Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: CO
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:
Regarding Complaint # XXXX First, it is ridiculous that you ( CFPB ) gave Equifax an additional 60 days to respond to my complaint. They are clearly stalling. I have already been dealing with Equifax for the past THREE MONTHS with the simple request of getting my credit report WITH the account numbers on it! Apparently NO ONE can get my request correct! It seems that no one has bothered to even read it and just sent me canned responses that dont apply to my situation. So, Im sending my complaint below again in hopes that SOMEONE will read it and respond appropriately. 

READ THE FOLLOWING : I AM NOT WANTING MY CREDIT SCORE. I NEVER SAID THAT IN MY COMPLAINT. IT HAS NOTHING TO DO WITH INACCURATE OR INCOMPLETE ITEMS AS EQUIFAX STATES BELOW IN THIER INTERIM RESPONSE. THEREFORE, THEY DONT NEED TO SEND VERIFICATIONS TO ALL MY CREDITORS. 

Also, I received another canned letter from Equifax on XX/XX/2020 stating they received my request concerning inaccurate information on my Equifax credit file. 

What are they TALKING ABOUT?!? I NEVER SAID THAT. 

Then, in the same letter, they state they are unable to locate a credit file in their database with the identification information I provided. They are lying so they can stall for more time. I have the same exact information that I did last year. All the sudden they cant find my file? What a bunch of BS! 

I WANT MY FREE CREDIT REPORT WITH THE ACCOUNT NUMBERS ON IT!! THATS ALL! I AM LEGALLY ENTITLED TO THIS AND SHOULD NOT HAVE TO WAIT FIVE MONTHS! AS I STATED BELOW, THE REPORT FROM XXXX HAS NO ACCOUNT NUMBERS ON IT FOR MY CREDITORS. 

Here is my complaint again. PLEASE READ IT!! 

About one month ago, I downloaded a free Equifax credit report from XXXX Just like last year when I did the same thing, there are NO account numbers written next to any of my creditors on the report so it is absolutely useless for my purposes. I also downloaded my credit reports from XXXX  and XXXX  from the same website, and there ARE account numbers on those reports. It is just Equifax that does not have my account numbers written on ANY of my accounts. Last year when this happened, I spent DAYS trying to find out how to get my FREE report from Equifax WITH my account numbers on it. Finally, I was somehow able to reach a person who agreed to USPS my report with the account numbers on it, which I did receive. I will name this person later in this complaint. This time, I have not been so lucky. Over the past three weeks I have called Equifaxs customer service number MULTIPLE times. They returned my calls, leaving me VMs as I was not by my phone at the time. The messages left make it sound like you are personally being taken care of if you call back and ask for the name of the person who leaves the VM. I do this each time ( about 10 times ), only to reach their customer service number, be put on hold for up to ONE HOUR, or until my phones battery runs out. I would need to go back into my phone records to document each call ( and email ) I received and made from them, which would make this complaint PAGES long. One time, I actually talked to someone who said she was from Equifax, but my phone screen displays the call is from XXXX XXXX. I ask her about this and she says, I know, Ive been trying to get that fixed. So, I am not comfortable providing my personal information to someone whos call says its coming from XXXX XXXX. I tell her this and she just keeps apologizing. Believe it or not, the ONLY options she provides for me in order to get my report is to call the same customer service number that puts me on hold until my battery runs out (! ) or email Equifax, which has also been done multiple times with NO luck. In fact, one of the emails stated that my request has been escalated and someone will get back to me in a few days. This was two weeks ago. Now, as I mentioned, last year I was able to reach someone who finally mailed me my report with the account numbers on it. I saved her contact information and thought I would try to reach her again. { XXXX XXXX ; Office of Executive Customer Services ; Ph : ( XXXX ) XXXX ; XXXX } I left several phone VMs with her and this time, she did not return my calls. Actually, to correct that last statement, she did return my calls just today and despite her having the exact same contact information as last year - including name, email, phone number, TITLE and DEPARTMENT, she stated on my VM that she no longer works in the same department as she did last year and cant help me. She refers me BACK TO THE SAME CUSTOMER SERVICE NUMBER!!!! As of today, I still have no idea how I will get my free Equifax report with the account numbers on it. I also want to add here - why does Equifax take the account numbers off the report that is available on XXXX??? How are consumers supposed to file disputes if they dont know which account it is on the report???

Company response to consumer: Closed with explanation