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Equifax security freeze pains
Old 09-18-2008, 10:01 PM   #1
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Equifax security freeze pains

A little over a month ago I decided to place security freezes on all my credit files. I send letters and checks for $7.50 (as TN requires) to each of the credit bureaus. TransUnion and Experian give me no trouble.

Equifax rejects my request, it said I didn't include required information, but did not say specifically what. Best I could tell, I had included everything on the list. But okay, I go directly by their letter and send exactly what they ask for. They reject it again.

I decide to try placing it online. I initially did it by paper because TransUnion rejected my online request for a security freeze.

So I fill out the form to place the security freeze online with Equifax. It goes through. But wait, it tells me to be sure to save the document below. I assume this document is supposed to include my PIN. There was no document below, the rest of the page was just white.

Now I look up how to get a "replacement" PIN. It costs $5 and you have to do it by mail. I guess I will just do it and send the check. I have never been able to get a real person at Equifax who knows anything about the security freezes. The only people I can get are to do a dispute over the phone.

Did I mention that for my mailed paper requests they cashed my check even though they did not place the freeze? I then paid $7.50 to do it online. I also had to send the request certified mail return receipt requested, so now I have spent over $30 on just the Equifax freeze if you include the $5 for a replacement PIN.

The question is, am I going to get the PIN or are they going to say I haven't sent in everything that is required?
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Old 09-18-2008, 11:38 PM   #2
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Sounds like how my granddaughter (2 1/2) deals with not wanting to eat her vegetables. Just make it so miserable you finally give up. And these are the companies that control our credit reports.

I haven't done much programming recently, but I bet I could write a system that would allow easy and secure credit freeze and unfreeze processes online. I doubt it would take more than a week or so, even at my ER rate of working. They just don't want to give up control.
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Old 09-19-2008, 04:16 AM   #3
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Quote:
Originally Posted by tpcooper View Post
A little over a month ago I decided to place security freezes on all my credit files. I send letters and checks for $7.50 (as TN requires) to each of the credit bureaus. TransUnion and Experian give me no trouble.

Equifax rejects my request, it said I didn't include required information, but did not say specifically what. Best I could tell, I had included everything on the list. But okay, I go directly by their letter and send exactly what they ask for. They reject it again.

I decide to try placing it online. I initially did it by paper because TransUnion rejected my online request for a security freeze.

So I fill out the form to place the security freeze online with Equifax. It goes through. But wait, it tells me to be sure to save the document below. I assume this document is supposed to include my PIN. There was no document below, the rest of the page was just white.

Now I look up how to get a "replacement" PIN. It costs $5 and you have to do it by mail. I guess I will just do it and send the check. I have never been able to get a real person at Equifax who knows anything about the security freezes. The only people I can get are to do a dispute over the phone.

Did I mention that for my mailed paper requests they cashed my check even though they did not place the freeze? I then paid $7.50 to do it online. I also had to send the request certified mail return receipt requested, so now I have spent over $30 on just the Equifax freeze if you include the $5 for a replacement PIN.

The question is, am I going to get the PIN or are they going to say I haven't sent in everything that is required?
File a complaint with your state ASAP and detail out the mess. Otherwise those companies will get away with it.
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Old 09-19-2008, 07:47 AM   #4
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Originally Posted by tpcooper View Post
I have never been able to get a real person at Equifax who knows anything about the security freezes. The only people I can get are to do a dispute over the phone.
If, somehow, you could get hold of a supervisor, that might improve your chances of success. They seem to be an order of magnitude easier to communicate with. I feel your pain.........it's like talking to the walls sometimes. Good luck.......
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Old 10-12-2008, 11:58 AM   #5
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I thought I would update this for anyone else that ever runs into this problem and searches on this board for help. Neither Equifax nor the state were ever much help. I finally got it resolved on Friday, with the help of the Better Business Bureau, but it still took several exchanges with Equifax through the BBB.
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Old 10-12-2008, 12:41 PM   #6
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I have not done a freeze but am considering it. I looked at each of the three credit agencies' sites. It looked to me like it could be arranged online.
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Old 10-12-2008, 01:28 PM   #7
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It can be done online. The problem is they give you a quiz on your credit report information to prove it is you. Questions like "Which of the following streets have you lived on in the last five years?" I could never pass. I guess they know better than me... :-)
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Old 10-12-2008, 02:10 PM   #8
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Frustrating to have to go through this, and pay, just to keep them from giving out information about you.
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Old 10-13-2008, 06:21 PM   #9
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Scam. If you would just quit bucking the system and permit them to keep re-selling your credit data and exposing you to all manner of identity theft risk, you would not be having this problem!
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