They reached a stipulated settlement with FTC over deceptive advertising of their "free" credit report offer. They appear to respond to BBB complaints, including providing refunds, so if you believe they were deceptive in their advertising, file a BBB complaint and get your money back. If that doesn't work, file an FTC complaint, or with your state AG, since having settled twice and being subject to audit and heavy penalties for non-compliance, they probably can't say no.
From their BBB report: http://www.bbb.org/us/Find-Business-Reviews/#middle-result "... Additional DBAs creditmatters.com FreeCreditReport.com homeradar.com QSpace.com www.consumerinfo.com ... Complaint Experience Some complainants allege that they cancelled their membership but continue to be billed. In some cases, the customers said that they were not aware that they agreed to a membership program and as such believed the charges were not authorized. A few customers reported not receiving their credit reports online. The company responds to some complaints by issuing full or partial refunds, sending the free credit report, and canceling memberships when appropriate. The company explains that the customers agreed to their terms of service when they signed up. In some cases where the customer did not receive their report via the internet, the company explained that they have to be sure of the customers' identity before providing the credit reports online. ... Government Actions Agency: Federal Trade Commission (FTC)Washington Description: On January 8, 2007 Consumerinfo.com entered into a Stipulated Judgment and agreed to an Order for Permanent Injunction to settle charges that the company's offer failed to explicitly disclose that subscribers would be automatically signed up into a paid credit-monitoring program.
The FTC charged that ConsumerInfo.com had engaged in deceptive marketing practices through requiring credit card information for consumers to purchase their free credit report, then billing them $79.95 annually unless they opted out within 30 days. ConsumerInfo.com was also charged with violating the terms of a previous settlement with the FTC over similar practices in August 2005. The previous settlement required the company to pay $950,000 in penalties, as well as requirements for prohibiting the company from engaging in deceptive business practices.
The 2007 Order requires that the company more clearly disclose the terms and conditions of their services. The company agreed to pay $300,000 in Civil penalties, and is prohibited from advertising any of its services as related to the free annual credit reports consumers can receive each year from the major credit bureaus, under the terms of the Fair Credit Reporting Act. The order was entered without admission of guilt or wrongdoing by the company and was for settlement purposes only. ...
Complaint Closing Statistics The following grid displays the number and responses to complaints over the last 36 months:
No. of Cmpl Type of Response 5930 Making a full refund, as the consumer requested 1201 Making a partial refund 1641 Agreeing to perform according to their contract 1 Refusing to make an adjustment 7 Refuse to adjust, relying on terms of agreement 0 Unanswered 1 Unassigned 8781 Total ..."
FTC actually did a parody of their "restaurant singing pirate" adds, which you can find on youtube.
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https://800notes.com/Phone.aspx/1-877-481-6825
https://whocallsme.com/Phone-Number.aspx/8774816825
From their BBB report:
http://www.bbb.org/us/Find-Business-Reviews/#middle-result
"...
Additional DBAs
creditmatters.com
FreeCreditReport.com
homeradar.com
QSpace.com
www.consumerinfo.com
...
Complaint Experience
Some complainants allege that they cancelled their membership but continue to be billed. In some cases, the customers said that they were not aware that they agreed to a membership program and as such believed the charges were not authorized. A few customers reported not receiving their credit reports online. The company responds to some complaints by issuing full or partial refunds, sending the free credit report, and canceling memberships when appropriate. The company explains that the customers agreed to their terms of service when they signed up. In some cases where the customer did not receive their report via the internet, the company explained that they have to be sure of the customers' identity before providing the credit reports online.
...
Government Actions
Agency: Federal Trade Commission (FTC)Washington
Description: On January 8, 2007 Consumerinfo.com entered into a Stipulated Judgment and agreed to an Order for Permanent Injunction to settle charges that the company's offer failed to explicitly disclose that subscribers would be automatically signed up into a paid credit-monitoring program.
The FTC charged that ConsumerInfo.com had engaged in deceptive marketing practices through requiring credit card information for consumers to purchase their free credit report, then billing them $79.95 annually unless they opted out within 30 days. ConsumerInfo.com was also charged with violating the terms of a previous settlement with the FTC over similar practices in August 2005. The previous settlement required the company to pay $950,000 in penalties, as well as requirements for prohibiting the company from engaging in deceptive business practices.
The 2007 Order requires that the company more clearly disclose the terms and conditions of their services. The company agreed to pay $300,000 in Civil penalties, and is prohibited from advertising any of its services as related to the free annual credit reports consumers can receive each year from the major credit bureaus, under the terms of the Fair Credit Reporting Act. The order was entered without admission of guilt or wrongdoing by the company and was for settlement purposes only.
...
Complaint Closing Statistics
The following grid displays the number and responses to complaints over the last 36 months:
No. of Cmpl Type of Response
5930 Making a full refund, as the consumer requested
1201 Making a partial refund
1641 Agreeing to perform according to their contract
1 Refusing to make an adjustment
7 Refuse to adjust, relying on terms of agreement
0 Unanswered
1 Unassigned
8781 Total
..."
FTC actually did a parody of their "restaurant singing pirate" adds, which you can find on youtube.