[markdoubleyou]

I have a free Experian account that I look at every few months.

Every time I log in, a big, disorienting interstitial appears and pitches me on Experian CreditWorks Premium ($25/month), with fields asking for my credit card info. It's designed like it's part of a normal registration/login process that you're supposed to fill in. You have to scroll down past all of it to the bottom of the page and click the washed-out, kind-of-disabled-looking button that says "No, keep my current membership", at which point they reluctantly take you to your normal account overview page.

[toomuchtodo]

Please file an FTC complaint. It’ll get to the right people.

https://www.ftc.gov/news-events/news/press-releases/2021/10/...

https://www.ftc.gov/reports/bringing-dark-patterns-light

[markdoubleyou]

The problem is that they don't blatantly violate any of the policy bullets in that FTC press release... all the terms are spelled out in the interstitial. The issue is that the design goes out of its way to give it a very mandatory vibe. I don't log in very often, but I always have to catch myself ("...wait, what is this? Do I have to do this?"), and then remember to go hunting for the NoThanks button. It has a very opt-out feel.

[user3939382]

I feel like, if the government regulated the CRAs rather than the other way around, Equifax wouldn't exist or in any case have a license to collect credit data after what they did.

[scsh]

In addition, if they are sending email through a provider like Sendgrid, etc. you should send an abuse complaint directly to their provider.

[sneak]

Any system of regulation that depends on end users to police for violations and fill out government forms en masse to get results is a bad system.

"We only enforce if notified, and only if we are notified a lot by many different people of the same violations" is extreme negligence, in my view.

[mortenjorck]

Beyond the inconvenience, it's ultimately just insulting. I can only imagine the number of decimal places at which conversions budged upward from such a transparently belligerent implementation of a modal, and yet some miserable product manager made the call to ship it. What an utter waste of everything that went into producing such a wretched, parasitic product.

Have I mentioned I don't particularly like Experian?

[nerdponx]

It's insulting because it reflects exactly how decision makers at Experian feel about you as a human being.

[dougSF70]

Yes, every time I do a double take. My brain is thinking should I press the button that looks disabled or should I press this shiny looking button here...

[mikecoles]

I experienced the same nagware screen. It was suspicious that the "No, I don't want to upgrade" button would be replaced by the "Yes, please take my money" button at just the time a user would be clicking to decline.

[40four]

Yeah it’s really annoying. I guess I’ve just sensitized myself to ignore it and click through.