QUESTION
Consumer Credit File Blocked by Equifax
Asked on Feb 01st, 2016 on Debtor and Creditor - Tennessee
More details to this question:
I have been denied credit because Equifax has me in their system with a block on my consumer credit report.I have letters were I tried to obtain credit letting me know the reason why I was denied credit with these creditors.I have sent several certified letters asking Equifax to remove this block and I was told by one of their employees that they are not going to release my credit file and if I want to view my own credit report, I would have to call them during their business hours and request it and that will also apply to creditors who I wish to require credit from.I know this is against the (FCRA) Law. Will this be a case your law office can take.Thanks
1 ANSWER
The summary as you provided with this inquire appears to indicate that Equifax will not tell you why there is a block on your credit history. The first thing that needs to be done is to determine why there is a block? Sometimes a credit reporting agency will put a block if there is a claim of identify theft although there are other reasons too. I would follow their suggestion that you call during normal business hours and request it. I would suggest that you need to create a notebook of everything that has happened to you in your dealings with them from the beginning and keep it current. Please advise me where you are located?
Answered on Feb 01st, 2016 at 5:49 PM