Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I applied for a home improvement loan, through XXXX XXXX XXXX, XXXX XXXX, have not been able to pull out my credit report from Equifax. 
I've been dealing with this issue from XX/XX/XXXX, through this day, First, the credit report showed no information, then I called Equifax and they said that XXXX XXXX was submitting the wrong information which was not accurate. The second time XXXX tried to pull out the credit report with the same information and it showed that I had filed a fraud complaint against XXXX XXXX for fraudulent credit report inquiry, which is completely untrue. How could I file a complaint for fraudulent credit report inquiry against XXXX XXXX if I am requesting a home improvement loan from XXXX XXXX? Makes absolutely no sense. 

This is the information received by XXXX XXXX on XX/XX/XXXX, and then on XX/XX/XXXX ; Credit report Date ORDERED XX/XX/XXXX, - Date complete XX/XX/XXXX. B-EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. RQD BY XXXX I called Equifax over and over and every time they gave me a different response but no solution. Then I went to their XXXX page and I wrote a request to for the issue to be resolved. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Supervisor, Executive Office of Consumer Services, Equifax Information Services, LLC,  Phone : ( XXXX ) XXXX, Fax : XXXX ) XXXX, Email : XXXXXXXX. and on XX/XX/XXXX, he said that everything in the credit report was corrected. My new address was included and everything else was updated. I sent that email to XXXX XXXX, they pulled out the credit again and again the same information came up. Again I sent an email to Mr. XXXX XXXX, he did not answer, so I went back to Equifax XXXX page and sent another request. On XX/XX/XXXX, I received the response from Mr , XXXX which I forwarded to XXXX  XXXX. Please see below ; I sent a second email to XXXX XXXX from Equifax ( see below ) and this time he called me back, and he said to email to you the Business Customer Service Number so you or the underwriter can contact Equifax/Business Customer Service to finally clear up this issue that is really hurting me. XXXX XXXX asked me to inform you and I quote " to call the Business Customer Service number at XXXX and to let them know that you are trying to retrieve a customer profile and it is coming up with the same information ; " EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE, EQUIFAX - PULLED ON : XXXX/XXXX/XXXX - INFILE DATE : N/A, even when the address has been corrected as XXXX XXXX XXXX XXXX, XXXX, FL XXXX ''. 
XXXX XXXX said and I quote, " that he can not talk to you due to the fact that this is a matter that has to be done with the Business Customer Service, not with Client Customer Service ''. I Cc XXXX XXXX on this email just in case he needs to escalate this issue, he will have copies of emails sent and received in order to effectively deal with this issue. 

I have done everything possible to resolve this issue, however, as of today, I have not been able to go through with my application for the home improvement loan due to the lack of responsibility from Equifax in resolving this issue. They asked XXXX XXXX XXXX to call the Business Customer Service which they have done many times with no positive results, and in addition, XXXX XXXX is not the one that needs to call to resolve an issue that has been created by Equifax. They are jeopardizing and harming my credit with this incorrect information that they do not want to correct. 

I beg from you to assist me to resolve this matter as soon as possible in order for me to be able to get approved for this home improvement loan. 

Your prompt attention and response to this very important matter are very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX PS I am attaching the last two emails, however, if you need copies of all the emails please let me know. Thanks

Company response to consumer: Closed with explanation