Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: SC
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

Complaint:
Im sending this in because equifax didnt answer my previous cfpb complaint. They did reply pretty quickly and finally sent me my credit report ( ONLY 3 MONTHS LATE!!!!!! ) but they didnt answer my question about the mix up, about what happened, they didnt even try to answer it. PLEASE DON'T IGNORE PEOPLE!! What happened? To help make sure this is as easy as possible for the person not wanting to do their job, here 's a copy and paste of the previous complaint. " " '' To make a long story short, there was activity with my bank account and through another credit bureau ( not equifax ) that i didn't recognize so i placed a fraud aleart/credit freeze on my credit through another credit agency. Heres the problem, i originally pulled all 3 of my reports but i never received one from equifax, i tried calling into equifax to ask why i never received a credit report but nobody wanted to help me, like AT ALL!! The only thing they kept instantly repeating is you need to send in photocopy 's of personal documents like drivers license, ssn card etc. I talked in over with a friend and they said they probably just dont have your information on file. I received a letter from equifax in XX/XX/XXXX saying " as you requested we successfully placed a fraud alert on equifax credit report. This alert will remain on your equifax credit report for one year ''. The letter then goes into how the frraud alert will be passed onto XXXX and XXXX and lists some contact information for equifax. Your probably already beginning to see the problems. Do i have a credit report with equifax or not? Id like an answer to that. If i do have a credit report then why did i have to goe through all of the personal document XXXX on the phone? please keep in mind, that doesnt go over well since someone probably stole my identity and someone from from equifax is asking ( more like demanding, Your welcome to listen to the recorded phone calls, i swear im not lieing! ) for photocopys of my personal documents for apparently no reason at all. I wonder how my lawyer would look at that. You cant blame me for saying that, Seriously, do you except me to say to that? Why did i need to send stuff in like AT ALL since i apparently have a credit report? And if i did then were is the original report that was Supposed to be mailed to me run off to? if i dont have a credit report then why did i receive a letter saying i did have one? If i dont have one then whos credit report did the freeze get placed on? Did equifax screw something up and label me as someone else, does someone else have my information? Even if equifax isn't at fault for that, is that the person that stole my identity and equifax did nothing about it even with a credit freeze in place? Imagine how well that would go over in court if that's true! Btw, if i do or dont have a report is a different issue, The people on the phone have so far been stubborn with helping me so how do i unfreeze the report when ready because that seems like a bit of a problem? You probably got my point by now. Equifax just keeps digging a bigger hole for themselves here and im getting tired of having to try to make sense of equifaxes pointless bs. For once someone at equifax should FINALLY do their job. Im at a loss for words here so ill wrap this up. If equifax doesnt figure this out, at least partly then ill see equifax in court. i dont want to go that way but with the way equifax has treated me so far, i dont think id have another choice. WHATS GOING ON!!? Btw, if the person at equifax that receives this cant help me then please pass this onto someone that you think that can help me or even someone as simple as your boss, Id like to get to the bottom of this so please dont just ignore this. '' '' ''

Company response to consumer: Closed with non-monetary relief