CREDIT REPORTING AGENCIES Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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1, Report #73430
Nov 29 2003
04:09 PM
CIC Credit Reporting ripoff Nationwide
I signed up to get my trial credit report and then they turned around two weeks later and charged my credit card 79.95 without my consent. I have tried to contact them but I get the run around. I want my money back and want all consumers to be aware of this fraudulant company and would like to be taken off their mailing list. Lisa Elgin, South CarolinaU.S.A.
Entity: Nationwide
2, Report #286544
Nov 25 2007
05:00 AM
Credit Reporting Agency credit reporting agency Online Base web address Internet
credit reporting agency took money from my account without my permission. was suppose to be free report. Minnie Millbrook, AlabamaU.S.A.
Entity: Internet
3, Report #253114
Jun 07 2007
11:09 PM
Credit Reporting Agencies, TU, Equifax, Experian, Innovis They purposely report wrong, negative information on credit reports Nationwide
I have beeen trying for the last few years to repair my credit, even after paying all my bills on time my score still suffers. The CRA's dont seem to care or be willing to assist in fixing the problems. They keep reporting outdated info so my short positive payment history is over shadowed by the old outdated info. Im frustrated. Lamont somewhere, IllinoisU.S.A.
Entity: Nationwide
4, Report #422311
Feb 10 2009
04:20 AM
Triple Advantage credit reporting Internet
i want to stop getting change for this company jon FPOU.S.A.
Entity: Internet
5, Report #761272
Aug 05 2011
07:50 AM
Scoresense.com Credit reporting agency Internet, Internet
I never signed up for this service.  I went to Experian and signed up for their credit reporting.  I am fully satisfied with their service.  The next thing I know I have a charge from scoresense.com.  I never visited their website nor asked for their service.  Don't even know who they are until I opened my checking account and saw a charge from them.I never got confirmation of membership, no password, no membership number - and they charged me $29.95.  For a credit reporting agency.... this company is a big rip-off.  The government should close them down soon!!!
Entity: Internet, Internet
6, Report #929760
Aug 20 2012
09:25 AM
Scoresense Credit reporting agency Dallas, Texas
Signed up for a free credit report from this company and they have been making withdrawls of 29.95 ever sense then. I had not been using thet account they were withdrawing from for months and clearly remember closing my account with them, a while after i put some money back in the account i checked it. they had taken 2 more fees from the account.
Entity: Dallas, Texas
7, Report #1192039
Nov 29 2014
05:51 PM
Experian Credit Reporting Agency Internet
Ordered all three of my credit reports online for $32 and a charge of $14.95 showed up a week later. When you order the reports for them, even though you paid for them, they put you on a free one week trial. After one week they start to bill you for the credit monitoring. They will cancel membership if you call however, you won't be able to get your initial fee returned. Really a despicable practice and I will never do business with them again.
Entity: Internet
8, Report #300170
Jan 15 2008
09:34 AM
PrivacyMatters Internet
Privacy Matters is a ripoff. I was charged $30 plus the one that they claimed I was getting back. That sucks.....I never saw anything that said that I was signing up for a membershi[ and getting charged $30!!!AHHH Pissedoff Newnan, GeorgiaU.S.A.
Entity: Internet
9, Report #55394
May 02 2003
09:10 AM
CIC Credit Reporting ripoff and fraudulent billing Internet
I had gone online to get what I believed to be a free credit report. It turns out that I have been charged two months in a row now 79.95 by a company I don't even know! The company I had received the free credit report from has already canceled my subscription. So I suppose I am now a victim of people getting my information over the internet. It should be illegal for these companies to sell your information to others. How can you charge someone that has never even enlisted your services? Kelly Columbus, GeorgiaU.S.A.
Entity: Internet
10, Report #111393
Oct 04 2004
03:26 PM
CIC Credit Reporting ripoff Internet *EDitor's Suggestions on how to get your money back!
36563 PURCHASE CIC*Credit Mon CIC*Credit Monitor 800-2202626 CAUS 79.95 is exactly what appeared on my billing statement and I have no idea why. I am serving in Iraq right now and cannot do an indepth search of who it was. Please help me the best you can. I am over here putting my life on the line so a bunch of jerks can take my hard earned money. That pisses me off knowing that people can stoop that low. SPC David Dyersburg, TennesseeU.S.A. Click here to read other Rip Off Reports on CIC Credit Monitoring CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: 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 you 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! DO NOT TAKE NO FOR AN ANSWER! 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/comptroller 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. CHARGES TO YOUR CREDIT CARD 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 EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.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.
Entity: Internet
11, Report #188722
Apr 26 2006
12:58 PM
Credentials Credit Reporting Service Failed to provide service as advertised. ripoff Trumbull Connecticut
I have been a member for several years (8-10) and I have only received positive reports on my credit. My initial intention was to receive credit ratings reports, as was advertised. The reports I always receive are generic and have no information that is of any help to me. This service costs $49. a year. I received a card that asked if I wanted to cancel my membership, or to do nothing and it wouild be renewed automatically. I had to make ten calls before I could reach someone with which to speak. It was explained to me that the service provided protected me against identitiy theft. It doesn't seem to be a protection, but more of an alarm. I was able to cancel my membership with the help of a nice lady named Vickie. David Point Arena, CaliforniaU.S.A.
Entity: Trumbull, Connecticut
12, Report #137563
Apr 04 2005
09:00 PM
Consumerinfo Credit Reporting ripoff Internet California
Charged annual fee for free credit report Renee las cruces, New MexicoU.S.A.
Entity: Connecticut
13, Report #1290673
Feb 29 2016
11:35 AM
Experian Credit Reporting Unauthorized Charges for Monthly Monitoring Nationwide
At the end of January I pulled my credit reports from all 3 bureaus and my score from each. I was only agreeing to the one-time charge to get my score but then saw a charge of $19.95 come through for monthly monitoring. When I called and asked that this be reversed they told me they would not reverse it only cancel the account. I explained that I didn't authorize these charges and haven't used the service at all. They still refused to credit me back what I was owed. Experian's website and business practices are deceptive. I can only imagine how many people have fallen victim to this revenue generating scheme. I will never do business with Experian again! Be warned.
Entity: Nationwide
14, Report #1207715
Feb 09 2015
08:12 AM
Credit Karma Not accurately reporting Credit scores Internet
CreditKarma.com is a useless source to determine your credit worthiness. They don't use accurate numbers. They use the same system as TransUnion Advantage Score but somehow came up 100 points lower than my score on TransUnion. CreditKarma is NOT a reliable source...Don't sign up...don't regard them as anything but a BOGUS website collecting your personal information!!!!!!
Entity: Internet
15, Report #66661
Sep 07 2003
09:49 PM
American Agencies ripoff Torrance California
American Agencies 2158 West 190th Street Torrance CA 90509-2829 Dear Collector, I am writing in response to the phone conversation dated 4/2/3002 and 8/12/2003, because I do not believe that I owe what you say I owe for reasons stated below. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2/2003 and 8/12/2003, I respectfully request that you provide me, in writing, the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of the debt you say you bought. Identify the original creditor; Show me that you are licensed in my state, and provide me with your license numbers. All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act Since you have reported me to the credit reporting agencies (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt. Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit reporting agencies due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau (you have a very bad report doing the same to others as you have me), and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything. On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit reporting agency that you lied and said that you validated the bill with me. I am now contacting all credit reporting agencies by phone, calling for an attorney, and calling the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states. I have enclosed a letter of my rights from the FTC website. I know the law well and will be following their advice. Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. Signature Christina columbia, MissouriU.S.A.
Entity: Torrance, California
16, Report #47768
Mar 03 2003
04:40 PM
CIC Credit Rip-off
On or about December 30, 2002 I ordered a 'free credit report' from this company via the internet. On January 30, 2003 my credit card was charged 79.95 for an annual subscription to a 'credit monitoring service' that I was not made aware of when I ordered my 'free' credit report. I immediately called the company and the gentleman I spoke to assured me that he would issue a credit and cancel the service. Roy grapeville, PennsylvaniaU.S.A.
Entity: Internet
17, Report #1209933
Feb 18 2015
10:10 AM
Credit Karma Ripoff Internet
I joined Credit Karma through my credit union several years ago. Ratings seemed in line with another credit sight I belong to. Until they announced this wonderful upgrade in which they joinged with Equifax recently. I went to check out the site and they reported my credit rating in the low 500's. I checked the other site which I belong too which is Equifax this morning and my rating in in the very high 600's.Not sure who's monkey's butt they are pulling their information from but I would say it isn't very accurate. 
Entity: Internet
18, Report #1230627
May 21 2015
08:46 AM
Transunion Credit Unauthorized Charges Internet
I signed up for a free trial which included a one time carge to my card. This account could be canceld via their website wihtin 7 day to stop charges. I went onto the website the following day and canceled. I noticed this morning that my bank had been charged again and that my account was overdrawn due to this charge. I called Transunion and they told me that thye would reimburse the charge but not the overdraft fees because I should have called Transunion to make sure my account had been canceled. There was nothing on the website that said I had to call and the supervisor even admitted that but still would not reimburse me. These guys are rip off artists to the fullest extent and they have several complaints against them now.
Entity: Internet
19, Report #1328780
Sep 18 2016
08:10 AM
Mg credit Credit reporting Florida
 Received a bill from Dr that I had never seen. Disputed thoroughly to no avail. I went ahead and paid the bill in full to resolve credit issue. A year later it is still showing on credit report. Bad business! I hope this gets resolved ASAP otherwise I'll be forced to take further action. I've seen some of their responses on here and they sound like thugs. I hope they are more professional in my case as I did everything right here and still have issues on my credit report as uncollected.
Entity: Florida
20, Report #121987
Dec 09 2004
08:16 AM
Cic Credit Monitoring ripoff illegal credit card charges Nationwide
Although I typed in the preliminary information to receive a free credit report from CIC CREDIT MONITORING, I signed off after discovering a need to cancel the card after a month of free service. Imagine my surprise when I received a $9.99 charge on the card anyway. And the company has billed me again this month. This - dispite the fact I have never received a credit report, free or otherwise (nor requested one). This company is obviously fraudulant and seems to get and keep your personal information even when no express permission is given. Kyle sandy, UtahU.S.A.
Entity: Nationwide
21, Report #1202565
Jan 18 2015
05:37 PM
Experian credit tracking, fico score, credit report Internet
I was pulling my credit score information, as well as my husband's. I used a different credit reporting agency for my credit score without any issues. However, my husband did not want just a single FICO score, so I used Experian to obtain his credit information. Upon going to the Experian website, a membership was advertised for $4.95 for your first month and $19.95 for subsequent months of membership. Additionally, this advertisement specifically targeted FICO score information. Due to wanting to stay updated on our credit situation, my husband and I thought this might be the best option. My husband was able to see all 3 FICO scores from the major credit reporting agencies, but when we checked our bank account, not only were we charged the $4.95 for the first month (like we anticipated), we were also charged $49.95. This surprised us, as at no point were we informed about this additional charge, albeit the website is very vague in providing any information at all. As a result, my husband spoke to someone in customer service for Experian. The woman seemed apathetic to our situation and did nothing to alleviate the additional unexpected cost. She did not even apologize for the lack of clarification of costs. All the woman stated was that the $49.95 was the charge for the FICO scores. My husband informed her that the website did not indicate this, that in fact, the website indicated otherwise. I have already contacted my bank to dispute the extra charge and have cancelled the membership immediately after discovering it was not what it advertised. However, I have to wait until the charge clears before I am able to file an actual dispute. This is a screen shot of the page I am referencing.
Entity: Internet
22, Report #192769
May 22 2006
04:46 PM
EDP Reporting ripoff Nationwide: *EDitor's Suggestions on how to get your money back into your bank account!
My account was debited $159.95 for something I do not understand.Now I have overdraft charges. I called them and told them that it was a mistake and to cancel this and put my money back in my account. They said that it was non refundable. They also said that more charges will be coming out.I told them that I would call the Better Business Bureau, and they said that it would not do any good. Kathy Danville, IllinoisU.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: 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! DO NOT TAKE NO FOR AN ANSWER! 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. CHARGES TO YOUR CREDIT CARD 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 EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.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.
Entity: Nationwide
23, Report #212816
Sep 26 2006
11:55 AM
EDP Reporting ripoff online short term loan account fraud Valley Village California
EDP Reporting has apparently created a way to get my information, through a process which appears to be a short term loan application, but in fact it is an application for a Secured Debit Card. I recieved a draft on my account for $159.95 about 5 business days after I placed a request for a short term loan. They informed me that if cancellation is completed within 3 business days I am eligible for a refund. If it is after that there is no chance for a refund. I spoke to a customer service (only in name) representative who when asked the address and numbers of their orginization, he gave me false information. Very close to the actual information but false because the changed the street address and the suite number and the zip code. He also gave me an incorrect direct phone number. I have since closed my account and have disputed the charges to my bank, which may or may not get me my funds back. I then did extensive research and found that there is well over 100 people that have reported them as a ripoff. They also have incidents reported on this website. I called back to get further clarification about why I am not eligible for a refund and some other details about the company. I was informed that I can't have any of their information such as how long they have been in business and other facts like that. They also told me it was company policy that no refund be issued. I am a pretty savy web surfer (although I feel less so today) and have seen many scams, but this is by far the best one I have seen because they hide their intentions in a long laundry list of terms and conditions. I do normally read T & C's but this time I didn't read the whole thing because of the excessive terms and conditions (which should have been a warning flag). Kevin Oklahoma City, OklahomaU.S.A.
Entity: Valley Village, California
24, Report #233840
Jan 31 2007
07:54 PM
EDP Reporting Ripoff false charge of $159,95 without my authorization Valley Village California
The EDP Reporting Sterling Card is a debit card without my knowledge. I went to my bank because the unauthorized charge of $159.39 caused an overdraft. The bank representative backed off the charge and I emailed EDP Reporting and they responded from customer service department telling me that they had proof of authorization and that I was not eligible for refund. Robert Sacramento, CaliforniaU.S.A.
Entity: Internet
25, Report #207902
Aug 25 2006
01:19 PM
Equifax, CSC Miss reporting to Credit Bureau. Atlanta Georgia
Filed a report regarding HomEq services also on Rip-Off Report Equifax refuses to remove an account that does not belong to me. They claim HomEq filed information, HomEq claims it's Equifax's fault. Frankly I don't care who's fault it is, I just want the information removed from my bureau report, not a statement below the account that states Disputed. This statement does nothing for my credit score. My other gripe is, they have no phone numbers posted to be able to contact Equifax directly. If your going to do this kind of buisness Equifax have a number were you can be reached. Rick Houston, TexasU.S.A.
Entity: Nationwide

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