Onceagain33
Active Member
Colorado
i could not seem to find a category this fit into. Please move it if this is a wrong guess.
in early March of this year I received a post card (folded for privacy) from equifax. It stated that there were 8 or more inquiries into my credit file during the last year. I found that to be alarming since that credit file has been frozen ever since that big data breach back in 2016.
I tried to call them on their number provided. But, ran into an issue...my phone was stolen a year ago, so the phone number they have for me does not match my current number. So, I opted to answer the questions instead. It asked me about store credit cards ...I have none, and I haven’t had one in more than 30 years. It asked me about car loans...again, I have none and have not had one in more than 40 years. It asked me about personal loans...never had one. It the refused me access!! Now I am really worried.
i wrote a long letter...explained all this, provided all the info asked of me....addresses for the last 5 years, copy of drivers license ...etc.
got 2 strange replies back both arriving on the same day: First one was a folded post card, it claimed I didn’t provide the infomation they need to assist me. The second one was a letter...in it they stated that an inquiry was opened into my dispute and they would contact the vendor(???) and the following page details the nature of my dispute.....except there was no other page in that letter. What dispute? What vendor? What?
i wrote another letter, and attached a copy of the first letter. Asking what the heck? I included new photo copies of all my data..enlarged incase they couldn’t read it. I also asked for a copy of my credit report....I am entitled to one free copy a year.
I got back another form letter saying they are investigating my dispute and will contact me after a reply from the vendor...the same letter I got the first time. No response to my request for both my credit report and an explanation for the original post card.
I am being completely ignored! It looks like no human is actually reading a darn thing I write. Further, I am denied access to my credit file...and have no idea...am I the victim of identity theft? I know I have opened no line of credit for years....yet, apparently I got the answer to those questions wrong according to their records. And finally, how could any of this happen in the first place...my credit file has been frozen for the last 4 years.
how do I get them to actually pay attention to my issues? How do I find out what they have allowed to happen to my credit.
thank you for your help in this.
i could not seem to find a category this fit into. Please move it if this is a wrong guess.
in early March of this year I received a post card (folded for privacy) from equifax. It stated that there were 8 or more inquiries into my credit file during the last year. I found that to be alarming since that credit file has been frozen ever since that big data breach back in 2016.
I tried to call them on their number provided. But, ran into an issue...my phone was stolen a year ago, so the phone number they have for me does not match my current number. So, I opted to answer the questions instead. It asked me about store credit cards ...I have none, and I haven’t had one in more than 30 years. It asked me about car loans...again, I have none and have not had one in more than 40 years. It asked me about personal loans...never had one. It the refused me access!! Now I am really worried.
i wrote a long letter...explained all this, provided all the info asked of me....addresses for the last 5 years, copy of drivers license ...etc.
got 2 strange replies back both arriving on the same day: First one was a folded post card, it claimed I didn’t provide the infomation they need to assist me. The second one was a letter...in it they stated that an inquiry was opened into my dispute and they would contact the vendor(???) and the following page details the nature of my dispute.....except there was no other page in that letter. What dispute? What vendor? What?
i wrote another letter, and attached a copy of the first letter. Asking what the heck? I included new photo copies of all my data..enlarged incase they couldn’t read it. I also asked for a copy of my credit report....I am entitled to one free copy a year.
I got back another form letter saying they are investigating my dispute and will contact me after a reply from the vendor...the same letter I got the first time. No response to my request for both my credit report and an explanation for the original post card.
I am being completely ignored! It looks like no human is actually reading a darn thing I write. Further, I am denied access to my credit file...and have no idea...am I the victim of identity theft? I know I have opened no line of credit for years....yet, apparently I got the answer to those questions wrong according to their records. And finally, how could any of this happen in the first place...my credit file has been frozen for the last 4 years.
how do I get them to actually pay attention to my issues? How do I find out what they have allowed to happen to my credit.
thank you for your help in this.