Credit reporting, credit repair services, or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #6317374
Complaint Overview
Complaint ID: 6317374
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: Missouri
ZIP Code: 630XX
Date Received: 2022-12-13T12:00:00-05:00
Date Sent to Company: 2022-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I would like someone from Equifax to contact me who can freeze a minor 's credit or verify a minor 's credit has been frozen. Your company has refused to freeze my minor son 's credit, and I am at the point of lodging complaints with the XXXX, my state 's attorney General, my state 's consumer protection division, the Department of Justice ( as it is federal law you are breaking ), the Federal Trade Commision, a private lawyer, and the Federal Consumer of Financial Protection Bureau simply to get a response from your company. I have submitted all necessary documentation multiple ( up to 5 ) times since I have been trying since XX/XX/2022 to get my minor son 's credit file frozen, and you have refused to do so. The first time I mailed in all necessary documents, I received no response from you at all. I have called you at least four times, minimum, and no one has been able to answer any questions over the phone or direct me to anyone who can help. I have mailed and faxed you all necessary documents five times and only receive form letters back telling me they can not find the file or asking me submit the exact same documents I just did. ( I have had multiple people check the documents I have sent against the form letters. ) I have also faxed you at least two times and emailed explaining the situation and asking for someone to call me back and have received no response. At this time, I have no idea whether you have created a file for my minor son that is not frozen and puts him at risk of identity theft, or if he has a frozen file with an incorrect address ( that he has never lived at ) that puts him at risk of identity theft with documents sent to someone else, if he has a frozen file with a correct address, or if he has no file and no freeze that puts him at risk of identity theft. In summary - you refuse to freeze my minor son 's credit according to the federal law. You will not answer my questions by phone, mail, or fax. You are breaking federal law, and I need someone to contact me to resolve this immediately. XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #6317374 about?
Complaint #6317374 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2022-12-13T12:00:00-05:00.
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.