Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #4737790
Complaint Overview
Complaint ID: 4737790
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 32837
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been paying to have my credit file as well as my wife 's credit file frozen for about XXXX to XXXX years or more. I did the same with for the other XXXX credit reporting agencies as well. Initially, the only way to get a freeze from Equifax was to pay as part of a monitoring program. Which I have done since I starting blocking my credit information. As it turns out the law changed in I think XXXX which would have rendered the services I was receiving from Equifax to now be available as a free service. On, XX/XX/XXXX, I contacted because my wife received a notice that they had cancelled her credit service. I eventually ended up speaking to a supervisor from at XXXX named XXXX or at at least that is what he told me. Anyway, after informing them of the fact that the only thing I needed from this service was to freeze my credit and monitoring, XXXX offered me a new product that was cheaper than what I was currently paying ( i.e. $ XXXX & $ XXXX ). The new product was only going to cost me $ XXXX. what a deal. Well the problem is, XXXX should have simply told me that I could be getting that service for free. I didn't discover this until I investigated more as you will see the date on the Consumer Financial site I found. I have been paying all these years for a service that was available for FREE and I was never offered to change!
Frequently Asked Questions
What is Complaint #4737790 about?
Complaint #4737790 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2021-09-20T12:00:00-05:00.
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, credit repair services, 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.