Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is a complaint regarding information the Equifax Credit Bureau provides to creditors. For the past several years, Equifax has continually and deliberately provided incorrect and insufficient information about my credit status to potential creditors. They have been reluctant and obdurate in correcting this matter despite my repeated attempts of informing them of the required changes. I have attached for your reference, copies of previous complaints for the years XX/XX/XXXX and XX/XX/XXXX, which were filed with the Consumer Financial Protection Bureau ( CFPB ). 

I was recently denied credit, once again, by a brand name XXXX XXXX for a revolving credit account. Upon learning of this decision, I proceeded to register for the first time on the XXXX XXXX   App to see why my credit was so bad ; prior to this I had thought that my credit status was fairly good. I was shocked to discover that Equifax gave me a score of XXXX, while XXXX gave me a score of XXXX. The App explains to the consumer that if there is a large discrepancy between scores from different Credit Bureaus then the consumer should investigate the issue. My investigation resulted in discovering that Equifax scores me on 5 total accounts whereas, XXXX scores me on 13 total accounts. Anyone can clearly deduce that the XXXX score is the more accurate one, since it is based on a larger and more recent data set. I have attached copies of the XXXX XXXX screenshots regarding my credit health for your examination. I have also provided these copies to Equifax and the entity that denied me the credit, XXXX XXXX, which incredibly states in their letter that my score is XXXX as of XX/XX/XXXX, and that they consulted Equifax. I am incensed that there are two different scores being reported by Equifax during the same month and year. From this entirely long and drawn out experience it seems to me there is no accountability at Equifax and they can damage peoples credit whimsically. Now, it also appears that their right hand doesnt know what their left hand is doing or worse there is deep-rooted corruption involved. 

Furthermore, both in the XX/XX/XXXX and XX/XX/XXXXcomplaints mentioned above, it was clearly requested that Equifax remove outdated information and provide additional positive information, which it has deliberately failed to do on both occasions. Some time ago, it was explained to me that some credit lenders and other institutions do not have a financial agreement with each of the Credit Bureaus so not all of the consumers information reaches each Bureau and I surmise that this may be the case here. However, I now question how fair can this situation be to the average consumer ; if a Bureau is not required to provide information from a non-subscribed or non-paying credit lender, then the  consumers data becomes biased and is inherently inaccurate. I believe this complaint has merit because of this quid-pro-quo circumstance, which produces bias in a consumers credit data and because Equifax has failed on repeated occasions to make the corrections I have demonstrated are needed.

Company response to consumer: Closed with non-monetary relief