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

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Credits: 7484.5

Annual Credit Report Scam:
Not sure where to post this, so a Moderator can move it if needed.

Has anyone ever request the free annual credit report on www(dot)annualcreditreport.com?

Now I've been employed for a month, I going to start working on paying off some of my outstanding debts.

This is the second year I have used it and have had problems getting my Equifax report both times. I'm not able to do it online and when I call Equifax (I, of course, get someone in India), they try telling me I have already requested it and I will now have to pay for one.

I just about shouted at the guy today because he couldn't understand what I was saying, and I was confusing him by going off his script, and all he could do was keep telling me I have to pay for one. I tried explaining to him it's probably showing I requested it; however, I never received it so there's an error.

I think my cat would have understood me better, when I explained it to him, than the guy I was talking to! If not, at least he would have purred some for me!

I got the other two CR's with no problems; Equifax is the only one giving me grief.

The conspiracy theorist in me, makes me think Equifax does this on purpose so they can get unsuspecting people to pay for what they are required to provide for free.

Anyone else have any thoughts on this, or encountered anything similar?

The upside to this, if there is one, is that my other two credit reports aren't nearly as trashed as I thought they would be. I don't have one CA reporting anything on it; only the OC's. How in the heck did that happen? I thought sure I'd see an entry on them from Il-Legal Mediation Mal-Practice and have to sue them again, only this time for FCRA violations.

I guess my DV letters were received and understood after all!


Sub: #1 So unbelievably irritated with Equifax today. I got my credit r
Fri, 04/22/2011 - 09:30

So unbelievably irritated with Equifax today. I got my credit report just fine but tried to order the score for the $7.95 offer. The website timed out and when you try to get back into it, the offer isn't there anymore. Called customer service today and got the major runaround -- basically she told me that I could pay her $15.95 to get it. I told her I wanted the $7.95 that I was offered on the website and she told me to go back to the website to get it. I explained that it wasn't there -- repeat this conversation about 4 times and me finally getting frustrated. Essentially the end of the conversation was: "so you're telling me that no one at Equifax can help me?" "no" "Well thanks for your no help *click*". Honestly, I NEVER get this frustrated when dealing with customer service -- I realize it's just $7 bucks, but *$*#, the offer was there. Their frickin' website didn't work, so how is that my problem?? *grrr* I sent them a note that I wanted to talk to a customer service manager. Also went through the customer contact form on annualcreditreport.com and they don't have any phone numbers. Tried to explain in there webform and it failed to submit (go figure). Sent another one that basically said call me and that worked. I'm betting I'll never hear from anyone...

Anna Sweeting
Debt Samaritan
Posts: 1827
Credits: 38569.2

Sub: #2 Filing a complaint with the Attorney General's Office will be a
Thu, 04/21/2011 - 01:13

Filing a complaint with the Attorney General's Office will be a good move.


Sub: #3 just got off the phone with a supervisor....just a waste of time
Wed, 04/20/2011 - 09:21

just got off the phone with a supervisor....just a waste of time...I ordered the free credit report (actually it cost $1) and they charged me 14.95 plus 39.95. the refunded the 14.95 but said there was nothing they could do about the 39.95....that I had ordered it, but I didnt....gonna file a complaint with our Attorney Generals office


Sub: #4 Well - I last received a report from Equifax on 03-03-2010 but i
Mon, 03/07/2011 - 16:51

Well - I last received a report from Equifax on 03-03-2010 but it claims I have a security freeze on my account wants me to snail mail SS card, W2 and pay stub w/my SSN on it.....there's no way I'm sending that through the mail.


Sub: #5 I'd agree with Anna. annualcreditreport.com is certainly a good
Tue, 01/04/2011 - 03:02

I'd agree with Anna. annualcreditreport.com is certainly a good source to obtain a free CR.

Anna Sweeting
Debt Samaritan
Posts: 1827
Credits: 38569.2

Sub: #6 Thanks for sharing your experience regarding freecreditreport.co
Sun, 12/19/2010 - 21:06

Thanks for sharing your experience regarding freecreditreport.com. Guess what??? I was about to use it in order to check out my credit scores. However, after reading your experience, I decided not to go for it.

You can get a free credit report annually from annualcreditreport.com. As far as I know you'll receive correct credit score reporting from there. This will help you know where you stand in terms of credit and whether or not you can get a loan.


Sub: #7 Equifax (freecreditreport.com) = scam
Thu, 12/16/2010 - 19:10

Equifax (freecreditreport.com) and their credit reporting tracking is a scam, I used their pay service and disputed bad data watch my score per their paid site go up. request home loan from Chase and Equifax reported a 146 point lower score to them.

When I call Equifax (freecreditreport.com) to inquire they say it wasnt thier problem talk to Chase.


Sub: #8 I have just now been run thru issues that I see are common to ma
Fri, 12/10/2010 - 18:55

I have just now been run thru issues that I see are common to many people and has been ongoing since 2008 (yes?)(with equifax online). I also tried to get an honest report...thanks to all of you for your efforts...much info and I will not attempt the foolish process...Would rather help fight this if you can bring me up to speed on this forum. This format is new to me... Obviously we are having these problems at a bad time as we are looking for answers to immediate problems. They know this. I will focus if you can. How can I contribute? Will answer attorney above for now


Sub: #9 Equifax Accountability
Fri, 11/05/2010 - 19:05

Besides the FTC, I'm going to try my State's Attorney Office and the BBB. My bank also offered a dispute of unauthorized charges Equifax has been hitting me for two entire years without my knowledge or authorization.

Anybody else with more consumer protection agency recomendations? Is this something that your local state or federal representatives might be interested in taking up?

Suggestions Anyone?


Sub: #10 Equifax Scam Alert
Fri, 11/05/2010 - 19:00

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!

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