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After checking, he said that one of my credit card showed a much higher threshold than I thought. Seven numbers during this whole circumstance. So I went through innumerable automatic messaging (including those asking for all your information to get your FREE credit report, which after 20 min simply asks you to submit a note with all that information - just a minute, teeny bit of how futile and tortuous your IVR system is), and when I eventually pierced to a true figure (48 min in that process) where they happily "yup, I can verify it!
Straight up engaged - no IVR, no telephone line waiting (and I run a call centre so I know how these work), clearly out of order or not working. Return to website - try two more telephone numbers. Occupied tone. Sample the Equifax line on recent violations - I get a man who not only doesn't have my personally identifiable information (so how are they gonna exactly verify if your information has been compromised?), he couldn't even give me a telephone number or refer me - I figure he got sh** all morning, so I kindly said thank you and hang up, but I frankly can't tell you what they're paying for.
Five more mins down the drains. It is at this point, more than an hours later, that I give in and resolve to go on-line to my credit report, either to verify the information myself or to gain direct contact with this so-called "dedicated telephone line in the Member Centre". The next 20 min I spent finding a telephone number to terminate the ministry because the first two (to which "please terminate my ministry" leads) did not work again and had a dial tone.
At last I find a number that works and ask to unsubscribe from my services and get a full refund. Please do not forget to tell me what number you have. So, when I asked, "So, you tell me that to corroborate my suspicion that I might have had cheating on my bank or IDENTITY STOLEN accounts, even if I had been able to get in touch with anyone, anyone, I would have to charge you on the telephone for that information".
Well, Equifax, not only is your website futile, your telephone wires and your IVR system totally messy, nonsense and a giant waster of time (not to speak of ridiculous sensitivity, I was coughing at one point and was taken back to the beginning of the options), I was previously having my ID taken away, and all I wanted was a statement that this information was either accurate or not, without having to await my "free" credit report in the email, while someone could have charged a credit in my name.