Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: FL
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:
Subject : Complaint Against Equifax for Failure to Provide Credit History and Credit Score I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for its failure to provide my credit history and credit score upon my request, especially online I'm unable to view any of my credit history or score. Despite my effort to resolve this matter through direct communication with Equifax, I have been unable to find a satisfactory resolution. 

I have consistently monitored my credit standing and financial health, and as a responsible consumer, I believe it is my right to access accurate and up-to-date information regarding my credit history and credit score. Unfortunately, despite my numerous attempts to obtain this information from Equifax, they have consistently failed to provide it or especially online. 

This violation by Equifax raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, Equifax 's actions constitute a violation of the following provisions : 1. Section 609 ( a ) ( 1 ) of the FCRA : This section requires consumer reporting agencies to provide consumers with a free copy of their credit report upon request. Equifax 's failure to provide my credit history is a direct violation of this provision.

2. Section 609 ( a ) ( 2 ) of the FCRA : This section states that consumer reporting agencies must provide consumers with a free credit score upon request. Equifax 's failure to provide my credit score is a violation of this requirement. 

3. Section 611 ( a ) ( 1 ) ( B ) of the FCRA : This section mandates that consumer reporting agencies must investigate and respond to consumer disputes within 30 days. Equifax 's lack of cooperation and failure to address my concerns within the specified time frame is a violation of this provision. 

Furthermore, I believe Equifax 's actions are in direct violation of my rights as a consumer under the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information. It ensures that consumer reporting agencies, such as Equifax, act responsibly and provide accurate and complete information to consumers. 

XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : This legislation created the Consumer Financial Protection Bureau ( CFPB ) with the mandate to protect consumers in the financial marketplace. Equifax 's failure to comply with my legitimate request for credit history and credit score is a violation of the CFPB 's mission. 

In light of the aforementioned violations and the resulting harm caused to me as a consumer, I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Equifax. I also urge the CFPB to ensure that Equifax rectifies this issue promptly and provides me with the requested credit history and credit score. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to protect consumers ' rights.

Company response to consumer: Closed with explanation