so I tried to get my free annual Equifax credit report
But apparently I answered one of the security questions wrong. I believe it was the one about the year/make/model of my 1st car. I know the make and model and know the year I got it, so I'm guessing the year of the car was the year later, i.e. they were selling '77s in '76. Honestly I don't remember. It was a gift* from my father. What I want to know is HOW THE FUCK DOES EQUIFAX KNOW WHAT MY FIRST CAR WAS SOME 37 YEARS AGO?!?! IT'S NOT LIKE I GOT CREDIT TO BUY IT!!!!!! WHAT. THE. FUCK.
So anyway, my online request for a credit report was rejected. So I phoned in the request and got a form letter back from them rejecting the request and telling them I have to provide copies of 2 docs, one with my SSN and one with my address. But now I'm steaming, because the rejection letter was addressed:
DEAR CONSUMER. WHAT. THE. GODDAM. FUCK. They were able to put my name and address at the top of the form letter, but apparently addressing me by my name is too much trouble. Or maybe it will give me ideas about myself. Uppity ideas. Like I might get the idea I'm an actual human being with a name, versus a nameless, faceless CONSUMER, I.E. A CONSUMING UNIT, aka USELESS EATER. 
I remember one of my few recent conversations with my teaparty sister, who ranted and raved about how much information the Social Security administration has about her life. I'm beginning to think I get it.
IT'S A PRETTY SAD STATE OF AFFAIRS WHEN NAMELESS/FACELESS CORPORATIONS KNOW MORE ABOUT US THAN WE KNOW ABOUT OURSELVES. THAT WOULD INCLUDE THE UNITED CORPORATION OF AMERIKA. 
*Lest you think I am a spoiled rich brat due to my father buying me my first car, let me tell you the strings that came with that so-called gift. He paid for the car with money stolen from the company where he'd worked for 20+ years. He stole money from them by using my social security number and forging my signature on a 1099 form and made me his "employee," all unbeknownst by me. He then kept the "income" and stuck me with the tax bill, including interest, penalties and a threat of jail time from the IRS. The IRS threat was how I came to learn he'd stolen my identity. The amount of income stolen was just about enough to pay for the car, and right around the same time frame. I suppose from his perspective it was a win/win: he got credit for being "Ace" (the next door neighbor's nickname for him) and "Santa Claus" (the extended family's nickname for him) without spending a dime on the "oops" daughter.
For me, it was a "welcome to adulthood" smack; the equivalent, I suppose, of slapping a baby on the butt when we "welcome" them to the world by inducing a shocked gasp for air. 
= new reply since forum marked as read
Other than making regular payments on all my accounts. I don't have a mortgage, no car payment, no student loans, little debt and no need to ask for credit.
I had actually called the FTC line because I am getting collection calls * and mailings offering credit for other people. The last straw was when yet a different person was the addressee on a letter from the IRS at my street address (I use a PO Box for anything important). I was beginning to get worried about identity theft.
Nothing unusual showed on my credit reports, other than a couple of companies like American Express doing a credit check without me requesting credit from them (or anybody else). I was thrilled that my automatic payments have given me a stellar payment record, too.
Since I will not be applying for more credit or a mortgage - probably ever - I'm not worried about a credit score. I get more companies offering me credit than I could ever want.
* (The collection calls are because I am too cheap to pay for an unlisted number and my land line is listed under my first initial ("A"
and last name. I get calls for anyone who owes money who ever lived in this county and had the same first initial (Andrea, Andres, Antonio, Arlis, etal) and last name. I've talked to the FCC, the FTC, and the state consumer services people about this problem and there is not much they can do - except maybe my consistent reporting of those calls to the Do Not Call list is the reason I have not been getting those calls in the last month or so.)
We have old friends that have not hung onto it but will look us up once a decade or so through the phone book. And on the off chance someone from when I had the same number for my business wants to contact me, they check the business name, then my name - that has happened several times.
Our nieces and nephews don't understand why I still have a land line. First, I get no cell signal here in the house. If I go outside, walk to the top of the hill, I am line of sight with a cell tower and get five bars. Inside a concrete house with a metal roof, below the crest of the hill, nothing. Second, the landline comes with our broadbrand DSL.
The other part is most of the time, I get a bit of fun with the telemarketers. My most recent thing is for the guys from "Microsoft Security Services" - the guys with the Indian accents and spoofed phone numbers. I just pick up the phone and as soon as they identify themselves, I start laughing at them. They can't handle it and hang up pretty fast. The best part is that it puts me in a good mood. 
Yeah, totally believable you're being denied service by this evil corporation because they ask you a question out of the blue about a car you owned 37 years ago.
I call BS on this.
You completed a series of security questions when you registered. Most online registrations dealing in financial and credit applications, in addition to you submitting a password & username, have you answer questions like "What was your first car? "What was your first concert?" "What is the name of your first pet?" … and it sounds like you failed to remember the exact answer that YOU previously registered on login. PARANOID MUCH? … then don't ask for freebies from financial services if you're so damn pissed off at them.
I am not "registered" with Equifax. They got my police report in writing 6 1/2 years ago, along with the other credit bureaus. That is not "registering" with them.
Last week I attempted to get my annual free credit report online. SSN is one of the first questions they asked, along with name. Then they came up with a bunch of security questions, one of which was about a car I owned 37 years ago. Another question that floored me was about a student loan I took out 3 years ago from the USDE/DirectLoan. They gave me EdServices as the possible owner of the loan, not USDE. But service was transferred just 2 months ago, and that was service, not ownership. Another example of how I did NOT REGISTER with "security questions."
I didn't write that the police, FTC or FBI are fucktards that owe me. I wrote that the financial industry are fucktards who owe me because they failed to protect my information.
TROLL MUCH? (and before you alert for name calling, I will remind you that you're the one who called me mentally ill.)
Now why don't you go annoy somebody else with your lack of reading comprehension? 
that's a weird question for them to ask. I have never seen the make, model, year or color of a car listed on any credit report. They do show that ans auto was financed but not the detail. Kinda makes ya wonder where they got that information? I get my free credit reports each year and have never had that question asked. Are you sure you were at the official EQFX site? Never go to those free credit reports sites that advertise on TV. The credit scores they provide aren't even close to the scores used for financing decisions. I also use MYFICO to monitor my credit scores at all three credit bureaus.
Have a great day!! 
The questions from Equifax were a lot more detailed, and there were more of them, than from TransUnion.
I wanted to get all 3 because I get a free credit score from Equifax monthly through my credit union and a recent one claimed I had opened a new line of credit. I haven't to my knowledge so I want to make sure there is nothing there. TransUnion was clean. After the Equifax rejection, I left the site without getting Experian, although I'll probably try that one this weekend.
What really pissed me off was to subsequently order it over the phone and get the reject letter at my P.O. Box. I opened that P.O. Box after my ID was stolen and have gotten my mail there for 7 years. What do they think, that my PO Box was stolen too?
And I hate being referred to as Consumer. They're really batting a thousand with me today
didn't match what they have on file. As I recall, the phone robot had a hard time understanding my name, which I had to repeat and spell out over and over. That's what happens sometimes when you're speaking to a robot and it's not "hearing" certain letters correctly. You can't say "C" as in "CAT" or "T" as in "TOM." it ended up just having me say my name into a recording and played it back to me.
I just noticed that the letter states that along with copies of 2 forms of identity, I have to return the letter too. I may mention their computerized system sucks lemons.
and I've never taken out an auto loan. Other than that car and my last car, I always bought used, cheap for cash.
I don't even know where to find that information about me...
Although, as I wrote above, they get some of it wrong. They had EdServices as the "owner" on their question about my student loan. In fact it is still owned by USDE Direct Loans, but services was transferred to Ed Financial Services a couple months ago, courtesy of the sequester.
I did get my equifax report finally, via my request by mail. It ended up a good thing it happened this way because the hardcopy version included instructions on how to lock it down completely, which I was going to need anyway.
Happily I found nothing unusual on any of my 3 reports so don't have anything to clean up.
Due to my identity theft 7 years ago, with the 7-year fraud alert due to expire on Dec. 31, I'm locking all 3 reports prior to the holiday season. That way I won't spend the rest of my life having to look over my shoulder. It will be a pain in the ass to get new credit, but I don't want it unless I really, really need it. A rare pain in the ass beats constant worry.
