Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #5876025
Complaint Overview
Complaint ID: 5876025
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Problem getting your free annual credit report
State: Massachusetts
ZIP Code: 024XX
Date Received: 2022-08-13T12:00:00-05:00
Date Sent to Company: 2022-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For years -- yes, for years -- I have been unable to get a credit report from Equifax. Whenever I go through the process of verifying my identity, the recorded voice tells me that they could not verify me. But I'm quite confident that I answer the questions used to verify my identity correctly, since I refer to a different credit report to confirm dates and accounts before answering the questions. I went through this twice today, XX/XX/2022. When I couldn't get my identity verified through their automated system, I wasted a couple of hours trying to get my an agent to provide my credit report and unfreeze my credit. I waited on the phone for well over an hour before finally giving up. Equifax 's phone queue doesn't provide an estimated wait time or the chance to request a callback. How long am I supposed to wait? I tried using their " myEquifax '' portal but could not log in and they would not let me reset my password. I could not create a new account because they told me I already had one. So using the telephone is my only option outside of the lengthy process of collecting a variety of personal information and sending it for verification. This is ridiculous. The other credit bureaus have no problem confirming my identity. What's wrong with Equifax?
Frequently Asked Questions
What is Complaint #5876025 about?
Complaint #5876025 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2022-08-13T12:00:00-05:00.
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.