Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XX/XX/XXXX I applied for a Mortgage loan with XXXX. My Lender fully pre qualified me and thus I began the house hunting process. After several months viewing property after property I finally found my dream home. I placed an offer on it and it was accepted. Since it took two months to get into escrow, my lender said they would have to re-run my credit report. This is where this nightmare begins. 
On XX/XX/XXXX my credit report was pulled again by XXXX. This time, what was described by the loan officer as an " odd glitch '' came back from Equifax, showing that my credit report was not obtainable. 

The actual error code reads as follows : " INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE '' and also : " XXXX - EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY '' I will attached screenshots of those error codes. 

I was advised that the lender would be contacting the credit report vendor " XXXX '' in order to figure out the error and resolve it. A week passed and with my permission, my lender ran my credit a few more times, and again each time the XXXX credit request would come back with only XXXX and XXXX reports, and the same error with EQUIFAX. 
Approximately on XX/XX/XXXX, I was advised by my lender to contact Equifax in order to get this issue resolved. At this point my real estate transaction is close to being in jeopardy. Upon contacting Equifax via telephone and explaining the issue in detail, I was asked to FAX over a copy of my Driver 's License and my Social Security card. I promptly faxed over the information. I called back a couple of days later, and was advised that someone ( supervisor? ) would be returning my call in order to update me or clarify the issue. I never received that call. I called again on XX/XX/XXXX and was advised to have creditors send an update directly to Equifax. This did not make much sense to me, so I reached out to a few of my creditors and they were just as dumbfounded at the request as I was. I have open, revolving credit accounts with major banks like XXXX, XXXX XXXX XXXX, XXXX, XXXX and they all assured me they report, every month, to all XXXX Major Credit Bureaus including EQUIFAX. According to them, they have been reporting every single month to EQUIFAX since XX/XX/XXXX. This negligence and mishandling of my file is causing serious stress and financial hardship. My home loan and real estate transaction is now in jeopardy and I stand to lose {$3000.00} and my dream home due to this ridiculous unexplained and unresolved error. I beg you for help, through this medium, I am hoping someone can locate my file at Equifax and resolve this situation. It 's absurd that XX/XX/XXXX my file at EQUIFAX existed and now all of a sudden it does not. 
I am attaching a complete copy of my credit report dated XX/XX/XXXX from XXXX and from XXXX that details my credit history. If you refer to the inquiry section of each credit report you can see every date that XXXX ran my credit report, dating back to XX/XX/XXXX and the recent ones in XX/XX/XXXX that I referenced. 
I am also attaching a copy of the credit report from the mortgage lender, where you can corroborate my version of the events, along with allowing you to see the special error codes that keep coming back from Equifax. I hope all of this documentation helps you resolve this issue. 
I will add, I have already faxed over a copy of my DRIVERS LICENSE and SOCIAL SECURITY CARD to Equifax. They have confirmed receipt. If I need to upload or resend that information I can do so upon request. Please help, this is an extremely time sensitive issue with ALOT at stake. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief