Where do I start.
So i have been having an issue with equifax since july 6th. I have not been able to pull a credit report from anyone. Myfico, CCT, Experian 3 in 1, Credit Karma, annual credit report, using the BD method, Nothing nada, Even applying for credit They can't pull EQ. there is no freeze, no fraud, nothing.
Well after 2hrs tonight on the phone with them back and forth on whats wrong and who did what. I finally get over to a US based rep. She says everything is fine and that i need to be transfered somewere else, So she transfers me. The guy who can't speak much english conviences me that if i upgrade my EQ monitoring from the 5.95 to the 17.99 it will work. So i say ok fine if thats wat i have to do.
He takes my discover information after 15 monutes comes back and says it was declined. I said No it wasn't i recieve both a text and email on the charges. After a brief hold again he says it was declined. Asked me for another credit card. So i say ok. I give him my navy federal CC. 15 minute hold time he comes back and says declined. I said I'm looking at my account online and I see the charge. He says nope declined. So he said he needs another CC. I said fine but I am sending a complaint to the CFPB but i'll play youir game. I have arpund 120 CC here, you tell me what one you'd like to use and i start saying Citi, Chase, Amex, i have master cards, visa', discover. So the chap decides to give my AMEX a whirl. 15 minutes later he comes back DECLINED!!! I'm like ok man what ever so he needs to transfer me over to a specialist...go figure.
So now i have to have a confrence call tomorrow i guess becasue some personal data is messed up...
Well now discover locked my card down and my account...I have to call them back tomorrow the lady said. I literally just got this 11k discover, I hope the hell the don't cancel it and close the account on me over all this.
Im at my wits end with EQUIFAX, this has been going on for 2 weeks now.......So now i have a locked discover account, charged 17.99 3 times and still no credit report from EQ can be updated. They have pushed their product so much. we have become more of a money maker for the CR agencys anymore than carring about our files.
As you stated, obviously something is way messed up with your credit report on EQ. I feel your pain but hopefully after your call tomorrow you can straighten out what the heck is going on and clean up not only the botched data that EQ has on you but also appeal to them to cancel the charges they asked for.
I'd call all three credit card accounts that were charged asap to explain what happened so at least they are aware that you have done no wrong.
Maybe in the end it'll be worth the hassle now.
Luck to you!
This sounds like a total headache. One thing I'm not understanding though are your multiple CC declines. I don't get what a CC transaction has to do with Equifax. And, I don't get why they are saying that transactions are being declined if you can see the charges pending on your accounts?
Gotcha. So you're not saying that you (he) was actually seeing declined transactions, but rather that he was lying to you. That's a pretty grimy move.
Honestly I would be concerned that he was just trying to your credit card numbers to as many cards as he could. I would keep a very close eye on them, especially since you show that the charges went through. Call your credit card companies and dispute those charges and see if there is some type of fraud alert you can put on them.