Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
In complaint # XXXX, " the company '', Equifax responded that I was requesting an investigation regarding " errors '' in my report. This is inaccurate. As the complain # XXXX, this is not about errors ; it is a complaint against Equifax for not allowing me to view my report, a paid service. 

This complaint is a second complaint, because Equifax, whenever possible ( recently ) has either not assisted me, or in some cases, representatives attempted to sell other services instead of helping me access my report. 

This ordeal has been going on for several months. Multiple conversations with representatives, two supervisors, have not put me closer to any resolution. 

I was asked to fax drivers license, social security card and utility bill to XXXX. The supervisor who instructed me to do so, assured me that once the information is received, my credit file would be merged and everything will be resolved ; creditors and myself, would be able to access and view all tradelines, scores ( where available ). I recently applied for credit, and was informed that there are no tradelines on my credit file with Equifax, even though I have been in the credit bureaus ' systems since 1984. 

I have called several times, often on hold - before Coronavirus delays - for more than 30 minutes, only to be transferred, marketed other products and simply hung up on. I have spoken to 2 supervisors. The last supervisor, after my request, said she would transfer me and explain my situation to the department ( Global Fraud?? ) before bringing me on. I was on hold for over 1 hour, with no one coming on the line ... this is approximately 30 mins more than my usual hold time after multiple transfers.

The inability to access my Equifax credit file has prevented me from securing much needed financing lending solutions during this  difficulty time. I am married, with an illness, and have XXXX young children. I have a high deductible health plan that requires large out-of-pocket payments. 

In addition to faxing the requested documents to get my file fixed so that I can view it online, and credits - authorized - have access to it, the requested information was faxed and subsequently mailed view Priority Mail Express # XXXX XXXX XXXX XXXX US.

I have not received any correspondence, phone calls, emails or anything that would suggest assistance in this matter. The company 's ( Equifax ) response to the original claim XXXX implied that this was merely an issue " with errors '' ; but in reality, I can not view my file online to help determine errors, much less apply for credit because they are not making it accessible to me. 

I am very disappointed and frustrated, because Equifax, over a period of nearly a year now, has repeatedly ignored me and purposely refused to allow me online access to my credit file, services that, in some cases, I paid for. 

I would like for CFPB to escalate this investigation for me, in hopes that I will have effective immediate resolution.

Company response to consumer: Closed with explanation