- Report: #247248
Complaint Review: Experian - CIC Credit Monitoring - ConsumerInfo
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| Experian - CIC Credit Monitoring - ConsumerInfo ConsumerInfo.com
Irving, California U.S.A. |
|
Experian - CIC Credit Monitoring - ConsumerInfo Ripoff UnAuthorized Monthly Charges Misterious Services you didn't sign up for Personal Banking Info STOLEN Irving California
*UPDATE Employee: yup
*Consumer Suggestion: The credit bureaus were mandated by US Govt to provide: https://www.annualcreditreport.com/cra/index.jsp
*UPDATE Employee: Common Sense
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In February I decided to check my credit score, and I had heard about the free services online so I decided to try one out. At first, i was really disappointed with ConsumerInfo.com (transfered from freecreditreport.com). But i finally found Equifax's website and was very satisfied (I had to pay like 5$ to get my FICO score, but i didn't have to sign up for anything, but if i ever were to, I'd do it through Equifax)
Two months pass
I'm looking though one of my bank statements and realize two unexpected charges by "Electronic Purchase CIC*Credit Monitoring 800-2202626 CAUS" one for $19.90, and another for $9.95 just three days later. I say, "WTF?" and call the number to tell them to stop whatever the hell they are doing. The first option of the prompt is to cancel, which should tell you something. So i push it. My call is conveniently dropped after being on hold for a couple minutes. Hell no! So i call back. After getting put on hold again, i finally get a person on the other side, and i tell them, I don't know what they think i signed up for but it needs to stop. period. she asks me for my social, and i tell her, "No way, you give me YOUR social!" She got my point and said she could use my name and email address to access my account. Then i tell her to cancel. She says "Ok, well what you need to do is go to ConsumerInfo.com to lookup your report so you are getting the full benefit of your service." I tell her "No, i want my account cancelled." After trying to talk my out cancelling for 10 minutes, she finally says she will cancel the account.
WHAT DISTURBS ME
1) I didn't even use the account that was debited when i originally obtained my report. Wherever Experian got that information, it wasn't from me. These are the people that are gathering personal information, do they have access to our banking information without permission? That doesn't just sound like a rip-off, that sounds criminal
2) If it was a monthly service, why was i not charged for nearly two months later? The 19.90 payment I'm sure was for the first two months, and the second 9.95 for the next month to come. Is this standard operating procedure? What if they had decided to wait 10 months of service charges to accrue before they decided to charge me and thus letting me know that i was even signed up for anything?
3) They know that they are conducting shady, unethical business. Unlike Equifax which did offer me service, they made no effort to make it known that you were signing up for a service. And these are the people we are trusting to keep track of our personal information?
*SHUDDERS*
David william
Mesa, Arizona
U.S.A.
Two months pass
I'm looking though one of my bank statements and realize two unexpected charges by "Electronic Purchase CIC*Credit Monitoring 800-2202626 CAUS" one for $19.90, and another for $9.95 just three days later. I say, "WTF?" and call the number to tell them to stop whatever the hell they are doing. The first option of the prompt is to cancel, which should tell you something. So i push it. My call is conveniently dropped after being on hold for a couple minutes. Hell no! So i call back. After getting put on hold again, i finally get a person on the other side, and i tell them, I don't know what they think i signed up for but it needs to stop. period. she asks me for my social, and i tell her, "No way, you give me YOUR social!" She got my point and said she could use my name and email address to access my account. Then i tell her to cancel. She says "Ok, well what you need to do is go to ConsumerInfo.com to lookup your report so you are getting the full benefit of your service." I tell her "No, i want my account cancelled." After trying to talk my out cancelling for 10 minutes, she finally says she will cancel the account.
WHAT DISTURBS ME
1) I didn't even use the account that was debited when i originally obtained my report. Wherever Experian got that information, it wasn't from me. These are the people that are gathering personal information, do they have access to our banking information without permission? That doesn't just sound like a rip-off, that sounds criminal
2) If it was a monthly service, why was i not charged for nearly two months later? The 19.90 payment I'm sure was for the first two months, and the second 9.95 for the next month to come. Is this standard operating procedure? What if they had decided to wait 10 months of service charges to accrue before they decided to charge me and thus letting me know that i was even signed up for anything?
3) They know that they are conducting shady, unethical business. Unlike Equifax which did offer me service, they made no effort to make it known that you were signing up for a service. And these are the people we are trusting to keep track of our personal information?
*SHUDDERS*
David william
Mesa, Arizona
U.S.A.
This report was posted on Ripoff Report on 05/07/2007 09:41 AM and is a permanent record located here: http://www.ripoffreport.com/r/Experian-CIC-Credit-Monitoring-ConsumerInfo/Irving-California/Experian-CIC-Credit-Monitoring-ConsumerInfo-Ripoff-UnAuthorized-Monthly-Charges-Mister-247248. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Credit Freezes are pretty extreme measures from what I hear. For any sort of creditor to pull the report you have to lift the freeze using a pin number. Lifting it can take a few days so if you need something in a hurry may have to wait. There's a 90 day alert you can place on your credit profile which basically adds a statement to your credit report that asks creditors to call you to verify your identity. Can do that through experian at 18883973742 I believe to place that alert.
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What's this? #2 Consumer Suggestion
The credit bureaus were mandated by US Govt to provide: https://www.annualcreditreport.com/cra/index.jsp
AUTHOR: Thomas - (U.S.A.)
SUBMITTED: Thursday, June 28, 2007
The US Gov't requires that you can get one free report each year from the three major bureaus and the site is annualcreditreport.com/cra/index.jsp
I heard on NPR that some 36 states now allow you to place a freeze on your credit reports, meaning no inquiries will be answered, so nobody can obtain a bogus credit card against your name. Some states require you to have been an identity theft victim and other states simply grant you the right to freeze your credit reports.
I heard on NPR that some 36 states now allow you to place a freeze on your credit reports, meaning no inquiries will be answered, so nobody can obtain a bogus credit card against your name. Some states require you to have been an identity theft victim and other states simply grant you the right to freeze your credit reports.
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What's this?
First off, it clearly states on consumerinfo.com that to recieve you recieve your 'free' credit report only after signing up for a trial period in an ongoing membership. The membership charge after 30 days is 9.95, its 'free' as long as you cancel within 30 days. Basically what happened is this...You saw the word 'free' and stopped reading past that.
To get your 'free' credit report you must fill in various information including date of birth, mothers maiden name, first/last name, security question/security answer, email address, social security number AND CREDIT CARD NUMBER. Basically the SSN is associated with the credit report and is also used in verification process. Email used for delivery of some of the membership features. Name, MMN, DOB, security question/answer are all used for verification purposes. But most importantly Credit Card Number is used to bill you. That's how they 'stole' your banking info, you gave it to them to get that free credit report.
And as for the big conspiracy of racking up charges....What most likely happened is you signed up for the free 30 days and your free report, forgot to ever cancel....then your credit card was overdrawn so a payment could not go through for 2 months, so they tried to keep charging your card each week until that charge did finally go through, two 9.95's makes one 19.90. You then let one more month go by without doing anything about this situation and charged once 9.95.
It does state on the site that this is a membership that you're joining, once on the front page and a few more times in the user agreement. It also gives a link to annualcreditreport.com the one site sanctioned by the government to handle the real free credit report that anyone can get from each of the three bureaus every 12 months.
Thanks for reading
To get your 'free' credit report you must fill in various information including date of birth, mothers maiden name, first/last name, security question/security answer, email address, social security number AND CREDIT CARD NUMBER. Basically the SSN is associated with the credit report and is also used in verification process. Email used for delivery of some of the membership features. Name, MMN, DOB, security question/answer are all used for verification purposes. But most importantly Credit Card Number is used to bill you. That's how they 'stole' your banking info, you gave it to them to get that free credit report.
And as for the big conspiracy of racking up charges....What most likely happened is you signed up for the free 30 days and your free report, forgot to ever cancel....then your credit card was overdrawn so a payment could not go through for 2 months, so they tried to keep charging your card each week until that charge did finally go through, two 9.95's makes one 19.90. You then let one more month go by without doing anything about this situation and charged once 9.95.
It does state on the site that this is a membership that you're joining, once on the front page and a few more times in the user agreement. It also gives a link to annualcreditreport.com the one site sanctioned by the government to handle the real free credit report that anyone can get from each of the three bureaus every 12 months.
Thanks for reading
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