Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Me and my husband both have no credit score from Equifax that is preventing me from getting housing for my family. I have just moved to XXXX from XXXX because I was accepted to a university. Also I have a section XXXX voucher to house me and my family of XXXX children and me and my husband. We only have 2 months to find a place to live or we lose the voucher. We applied to a home in a good neighborhood with a good elementary school for my son starting XXXX. They use a credit company called XXXX and that company checks credit for rental properties, sadly I was denied. Concerned I looked up my credit score on XXXX and found out that XXXX has a score for me but Equifax did not. To my surprise XXXX only uses Equifax. So I called Equifax to try and fix this situation. Meanwhile I was living in a cheap and scary hotel paying alot of money waiting and waiting, calling and calling Equifax I have sent my documents including my ID, Social Security Card and marriage licence to prove my identity TWICE! After you send these documents in they need 48 hours so this took many weeks and days. I have done all they have asked of me including calling my bank to have them send info which my bank does not send to this company. The rental company said they would still consider renting to me as long as I was able to fix this situation. I have spent so much money on hotels, faxes, and so much time which is precious right now with starting a new school and having a new born in a motel. They have my documents and still have no reports on me nothing at all. They expect me to call people I had loans with when I was a teenager and take more time to get this together. I am fed up and feel so frustrated with this situation. Another part of my frustration is that when you have a section XXXX voucher they take 15 days to approve a house and inspect it. So with all the time that has passes I am paying alot of money for a motel. I have had to apply for a house in a not so great neighborhood and a low rated elementary school. This is affecting the education of my children and my own financial status with all my money going to this hotel and faxes and time invested in trying to get my credit score from Equifax. They have ran me around and given me very small bits of information without any sight of the big picture. This experience has been troubling and very very stressful when this should be an exciting part of my life. I have worked hard to maintain a XXXX in school to get into a better college to make something for my family and this road bump was way bigger than it needed to be. Also we looked up my husbands credit score on credit Karma and find out they also have no score for him. We are Americans we have had many different accounts with big banks and car loans. There is no way that they can just have no information on us if they are XXXX of the biggest credit companies out there. I am in shock and also am wondering hat these people are being paid for when I have to do all of the foot work? This is just a glimpse of what is happening with Equifax and I am filing this complaint against them.

Company response to consumer: Closed with explanation