thierrion Posted February 12, 2003 Report Share Posted February 12, 2003 So, under the FCRA, we're entitled to a free copy of our credit report if we've been denied credit in the prior 60 days.Technology being what it is, we can get it online, right?Not according to Equifax....After being charged (TWICE!) for a free report, they wrote back, saying:The Equifax Credit Report when ordered over the internet is not offered forfree under any circumstances. The internet service provided is what theconsumer is charged for... not the report itself.They refunded ONE of the charges.I was able to get free reports online from the other two agencies.....My story (the letter I wrote to them) is posted next..... Link to comment Share on other sites More sharing options...
thierrion Posted February 12, 2003 Author Report Share Posted February 12, 2003 My story, in the form of my letter to EQ:On January 27, 2003, I was denied an auto loan byHousehold Finance. The body of the letter reads, inpart:Thank you for applying with Household. At this time,we are unable toapprove your application.Our credit decision was based in whole or in part oninformation weobtained in a report from Equifax, a consumerreporting agency, P.O. Box740241, Atlanta, GA 30374, (800) 685-1111.(the full message is also being sent, as anattachment).I tried to order a free copy of my credit report,which I am entitled to under the Fair Credit RecordingAct. I called the 800 number above and entered myinformation into the automated recording system.I was told my request could not be processed with theinformation given.Thinking I must have made a mistake, I tried again.Same result.I tried a third time. Ditto.Frustrated, I logged on to Equifax.com to try toaccess my report online. Unlike other, morecustomer-friendly Credit Reporting Agencies, there wasno quick link to a free report for those who had beendenied credit in the past 60 days.I selected the paid report, certain that, at somepoint, I would be asked if I had been denied credit inthe past 60 days. When it became certain that I wouldnot be asked, I clicked the back button on my browserto go back to the index page.I thought perhaps the FICO score selection would askif I'd been denied credit in 60 days. It did not.Later, to my horror, I found that I was charged forboth a credit report AND a credit report with FICOscore WHEN I WAS LEGALLY ENTITLED TO RECEIVE A FREECREDIT REPORT!!I am quite angry. It is taking a great deal ofstrength on my part to remain cordial.What I would like is for my credit card to be refundedfor the transactions (Credit Report, and Credit Reportwith FICO score) that took place last night, 2/9/03.Transaction# andTransaction#I trust that Equifax has no interest in violating theFair Credit Reporting Act, and that my experience isjust the result of poor design and gross incompetence.(So....incompetence equals increased revenue! GOD BLESS US!!) Link to comment Share on other sites More sharing options...
kimber6337 Posted February 12, 2003 Report Share Posted February 12, 2003 Love it!! Link to comment Share on other sites More sharing options...
Swede Posted February 12, 2003 Report Share Posted February 12, 2003 Hahaha lovely- please keep posting, I love your writing style Link to comment Share on other sites More sharing options...
thierrion Posted February 12, 2003 Author Report Share Posted February 12, 2003 Hey you two! Glad you like the discussion! Your other posts have helped me a great deal.Just a thought, in regards to:The Equifax Credit Report when ordered over the internet is not offered forfree under any circumstances. The internet service provided is what theconsumer is charged for... not the report itself.When we get our report through the mail, does that mean we're paying nine bucks for the FREAKIN' STAMP?? Link to comment Share on other sites More sharing options...
Swede Posted February 12, 2003 Report Share Posted February 12, 2003 <blockquote>Originally posted by thierrionWhen we get our report through the mail, does that mean we're paying nine bucks for the FREAKIN' STAMP??</blockquote>LOL- well you must not forget the mad brain-power behind the entire process. From recieving your request, to preparing the report, to folding it, licking the envelope AND the stamp and proceed to the mailbox, this takes time and time is money..... Link to comment Share on other sites More sharing options...
thierrion Posted February 13, 2003 Author Report Share Posted February 13, 2003 OIC... :dep: Link to comment Share on other sites More sharing options...
LadynRed Posted February 13, 2003 Report Share Posted February 13, 2003 <blockquote>to folding it, licking the envelope AND the stamp and proceed to the mailbox</blockquote>yeah.. right.. they don't fold, lick or apply stamps to anything. Its ALL done by machine and the 'stamp' is a postal meter. Going to the mailbox probably consists of the thing being spit into a huge mail bin and the post office picks up all that stuff at their facility !!There's barely any human effort here at all !! Link to comment Share on other sites More sharing options...
Swede Posted February 13, 2003 Report Share Posted February 13, 2003 <blockquote>Originally posted by LadynRedyeah.. right.. they don't fold, lick or apply stamps to anything. Its ALL done by machine and the 'stamp' is a postal meter. Going to the mailbox probably consists of the thing being spit into a huge mail bin and the post office picks up all that stuff at their facility !!</blockquote>Hmm I was being just a tad facetious......i was thinking that would be apparenet since I referred to a CRA rep as "mad brain power" Link to comment Share on other sites More sharing options...
thierrion Posted February 19, 2003 Author Report Share Posted February 19, 2003 Hmm I was being just a tad facetious......i was thinking that would be apparenet since I referred to a CRA rep as "mad brain power"</blockquote>Since we're on the subject of oxymorons....I just received a "Customer Satisfaction Survey" from EQ. Of course they got a bunch of "1"s (lowest). At the end I congratulated them on their ability to violate the FCRA through poor design and incompetence. It really IS clever!Anyhoo, I click submit....and I get a screen saying MY REPORT CANNOT BE PROCESSED!! :upsidown: I wonder if my report had been able to processed had I given them all 10's..... Link to comment Share on other sites More sharing options...
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