• Report: #221982

Complaint Review: Experian Credit Bureau

  • Submitted: Thu, November 23, 2006
  • Updated: Sat, December 09, 2006

  • Reported By:Chicago Illinois
Experian Credit Bureau
Creditexpert.com Allen, Texas U.S.A.

Experian Credit Bureau ripoff Charged me $92.57 for a free credit report won't refund it Allen Texas *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: What they don't tell you

*Author of original report: Good News - Got My Money Back

*Author of original report: Experian, CIC, and Chase Bank Ripoff

*Author of original report: Experian Credit Bureau Ripoff - CIC Credit Monitoring and Chase Bank Ripoff, nothing here is free

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I subscribed to a "free" credit report from Experian. By the time I was through subscribing to a 30 day "free" trial period, they had charged me $92.57. When I viewed my report, I would get a message that my session had expired, and I had to go back again. I was supposed to be able to "view this report free until Dec. 18, 2006

There were four separate charges. When I called 1-866-673-0140 the person I talked to hung up on me. This was Nov. 20, 2006. I called back again and the person told me that I had ordered this report twice, and she didn't know about the other two charges, that I would have to dispute this, and basically ran me around in circles.

I have been getting emails from these people thanking me for using their services, and when I email them back and tell them that I want my money back they email me and tell me to call the same number (1866-673-0140) that I had called to begin with. A Jennifer P. and a Moe A. are names of people that have emailed me.

Chicago, Illinois

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EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 11/23/2006 08:58 PM and is a permanent record located here: http://www.ripoffreport.com/r/Experian-Credit-Bureau/Allen-Texas/Experian-Credit-Bureau-ripoff-Charged-me-9257-for-a-free-credit-report-wont-refund-it-A-221982. 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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#1 Consumer Comment

What they don't tell you

AUTHOR: Alan - (U.S.A.)

The truth is that by Federal Law each person is entitled to one free credit report from each of the 3 credit agencies, Transunion, Experian,and Equifax. Just go to annualcreditreport.com and this will act as a portal to the agencies. You can view this report or print it, but it will not update. The report does not include the credit score, this you must purchase but it costs about 8.00 per score. Be careful as some of the credit companies will have a page come up to sign you up for some worthless program, just skip it. Do not give out your credit card number this is really free, I just did it. Those other offers on the web are just a Ripoff.
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#2 Author of original report

Good News - Got My Money Back

AUTHOR: Kathleen - (U.S.A.)

I have good news. I got my bank to reverse the
transaction. I told them I wanted to sign an affadavit for fraudulent activity in my account, and that under Federal Regulation E, I wanted to file a dispute. The manager then told me that they (the bank) would file a dispute, and that they would reverse the charges.

So the Bank will take the loss. I had to call CIC while at the bank in front of the manager to get a confirmation number. The woman on the phone would not give me one, but wanted me to give her my social security number. I refused to do that. She wanted me to give the debit card number. At first I refused to do this, but the manager told me it was of no use to them now, as I had cancelled the card, so I followed her advise and gave them the number.

I had to cancel my debit card, close my account, and open up a new one. I had to go home, get the confirmation number from the email, go back the next day so that the manager could call
the dispute department and give them the confirmation number. These people at experian are Scum!

These people at CIC/Experian/FreeCreditReport/Cretit Manager
Credit Experts, CIC Triple Advantage, consumerinfo.com are all one in the same: They are owned by experian.

They would not cancel my "credit monitoring" and when I finally got them to do it, they said it would be effective Dec. 19. My 30 day "free" trial is over Dec. 18. they sent me an email saying that they will not charge me any more. So the bank is still out the money, and these people are still making money.

I have notified the local news, and the person who does stories about consumers being ripped off is interest in doing this story, as her husband got ripped off by them! I would love to see these people exposed. I will keep you posted.

Thanks to Rip-off Reports, I was able to win!
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#3 Author of original report

Experian, CIC, and Chase Bank Ripoff

AUTHOR: Kathleen - (U.S.A.)

I just called the 800 number for Chase Bank. (877-226-5663)I talked with a woman named Jessica, who, instead of refunding my money, refused to look up this web site, or listen to the fact that I had been charged $92.57 for an unauthorized debt. I told her that I had been advised to call the Illinois Dept. of Financial Institutions. She said that she had to follow a procedure, and got the "merchant" on the phone.

The merchant, a man named Jeff, worked for CIC, which is owned by Experian, told me that while the credit report was "free" I had upgraded my membership, which I never had to begin with. I insisted that the bank take the loss,the woman from Chase Bank said they could not do that, only if CIC gave me a refund. I told this woman that she did have to give me a refund in accordance with Federal Regulation E.

This Jessica told me that she would mail me a copy of Federal regulation E form, but that if CIC did not agree to refund the money, that the bank would not do so.

So, now, the problem is Chase Bank, CIC, and Experian. Yesterday I did not know that CIC was owned by Experian, I thought it was just Experian that was the problem

It seems to me that as long as people will put up with this nonsense, it will continue. I tried to do something about it, but did not succeed. So for me, now it's just not about money. Since I posted this yesterday, I have reported Experian to the FTC, the Better Business Bureau in Texas, have called the Attorney General's Office in my state and requested that they send me a complaint form. And I would certainly be interested in a Class Action Lawsuit. So if anyone else is interested in doing something, let me know.
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#4 Author of original report

Experian Credit Bureau Ripoff - CIC Credit Monitoring and Chase Bank Ripoff, nothing here is free

AUTHOR: Kathleen - (U.S.A.)

The problem is that I did see the $19.95 right before I saw my report. I had to give them my debit card number. I would have been willing to pay $19.95 and let it go at that, but not $92.57.

Since I gave them my debit card number (thinking that it was 30 free trial and this could be returned) does that mean I authorized them to continue to take out money from my checking account?
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