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Experian / ProtectmyID useless

komondor 5,848 2,388 February 6, 2016 at 10:45 AM
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Last Edited by komondor February 6, 2016 at 11:16 AM
I signed up for Experian Protect Myid thru my employer due to the Gov't data breach a while ago. I received an alert today and it was a double hard pull on my credit report thru Experian.
Protect Myid is an experian company.

I attempted to call the phone number on the web site, the phone tree has nothing on it to report an issue?

I chose the general question one and was transferred and then told they had a high call volume to please wait after 25 minutes I was sent to voicemail without me choosing it.
Great service they send you and alert that you have a stolen credit card that is being used and the best they can offer is to leave a voicemail?

To make it even worse the website send me over to the experian page to check my credit report, the 2 HARD pulls are not even on my report as it ti not current?

Useless does not even describe how the service is, fortunately the Gov't also offered credit monitoring thru a different company and I guess I will sign up for theirs and see if it is any better.

Just requested a credit freeze, unable to do online for unknown reason they ask for the same information I just provided so i just did screenshots and submitted them, useless company. Of the 3 companies this is the only one I have had an issue with and the only one with a negative item on my reaport.

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Joined Jul 2008
L10: Grand Master
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#2
So the service notified you that there were two hard pulls on your credit report and you don't recall authorizing them? I don't know if you can really say that the service is useless since there aren't many other ways to get immediate notifications of credit inquiries.

Brian Krebs suggests that Credit Monitoring / Protection services are mostly only useful for the notifications that they provide, but not for any prevention. Are Credit Monitoring Services Worth It? [krebsonsecurity.com]

You may need to go through the credit bureaus directly yourself to resolve this rather than the ProtectMyID service. Here are some recommended steps to take: http://www.creditcards.com/credit...s-1270.php

If you have an ongoing problem with fraudulent credit applications in your name then you might want to place a fraud alert on your accounts as described in the Krebs article above or implement credit freezes.
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Last edited by dhc014 February 6, 2016 at 11:29 AM
Joined Jun 2005
Let Sleeping Dogs Lie
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#3
I did contact experian and that is where I was on hold for 25 minutes then shuffled off to voicemail, I also updated my post with the inability to put a hard freeze on my account online for no apparent reason?
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#4
I just had a similar situation happen to me about a week or two ago, but handled it completely differently and can say I was happy with the ProtectMyID service. I had an account opened fraudulently in my name also, but instead of calling Experian, I called the fraud line of the company that was listed on the hard pull on my notification (Capitol One Bank in my case). It was a fairly quick process and they closed the account without much trouble. I then went back to Experian and put a 90 day preliminary fraud alert on my account, which then was populated to the other credit bureaus automatically.

Remember, this is not a fraud protection service, it is a CREDIT MONITORING service. It did exactly what it was supposed to do - it notified you immediately that something changed on your credit report.
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Last edited by Pitter98 February 16, 2016 at 11:02 AM
Joined Jun 2005
Let Sleeping Dogs Lie
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#5
I don't know they use protection a lot

Protection

Our world-class security and technology standards enable us to continuously monitor for identity theft. It doesn't hurt that we are a part of Experian®, a global brand in identity protection. As the largest credit reporting agency, Experian meets the highest requirements of regulation and compliance. Together with Experian, we're recognized world-wide as protection leaders. Experian was the first to launch online consumer credit monitoring with a history steeped in consumer credit experience. What does this mean for you? Not only can we access your personal data in a secure manner, it also means you get powerful identity protection that leverages the innovation of Experian.

protection backed by Experian®, a global leader in protection products.

My issue was the email notification was late and notified me of the 2nd hard pull not the first. Monitoring should alert you to a hard pull I received alerts for a soft pull from JC Penney.
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