Experian and Consumerinfo.com have been slapped with a class action lawsuit for allegedly misleading consumers about free trial memberships for credit report and FICO score services.
Plaintiff Nada Tadic brought the class action lawsuit alleging the companies falsely represent that consumers can cancel their memberships to their $1 seven-day trial or the $29.95 monthly membership at any time without charge. Tadic claims that instead, consumers wishing to cancel their membership have to call a toll-free number and are then placed “on hold indefinitely” in an attempt to intentionally circumvent the cancellation process and continue to charge for memberships.
Experian and its Consumerinfo.com business solicit customers to enroll in their services, telling them: “See Your 3 Credit Reports & FICO® Scores* for just $1!” 1 Experian further states that “[w]hen you order your $1 3-Bureau Credit Report & FICO® Scores, you will begin your 7-day trial membership in CreditCheck® Total. If you don’t cancel your membership within the 7-day trial period**, you will be billed $29.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.”
However, the Experian and Consumerinfo.com membership class action lawsuit states challenges this claim, calling it false and misleading.
“A consumer cannot actually cancel “anytime” because the only way to cancel a membership is to call a telephone number that puts you on hold indefinitely, sometime projecting up to a 7 hour wait time. While a consumer can easily sign up for the service online, Experian has intentionally made the process of cancellation impossible by creating a situation where the consumer must sit on hold for inordinate amounts of time,” the Experian and Consumerinfo.com membership class action lawsuit states.
According to the 32-page complaint, Tadic says she and other consumers became frustrated after being placed on hold indefinitely for hours and eventually gave up waiting. Tadic goes on to share that throughout the trial membership period, she attempted to cancel her membership but had no success in reaching a live individual. Because of not being able to speak with a representative, her trial membership period ended and she was charged $29.95 monthly.
Tadic’s claim is echoed by a large number of consumer complaints against Experian and Consumerinfo.com and this service. Many consumers have had the identical experience with trying to cancel before and after the trial period ended.
Tadic is seeking to represent a proposed nationwide Class comprised of all customers, who enrolled in Experian and/or Consumerinfo.com’s $1 credit checking services at CreditCheckTotal d and were later charged a monthly service fee that they had attempted to avoid by cancelling, along with a Georgia subclass.
The proposed Class is represented by W. Lewis Garrison, James F. McDonough III, Travis E. Lynch, Jonathan Miller, and Chris B. Hood of Heninger Garrison Davis LLC.
The Experian and Consumerinfo.com Membership Class Action Lawsuit is Tadic v. Experian Information Solutions Inc. et al., Case No. 1:18-cv-02911-TWT in the U.S. District Court for the Northern District of Georgia, Atlanta Division.