Vertrue and Adaptive Marketing are allegedly failing to properly disclose to consumers that the consumer is signing up for an expensive credit monitoring service when that consumer visits certain web sites including Free Score, Credit Diagnosis, Credit Adapter and Privacy Matters.

This is a class action investigation and potential class action lawsuit against Vertrue Inc. and Adaptive Marketing LLC relating to its credit monitoring services.

Vertrue and Adaptive Marketing operate and receive revenue from perhaps hundreds of on-line subscription based membership programs including for example such membership sites as FreeScore, Privacy Matters 1-2-3, Privacy Matters Identity, 24Protect Plus, Credit Diagnosis, Credit Adapter, Credit Score Express, At Home Rewards, BusinessMax, Cross Country Savings, DealMax, Home Savings Mall, Food and Fix, Getaway and Save, Leisure Exclusives, My Great Deals. Passport to Fun, Savings Ace, SavingsSmart, Shopping Essentials, Simply You. Todays Escapes, ValueMax and Your Savings Club.

One category of membership programs owned and operated by Vertrue and Adaptive Marketing are credit monitoring services. With these services, Vertrue and Adaptive Marketing entice a consumer to join by offering a free credit report, but in fact unknown to the consumer, he is in fact signing up for an expensive membership program with a reoccurring monthly charge.

It is difficult to determine the exact number of credit monitoring services owned and operated by Vertrue and Adaptive Marketing, but research seems to suggest that Vertrue and Adaptive Marketing own FreeScore, Credit Diagnosis, Privacy Matters and Credit Adapter.

This class action investigation is based on consumer reports that consumers believe that they are receiving a free credit report, but in fact are unknowingly signing up for on of Vertrue and Adaptive Marketing's credit monitoring membership. Consumers report that Vertrue and Adaptive Marketing are:

(1)failing to disclose properly that there is a monthly charge for the service;

(2) failing to disclose that the monthly charge is reoccurring;

(3) failing to properly disclose that a consumer can cancel the membership during the "7 day free trial";

(4) failing to properly disclose that a consumer can cancel during the membership term; and

(5) failing to properly disclose how a consumer can cancel.

If you are a consume that experienced the misleading and deceptive practices of Vertrue and Adaptive Marketing, please let us know.