Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MS
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:
I have been paying for Equifax Monitoring Service for over a year, and have not been able to access my credit report since XX/XX/2022. I sent three letters ( can not find a copy of first letter but the other two are copied below ) complete with verification information. I also made several calls to Equifax regarding the issue. To date, I still can not access my credit report and have not received any credits for all of the months that I have received no service. This issue is preventing me from receiving credit as creditors are not able to access my complete reports. Equifax continues to give me the run around, saying they will " escalate '' the issue. It has now been almost 5 months with no resolution. Please Help!! Below are the last two letters I sent to Equifax. Thank you in advance for your attention to this matter. 
*************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX, XX XXXXX Employer : XXXX XXXX XXXX Phone Number : ( XXX ) XXX-XXXX Social Security Number : XXXX EQUIFAX Credit Report Generation Date : XX/XX/2022 ( last attempt ) TO : Credit Report Department Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX Georgia XXXX To Whom It May Concern : On Wednesday, XX/XX/2022 I reported via telephone to Equifax that my report could not be viewed. I was given support ticket # XXXX and told Equifax would need 7-10 business days to fix the reporting error. After 10 business days lapsed, I called again, and was not able to receive any assistance. So, I sent a letter regarding the matter. As of today, the error is still not fixed. I called the corporate phone number ( XXXX ) XXXX and was transferred to the Office of Consumer Affairs, where I spoke to XXXX. She advised there was some kind of code missing from credit file still and so issue had to be escalated for the second time ( 2nd support ticket # XXXX ). This error has a severe effect on my ability to do business. 

I am now requesting the reporting error be resolved immediately and a credit be issued for the monthly payment I make to Equifax to have access to up-to-date Equifax services, including accessible, updated credit reports. If a split file is the issue, please resolve immediately by merging fragmented/duplicated reports together. Once the credit report is complete, updated and accessible, please send the full report to any lenders who have recently attempted to access my credit report and also mail a copy to me directly. I have attached identification for verification purposes. I prefer that you contact me by email if further information is needed. 

Thank you for your prompt attention to this matter. 


Best Regards, XXXX XXXX XXXX **************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX, XX XXXXX Employer : XXXX XXXX XXXX Phone Number : ( XXX ) XXX-XXXX Social Security Number : XXXX EQUIFAX Credit Report Generation Date : XX/XX/2022 ( last attempt ) TO : Credit Report Department/MYEQUIFAX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXo Whom It May Concern : My credit report is not viewable on MYEQUIFAX Credit Monitoring Service. I have been paying for this service for months, but can not see my file when I log in. I was given three ticket numbers : 1 ) Support ticket # XXXX 2 ) Support ticket # XXXX 3 ) Support ticket # XXXX Please resolve the reporting error immediately and issue a credit for the last five payments Equifax has drafted from my account XXXX 

If a split file is the issue, please resolve immediately by merging fragmented/duplicated reports together. Once the credit report is complete, updated and accessible, please mail a copy to me directly. I have attached identification for verification purposes. I prefer that you contact me by phone if further information is needed. 

Thank you for your prompt attention to this matter. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation