Experian / Cic Triple Advantage / Consumer Info / How to get a refund for unauthorized $12.95 charges!
Experian operates outfits called CIC Triple Advantage and Consumer Info and www.freecreditreport.com. I find myself in the same boat as everyone else who has posted a complaint about CIC on this board. I went to www.freecreditreport.com to get an annual free credit report for me and for my husband under the Fair Credit Reporting Act. Ever since, CIC Triple Advantage has deceitfully charged us each $12.95 for the past 5 months. I just noticed the charges, ran a Google search on CIC, called CIC and requested that they cancel my 'membership' (that's the rep's term not mine, considering I never asked to become a member) and I requested a full refund. The rep canceled my 'membership,' but said I would have to send a letter to the company if I wanted a refund because she wasn't authorized to issue refunds.
If the company had been straight with me -- as I believe they should be required to by law -- and asked if I was interested in signing up for the service, I would have said NO. Hiding charges in fine print is absolutely unacceptable. Signing people up automatically without asking, giving people a "free" 30 day membership, then charging them a monthly fee thereafter? It's just not right. A company should be required to ask you, "Yes or no, do you want to sign up for this service?"
I think you can understand how absolutely frustrating & infuriating it is to request a credit report in order to monitor my credit and maintain control of my finances, while also being screwed over by the very company that purports to be in the business of helping to protect me financially. CIC Triple Advantage is part of Consumer Info, which is part of Experian. Up until now, I thought Experian was a reputable company. I can't believe I got screwed over by one of the three major credit bureaus!
Here's what I did to get a refund and I hope it helps other to do the same:
Call CIC at [protected] to cancel your 'membership' and request an email confirmation from the rep you talk to. Write down the rep's name, time and date you called, etc. File an online complaint with the FTC so that they are aware of the problem. File a complaint with the Better Business Bureau. Their seal of approval is on the freecreditreport website and they ought to be aware of the problem. Write a letter to Consumer Info / P.O. Box 19729
Irvine, CA [protected] and explain your situation. Demand a refund within 30 days of the date of the letter. Mail it by certified return receipt request so you have proof of mailing and receipt. I included attachments with mine: a printout of all the complaints posted on this board to show that I'm not the only one and a copy of the complaint I filed with the Better Business Bureau.
Scan the letter and attachments and email a copy to each of the following employees who work with Consumer Info and ask them to review the letter and assist you:
Those people are customer service reps, presidents, vice-presidents, etc.
Robert Fosmire emailed back later in the day to say he'd forwarded my letter to an associate and she assured him that my money had been refunded. Also, when I got home from work there was a message on my answering machine from that associate telling me she'd just issued a full refund. We'll see! I'll definitely be back to post more if I don't see that money back in my account. I hope this helps other people to battle this scamming company. There really oughta be laws and severe penalties for this sort of thing.
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