• Report: #1166586
Complaint Review:


  • Submitted: Thu, July 31, 2014
  • Updated: Thu, July 31, 2014

  • Reported By: B.J. — Dallas Texas
1550 Peachtree Street NE Atlanta, Georgia USA

Equifax Has refused to provide me my credit report for two years because I'm homeless. I've always checked all three credit reports online. I never have a problem with Transunion or Experian. However Equifax blocked my online access and even though I've sent them my social security card and state ID several times they have refused to provide me my report or remove the online block until I send them a utility bill or lease that confirms my address. They don't care that I'm homeless. I called the Equifax Office of Consumer & Agency Assistance at 1-866-222-5901 several times and the agents were all rude and told me I wouldn't get my credit report until I found a 'place to stay'. Equifax lied to the Consumer Financial Protection Bureau like they are simply trying to verify my identity when I've sent them my social security card and ID several times. Truth is I owe a lot of creditors since falling on hard times and these creditors are pressuring Equifax to find my address and Equifax has decided to hold my credit report 'HOSTAGE' until I send them an address. They know I am the person on the report. I offered to drive to their office and bring my ID and they REFUSED. Equifax is RUTHLESS. How can I be denied my credit report for TWO WHOLE YEARS? I have no idea what's on it. Its wrong to say 'find a home first and check your credit later' as Equifax has told me to do. Please write the CEO of Equifax with me at: CEO of Equifax: Richard Frederick Smith, 4270 NW Harris Trail, Atlanta, GA 30327. Equifax also blocked my phone number when I called to complain. For some reason when I call from my personal phone the calls to Equifax generate a weird 'out of service' message. This started happening immediately after I called their office several times. I can use my friends phone or any other phone and call the same number and the calls go through just fine. SHAME ON EQUIFAX!! Atlanta Georgia

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I am homeless. I have been homeless for three years. I have always checked all three credit reports online. I have never had a problem checking my Experian and Transunion report online. Two years ago Equifax for some reason blocked my online access. I called Equifax and was told to submit my ID, my social security number and proof of my address through a utility bill or voters registration.

I sent Equifax a copy of my state id and social security card and explained that I was homeless, Equifax didn't care. I was told that I would only get a copy of my report 'by mail' after I had sent them 'proof' of my address which I did not have.

Apparently Equifax has no policies in place to deal with the homeless. So it's now been two years since I've seen my Equifax report. I offered to come to their office and show my state id and they refused.

Equifax has lied repeatedly to the Consumer Financial Protection Bureau saying that they need to verify I a' the actual person requesting the report. However Equifax has refused the id and social security card and are stuck on me providing an address. Now mind you I owe a lot of creditors since I've been laid off and I'm sure that are haggling Equifax over my address. Equifax has found a convenient way to try and wrestle a physical address out of me but I don't have one.

Equifax blocked my number when I called them repeatedly begging to get some help. My number can't call them but my friends phone and every other phone I use to call them goes through just fine.

Please send a letter to the CEO of Equifax at:


CEO of Equifax:

Richard Frederick Smith

4270 NW Harris Trail

Atlanta, GA 30327


They simply say my credit report will not be provided until I find a place to live and they have blocked my online access.

This is wrong.

This report was posted on Ripoff Report on 07/31/2014 11:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/equifax/atlanta-georgia-30309/equifax-has-refused-to-provide-me-my-credit-report-for-two-years-because-im-homeless-i-1166586. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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