I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!