Experian, ConsumerInfo.com’s ‘Cancel Anytime’ Policy for CreditCheckTotal.com Trials is a Lie, Class Action Alleges

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Experian Information Solutions, Inc. and ConsumerInfo.com, Inc. are the defendants in a proposed class action lawsuit that centers on the companies’ free trial cancelation policy for their CreditCheckTotal.com website. The plaintiff, a Georgia woman, alleges that the defendants’ promise that consumers can cancel trial memberships for CreditCheckTotal.com at any time is false and misleading. The only way to cancel a trial membership, the 32-page complaint says, is “to call a telephone number that puts you on hold indefinitely,” with wait times that sometimes eclipse seven hours.

“While a consumer can easily sign up for the service online,” the suit reads, “Experian has intentionally made the process of cancellation [sic] impossible by creating a situation where the consumer must sit on hold for inordinate amounts of time.”

The lawsuit outright alleges that despite statements made in advertisement and promotional materials, the defendants scam CreditCheckTotal.com users by not allowing the consumers to leave their memberships during the $1 seven-day trial period, nor after said period has concluded. If a consumer does not cancel his or her membership within the trial period, he or she is saddled with a $29.95 per month charge, the case says. 

According to the lawsuit, the defendants give consumers no method of canceling their trial memberships other than by calling a toll-free number. Many proposed class members ultimately became frustrated with being on hold for hours at a time and eventually gave up, the lawsuit says. Adding insult to injury, even after consumers are hit with the defendants’ $29.95 monthly fees, they still cannot cancel their memberships—unless they call the toll-free number, the case claims.

Despite hundreds of consumer complaints filed online that revolve around the inability to cancel their memberships, Experian and ConsumerInfo.com have done nothing “except for continuing to take their money monthly,” according to the lawsuit. 

The complaint can be read below.