USER ACCOUNT LOCKED AND I NEED TO PAY TO UNLOCK IT

Hello you interesting devils. I subscribed for a product with you. I subsequently could not make a payment on that product. Tried to login this morning but forgot my username. Called in to get my username I am told my account is locked because I did not pay for a product. Indicated I do not want it anymore. I am told I am forced to take it for my account to be unlocked? Where the **** is the logic there? If you do not want to offer free credit reports annually just say so. All I needed was to login. I find this unfair.