Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Sworn Statement / Affidavit Date : XX/XX/year> To : Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX SWORN STATEMENT / DECLARATION I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, TX XXXX, declare under penalty of perjury that the following statements are true and accurate to the best of my knowledge : 1. On XX/XX/year>, I attempted to obtain my Equifax consumer file electronically through the official XXXX portal. I was denied access and presented with a message stating that my report had already been provided, even though I had not accessed, downloaded, or received any such report.

2. I contacted Equifax by telephone at XXXX and fully verified my identity. I requested one of the following options : - immediate restoration of online access for electronic download, - secure electronic delivery of my full consumer file, or- the opening of an internal investigation ticket into the system error preventing access.

3. A supervisor refused all three options, despite proper identity verification.

4. This refusal prevented me from obtaining my full consumer file in a reasonably accessible form as required by : - FCRA 609 ( a ), - FCRA 610 ( a ), - FCRA 611 ( a ) ( 6 ) & ( 7 ), - FCRA 1681e ( b ).

5. The repeated electronic access failure may indicate a split file, identity-matching errors, incorrect freeze behavior, or general system malfunction.

6. I am formally requesting full compliance with the FCRA and immediate electronic access to my complete consumer file.

7. I further request all internal records related to my XX/XX/year> call, including call notes, supervisor notes, and system entries.

8. I reserve all rights to file complaints with the CFPB and pursue legal remedies.

Signature : ____________________________ Printed Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Cease & Compel Disclosure Letter Date : XX/XX/year> To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : FORMAL DEMAND TO PROVIDE CONSUMER FILE DISCLOSURE ( FCRA 609, 610, 611 ) To Whom It May Concern : I am formally demanding immediate access to my complete Equifax consumer file. On XX/XX/year>, I attempted to access my report electronically through XXXX. Your system denied access and falsely stated that my report had already been provided.

I requested restoration of portal access, secure electronic delivery, or a system error investigation. A supervisor refused all three options.

This refusal violates : - 15 U.S.C. 1681g ( FCRA 609 ), - 15 U.S.C. 1681h ( FCRA 610 ), - 15 U.S.C. 1681i ( FCRA 611 ), - 15 U.S.C. 1681e ( b ).

I demand immediate compliance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Split-File Investigation Split-File Investigation Demand Date : XX/XX/year> To : Equifax Information Services, LLC Subject : REQUEST FOR SPLIT-FILE / SYSTEM ERROR INVESTIGATION Equifax is hereby notified that system behavior on XX/XX/year> suggests possible split-file or file-matching errors.

Symptoms include : - denial of electronic access, - incorrect notice that the report was already provided

Company response to consumer: Closed with explanation