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Report: #1101649

Complaint Review: Equifax - Atlanta Georgia

  • Submitted:
  • Updated:
  • Reported By: MrQRcode — Bella Vista California
  • Author Confirmed What's this?
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  • Equifax P.O. Box 740256 Atlanta, Georgia USA

Equifax (Experian) (Trans Union) Have Stolen My Credit Score And Won't Give It Back! In the past I had joked about wishing someone would steal my indenity, But I never imagined this.... Atlanta Georgia

*Author of original report: Agent Orange Veteran Responds to Original Complaint

*Consumer Comment: MrQRcode,

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Equifax, Experian, and Trans Union, All three credit reporting agencies who have taken it upon themselves to set up businesses reportly to furnish, for sale, American Citizens' credit scores, have conspired, one with the other, to not provide anyone I request credit from, or even myself a credit score.

In a country where we know credit agencies for the largest banks in the world, many of which where on the brink of financial disaster, were paid-off by  these same bankers to obtain credit ratings on themselves and transactions they did not deserve. This fraud nearly took our nation down, and still may.

In years past, I have said, jokingly, "I wish someone would steal my identity" but what has happened to me regarding my credit score is really far worse than that. I have no score. I don't have any information on how I am supposed to get one. Nothing is written on my report that tells me why I don't have one. Worse than that, no where or way has been given to me to ever get a score back.  

Now, in some third world country, Vietnam for instance, this credit score might not be an issue at all, but in the good, ole USA, credit scores are as important at cocktail parties (do people still call them that?) than pictures of the kids.

Notice, I'm not complaining here about a lower score, I'm complaining about a system, that I have too little faith in, that there exist in fact, no way in hell have they been able to accurately discover or know, the total extent of credit, successful or not, I have been granted, paid off in a timely fashion, or not paid due perhaps to some violation of terms of a contract or perhaps a health issue seperation or bad divorce. This makes, again, I my opionion, this makes these agencies monopolies on a nation's credit suspect at least, and more than like fraudulent at best.

This report was posted on Ripoff Report on 11/23/2013 07:10 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Comment


AUTHOR: Karl - ()

POSTED: Saturday, November 23, 2013

Feel free to send a copy of your Ripoff Report to all of your Local TV News Stations. Put it to the attention of 'Investigative Reporter'. There is a chance that one of them may call you and do a story on TV.

You can also send a copy of your Ripoff Report to President Obama. I believe that his address is available at this website. Just type in 1088808 and it appears at the beginning of Ripoff Report #1088808. Let our president know what is happening to Americans, such as yourself.

Without a credit score it could make getting a job difficult. It could also make your car insurance go higher. Our entire system revolves around credit. Heck, the U.S. government needs to have a good credit rating in order to borrow the billions of dollars from countries like China each year in order to stay afloat, right? We are a nation that is based on debt. Debt is necessary to keep the country going. Unfortunately, being deep in debt creates many problems.

Good luck to you, and make sure to spread your Ripoff Report all over the web at sites like Twitter, Tumblr, Instagram, and Facebook every day!

P.S. You can 'Google' this- FRONTLINE: INSIDE THE MELTDOWN, and watch that documentary on the web in order to see how the U.S. government and much of Wall Street was able to stay afloat during the financial crisis, which was a result of too much debt that couldn't be paid back by the millions of people and large Wall Street corporations in the USA.


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#1 Author of original report

Agent Orange Veteran Responds to Original Complaint

AUTHOR: citizenactivist - ()

POSTED: Saturday, November 23, 2013

Listen, I the first to admit my credit history, which for the first 20 years  of my life, was spotless, is NOT today. I had some slow pays after my divorce and my credit history, due to repeated agent orange related surgeries as I got older, became even rockier. But,

Like the outside salesman that drives 30,000 miles a year, compared to say my mom who drives less than 5,000 miles, you would expect the salesman to have more traffic exposure and maybe more traffic violations than mom. It's understanable. But it does not mean the salesman is a DEADBEAT driver, it just means the salesman had more exposure. So who, is a proven, better driver?  Mom or the salesman?

So, living on SSI (The feds called me 100% disabled) after 12 years of fighting the VA for an agent orange-related illnesses and settlement (that they finally admitted too) a full nearly 20 years ago, 4 related surgeries and 1 not related, over the course of the last 15 years. I finally was forced into BK by a judge who said there was no way I would earn enough to pay my creditors, when in fact, a couple of years later, I not only owned two commercial buildings on two commercial lots, a coin laundry, and a couple of houses, but had gone back and paid off my creditors. Still two surgeries within 2 months of each other and the ten months of pain killers and rehab would cost me everything again, for the third time in my career. 

Within this same period I was a signer on a $35,000 equipment lease, and $500,000 mortgage, and $125,000 mortagage, a $25,000 mortgage, 4 first deeds of trust and loans I made at $10,000 each.  Even after my surgeries when I sold out my interest in my LLC in exchange for the new owners taking over all tax liabilities, and mortgages, all loans and mortgages totalling maybe over $700,000 were satisfied. 

Since then, the VA has begun the long process of satisfiying my Agent Orange claim, twice now they made fairly large payments (which had accumilated over 10 years) twice I retired ALL personal and public debt. Including a car purchased with 1/2 down cash, and a loan with a well-known lender (both now out of business) and the car was paid off early, by at least a couple of years. Does the car credit limit and the satisfied loan show?  You bet, does any of the above show?, very little to none.

Then I have to ask the question, if none of the millions in payments, made by me, or companies I represented, over my 40 years, What good are these reports? Who do they help?  My potential new credit granters? No  Me? NO. All they help is these three agencies who report to HAVE THE GOODS ON ME. Intel, they don't have access too or don't take the time and trouble to have access too, which they then sell, (as the record) of my credit history, for a profit.

Where I come from, THAT is called a Sham, A Scam. B.S. Excuse for making a living.



aka citizenactivist


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