In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX