My husband and I were directed to Experian to get a 'free' credit report in October, 2009. We were leery that they asked for credit card numbers but went forward anyway. TWO different accounts were charged $14.95 per month, one for each of us. Different websites are listed on each bill and none of them get you to them. No phone numbers to contact them. Since one of our accounts was a debit the bank removed the charge but it comes again every month. Finally customer service at my Old Navy Visa gave me a phone number that worked. They told me that somewhere in the 'free' credit report website it told us we had to cancel our 'membership' within 7 days or we would be billed the amount each month. Kept asking for SS numbers which I refused to give. Offered one months refund, still giving them a $60 profit. I didn't let up. They have now told me to fax the three months of statements from each account in order to 'review' it and someone will then call me. We'll see. The phone number is 866-369-0417 in CA. Don't be intimidated and good luck!