I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?