Credit reporting or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #19161245
Equifax Customer Denied Access to Credit Report
Complaint Overview
Complaint ID: 19161245
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: Pennsylvania
ZIP Code: 18101
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The inability to access a credit report or score can prevent consumers from monitoring their financial health, applying for credit, or disputing inaccuracies.
Consumer Sentiment: neutral
Topics: Credit reporting, Access to credit report/score
AI Analysis
CFPB complaint 19161245 was filed against EQUIFAX, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Unable to get your credit report or credit score". A consumer in Pennsylvania is experiencing an issue obtaining their credit report or credit score from Equifax, with the complaint currently in progress. The complaint was received on January 31, 2026 from Pennsylvania. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should ensure they have provided all necessary identifying information and try contacting the credit bureau via phone if web access is problematic.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and scores.
Regulatory Insight
Credit bureaus are expected to provide consumers with access to their credit information in a timely and accessible manner.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Pennsylvania, consumers have rights under state and federal laws to access their credit information.
Industry Comparison
This issue is common across major credit bureaus when technical glitches or identity verification problems arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161245 about?
CFPB complaint 19161245 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Unable to get your credit report or credit score", specifically "Other problem getting your report or credit score". This complaint was filed against EQUIFAX, INC. on January 31, 2026.
Which company is complaint 19161245 filed against?
Complaint 19161245 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 19161245?
EQUIFAX, INC. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161245 filed?
Complaint 19161245 was received by the CFPB on January 31, 2026. It was sent to EQUIFAX, INC. on February 1, 2026.
What state was complaint 19161245 filed from?
Complaint 19161245 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 19161245?
Dispute information is not available for complaint 19161245.
What product category is complaint 19161245 about?
Complaint 19161245 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 19161245 submitted?
Complaint 19161245 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161245?
The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and scores. This relates to a Credit reporting or other personal consumer reports complaint against EQUIFAX, INC. involving "Unable to get your credit report or credit score".
How likely is complaint 19161245 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161245?
This complaint is rated as medium risk. The inability to access a credit report or score can prevent consumers from monitoring their financial health, applying for credit, or disputing inaccuracies.
What regulatory actions apply to complaint 19161245?
Credit bureaus are expected to provide consumers with access to their credit information in a timely and accessible manner. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 19161245?
Consumers should ensure they have provided all necessary identifying information and try contacting the credit bureau via phone if web access is problematic.
Are there state-specific protections for complaint 19161245?
In Pennsylvania, consumers have rights under state and federal laws to access their credit information. This complaint was filed from Pennsylvania.
How does complaint 19161245 compare to industry norms?
This issue is common across major credit bureaus when technical glitches or identity verification problems arise.
What steps can a consumer take if Equifax continues to deny access to their credit report?
If Equifax continues to deny access, the consumer can file a formal complaint with the CFPB and consider reaching out to a consumer protection agency or legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.