Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #6283800
Complaint Overview
Complaint ID: 6283800
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: Florida
ZIP Code: 33410
Date Received: 2022-12-05T12:00:00-05:00
Date Sent to Company: 2022-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!
Frequently Asked Questions
What is Complaint #6283800 about?
Complaint #6283800 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 2022-12-05T12:00:00-05:00.
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.