Last summer, August I downloaded a copy of all three credit reports from the big 3 - Equifax, Experian, and Transunion... I was reconciling paperwork as I do every year, to make sure things are good. I have hardcopies of each.
In February, I came across a problem with my credit union, and opted to discontinue business with them, moving my money to another credit union locally. To move everything, I had to refinance my car which was not possible due to no credit history on file with Equifax.
Investigating further: I emailed from the CSC website, and I called. I was routed to a call center in Sri Lanka (or maybe India) where I talked to three different people who said everything was good but my file was "Split in two" and the man I last spoke with gave me directions on what to do next: Call Equifax. When I ended the call and sent another email.
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