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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!

Posted: Sat Aug 09, 2008 12:55 pm Subject: CSC

I have to deal with CSC and not EQ unfortunately but, from what I have read, if you get routed to India, immediately ask to be transferred to a domestic English speaking human on the North American Continent. Don't accept anything less. I added the date I pulled my reports last year into my Outlook and added the corresponding date into the next year to remind me when to pull. Leap year, so it might be off a day or so. Just sent you a PM with some additional info Twisted Evil

Posted: Sat Aug 09, 2008 1:35 pm Subject:

I have had problems with Equifax also and have requested it in writing without paying for it. For some reason the annualcreditreport.com website tells you that you have already received the free report when in fact you have not. You just need to unfortunately write them and use snail mail.

Good luck

Cellular · Posted: Sat Aug 09, 2008 6:33 pm Subject:

Ron,

High had the a similliar problem, it stated that it was unable to provide me with a copy on-line. This has been happening for about the last year.

So I found a number to call and got customer service, I explained what had happened and they sent me out a copy of my report and I had them transfer me to tech support to see what is the problem. Tech support said it appears that the info that Annual Credit Report send with the request causes a verification error. She went ahead and made a request and gave me the report number and it allowed me to access it on-line.

This is a new problem which makes me think that Equifax changed their software and it doesn't conform with the website.

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