Ask Terry Questions Can’t get through to Equifax

Can’t get through to Equifax

By Terry Savage on December 07, 2020 | Credit/Debt

Today (11/25/20) my wife & I successfully downloaded free credit reports for Transunion and Experian, using annualcreditreport.com. However we had difficulty connecting with the Equifax server. When we finally got through to Equifax, the following message was displayed ‘Online Delivery Unavailable – We are not able to deliver your free Equifax Annual Credit Report online’. The Equifax web page contained instructions for snail mailing a request to their office for a Free Credit Report via US Mail – requiring submission of proof of identity and address documents. We prefer not to send Equifax documentation that they already possess and we do all our financial communications via secure internet. Equifax has already demonstrated a failed response to data security – why should we trust US Mail/Equifax not to fail again? Equifax can come up with better ways to confirm our identities online, without requiring us to mail them copies of our SSA cards or other secure information. And we don’t want paper credit reports mailed to us. Our immediate reaction has been to rely totally on our Transunion & Experian reports (both are clean, and our credit files are locked), and let Equifax stew. Do you agree? Also, we are considering filing a complaint, as Equifax’s approach is the credit reporting agency equivalent of ‘voter suppression’. Do you agree? If so, where should we file the complaint? Thank you, for all the help you provide consumers – we definitely need it.

Terry Says

Haha! I agree with your plan. Freezing both should work. But you should do it at all three bureaus.
It’s easy to just freeze your report online at Equifax. Here’s the link: https://www.equifax.com/personal/credit-report-services/credit-freeze/

Try starting there and let me know what happens. If not, I have a contact at Equifax corporate, because I have contacted them about this issue before. Let me know if you don’t get through to freeze this report too.

money

ASK TERRY

a personal
finance question