Equifax Annual credit report - has anyone dealt with these people?

I just attempted to get my free credit report from Equifax online and went through all of the necessary bs. I did not get a darn thing, other than additional frustration.

Post Deleted - What did that have to do with Equifax credit reports? - NASCAR_Devil

9/27/09 - yea, same as the 8-25 post. Equifax error when using annualcreditreport.com but the other two agencies did not have a problem. I'm sure a court would find them in violation of the law/contract for not "reasonably fixing their website in time" to provide a free report online. Forcing the use of snail mail seems like an internet revenue loss. Since i cant see my own info, others may not either. Thats bad if you are trying to get credit but good if a thief is trying to scam you.

I've not been able to even use this site for over a year and a half. When I type in or use the links on the ftc.gov site, all I get is the following message and have found no number that I can call to ask them about the technical problem.

"A condition exists that prevents us from being able to accept your request at this time.
Please visit this website again at a later time, or to request delivery of your free annual credit report via U.S. mail, call (877) 322–8228.
Thank you.

Experian worked online, Transunion I had to call to get fixed and Equifax expects me to send them every bit of information through the mail. It's a conspiracy for sure.

I used the annual link two days ago and was able to get all three bureaus without any problem. It must have been my lucky day.

I, too, thought it was legit; gave them my info,
but did not give them bank info.
Both TransUnion & Equifax would then not allow me
to see my "free" credit report.
We still live in the golden age of the weasel, it seems

I am a programmer and this is an utter disgrace. Banks allow us to access information in secure manner but we can not get a report with being baited into paying $7.95. A FREE report should FREE and nothing else. Event some of the links from the FTC site do not work.

File a Complainthttps://www.ftccomplaintassistant.go...d.aspx?Lang=en

This will only change if some lawyers file a lawsuit against the Government and these Credit Agencies. They don't care that peoples lives are altered because of these agencies.

Its a scam. They don't want to give out free reports. Make you run around in circles sending it by mail. They know lots of people will give up and just pay up. I wish I could strangle one of these financial types. Thank goodness they have new legislation on overdraft fees now. That was my last experience with large organizations that can hold the little guy for ransom.

It is not a scam. They have to give them out for free once a year per the FACT Act of 2003. Make sure you are going thru www.annualcreditreport.com and select "No Thanks, just take me to my free report" when they try to sell you your score or credit monitoring.

Every year equifax places an account on my report that the other 2 agencies don't and I have to purchase a report from them to clear it up. The account they put on my report never has an account number or anything else to identify the owner of that account appearing on my credit creport. They have also been leaving messages on my phone asking for me to update my credit card payment information with them which I ignore. I believe this latest error on my report is an attempt by them to force me to buy their credit report.

I am an attorney that has filed a class action lawsuit against equifax for failure to provide a free credit report to a consumer. If you have requested one from Equifax and have had difficulty in receiving it and would like to speak to me about the action, please e-mail me.

I am so sick of these people. I can not get my credit report from them 3 years in a row Equifax is he only one that gioves me a problem every time,I tried to send certified mail the only address is a PO Box and nobody every answers me. I say we all join together andfile a class action lawsuit on there ass thenm see how fast they move.

If you sent it certified return receipt and can prove that they received it and when, if they didn't comply with the request (and you were eligible to get your report for free - meaning you hadn't done it already within the 12 previous months)... you don't need to be involved in a class action.

Read the Fair Credit Reporting Act. You have claims against Equifax that you can pursue in U.S. District Court. Take them to task and punish them for breaking the law. I would. If you win, you not only get damages outlined in the Fair Credit Reporting Act, but I think they pay your attorney fees and the costs of the action (i.e. the $350 it costs to file the complaint).

I too have had problems with equifax, I am a had my identity stolen so I am eligible for a free report. I filled out all the questions and asked for the free report, they kept refusing me, I finally thought that I was near the finish line when, I got a message stating that they were not processing on line orders at this time and to call such and such number, bla bla blah. Well the number is a run around, no one answers and none of the lines pertain to my situation. Buy another report is what it boils down to. Someone is renting using my name and SS number I am not sending a copy of my ID and SS in the mail. One one of the other companies the information is all incorrect so I can not answer the questions if someone else took out a mortgage with a company that I do not recognize. I did not have a mortgage with any of the companies that they provided. How do you get that straightened out? I put a fraud alert on my account, I thought that I was entitled to a free report. I wrote a report to FTC about the identity theft but I still have no reply. Who holds these credit companies accountable?

I happened to check my online bank statement tonight, and much to my surprise I notice a $7.95 monthly charge coming from Equifax. I ask my wife (she's the one who access the online statements all the time), and sure enough, she goes " yeah, I was also wondering what this charge was all about " Duh! Big mistake on our part as customers. I don't check my statements often enough, and she doesn't tell me a suspicious charge she notices.

After inquiring with the toll free Equifax number, and Indian Cust. Rep. tells me that I started being charged this amount in Dec 2008, the time when I asked online for my "supposedly" "free online credit report".

I quite distinctingly remember not ordering any product or offer from them. This service supposedly monitors your credit report for "identity theft" and when people check out your credit report. The very same institution which supposedly is there to oversight and "protect" you from online theft, ARE THE FIRST ONES IN SCAMMING YOU WITHOUT YOUR KNOWLEDGE INTO CHARGES YOU DIDN'T EVEN KNOW THEY SIGNED YOU UP FOR!!!!! Talk about illogical actions and completely un-ethical corporate behaviour.

After getting in touch with a supervisor in India (I could understand only 10% of what he was saying, and after constant "please say again requests" they tell me that they can cancel the "product" now and the most they can offer is a TWO month refund. Talk about powerlessness on the account of customers and impotence to fight this corporate crooks.

Anybody else with this experience? I'll follow up to the fullest extent this issue not with barely-English-speaking-Hindus in India, but with Equifax corporate office here in GA. If this doesn't work, I'll work with my State Attorney and the Better Business Bureau.

Anyone has other suggestions about how to fight this kind of disgusting Equifax business highway robbery? It's so unethical I feel like throwing up.
They are supposed to protect you from online fraud, and they're THE VERY FIRST ONES IN LINE TO SCAM YOU OUT OF YOUR HARD EARNED MONEY.

Please make comments and send suggestions about how to fight this crooks. Only by joining voices we can fight these corporate giants which pray on the customers they're supposed to "protect" and provide a simple, uncomplicated free credit report as they announce. For most of us, trying to get one ends up proving to be a nightmare.

Thanks to all!