I have filed a complaint with the Attorney General's Office and Fraud Dept. at my financial institution and I suggest all who were defrauded of funds from their accts unauthorized transactions for credit reports do the same. I DID finally contact ALEX at credit.com which is another website affiliated under the phone number 1-866-883-3309 (make sure you dial the 1) and they are refunding my 14.95 within 3-7 business days. I am furious! It took me alot of research...HOURS to find out WHO mni*creditreport.com was and it linked back to many websites created to include credit.com. This is inexcusable FRAUD. I should also charge them with the time I spent on a workday to research what happened and how to get my money back. If I do not see it refunded in 3-7 days...there will be bear for dinner. At this point I am looking at charges to be filed. Imagine everyone who may have had overdraft charges on accts or just do not know yet. Millions of $$$$ for fraud and bank resources. SOMEONE NEEDS TO pay attention! Always check your balances and unauthorized transactions.