I found a charge on my credit card statement for creditreport.com. I use a service that is billed on a different card so I knew the charge was fraudulent. I called the phone number listed on the credit card statement.
I was asked for my cc#, my name, my birth date, the last four of my social security number. I protested giving them this information. I was treated very rudely by the person answering the phone, and told "If you call your credit card company, they are going to have you call back to talk to me. You'll have to give me the information then. I need the information to be sure that you were scammed."
I expressed that I was calling my credit card company to cancel the number instead. "Canceling the card will not make a difference, we can still continue to charge the card the monthly fee of 19.95 since it was authorized."
I finally gave him the last four digits of my SS#. I was told "Yep, that's not the last four listed, it's fraud. I'll transfer you to the fraud department." (What if it HAD been the correct last four digits, would they have refused to cancel??) I got ahold of the person at the fraud department. She demanded an email address to "verify who I was".
I told her I did not sign up, I did not GIVE you my email address, I use several email addresses, several that are ONLY for companies that will generate future spam, I can't VERIFY the email address you have on file as I did not even GIVE it to you in the first place. She got nasty. "If you don't give me an email address, I can't continue this claim."
I rattled off a random spam catching email for her, she was happy. She said "This was fraud, not your ss# listed." (Duh, thanks, I knew I had not signed up.) I asked her "So basically, someone can sign up using my name, cc# and THEIR ss# and get a report?" She replied, "Oh, it looks as if they never even generated a report."
Great, so someone logged on the website, gave my name and cc#, theirs or a bogus ss#, then logged off, leaving ME charged over $65 in fees, that were set to continue until I called to cancel the subscription. It makes me wonder if CreditReport.com has people stealing CC#'s for them. Just think how much money they can make before a person realizes it. Be warned.