I started noticing these $9.95 charges on my account. The first 2 I thought I had incurred when I asked for a credit report. But then I saw another one this month, so did a search on line and came across this site. Now I know I'm not the only one to be ripped off. I will be calling my bank in the morning, with this documented. Equifax ripped me off, and they were the ones to protect me.