I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.