Credit reporting or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #12375197
Complaint Overview
Complaint ID: 12375197
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Texas
ZIP Code: 770XX
Date Received: 2025-03-07T12:00:00-05:00
Date Sent to Company: 2025-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint regarding an issue with XXXX XXXX XXXX XXXX and Equifax. I recently applied for an auto refinance loan through XXXX XXXX XXXX XXXX, but they are unable to retrieve my credit report from Equifax. The credit loan officer has informed me that my personal information does not match their records, and every time they request my credit report, nothing is returned. I have contacted Equifax multiple times, and they have confirmed that there is no freeze or fraud alert on my file. I have also verified that there are no errors in my personal information within their system. Despite this, XXXX XXXX XXXX XXXX still can not access my credit report, preventing me from proceeding with my loan application.
Frequently Asked Questions
What is Complaint #12375197 about?
Complaint #12375197 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2025-03-07T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.