I work full time and don't have time to go back and forth with these guys on the phone. To be honest, I believe they are purposefully not fulfilling their responsibilities under the FACT Act. Can anyone advise me on recourse for this? I filled out the paper request back in 2011 and never got my report, and in 2012 I just threw my hands up and didn't bother trying to mail in a request. Yes, I am venting, but seriously...3 years? Has anyone else had an experience similar to mine with Equifax? Has anyone here had the process go smoothly and get their CR delivered online as promised? Besides calling Equifax, do I have any recourse?