I have been having trouble accessing my credit report since XXXX XXXX 2017. I have spent countless hours on the phone trying to get the issue resolved. No one not even myself can access my credit report. I use ( and pay for ) monitoring products like XXXX. XXXX XXXX XXXX  and XXXX to monitor all 3.  Monitoring sites that can not longer update my Equifax report are XXXX XXXX XXXX XXXX ( product of XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX and the product they sold me Equifax None of my current lender can access my Equifax ( and I have ruffly 70 accounts ), All my authorized user accounts of my wife 's have dropped off my Equifax report. I can not even get my annual FREE credit report. When I call these monitoring sites they are telling me that it is on Equifax end why the reports wo n't update. I call Equifax and there solution today is I sign up for a XXXX service that I ave to now pay monthly to have access to my report. Although I was reluctant I agreed because of the missing accounts on my credit report and how this has effected my utilazation and also unable to have potential lenders unable to pull my Equifax report. I have gotten nothing but the run around and now am forced to pay them a monthly fee for this to be fixed. I am currently typing this while on the phone with them. I do n't think its right when I call in for a problem I 'm treated like a money maker for them than resolving the issue. I will now have to cancel every credit monitoring site because I 'm showing away money because of Equifax because no other monitoring site can update the report with Equifax and Ive had these products for years with no issues until XXXX XXXX 2017. I 'm not able to take advantage of rates that could be offered to me because potential lenders can not pull a Equifax report. There pushing it back on me saying lenders are putting in the wrong information. They are putting in or I am putting the the information exactly as it appears on my credit report as it matches exactly that way on my driver license. I feel its wrong for them to charge me this money. I have tried numerous times just to cancel there product and now they are strong arming me to keep it and holding my credit report hostage. So now I 'm still on this call, They charge me XXXX, which I received a text and an email comformation that they did charge me after a 15 minute hold the representative tells me the charge was declined by discover. I have fraud and protection alert on all my cards so I know when a charge is made and he needed yet another credit card to charge. So again after another 15 minute hold he comes back and says that credit card was declined. I log into that credit card account and see another XXXX charge. So he asked for another credit card So this time I let him pick the card because I have so many. He choses my XXXX XXXX. Now my XXXX XXXX is denied. These are all good standing high Limit credit cards and I logged into all accounts and seen that I was in fact charged XXXX each time. And to top the night off, My XXXX XXXX is Now locked I can not access my account because of this whole feasco and they said I have to now call their customer service department in the morning to get my XXXX XXXX and account unlocked. WAY TO GO EQUIFAX!!!!!!!!