Consumer complaint received 2024-10-02 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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, XXXX you for your recent application for Boost Mobile service on XX/XX/2024. If you were able to sign disregard this letter. 
XXXX XXXX used information from your application and from a consumer credit reporting agency to d are not currently eligible for our services, which includes wireless services and/or the ability to finance because we were unable to obtain a credit score. 
The credit score is used as a generic telecommunications score that predicts the likelihood that a cons pay their bill. It is based on your credit report at the time of your application, which is subject to change not able to obtain a score for you because the credit reporting agencies may not have enough informat. 
credit history to calculate a score. Credit scores are important because consumers with higher credit sc obtain more favorable credit terms. Not having a credit score can affect whether a consumer can obtain the cost of that credit will be. 
The reporting agency did not directly take part in our decision and is not able to supply any additional de Fair Credit Reporting Act, you have the right to know the information contained in your credit file. Shoulc information contained in the credit report as inaccurate or incomplete, you're encouraged to and have tr the matter directly with the reporting agency. You also have the right to obtain a free copy of your report agency once during any 12-month period. XXXX XXXX was unable to use a credit score about you from consumer reporting agency : Equifax Information Services XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX, thank you for your interest in our services. 
Sincerely, XXXX XXXX, L.L.C. 
XXXX Boost Mobile XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX For more information about credit reports and your rights under federal law, visit the Federal Reserve XXXX XXXX, the Federal Trade Commission 's website at XXXX, or the XXXX XXXX XXXX 's website at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Driver 's License : XXXX Date : XX/XX/2024 Equifax Information Services XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Re : Complaint Regarding Denial of Access to Credit Report To Whom It May Concern, I am writing to formally express my concerns regarding an issue I encountered while attempting to obtain a copy of my credit report from your website. On XX/XX/2024, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, stating that they were unable to obtain a credit score for me due to insufficient credit history. As a result, they declined my application for services. The letter advised me to contact Equifax to review my credit file, as I am entitled to do under the Fair Credit Reporting Act ( FCRA ). 

Following this recommendation, I attempted to access my credit report through your website, but I was unable to successfully obtain it. I have provided accurate and complete personal information, yet the system either denied my request or failed to process it. This situation is frustrating and concerning, as I believe I have the right to review my credit report to ensure all information is correct and to address any issues that may have led to the credit denial from XXXX XXXX. 

Under the FCRA, I am entitled to a free copy of my credit report once every 12 months, and I am requesting immediate assistance in accessing this report. I would appreciate your swift response to this matter, as it directly affects my ability to apply for essential services. 

Please resolve this issue at your earliest convenience or provide a clear explanation as to why my report is not accessible. If further verification is required from my side, I am more than willing to cooperate. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX

Company response to consumer: Closed with explanation