The easiest way to share my experience with creditreport.com is to simply share the email correspondence I sent them over the past several days - with no response from them whatsoever, mind you.
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To: support@creditreport. ComTue, Nov 16 at 7:52 AM:
My wife and I both enrolled with creditreport.com on Sunday night. During the enrollment, I was asked whether I wanted you to share my personal information with third-parties, and I purposely declined. Now, suddenly I am getting dozens of SPAM emails in my Gmail inbox. Coincidentally, my wife (who inadvertently did not decline) is getting the exact same spam messages, which strongly suggests that you did not honor the fact that I declined, and that you gave my and my wife's information to the same spammers. I am very upset about this! Of course I know it's too late to stop the spam now because my information has probably been shared with countless spammers (who themselves have undoubtedly turned around and sold my address to other spammers). Nevertheless, please check my account and make absolutely certain that I am removed from any information-sharing with your partners from now on. Please reply to this email to let me know that this has been taken care of. Thank you.
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To: support@creditreport. ComWed, Nov 17 at 8:24 AM:
I am waiting for your reply. Now your outrageous breach of my privacy has people sending me SPAM TEXT MESSAGES on my cell phone! Who will pay for these unwanted text messages?! YOU? How DARE you share my personal information against my will! I am furious! I demand a reply!
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To: support@creditreport. ComWed, Nov 17 at 5:16 PM:
After two attempts to elicit your feedback with still no effort from you on rectifying the situation, I called to cancel my subscription with CreditReport.com.
I just got off the phone with your telephone operator Tasha, who informed me that in addition to the "free trial" subscription in which I enrolled, I had somehow inadvertently ordered a "3-bureau combined report" that was not a trial, but rather was a one time non-refundable charge. This was not clear on your website at all - I was promised when signing up for my trial period that I would get my three credit bureau reports, yet when I got through with that order, only my TransUnion report was provided to me. So when searching your website for the link to access all three of my scores - WHICH I WAS LED TO BELIEVE WAS INCLUDED IN MY FREE TRIAL — somehow I apparently clicked on this additional $24.90 report which I now come to learn is non-refundable. Unacceptable!
Your web designers need some serious remedial courses in usability — unless of course it was your intention all along to "trick" people into ordering these additional reports while thinking they are participating in a free trial. Based on your shady practices with sharing of my contact information AGAINST MY WILL, I am inclined to believe the latter.
I am absolutely beside myself with frustration over this. NOT ONLY has your company disbursed my email address and cell phone number all over the Internet for spammers to clog my inbox and consume my text message limit; but now I am being asked to accept being charged $24.90 for what amounts to nothing more than the displeasure of having my contact information sold out.
I want you to know that I fully intend to report this experience with the Better Business Bureau; in addition I intend to report this experience in every available public venue at my disposal (Facebook, Twitter, etc.), so that others who have the misfortune of finding your site on Google will beware your absurdly misleading website and outrageous business tactics. I hope for your sake as a business that you will take this criticism to heart and cease and desist foisting your underhanded money-making schemes on the online public.
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ADDENDUM: After sending the above email, I went to fico.com and learned that - on top of everything else - all three credit scores provided by creditreport.com were GROSSLY INACCURATE! The fico.com score was almost 100 points different than the scores provided by creditreport.com. I must also take this opportunity to HIGHLY RECOMMEND FICO.com for anyone who is looking for their credit score and credit history. The fico.com site is delightfully easy to use, and incredibly thorough, both in the depth of information they provide, as well as clear descriptions of my particular history and of the credit reporting industry as a whole. A very stark contrast to the muddled, confusing, misleading, and ultimately DECEPTIVE organization of the creditreport.com website.
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