Now it starts: ____________________________ A class-action suit is filed against the company for deceptive advertising. You may not know Experian for its company name, but most likely you've heard or seen one of its advertisements for free credit reports dot com. They have those catchy jingles -- some may call them annoying -- and tell stories about how people end up out of luck because they hadn't checked their credit. College student Erica Possin saw an ad when she was thinking about buying a new car. She went to the site, entered her credit information and received a credit report. Six months later, she noticed charges of $14.95 on her credit card statement. Possin canceled the service and requested a refund, to no avail. So she decided to sue, becoming the lead plaintiff in a class-action lawsuit against Experian seeking to "stop the fraud and seek compensation for the tens of thousands of consumers deceived by Experian's free credit reports dot com. to the tune of millions of fraudulently obtained profits." The suit alleges that Experian requires consumers to enter personal information when they go to the Web site, which it then uses to enroll them into its Triple Advantage credit-monitoring program -- and charges them $14.95 per month -- without letting them know. The suit charges that free credit reports dot com. ads misrepresent the costs of the service it provides to consumers," Possin's lawyer, John Balestriere, told CNNMoney.com. "The only price mentioned anywhere is 'free,'" he said. Courthouse News Services first reported the lawsuit. The Better Business Bureau has received more than 11,000 complaints about free credit reports dot com., and Experian has settled two charges with the Federal Trade Commission over deceptive-advertising charges related to another of its credit-monitoring sites, Consumerinfo.com. The http://www.fdic.gov/consumers/consumer/alerts/facta.html, which was passed in 2003, required the credit-reporting bureaus -- Experian, Equifax and TransUnion -- to each provide one free copy per year of a person's credit report upon request.