Credit reporting or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #8974488
Complaint Overview
Complaint ID: 8974488
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: Texas
ZIP Code: 76063
Date Received: 2024-05-09T12:00:00-05:00
Date Sent to Company: 2024-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Equifax 's refusal to provide me with a copy of my entitled free credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to the law, consumers are explicitly granted the right to access their credit reports free of charge. Their website consistently presents errors and prompts me to call a provided code for assistance. However, my attempts to resolve the issue over the phone have been fruitless. After undergoing identity verification procedures, representatives informed me that they were unable to assist and instructed me to submit documents via mail. This course of action is unreasonable and impractical, as I lack the means to do so, especially when electronic access to my credit report should be readily available. This egregious behavior from Equifax not only impedes my access to essential financial information but also undermines the integrity of the banking system. I demand an immediate resolution to this issue. They must rectify their website errors, provide me with electronic access to my credit report as mandated by law, and ensure that their representatives are equipped to assist consumers effectively. Failure to do so will result in further action to uphold my rights and hold Equifax accountable for their infringement on the banking system.
Frequently Asked Questions
What is Complaint #8974488 about?
Complaint #8974488 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2024-05-09T12:00:00-05:00.
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 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.