I was getting a free credit report from Experian on July 11. I then checked my bank account online on July 28 and I saw something that said "CIC*Triple Advantage" and next to it was a phone number 877-481-6825. I called it thinking that Experian had mistakenly charged me for something, but the rep answered I found out it was from freecreditreport.com.
So I continued to talk to her asking her why I'm being charged for this service I never signed up for especially considering the fact that I was never on freecreditreport.com. According to her I had signed up for it by checking the terms and agreements box and she also went on to say that the website stated it 3 times that I was signing up for it. At this point I must note that she was quite rude; so I'm guessing that by the tone of her voice this wasn't the first time she dealt with this, but that's hardly the point.
I logged on while I was still on the phone with her and I could fine any evidence of me ever signing up for this. There was even a section (that wasn't an ad) prompting me to sign up for Triple Advantage suggesting that I have not signed up for this and being urged to do so. Now here's the weird part, usually when you have an online account with a financial institution (banks, online stock brokers, PayPal, etc.) you can usually find and read the terms and agreement statement when ever you want, but in this case I couldn't find it. So I couldn't reread the document and see if the rep knew what she was talking about. Anyway I canceled this service and I'm on the lookout to see if it really was canceled and to see if I'm signed up for other services that I never agreed to have.
What's grotesque about this is that this happened to me once before in 2004 from the same people FreeCreditReport.com. Back then I didn't understand the system and I was checking my credit report for the first time so I let it slide, but this time I'm sure I didn't see and mention of FreeCreditReport.com or Triple Advantage.
I'm not sure what's exactly going on here or how I end up signing up for these things where I clearly do see and confirmation telling me this is happening or what I should do now, but I'm considering looking into class action lawsuits. I did a Google search and found that my situation isn't unique. There have been a lot people who had this happen to them. I'm looking for any class action lawsuits filed against FreeCreditReport.com or Experian on websites such as SueEasy.com and etc.
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