Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: CA
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:
To Whom This May Concern : I am filing this complaint due to lack of resolution with Equifax to make my credit file available to creditors. I have had two scenarios in which my credit files was not made available to a creditor whom I had been applying with for a home construction and mortgage loan. The first scenario was with XXXX XXXX XXXX when I had applied for a construction loan. The second scenario was when I was refinancing the construction loan to a permanent home mortgage with both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. During both scenarios I had called Equifax to lift a credit freeze on my file and remove fraud alert. All attempts to lift my credit file freeze and remove the fraud alert resulted in Equifax confirming the freeze lift and my creditor unable to view my credit file. During the second scenario I had requested that the credit freeze and fraud be permanently removed from my file in hopes to correct any glitches with Equifax. Unfortunately, the result was the same with my creditors unable to view my credit file. In disbelief of the situation at hand, I attempted to use the free annual credit report overseen by the US government, however I was unable to view my Equifax credit report. I find myself in a situation where I will be unable to apply for loans due my Equifax credit report being unavailable to creditors whom I apply with. I have exhausted my efforts to resolve this situation with Equifax and hope that this complaint will yield better results than I have had alone. Below is a list of dates, given to the best of my knowledge, in which the above described scenarios occurred : Scenario 1 XX/XX/XXXX - XX/XX/XXXX Requested Equifax freeze lift via online, resulted in online request unavailable Called Equifax to lift credit freeze XXXX XXXX was unable to view credit file ( application for construction loan ) Called Equifax to report problem, Equifax representative suggest XXXX to call the business customer service phone number XXXX XXXX called the Equifax business customer service with no resolution, XXXX had made an executive exception to allow me to apply for the construction loan without the Equifax credit report Scenario 2 XX/XX/XXXX Called Equifax to request credit lift between the dates of XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX was unable to view my credit file and instructed me to call the consumer validation line at Equifax at XXXX to verify all of the information I called the number to verify my information Equifax advised that the freeze lift was a global lift and any creditor could view my file, I relayed this information to XXXX 3. XX/XX/XXXX XXXX advised me that they required a pin number to view my file My response to XXXX was that a pin to open my credit file does not exist and advised XXXX to call the Equifax Business customer service Called Equifax fraud department XXXX to permanently remove the fraud alert Called Equifax to permanently remove credit freeze 4. XX/XX/XXXX XXXX reported back that my credit file with Equifax was still not obtainable 5. XXXX XXXX XXXX XXXX was also unsuccessful to view my Equifax credit file during the credit freeze lift period of XX/XX/XXXX XXXX XX/XX/XXXX During all customer service calls with Equifax I was successful at proving my identity by passing the four security questions.

Company response to consumer: Closed with non-monetary relief