Consumer complaint received 2020-09-16
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: Problem getting your free annual credit report

Complaint:
This is a follow up to phone calls and two previous complaints with CFPB. None of witch have resolved issue. 

ID FOR COMPLAINT SENT TO EQUIFAX XX/XX/XXXX XXXX ID FOR COMPLAINT SENT TO EQUIFAX XX/XX/XXXX XXXX All calls to XXXX Are unsuccessful at resolving complaint Following is communication I have had with Equifax. 

I need to access my credit report to review accuracy and correct incorrect information. 
Time is of the essence. 

XX/XX/XXXX 1. Attempted to obtain credit report through annualcreditreport.com Was not able to sign in.

2. Reviewed credit report through creditkarma.com. Was able to view. There were inaccuracies. Attempted to long into Equifax to correct. Not able to do so.

I am able to log into lock and alert on Equifax website. When trying to log into MyEquifax to view credit report and start dispute I get following message. 
Please give us a call. We cant complete your request at this time. Please call the customer care team. XXXX. 

I call the customer care team. They are unable to verify my identity and offer no option to speak with live representative. Following the direction of the automated system I send a fax to XXXX containing a cover letter with my name, address, XXXX, DL, and XXXX and include a copy of my drivers license. I received confirmation Equifax received fax on XX/XX/XXXX at XXXX XXXX. 

There is no follow up from Equifax. 

XX/XX/XXXX I send a DM to Equifax via XXXX explaining situation and asking for help in reaching a live representative. They asked for screen shot of error message, what action I was attempting, and my email. I provided all requested information. 
They asked me to call XXXX. The very number I had issues with previously. 

XX/XX/XXXX I followed up with a DM via XXXX. No response. 

XX/XX/XXXX I followed up with DM via XXXX. Told to call XXXX. 
I attempted to call. Automated system with no option to speak to live representative. 

XX/XX/XXXX I called XXXX. Was able to get to live representative. However he said he could only help with lock and unlock. He stated I would need to call XXXX. The very number I had already called twice before, submitting requested docs, without success. He connected me directly. After automated system finished I got a fast busy signal. 

XX/XX/XXXX Received response to call XXXX yet again. I have already called three times. Never allowed to speak to live operator.

I need access to my credit report. I need ability to correct inaccuracies. Time is of the essence. 

XX/XX/XXXX CFPB COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We will review and consider the information you have provided through the CFPB portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; however, additional time will be necessary to conduct thorough research and to provide a resolution to this complaint. Once our internal investigation is complete, we will provide our response via the CFPB portal. 

XX/XX/XXXX XXXX to CFPB and Equifax XX/XX/XXXX DM from Equifax XXXX/XXXX/XXXX DM to Equifax with requested info. 

Unable to get a hold of representative. Time is of the essence to correct error. I am able to log into lock and alert. I can not log into my equifax. I faxed requested docs to Equifax in on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DM from Equifax Thank you for notifying us of this concern. Your case has been escalated for further review. A team member will generally follow up within two business days. Thank you for your patience and understanding. -Belkis XX/XX/XXXX Received response from CFPB Said I would be able to log in. 

XX/XX/XXXX Response to CFPB Equifax still has not resolved the issue. I am not able to log into my account. I can not log into MyEquifax.com to correct mistake on my credit report. Complaint originally submitted XX/XX/XXXX. 

XX/XX/XXXX DM Twitter I received response to CFPB Complaint XXXX Response from CFPB said issue resolved. 
It is not. 
I am not able to log into my account. I can not log into http : //MyEquifax.com to correct mistake on my credit report. Complaint originally submitted XX/XX/XXXX. 

XX/XX/XXXX XXXX @ CFPB @ Equifax I received response to CFPB Complaint XXXX CFPB said issue resolved. It is not Im unable to log into my account. I cant log into http : //MyEquifax.com to correct mistake on my credit report. Complaint originally submitted XX/XX/XXXX. What is next step? 

XX/XX/XXXX ID FOR COMPLAINT SENT TO EQUIFAX XXXX XX/XX/XXXX Response on Complaint XXXX Equifax said resolved and I have access XX/XX/XXXX I still do not have access. 
Tried on https : //www.equifax.com/personal/ Tried through https : //facta.equifax.com https : //www.annualcreditreport.com STILL NO ACCESS Call XXXX They can not help XX/XX/XXXX Complaint resubmitted to CFPB

Company response to consumer: Closed with explanation