How do I deal with an uncooperative credit-reporting bureau? (Money and Finance - Other Financial Services Credit Services)

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How do I deal with an uncooperative credit-reporting bureau?

I attempted to obtain my annual free report from all three credit reporting bureaus through AnnualCreditReport[dot]com.

I obtained my reports from Experian and Trans-Union, but Equifax insists that I received my report form them in May of this year -- when in fact, the last credit report I received from Equifax is dated March 20, 2008 and I have NO RECORD of contacting Equifax after that date until today.

All attempts to contact Equifax to resolve this issue -- both by telephone and online -- have been unsuccessful.

How do I resolve this problem? I'm not willing to pay Equifax $&.95 for an annual report that I am entitled by law to receive free of charge.

Categories:	In Money and Finance > Money and Finance - Other
Industries:	In Financial Services > Credit Services

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ScottAllen

I'm not a lawyer, but obviously paying a lawyer to handle this would be more expensive than just paying Equifax, so...my comments are free, but you get what you pay for. :-)

The phone and online are certainly more convenient, but when it comes to making legal demands, put it writing. Tell them that you neither requested nor received a report in May of this year. Ask them to show you the request from May that they say you made. If they can't, then tell them they must have a record-keeping error and you are now requesting your free annual report as required by law.

Answered: Dec 01, 2009