from - business days for them to post the funds to your accountIt is also important to note that this refund should appear on your next credit card statementIn the future we recommend visiting www.annualcreditreport.com which allows consumers to request a free credit report, once every months from each of the three nationwide consumer credit reporting companiesWe 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 *** Total.Our records indicate that you enrolled with *** Total on March 20, 2015, and followed by a request to cancel the membership on April 2, 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 $on April 10, 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 *** 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 at sign up:PAYMENT INFORMATION:When you order your $Credit Reports and Scores here, you will begin your trial membership in *** TotalIf you don't cancel your membership within days, you will be $for each month that you continue your membershipYou can cancel your membership by contacting us at any time and stop the monthly billing; 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 the opportunity to address your concernIt is unfortunate that you had an adverse experience while dealing with Experian IdentityWorksSM Plus. Experian IdentityWorksSM Plus vigilantly strives to provide the highest standards of customer care and satisfactionAt this time we would like to express our regret that your experience with Experian IdentityWorksSM Plus 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 in our terms and conditions: ONLINE AND/OR MOBILE APPLICATION REQUIREMENTS You must have an email address and provide the same to ECS, and have a Java-compatible browser to receive and/or access your Services online via a mobile application, if applicableAs an online (or mobile application) customer, you are agreeing to receive all notifications via email at the email address on file with ECSYou are obligated to update the email address on file when your email address changesIn the event that ECS is unable to deliver email messages to you, you agree to accept Service notifications in an alternative method, such as direct mail or SMS messagesWe strongly encourage you to select SMS messaging as an alternative method of receiving notifications and alertsYou may select this method by accessing your Customer homepage online and changing your Alert SettingsPlease note, mobile messaging rates may applyAll service alerts are also accessible online in your Alerts Center of your accountThe Services may offer features and services that are available to you via a Website, such as a mobile applications or mobile websiteStandard messaging, data and other fees may be charged by your carrierBy using the mobile features, you agree to be bound by the terms of this Agreement and further agree that we may bill your carrier (if applicable) for any Services you authorizeYou may also purchase services via mobile applications of third partiesAny third party mobile application purchases shall be governed by the purchase terms and conditions of the third party from which you are purchasing servicesYou also agree that we may send communications to your mobile device and collect information from your device, as described in our Privacy Policy and/or Ad Targeting PolicyIn the event that you fail to or otherwise do not update your email address on file with ECS, and thus ECS is unable to deliver email messages to you, you nonetheless understand and agree that any paid Service will be fulfilled at the price agreed upon at the time that you placed your order or enrolled in the ServiceWe 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 May 22, 2016, and followed by a request to cancel the membership on June 3, 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, on June 6, 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 process
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 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 your membership with Freecreditreport.com(R).Our records indicate that you enrolled with Freecreditreport.com(R) on January 22, 2015, and followed by a request to cancel the membership on January 30, 2015. Customer satisfaction is our
priority, as a courtesy we have issued a refund of $plus $sales tax for a total of $on January 31, 2015. 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 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 $Credit Report and FREE Score here, you will begin your 7-day trial membership in freecreditreport.comIf 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. Click here to access your free annual credit report available under federal law.Please be advised that the price disclosed when you subscribed was $17.99.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 October 9, 2014, and followed by a request to cancel the membership on October 17, 2014. 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 October 18, 2014. Please allow 7-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-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 $Credit Report & FREE 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
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 strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

Thank you for the opportunity to respond to your concerns regarding your membership with Experian Credit TrackerSM. Our records indicate that you enrolled with Experian Credit TrackerSM on October 29, 2017. In response to your complaint, the membership was canceled on March 16,
2018. 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. Customer satisfaction is our priority. On March 16, 2018, we issued a refund to you for $Please allow 3-business days for the funds to process to your account.Our records also indicate that you are currently enrolled in our free credit monitoring membership, Experian CreditWorksSM Basic. 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 TrackerSM.Our records indicate that you enrolled with Experian Credit TrackerSM on May 3, A welcome email notification was sent to the email address you provided at the time of your
enrollment On July 27, 2016, the benefits of the membership were upgraded and the monthly price increased from $to $ Notifications were sent regarding this change This was followed by a request to cancel the membership on August 5, On this date, a refund was issued to you in the amount of $24.99.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 cancel The customer agrees to these terms when submitting their order.Customer satisfaction is our priority; as a courtesy we have issued an additional refund of $on August 30, Please allow - business days for these funds to process to your credit card account We strive for exceptional customer service and hope we have addressed your area of concern to your expectation