Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: RI
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:
On XX/XX/XXXX I was opening mail concerning a credit card I applied for at XXXX. They reported that I did not qualify for the lowest interest, and stated it was based on my credit score and credit report. 

In the body of the letter I received it stated that under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX, XXXX http : //www.equifax.com. 

I then called the phone number to request a copy of my free report. I spoke to XXXX, and was then asked a lot of questions : my full name, my ss #, my address, my home mortgage holder and amount of my mortgage, my car loan provider and the amount I pay, my other credit card cards. 

At this time I felt I was providing information to a scammer to use against me to get my identify for fraud. 

I then asked to speak to her supervisor. After a lengthy wait I spoke to Supervisor with first name as XXXX. She said that they have to ask me these questions to ascertain whether I am the rightful holder of the credit information. I asked them how may ways do I have to confirm who I am am. Send me my report and I will report any reporting errors. I then stated that I feel this is unreasonable and unnecessary since I do not think that you asked XXXX XXXX for all this information about me BUT you sent them a report on me. 

When I asked where the supervisor where she was located, she announced the XXXX. When I told her that this smacks as your company trying to get my information to steal my identify and that I do not feel secure answering anymore questions. 

I then asked for her supervisor and she said that her supervisor would tell me the same thing. 

I then told her I would report this company to the XXXX XXXX XXXX and the Consumer Finance Agency. 

I then stated I would like her to hang up so that I can take the survey they asked me to take at the beginning of the call to tell them about my experience and to tell them how dissatisfied I was. She then wished me a good day and hung up. Then a voice next came on the call said to take the survey, press 1, which I did the connection was severed. 

I believe this company and its operation is fraudulent and as I see from many other same complaints, it should be investigated for misuse of information, not providing what they profess to provide and action taken against them to rescind their license to be credit reporting agency and the public be informed that it is not an authorized credit reporting agency. 

I also request that an investigation be made into their call collection information such as the one I experienced and whether it leads to identify theft. 

I will be following up with my congressman on this complaint.

Company response to consumer: Closed with non-monetary relief