In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.