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Business Profile

Credit Reporting Agencies

AnnualCreditReport.com

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for AnnualCreditReport.com's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 33 total complaints in the last 3 years.
    • 9 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/03/2025

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Annual Credit Report refuses to recognize my identity and gives no explanation why not. They breach my records to any random hacker but the only legitimate owner can't get access.

    • Initial Complaint

      Date:11/21/2024

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Please unblock my ability to access Transunion credit report ********** Ray ID: **************** Your IP: ************ And I was unable to view Equifax report I need to see it. Please I need this right away.I feel like I am being ignored that no one answers me. Please reset my accessibility I can not wait 7 days. I was unable to access visibility. Your site shut down and I feel that is not fair. I need please my ability to logiin and reset the view. I am investigating an account. I would really appreciate assistance right away. Thank you

    • Initial Complaint

      Date:10/21/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have attempted to pull all three of my credit reports via this credit reporting agency for the past year and a half. Per the website, I should receive all three credit reports, if requested. Whenever I put in my personal information and ask for all three reports from each bureau, I only receive my Transunion report. I never receive my Equifax and Experian despite requesting them several times. I am the victim of spousal identity theft where my death has been reported years ago in order to make government entities think Im dead thereby allowing my ex, my sister and various others to use my social security number for their own financial gain. I am personally blocked from my own credit reports as a result of the decades long fraudulent activity of family members who are using my identity. I am reporting this company as it does not make sense that I cannot access my own reports via their website.

    • Initial Complaint

      Date:10/12/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I did not receive my one time free credit report from ***********, which Ive applied for using annual credit report printed form requesting all three and sending it certified Mail. I received the other two, but I have not received Equifax. Its been over a month now and I still havent received our heart any response regarding why I have not received my credit report from them.

    • Initial Complaint

      Date:10/09/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I filed for my pre-credit report with annual credit report. I marked all three for which one I want it for my credit report, which was Equifax and ************ Experience, but I didnt never receive my credit report from *******. It is against the law for them not to give me my free credit report, but this has been the third year, which I requested my credit report and have not received it. I have letters that prove it and Im just putting this on, this has to be noted And I did send this off Priority mail

    • Initial Complaint

      Date:07/04/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Gives weekly/annual credit reports since the Covid. I can't get my Transunion report there. I can only get the other. 2 credit reports there. This is a .com site run by the federal government and you are a .org site that I've heard about my entire life. I've also had a .edu address. People seem to wonder if it is a legitimate site. And yes it is. So,.you would think it would.be a .gov site, but the Bureaus are companies.

    • Initial Complaint

      Date:05/15/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I used annual credit report one time to look at a entry I dispute on my credit report . The advertisement states its a free check once a year. Well I logged in and it stated you need to pay $1.00 dollar to check the entry. It states the one dollar will be refunded. I just got a new credit card because of BS charges trying to post charges on my credit card. The bank said i needed a new one.I used it once or twice and I was locked out of my own credit card. Can't even use my card for gas while at the gas station with no money. My bank said their is a pending charge from this company of $39.12 for a subscription I never signed up for either. This is fraud. Have these people call me I want to be removed.

    • Initial Complaint

      Date:05/15/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have not receveid my copy of my equifax credit report. I have only recevied the TransUnion (04/01/2024) and the Experian (04/01/2024).I had requested this back in March 2024. Please see the attached file that was accompnay with the annula credit report form that was mailed.Thanks in advance.

    • Initial Complaint

      Date:04/25/2024

      Type:Delivery Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      *April 25th, 2024.*To Whom This May ******* at the Executive Level: I AM LIVID, MORTIFIED AND INSULTED WITH YOUR UTTER LACK OF ACKNOWLEDGEMENT, COMPREHENSION AND RESPECT. Between *****, (expected me to act as secretary and be burdened), ***** (slurred, rapid), inappropriate/intrusive demanding comments of "Calm down..she ordered me to calm down several times (terminate) ~ I hung up. ***, demonstrated incompetence with her lack of comprehension, having me spell my name 3 times and she failed to register her questions, violated boundaries when insisting on manager and emphatically wasted my time. Terminate. *****, I had to instruct her how to slow down and verbalize properly. No fragments or abbreviations. Lost call. Tacky. NO UNAUTHORIZED OR UNREQUESTED REPORTS TO BE MAILED. You are legally accountable for failing to safeguard my history, no communication and no accuracy. I expect email response immediately. *Neglected and unmonitored fraudulent activities. *I have been unlawfully positioned as an easy target for tampering, scams and unconscionable access.*Unknown account.

    • Initial Complaint

      Date:04/11/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      For the past few weeks I have been unable to get my Transunion consumer report from annual credit report website where I am allowed to get my free consumer report once a week. I enter my information and I keep getting a message saying transunion is unable to verify my identity. I have been pulling my consumer reports weekly for the past 3 years and I have never had an issue with my identity being verified. Last month I sent a dispute letter to transunion which included my government ID and a utility bill which verifies my address. Several times I have called transunion and they verify that the information they have on file is the same information I am inputting into the annual credit report website when I try to get my consumer report. I have spoken to several reps who said that I am only allowed to get one free report from annual credit report per year which is not true. This has been a very frustrating situation and all I want is for transunion and annual credit report to simply fix this issue so I can pull my transunion credit report as is my right. I have no issues pulling my Equifax or Experian reports from annual credit reports website so clearly there is an issue specifically with transunion and annual credit report. I need this issue to be fixed ASAP. I dont want to have to get one mailed to me. I want to simply be able to go to annual credit reports website and pull my transunion report. There is absolutely no reason why they cant verify my identity. I sent in the necessary documentation for them to easily verify my identity. I need this issue fixed ASAP. I have attached a screenshot of the message I continually receive when I attempt to get my consumer report.

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