§1681g of the Fair Credit Reporting Act (FCRA) requires that “[e]very consumer reporting agency shall, upon request …” provide you with a copy of your credit report. It is, in other words, a violation of FCRA §1681g for a credit bureau to refuse to give you your credit report as long as you provide the credit bureau with proper identification. If a credit bureau – Equifax, Experian, Innovis, TransUnion (and many others) – refuses to send you your credit report, you are entitled to sue that bureau for damages in federal court. Note that §1681g of the FCRA does not require credit bureaus to provide you with a credit score (and, in fact, most credit bureaus have many different types of credit scores about you that they commonly sell to creditors).

You can obtain a free copy of your credit report from the big three credit bureaus, Equifax, Experian, and TransUnion, one time each year (due to the pandemic, once per week until at least April of 2022) at annualcreditreport.com.