Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: NY
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:
I am currently in the process of obtaining a mortgage. I signed a contract and put XXXX XXXX down on the house. I have a deadline and I am endangered of losing our deposit. When the mortgage ran the three credit reports they received reports back from XXXX  and XXXX  but not Equifax. The report was not completed because it had a " Beacon Hold ''. I called Equifax and they made me provide them with ID Verification which I faxed to them. I called them back two days later and they stated that I should be able to run the credit report with no problem.They stated that there were no blocks or holds on my account. So I paid to run the report again and the mortgage company got the same message. I called Equifax again and they stated that I needed to sent them another ID Verification after the agent refused to give me access to my account. I asked to speak with the supervisor who then provided access. The supervisor stated that there were no problems and to have our mortgage company contact them directly. The mortgage company contacted them the next day but was not allowed access because Equifax did not have my correct birthday. I called Equifax again and had to speak with a supervisor again because the agents would not give me access to my account. They resolved the situation and the mortgage company ran my credit again and the " Beacon Hold '' came up again. I called Equifax again and I had to be transferred to a supervisor for access to my account. The supervisor stated that it was the third party company XXXX XXXX XXXX that was holding the process up. I called XXXX XXXX XXXX with my mortgage counselor and they instructed that I call XXXX because they are the ones responsible for credit scores. XXXX informed me that Equifax probably does not have any credit history and instructed that I call them and make sure that was not the problem or ask to have my credit reports merged. When I called Equifax I had to speak with a supervisor again because the agent could not verify my identification. The supervisor stated that I had no credit history and to call my creditors. 

I called XXXX XXXX with whom I have my credit cards and an auto loan. XXXX XXXX stated that they have been sending my credit history to Equifax since 2014. I called Equifax back and they stated that they have no record of XXXX XXXX and to call them back and make sure they are sending it to the correct person because my dad and I have the same name. I called XXXX XXXX back and they stated they have the correct information and have been sending it to all three credit agencies. We have been going back and forth with Equifax for the last 10 days and may lose our down payment and home because of their negligence. 
I need Equifax to allow my mortgage company to pull my credit report with my credit history and provide my credit score as soon as possible so I do not lose my deposit on the home I want to purchase before the deadline.

Company response to consumer: Closed with explanation