Florida AG Investigates FreeCreditReport.com

The Florida Attorney General’s office has opened an investigation into FreeCreditReport.com for, “failure to adequately disclose negative option enrollment … deceptive advertising, misleading domain name, and failure to honor cancellations.”

FreeCreditReport is run by credit bureau Experian.

The investigation will also examine other Experian propetites, including Consumerinfo.com, Inc., Experian Consumer Direct; Qspace, Inc.; Iplace, Inc.; and the Web sites Consumerinfo.com; Creditexpert.com; and Creditmatters.com.

There is only place to get your annual credit report for free, AnnualCreditReport.com. Everything else is a scam or an attempt to deceive the consumer into paying for something they don’t need. — BEN POPKEN

FreeCreditReport.com Investigated [The Red Tape Chronicles] (Thanks to Scott!)

Comments

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  1. Hey Ben,

    You mention AnnualCreditReport.com a lot, but it is (obviously) US only.

    Do you know of any similar services for us living in the northern wilds of Canada?

    Thanks,

    -Andrew

  2. Ben Popken says:

    I don’t offhand, perhaps other readers know of a free, scam-free, credit report checking service for Canadians?

  3. SexCpotatoes says:

    Yeah, I dunno, but I was going to chime in that ours are free the once a year because it’s been legislated that we are entitled to it…

  4. Triteon says:

    SexC– US residents are entitled to one free report per reporting company per year…Experian, Equifax and TransUnion.

  5. MeOhMy says:

    But no mention of their OBNOXIOUS JINGLE which immediately becomes lodged in the brain at the mere mention of the name. Thanks, Ben, I’ll be singing that for the rest of the day.

  6. adamondi says:

    I hope the site goes down in flames. If nothing else, just to keep their insanely stupid commercials from infesting my Monday Night Football viewing.

    Now if there was only a way to get rid of all the other bottom-of-the-barrel commercials that ruin MNF for me.

  7. madderhatter says:

    … and Florida’s AG (Charlie Crist) was elected the next governor. Work just down the street from the Capitol building.

  8. Knowzy says:

    This investigation comes barely a year after Experian settled for a class action lawsuit for nearly a million dollars for almost exactly the same charges.

    Credit monitoring is nearly worthless and American consumers should have free access to their own credit report anyway.

    What other type of business can get away collecting dirt on you and then charging you to find out whether or not it’s true before they tell your business partners and employers. It should be a crime!

    Experian needs to get what’s coming to them (again). If you can only get people to pay for your service by conning them into it, perhaps it’s not a very valuable service!

    Jeff
    who says… Credit Monitoring Services are a Rip Off!

  9. I’ve done a bit of research into this since and discovered that Canadians *can* get a free credit report per year from Equifax and Transunion.

    However, we have an additional hurdle. They only accept submissions by mail. You can find the forms on their respective websites, but you have to physically mail everything in (once you finally locate the forms) in order to get your free credit report.