Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
In XXXX 2019, I receive my credit report from all three credit bureau and notice my credit cards were not listed on the credit report. I contact my credit card companies and notify them on this important issue. I call XXXX XXXX XXXX XXXX  to address the problem over the phone and spoke with their credit bureau specialist team. I ask them if they report my credit history to all three credit agency and how often the information is reported. XXXX XXXX    did run a full investigation and the findings were ( a dispute was submitted over 15 years ago and my credit card was complete wipe out from my credit report ). I have had my credit card with XXXX XXXX   for 20 years. How come 2 decades of open credit history vanish from the credit bureaus. A dispute should not wipe out my credit history. XXXX credit specialist notify all three credit bureau and for some reason XXXX  REFUSED to accept my credit history and allow the XXXX credit card to be place back on my credit report. I also contact XXXX, XXXX  and Equifax to see after the investigation if my chase credit card was listed on my report. The response : XXXX  and Equifax my credit card was listed back in the summer of 2019 but not XXXX. I contact XXXX  to speak to a supervisor and the supervisor on duty at the time told me I have to take this matter with my credit card company of which I already did but the problem was not solve. I mention this to the supervisor of XXXX  and the person of whom I spoke with stated in response " it was nothing I can do about it and far as the investigation goes we can't go back as far as 2 years on your file so if the investigation of your credit card company stated to you that you put in a dispute over a decade ago I don't know anything about it and our system does not allow our team to look that far back ''. The conversation ended. XXXX credit card company was unable to solve the problem with XXXX  because it seems to me XXXX  were not easy to accept my credit card and replace the information on file. XXXX credit card specialist stated we can not make XXXX replace your credit card information on file but we will continue to report the XXXX of each month to XXXX, Equifax, and XXXX. 

XXXX credit card I have reported that my credit card is not on file with all three credit bureaus. There was no dispute of any kind with XXXX but my 2 decades of open credit history is completely vanish from my credit report with XXXX. Since I already had a copy of my credit report with all three credit bureau I notice XXXX credit card was also not listed with XXXX. I contact XXXX credit card to report the problem and was not successful with speaking to the department who deals with this sort of issue. I was told by XXXX credit card representative that the department who handles these sort of things does not have a number where I can contact them and speak to someone over the phone they only had a fax number. I fax that department on XXXX, XXXX and XXXX of 2019. I just receive my first letter from XXXX concerning my issue in XXXX 2019. It should not have taken this many months to respond to my letters. The letter from XXXX stated they could not find my information so therefore there will be NO investigation until more information will be sent in by me. I have report enough information and made a full statement to XXXX three times this year. in XXXX, I reply back to them with my private information credit card number, last 4 digit of my SSN, full address and telephone number and email. I have yet to get a response from XXXX concerning this very important issue and here we are in the first week in XXXX. No Word From Them What I will like for consumer financial.gov to do is run a compete investigation on XXXX  to see why both my credit cards is not on file with them. I also will like to run an investigation on XXXX to see why I have not receive any type of response by letter, email or phone concerning why they are not reporting to Transunion. This matter have taken me by storm because my credit score has drop below average. I receive a credit score from XXXX on XXXX XXXX, 2019 and it was XXXX. My FICO credit score being so terrible I can not get into any rental property or purchase any thing that will require someone to do a credit check. Right now my landlord has sold the building where I live and the new landlord want the entire building empty so this matter should be taken very serious so I can move into a new place but I can't until this matter is resolve. I think if both my credit cards were on file with the credit bureau that my score will increase. Right now it shows I have no credit at all which put me at bad credit because 20 years of credit has vanish. I very aware that filing this complaint has nothing to do with my credit score but it will increase my changes of a fair average if both my credit cards were on file with my entire credit history. Each credit card XXXX and XXXX has been open since late XXXX. I will like for my entire credit history to be replace with the credit bureaus esp. XXXX  which is what most companies check for when checking credit. This is so important to me can someone investigate this matter and keep me updated on the situation. 
I'm sending consumer financial a copy of my XXXX  credit report which is only 4 pages so you can see for yourself that there is no credit card on my credit report. I also sent a copy of the letter I sent to XXXX on XXXX XXXX, 2019. I also included a copy of XXXX  credit report to prove to you that I had both credit cards listed once before on my credit report and when both cards were open since the late XXXX. If you should need more detail information or need to see the full credit report from all three credit bureau please reach out to me by phone or email.

Company response to consumer: Closed with explanation