Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Item 1 : Use of Credit Score : It should be by law that if a Service or Vendor uses a credit score from XXXX of the XXXX credit agencies, to determine an account with said company. 
That Service or Vendor is required to report any and all account activity ( both recent and current ) to the credit agency they obtained the credit score from. Not reporting is discrimatory to that consumer. 
There are too many consumers who have had problems with ID Theft-There is NO actual assistance from anyone to aide in restoring a consumers credit. 
Too many of these Services and Vendors are capitalizing on this and requiring a deposit from that consumer. There is NO return time for that deposit, no interest for the consumer for the monies being held by Services or Vendors. 
There are alot of Consumers who have opted out of credit-why should we pay for ID Theft over and over again-There is NO ONE there to assist us. We do not need ways of preventing it-we need laws that would prevent it. We need the XXXX Credit Agencies to be more responsive to who is looking and why? 
Handing out credit scores to any Service or Vendor is WRONG! If that Service or Vendor is not a member or does not contribute to these agencies ( Consumer Account Data ), that Service or Vendor will be kept from obtaining any data. 
I am tired of paying for other peoples lives! 

XXXX is a good example of profiting off of deposits from credit score usage. It does not matter the amount, even a {$.00} profit is discrimatory to that consumer, when using the credit score-the only basis for acceptance for service. 


Item 2 : Time for Broadcast vs Time for ADS Rules need to be established for AD Usage on TV. 
A 30 min NEWS schedule is not 30 mins of News, but approx 12 mins. of News ; 18 mins. of ADS for profit, Ads for TV Network, Ads for Public and Charity ( very few for Public and Charity ). 
Ads have become longer in time ; Infomerials are now 1 to 2 mins ; Ads for prescription drugs are biggest abusers of time for Ads. 
TV Stations KNOW EXACTLY what is happening. Every since 2008, TV Station AD Vilators, changed the amount time allowed in ads. It means HIGHER PROFIT for these AD/Time violators. How long do they think the consumer will ALLOW this to happen? I have already started writing advertisers how disappointed I am with this violation of my rights-NEWS for at Least 70 % of the 30 mins scheduled. If do not comply I will start posting bad reviews of products. Social Media Works! 
I have written XXXX ( Biggest Abuser ) ; XXXX ( Second ) ; XXXX ( Third ) about my disatisfaction on the Abusing of TV ADS FOR PROFIT. 
If a TV STATION Schedules a program-that PROGRAM Should be worth a consumers time ; At a minumin of 65 % of the scheduled time slot/program for the actual program scheduled. MEANING 35 % max for advertising ; OTHERWISE it should be called TV ADS SCHEDULED-Not ADS Guised under the programs name. 

Please, Start protecting the CONSUMERS. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation