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USA Credit Bureaus - Equifax Says They Do Not Have My Credit File
Anybody ever received a letter from a credit bureau saying they’re unable to locate your credit file? I’ve had a pristine credit history for over 40 years as a member of my credit union and a credit score normally over 800. I have strived life-long to maintain good credit and never missed payments, no bankruptcies, no criminal record. So all of a sudden this summer starting in June I get letters from Experian and then Equifax saying they don’t have my credit file and to send ID documents (the redacted letter from Equifax below at bottom). These credit bureaus are so out of touch with Expats but there are about 10 million Expats worldwide and growing so they better get with the program. I’m sure I’m not the only one (I’d like to start a class action lawsuit). So some history of what happened. First it was Experian who said they did not have my credit file (May ’24) and then I asked my credit union to make sure Experian was getting my credit history. My credit score went from over 800 to around a negative -10. Infuriated I complained to the CFPB which is supposed to oversee credit bureaus to find out how what happened, how did it get ‘lost’. About a month later Experian fixed the problem (each bureau has different credit scores I believe) and I got my credit score back with them to almost normal. So that was relatively easy. But then in June I get a postcard from Equifax (at my Thailand address) saying there is no credit file available. So then I complained to CFPB about Equifax and got this letter from Equifax in late June (OCR redacted copy below) saying they could not locate my credit file. It was very strange because just the month before I happened to download my Equifax Credit Report and it was Exceptional. So anyway, I responded to the Equifax letter via DHL with tracking (it was delivered) and what I sent back met their 2 required items. Side note: They know I’m overseas and unbelievably they don’t ask for a passport for ID just shows how out of touch they are with Expats. So then comes the end of July and I get 2 more identical letters from Equifax but what’s frustrating is they give no information about what they found wrong with my original response. So, they expect you to go through the whole rigmarole again and just take a shot in the dark not knowing what they didn’t like about my response. I am so done with credit bureaus I am not going to waste my time responding to them again. Next complaining to CFPB again, then FTC, then Senator and then a Credit Bureau lawyer. I would be interested if anyone else received a letter like this and what happened. A couple other thoughts: * The credit file is mostly derived from what the bank or creditors send to the credit bureau. I actually do not believe they cannot locate my credit file all they have to do is contact my bank because is a dialogue between banks and the credit bureaus. They have my name, SSN, banks etc. they just nee to put 2 and 2 together. * I have my Equifax credit report from May 24 (I keep close tabs on my credit and frequently download my credit reports form all 3 bureaus) just a few months before this began and it was "Exceptional" credit. What happened how did they ‘lose’ it in about 2 months time. * Although they are not a government agency I they are still obligated to fairly represent credit and by not providing my credit history (which I believe they actually have despite their saying they can’t locate it) they are in effect trashing my credit. How can they not ‘locate it’ don’t they do backups. I think it’s just a BS excuse to harass because I filed a CFPB complaint. (Redacted Letter here below with my notations) We have received your request concerning inaccurate information on your Equifax credit file. We were unable to locate a credit file in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. (I Did in my response) We ask that you please send us a copy of two different items - one from each of the two categories listed below. (I did, solid with SSN card and lease) One item will verify your identity and the other will verify your current address. Category 1) IDENTIFICATION Please make a copy of one of the following items. The item you choose MUST contain your complete 9-digit Social Security number. 8 Pay stub with complete U.S. Social Security number N/A I’m Retired W-2 form with complete U.S. Social Security number N/A I’m Retired Valid Social Security Card Done submitted my original SSN card front and back (which I amazingly still have) Also I submitted a copy of my passport which seems like a no-brainer if you’re dealing with Expats (told this to the Equifax CEO who I DHL’d a copy of my response) Note: A 'Work Permit Only' card is not valid proof of a SSN. Category 2) CURRENT ADDRESS Please make a copy of one of the following items. The item you choose MUST contain your current mailing address of (redacted) Driver's license (I submitted copies of my expired USA license and current Thai license but they did not have current address so probably rejected) Rental/lease agreement or house deed Done I submitted my lease agreement, it’s in English too Pay stub with address N/A Retired Utility bill (i.e. gas, electric, water, cable, residential telephone bill) with current service address. Done submitted my Thai phone that has name and address. They don’t specify if it has to be US phone. Again, we need a total of two items -- one item from each of the categories above -- to process your request. Please submit those items along with this letter to the following address: Equifax Information Services LLC P.O. Box 105069 Atlanta, GA 30348-5069 To ensure that your request is processed without delay, please enlarge photocopies and ensure the information is legible. Illegible documents or documents that contain highlights may cause delay in processing as we may have to ask you to resubmit your request with more legible documents. All submitted documents were clear and legible Please return this letter along with the requested information and your original correspondence/request to the address below. I sent via DHL with tracking number and it was delivered. Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 -
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Trump Harris: Who won the debate ?
I am asking if you will eat ze bugs "to save the planet" forcing will come later as we saw with the "Covid" -
156
Revisiting History: The Unlikely Campaign to Vilify Winston Churchill
Thanks mokwit, good to see some dynamic perspective. Nobody would dispute that the initial German attack was executed extremely well and was highly successful. Of course this reinforces the point, despite these massive numbers of kills the Germans did in terms of planes and tanks the Russians were still able to field sufficient numbers to defeat the Wehrmacht. How could they do that? Because they learnt to adapt to German tactics and strategy, and to copy them to the letter, but most of all because as you said their production of planes and tanks to replace the losses was incredible. Particularly so if we factor in that the Russians had to transplant entire factories eastwards. The Soviets produced over 100,000 (!!!) armoured vehicles over the course of the war. It is truly an incredible feat. This is why I am saying, they did not really need Lend Lease. https://en.wikipedia.org/wiki/Soviet_combat_vehicle_production_during_World_War_II -
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DTV and 5-year driver's license
OP, thanks for report. Can you post detail of what docs you supplied. In particular did you obtain certificate of residence. -
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'Love tourists': Single men travelling overseas to find a bride
Nice. Goodbye old man with a Thai GF 😊 -
29
The Urgent Need for EU Expansion: A Strategic Imperative for Survival
Well you first mentioned these elusive uplands just a few posts ago. Being assertive and headstrong does not necessarily result in good leadership. Divisions in the UK have steadily grown, especially over the last 30 years. Some of these divisions are partly due to the EU, its "pillars" and politics but many grew after a string of dishonest governments. Blaming Brexit for causing these divisions is just riduculous. Brexit was a result of existing divisions. Not being open and honest a good thing? No. That just creates divisions. -
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So why do you use cannabis ?
In my opinion, the feeling of paranoia is really just a sensory trigger related to the slightly elevated heart rate that typically occurs during the first half hour from any of the higher level THC strains. Since, in everyday life, a sudden elevated heart rate often occurs from being frightened, startled or worried about something, the subconscious mind will often associate that sudden increase in heart rate from the cannabis as something worrying that then triggers a mild feeling of paranoia. I think if you acknowledge this then it becomes easier to manage it and normally, after half an hour, the anxiety dissipates and moves into a more relaxed and happy feeling. I also noticed that if I consume more cannabis two hours later, after the initial dose, then that elevated heart rate doesn't occur again and I just get that nice smooth sailing feeling. I do prefer the stronger THC strains though because I find it more difficult to get a solid relaxed and euphoric lock in place from the weaker stuff. Also, by ingesting a cannabis infused oil, the onset of the THC effect is progressive, rather than hitting all at once (like when you smoke it) and, thus with the oil you end up avoiding that initial burst of elevated heart rate and paranoia all together. -
67,390
Worst Joke Ever 2024
Sorry to carry this on in the Joke section but... The carriage,/zipper part had a pin sticking out on either end. This acts as the swivel so the carriage can spin. Their locking pin to hold it into place on the main structure was just No. 8 wire through a hole and wrapped around the pin. It looked bloody suspect. Although the wire probably has a good shear strength I wasn't keen to get on the ride again, and probably wouldn't have in the 1st place if I'd spotted that prior. -
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How to treat the sudden full flow of urine without warning, farang male
From Experience There is a urinary sphincter in your Prostate the problem is somewhere there. Go see a doctor As for Adult Diapers Lazada Brand "Andlove" large pack (100) 10 Baht each good quality -
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'Love tourists': Single men travelling overseas to find a bride
Problem solved, you're on ignore. -
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Harris Surges Past Trump In Election Betting Markets After First Presidential Debate
Perhaps you can post CREDIBLE links that say Trump won. Plenty of Republicans on YouTube saying Trump lost, also blaming the moderators. Try finding me a Democrat who is saying Harris lost. When Biden lost the first debate, Democrats admitted it. Now it's the Republicans' turn. -
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Suphan Buri: Subdistrict Administrative Member Caught Exploiting 12-Year-Old Girl
"Not unusual" means USUAL - that also means common!! So what do you really mean? I’ll have to ask Tom Jones as the default arbiter on this terminology… -
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Van Collides with Trailer Truck on Motorway 7, Four Injured Including Three Chinese
We hired a VIP minivan (4 luxury seats in the back) to ferry some business visitors from the UK around Bangkok, Pattaya and Rayong. The guy was a dangerous driver, weaving in and out of lanes, tailgating, and speeding. I asked him several times to slow down and drive safely, but was only met with tuts and sucking in his breath. These types of people should not be allowed to transport passengers in a commercial vehicle.
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