Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received mail on Monday XX/XX/scrub>XXXX XXXX  from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX with no other address or phone number. The date on the top right corner of this letter is XX/XX/scrub>XXXX stating, Were unable to approve your XXXX XXXXXXXX XXXX XXXX  Credit Card application at this time. I then proceeded to read that the reason as to why I wasnt approved was due to The Following Reason Were unable to verify your credit score there is a five sentence paragraph after that which reads Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you requested no later than 60 days after you receive this notice. in addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. The consumer reporting agency that this letter claims they obtained the report from is Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXXEQUIFAX.XXXX I then read Thank you again for your application. If you have any questions regarding this notice, please write to us at the address below. Were always happy to help. Sincerely, Customer Care Team the address at the bottoms of the page that it says to write to is XXXX XXXX XXXX XXXX, OH XXXX I called the only number listed in this letter XXXX I called and its an automated voice answering system. I tried asking it for a representative and it gave me a menu of things. I couldnt go further than the menu options because it would lead me straight to having to put my social security number. I dont have any knowledge on the companies listed in this letter I received. I searched up all three of the companies XXXX, XXXX XXXX, and Equifax and for the website of these there was either no number to call and/or if there was a number to call it would all lead to me having to put my 4 last digit security number or my full social. Im not gon na risk putting my SSN to go further in the calls since this is my first time learning that these companies even exist. When I did search up XXXX XXXX the first website to pop up was XXXX. The letter itself is suspicious and the fact that I have to put my SSN to basically freeze or put fraud or even to XXXX be able to see the information is suspicious to me as well since I dont own any type of credit card or have ever applied for a credit score let alone one shared any of my informacin with equifax XXXX Please email or text me with the following steps, I would say call but I tend to not answer any unknown phone calls. Thank you.

Company response to consumer: Closed with explanation