Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Equifax was contacted due to problems with accessing my.equifax login. Upon initial attempts to access site I was able to gain access and was currently trying to review the information I was looking for when I was rerouted out of the site back to the login screen. I attempted to login again with the same credentials and received an error message with instructions to call a number and I called. After holding I was connected with a woman who ask if I was using a XXXX XXXX to login, I answered yes. She wanted me to use XXXX XXXX, so I switched phones to my android phone and proceeded with the XXXX XXXX browser and attempted to login and received the same error message. She wanted my email and to send me a reset link to reset my password for the equifax account. I had already reset my password for the account before accessing the account previously when I was kicked off of it. During the time I was in the account previously however I had time to dispute one thing in the equifax report of a credit card I didn't recognize. It shows open but under the other part it said terminated. I don't know what that means for a credit card, but it had no payment info, no balance on it and no information historically. As soon as i was done with the dispute and returned back to the report and began to scroll down it flashed some then it kicked me out of the program. I have not been able to access it since. While on the phone with equifax I decided to go ahead and ask about the credit card that I was trying to check on originally that was not showing on my credit report I had been instructed to contact the credit bureaus about myself by the credit card company. That is when she told me that she had no information on the credit card and I should call the company back and tell them to report it. From what I have read the credit bureaus are supposed to investigate these things when it is reported to them by a certain amount of time and respond to the consumer of the findings in writing. Either way, I am not the secretary for XXXX XXXX or equifax, nor am I there for them to waste my time or my money in interest rates and phone calls. I have spent XXXX hours and XXXX minutes on this just this afternoon alone. I have had a credit card from XXXX XXXX since XX/XX/XXXX that has never had a late payment, and I just activated my replacement XXXX XXXX XXXX  today for the expiring titanium XXXX XXXX I received back then. I feel I have been more than patient and polite about this situation. My patients however and southern manners are wearing thin. Quite thin. Not once has my credit card ever been reported to any of the credit bureaus yet. I have documentation in text and email from XXXX XXXX stating XX/XX/XXXX that this would be corrected and sent to the XXXX agencies. Today I was told to contact the agencies myself and tell them to update my credit report because they had sent my account information to the bureaus but it just has not been updated. If I do not pay my bill they would report me. This is clearly something that should be punished. Both to the credit bureaus and to the credit card companies. It affects people 's money and credit worthiness. This is my only credit card for a reason. I do not want more credit cards as I do not need what I can not pay for at the time of purchase in my opinion. I prefer not to spend money frivolous and I should not be punished for that.

Company response to consumer: Closed with explanation