Lenders Can't Pull my Equifax Report

Anonymous — Sun, 26 Apr 2020 04:00:00 GMT

Applying for a mortgage through 2 separate lenders and they are both able to pull from Transunion and Experian without an issue but they are unable to generate/ pull a report from Equifax. When they try to make a pull they are receiving the attached message "Equifax remark: inquiry information identified as fraudulent by consumer - report not available". Lender is using correct name and address, I'm also able to see my credit report through MyEquifax and third party credit reporting services.

Some back story, I did dispute something as "not mine" back in October and I researched and found out that EQ will place a 7 year extended fraud lock on any disputed accounts. When I call in and speak to a supervisor or any other rep, they keep thinking I am asking to remove the reglar fraud lock that is initiated on MyFico.com. They can't find any 7 year fraud lock on my account or have an idea of what I'm talking about, does this go by another name?

I also noticed 2x "Credit File Status Report Blocked for Promotional Purposes" on my account, assuming these are from opting out and are unrelated?

Re: Lenders Can't Pull my Equifax Report

M_Smart007 — Sun, 26 Apr 2020 16:13:56 GMT

@Anonymous, Hi and welcome to myFICO forums.

Yes Equifax seems to be having issues, so you are not alone ..

One of my lenders tried to HP EQ on 4-18 for a CLI and could not.

On 4-11 Citi was successful.

Not sure if this was a glitch or still ongoing?

Re: Lenders Can't Pull my Equifax Report

Anonymous — Mon, 27 Apr 2020 00:45:36 GMT

Did your lender say they received an error statement from Rquifax? Can you keep me updated if that other lender is able to succesfully pull your credit report?

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Lenders Can't Pull my Equifax Report

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Re: Lenders Can't Pull my Equifax Report