https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3147214#M188714 <P>I need to initiate a dispute with Equifax to get an inquiry removed, and in order to do so I first need to pull my report. I went online and requested a free report (both denied credit and had a change to credit limit recently), filled everything out, and got a message that said:</P><P>&nbsp;</P><P>Online Delivery Unavailable</P><P>At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you&nbsp;by contacting us at 1-800-685-1111.</P><P>&nbsp;</P><P>I did, however, receive a confirmation email that gave the order transaction number and said "Your product is ready to use right now" - I cannot, however, see any report available when I log on to my account. I then called the number listed (voice-automated) and tried again to request my free report. I was given another confirmation number and told to hold while my call was transferred, at which point I was disconnected instead. If I try to request yet another copy, it charges me and asks for credit card information because their records indicate that I have already gotten my free copy.</P><P>&nbsp;</P><P>I cannot for the life of me get a real person on the line to sort this out. I tried calling their product support line and got an offshort agent who simply transferred my call back to the voice-automated number. I emailed customer service as well, but have not heard back even though they said I would get a response by now (and let's face it, I have never had a positive experience emailing customer service).</P><P>&nbsp;</P><P>Has anyone had a similar problem or know what's going on and what I can do, or at least know if there's any way to get someone on the phone to help me?</P> Wed, 04 Jun 2014 19:24:36 GMT elegia 2014-06-04T19:24:36Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3147214#M188714 <P>I need to initiate a dispute with Equifax to get an inquiry removed, and in order to do so I first need to pull my report. I went online and requested a free report (both denied credit and had a change to credit limit recently), filled everything out, and got a message that said:</P><P>&nbsp;</P><P>Online Delivery Unavailable</P><P>At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you&nbsp;by contacting us at 1-800-685-1111.</P><P>&nbsp;</P><P>I did, however, receive a confirmation email that gave the order transaction number and said "Your product is ready to use right now" - I cannot, however, see any report available when I log on to my account. I then called the number listed (voice-automated) and tried again to request my free report. I was given another confirmation number and told to hold while my call was transferred, at which point I was disconnected instead. If I try to request yet another copy, it charges me and asks for credit card information because their records indicate that I have already gotten my free copy.</P><P>&nbsp;</P><P>I cannot for the life of me get a real person on the line to sort this out. I tried calling their product support line and got an offshort agent who simply transferred my call back to the voice-automated number. I emailed customer service as well, but have not heard back even though they said I would get a response by now (and let's face it, I have never had a positive experience emailing customer service).</P><P>&nbsp;</P><P>Has anyone had a similar problem or know what's going on and what I can do, or at least know if there's any way to get someone on the phone to help me?</P> Wed, 04 Jun 2014 19:24:36 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3147214#M188714 elegia 2014-06-04T19:24:36Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3147962#M188750 <P>Dont have a number for calling in but what I would do is write a letter to TU tell them what happend and request the report be forwarded to you via US Mail. You want hard copy anyway its got a lot more info than one delivered online. Send the letter CMRR</P> Wed, 04 Jun 2014 23:31:40 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3147962#M188750 gdale6 2014-06-04T23:31:40Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3150102#M188794 <P>Huh, I did not know that there was a substantial difference between online and hard copies - thanks!</P> Thu, 05 Jun 2014 18:43:19 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Help-Problem-with-Equifax-report/m-p/3150102#M188794 elegia 2014-06-05T18:43:19Z