Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: OH
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:
As of XX/XX/2023, it is deeply concerning and frustrating that my initial complaint regarding my inability to access my credit file has still not been resolved. Equifax, the responsible party, has failed to provide any solutions or proper resolutions, and shockingly, the Consumer Financial Protection Bureau ( CFPB ) has allowed them to close my case without adequately addressing my concerns. This blatant disregard for consumer rights and lack of accountability is unacceptable. 

Equifax, as a credit reporting agency, holds a significant responsibility to provide important insight into the issues consumers like myself face. However, they have consistently failed to fulfill this obligation. Despite my repeated attempts to access my online account, I have been met with the message, " Contact Please give us a call. We cant complete your request at this time. Please call the Customer Care team XXXXEQUIFAX ( XXXX ). '' This has been going on for several months, and despite tirelessly reaching out to their customer service line, no progress has been made. 

Every time I call, I am assured that my concerns will be escalated and prioritized. However, I have never received any updates or confirmation regarding the status of my complaint. In a previous conversation with a representative on Monday, XX/XX/2023, I was advised to delete my account entirely and sign up again after ten business days. The representative assured me that they had requested the deletion of my account. Yet, even after following their instructions, I am still faced with the same message when attempting to log in. 

I have diligently documented my attempts to resolve this issue, including the ticket numbers associated with my interactions : XX/XX/2023, Ticket number : XXXX and XX/XX/2023, Ticket number : XXXX. Despite these efforts, I continue to encounter roadblocks and a lack of progress. Today, I patiently waited on hold for one hour to speak with a supervisor, only to be met with the same empty promises and lack of solutions. The supervisor, contradicting themselves, initially claimed not to have seen other ticket numbers, but later admitted to finding only one different ticket number. This inconsistency and lack of transparency further highlight the incompetency and negligence of Equifax. 

The consequences of this ongoing issue are not trivial. Financially, I have been hindered as I am unable to view or dispute any disparities on my credit report. This lack of access has left me in the dark regarding the drastic decline in my credit score, with no understanding of the reasons behind it. This situation has caused significant stress and confusion, leaving me drained and unsettled. 

I firmly believe that Equifax and CFPB must be held accountable for their actions, or lack thereof. It is clear that Equifax has failed in its duty to provide a functioning platform and address consumer concerns adequately. Likewise, the CFPB has failed to fulfill its purpose of protecting consumers and ensuring fair treatment. It is imperative that this issue be escalated and resolved promptly. 

In light of the ongoing negligence and lack of accountability, I am left with no choice but to report these companies to the government. I will be reaching out directly to the Federal Trade Commission to escalate this matter and seek the justice and resolution that I deserve. 

It is time for Equifax and CFPB to take responsibility for their actions and provide the necessary solutions and resolutions to address my concerns. The continued delay and lack of progress are simply unacceptable. I demand immediate action and a swift resolution to this matter, as my financial well-being and peace of mind depend on it. 

See previous complaint : XXXX

Company response to consumer: Closed with explanation