I am a retiree concerned about identity theft. So, I logged onto XXXX and tried a few times to request a free credit report from Experian. At the end of the application process each time, I received a message stating : " We are unable to process your request ''. Out of frustration, I logged into www.Experian.com and saw that I could order a credit report if I created an account with Experian and paid only {$1.00}. I did n't see the fine print saying I would be charged monthly if I did n't cancel my account within a 7 day free trial period. After signing up, I received an email from Experian welcoming me, but it did n't mention a 7 day trial or any pending monthly fees. A month later, I was surprised to see that Experian had charged my credit card {$21.00}. When I called to complain, the first person that answered said they could n't refund the charge. When I asked to speak with the supervisor and the person said OK and put me on hold -- I waited for 15 minutes and hung up. When I called back a second time, a different person answered the phone. She agreed to cancel my account and refund the charge, but said if I had waited until XXXX or more charges had been made, they would n't be able to refund the earlier charges. It seems clear to me that Experian is deliberately try to fool people into signing up for the $ XXXX/month service and hoping they do n't notice for a few months. As a minimum, I think : ( a ) Experian should n't be allowed to block efforts to order a free credit report through XXXX, ( b ) their website page offering a credit report for {$1.00} should conspicuously warn the customer about what happens if they do n't cancel within 7 days and ( c ) their welcoming email should again warn the customer about the pending monthly charges. If the customer does n't want the service, they would see the warnings and cancel within 7 days. If the customer did want the service, they would ignore the warnings and continue with Experian. I think it is ironic and totally improper that a company we rely on to protect our financial well-being would resort to such devious practices to increase their profits!