OTL*SCORE SENSE EXPERIAN THEY ACCESSED MY CREDIT CARD ACCOUNT AND HELPED THEMSELVES TO $29.95, NOT ONCE BUT FIVE TIMES!! INTERNET, Internet

read the Ripoff Reports from people all over America for important information if you have a bank account or a mortgage in the USA.

Thank You

A writer remarked that the person who was ripped off at some point had to have requested a credit report from Experian, otherwise they never would have debited his credit card.  Experian debited not one, but two of our credit cards when neither I nor my wife ever had any dealings whatsoever with Experian or any of its subsidiaries.  When we contacted Experian, they said that eight different people requested credit reports using our one credit card number, and four different people requested a credit report using our other credit card number.  Our names and addresses were no where to be found in their data bases because we never requested any of their services.  Nevertheless, they billed us without checking to make sure that we were any of the persons who used our credit card number.  The fact that Experian does not request the security code on the credit card allows them to bill the real owners of the cards who often never realize they are being ripped off.  In cases where real owners like ourselves catch them in this fraud, they simply say to the bank we made a mistake and will refund the money.  In the meantime, Experian continues to make millions of dollars off of card holders who don't examine their statements carefully enough to realize they are being robbed blind.  So, no, there really are people who are being billed by Experian who NEVER request any of their services.

Here's what has happened to you, from the Terms of Use link at the bottom of the home page and also the sign up page...

8. In order to use the Sites and the Services, You must provide the following information:You must provide valid debit or credit card payment information at time of enrollment in Subscription Services, or at the time of purchase of Transactional Services. We will verify your debit or credit card information before processing your order, including performing an authorization in an amount up to the stated monthly membership fee for all Subscription Services, and/or all fees associated with the purchase of Transaction Services. The authorization amount may count against your debit or credit limit. For Subscription Services which include a free-trial period, if you do not cancel your free trial within the free trial period, you will be charged at the monthly rate in effect at that time for the Subscription Services for which you enrolled. Your debit or credit card (including, if applicable, as automatically updated by your card provider following expiration or change in account number) will continue to be charged each month at the applicable monthly rate unless and until you cancel the Subscription Services. IF THE SERVICES YOU CHOOSE INCLUDE A FREE-TRIAL PERIOD, YOUR FREE TRIAL PERIOD IS MEASURED IN 24-HOUR DAYS. FOR EXAMPLE, IF YOU SIGN UP FOR A 7-DAY FREE TRIAL PERIOD AT 10:00 A.M. ON MARCH 1, 2010, YOUR FREE TRIAL PERIOD WILL EXPIRE AT 9:59 A.M. ON MARCH 8, 2010.You may be required to provide your social security number and other personal information, such as previous addresses, employment, and other names, so that your identity can be verified in order to use some Services.You must provide true, accurate and complete information about yourself as prompted by the applicable form(s) for the Services and, for Subscription Services, to promptly update your information if and when it changes. If you provide any information that is untrue, inaccurate, or incomplete, or we have reason to believe that such information is untrue, inaccurate, or incomplete, we reserve the right to terminate your subscription or void your transaction.

9. Important Information regarding your authorization to charge your credit or debit cardBY SUBMITTING YOUR ORDER, YOU AUTHORIZE US TO CHARGE YOUR CREDIT CARD OR DEBIT YOUR BANK ACCOUNT THE STATED ENROLLMENT OR TRANSACTION AMOUNT AND/OR PROCESSING FEES AND FOR SUBSCRIPTION SERVICES ONLY, THE STATED AMOUNT PER MONTH AFTER YOUR FREE TRIAL HAS EXPIRED. Your enrollment in Subscription Services will continue month-to-month unless and until you cancel or we terminate your enrollment. If you purchase additional Services, they will be billed to the debit or credit card provided to us during enrollment.

How did you manage to take 5 months to notice this? It sounds like you haven't cancelled yet and will continue to be billed until you do.

Can you explain any other way they had your payment information?Most of these "Free" or low cost trial subscriptions work this way.

I don't see the Ripoff.

NO, I DON'T work for them.