Consumer complaint received 2025-02-17 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.
State: CA

Complaint narrative:
On XX/XX/2025, I submitted a request for my free annual credit report in accordance with FCRA requirements. I received an initial acknowledgment on XX/XX/2025, confirming that my request was being processed. However, by XX/XX/2025, I had not received my credit report. I followed up with customer support via phone on XX/XX/2025, and again via email on XX/XX/2025, and was assured that the report would be sent promptly. Despite these follow-up actions, as of today, I still have not received the report. This delay is a violation of my rights under the Fair Credit Reporting Act, which guarantees timely access to my credit information, and has caused significant inconvenience and uncertainty regarding my financial standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Experian Consumer Dispute Department Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Formal Request for Credit Report and Notice of Violation of Consumer Rights Dear Experian Representative, I am writing to formally request that you provide me with a complete copy of my consumer credit report immediately. I have previously requested my credit report as provided under the Fair Credit Reporting Act ( FCRA ), yet I have not received it. This lack of response constitutes a violation of my rights as a consumer. 

Under FCRA Section 609 ( a ) ( 1 ), I am entitled to receive a complete and accurate copy of my credit report, which must include all information in your files pertaining to me. Additionally, as per the guidelines set forth by the Federal Trade Commission, consumers are entitled to a free annual credit report. The failure to furnish me with this information in a timely manner not only hampers my ability to review my credit history and dispute any inaccuracies, but also violates my statutory rights under the FCRA. 

Specifically, by not providing my credit report, you are infringing upon the following rights : Right to Access : I have the legal right to obtain all the information contained in my credit file, as mandated by the FCRA. Your failure to deliver my report denies me the opportunity to verify the accuracy of the data you have on file. 

Right to Dispute Inaccuracies : Without access to my credit report, I am unable to exercise my right to dispute any erroneous information that may adversely affect my credit standing. This lack of transparency directly impacts my financial well-being and consumer rights. 

Right to a Free Annual Report : As per current regulations, I am entitled to one free credit report annually from each of the major credit reporting agencies. Your non-compliance with this requirement is unacceptable and must be remedied immediately. 

I respectfully request that you provide a complete copy of my credit report within 15 days from the date of this letter. Please include all data in your files, along with any explanatory notes or updates regarding recent changes. Should you fail to comply with this request, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal counsel for any violations of my rights under the FCRA. 

I expect a prompt response and resolution to this matter. Please confirm in writing that my request is being processed and advise when I can expect to receive my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation