Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
Im writing to express my frustration and confusion regarding my ongoing issues with Equifax. On XX/XX/year>, I sent a written request to Equifax asking for my credit file to either be unlocked or updated, along with a full copy of my credit report. I included all required identification documents, including my CFPB complaint, and I expected a timely response, but I never received any. Despite my multiple attempts to resolve the matter, I was told repeatedly that Equifax never received my request or documents. This is extremely frustrating and concerning. 

On XX/XX/year>, I called Equifax and spoke with an agent named XXXX  ( Reference Call ID : XXXX ). She assured me that once my file was updated, I would receive a confirmation letter. However, I never received any confirmation. I called again on XX/XX/year>, and this time, I spoke with XXXX. He informed me that Equifax didnt receive my XX/XX/XXXX request or documents either. He also mentioned that the only documents they had on file were related to my XX/XX/year> CFPB complaint, but those documents were no longer valid because they were past the XXXX period. I asked to escalate the call, and I spoke with a supervisor named XXXX. XXXX confirmed the same information, and his only solution was for me to resend all the documents. 

At this point, I am extremely frustrated because I have already sent my documents multiple times, including complaints filed with the CFPB, and I am still being told that Equifax has not received them. Meanwhile, I can pull credit reports from XXXX  and XXXX  without any issues, which only adds to my confusion. Why is Equifax unable to provide my credit report, while the other bureaus can? 

I need to understand why this is happening. One of Equifax 's agents even mentioned that there is an issue with my SSN in their systemtheres a name associated with it that isnt mine. This raises serious concerns for me, and I fear there may be an issue with my credit file thats not being addressed properly.

All Im asking for is a full and accurate copy of my credit report so I can monitor my credit and ensure everything is in order. Its deeply frustrating to repeatedly call and be told I need to resend my documents when Ive already done so multiple times. It feels like my requests are not being taken seriously, and its causing unnecessary stress. 

I want to understand why my file is still inaccessible and why my requests for a copy of my report have been ignored. Equifax should be investigating this issue and finding out why my report is not showing. Every time I contact Equifax, the response is the same : I need to send more documents. This is clearly a systemic issue that needs to be resolved. 

I am requesting the following : If my file is locked, please unlock it immediately so I can access my information. 

If there is an issue with my personal information, please update it to the correct details as listed below. 

If I dont have a file with Equifax , please create one under my correct information.

Once my file is accessible, please send me a full copy of my credit report so I can review it and dispute any inaccuracies if needed.

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( accuracy of the report ) and 15 U.S.C. 1681i ( 5 ) ( treatment of inaccurate or unverifiable information ), Equifax has an obligation to provide consumers with accurate information and to respond promptly to disputes. I expect this matter to be addressed without further delays. 

Please provide written confirmation once my file is updated or unlocked and send me a copy of my full credit report.

Company response to consumer: Closed with non-monetary relief