Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I have contacted Equifax who says they do not have a credit file for me. 

Transunion and Experian are both delaying responses and I demand XXXX a copy of a credit report emailed to me. 

I am in a dangerous situation as mentioned before. 

I demand any proof of information under FCRA section 611 15 U.S. Code 1681 in subject to : XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681i 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 

XXXX. Please email any, files, reports or information. XXXX by placing my life at risk through these actions while am abroad in a hostile area you are hereby notified, if I do return unharmed, and you better hope I do, you are accountable for failure to provide XXXX a credit report I can dispute since XXXX  when I have proven to you I paid off all my debts XXXX reasonible notification or deletion following section XXXX a- if I even have a credit file or credit reoort on file by email XXXX refusal of access to credit and banking on planning to come home that would allow me to come home unharmed from a dangerous situation. XXXX violation of the relevant CFRs that put the life of an American citizen at risk under those circumstances previously mentioned in my other complaints, and XXXX internally inconsistent messaging, obstruction and failure ro provide a credit report and no issuance of a credit report, files, or any documents in violation of the entire FCRA process. XXXX by using a XXXX  day deadline when you know I am in XXXX and my life is in danger because of your negligent action and understanding your responsibility and the need to expedite your notification under FCRA XXXX 

I am hereby requesting the CFPB to refer this complaint and the previous ones to the FTC, Department of Justice and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation