Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: WA
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 of 2021, I realized that my bank had shared the incorrect SSN with the three credit agencies. My bank communicated the new information to Equifax, XXXX, and XXXX. XXXX and XXXX were wonderful ; they assured me that the error had been corrected and reflected accurately. However, Equifax was an absolute nightmare. 
Not only was the SSN not changed, despite being provided by a major bank, but my numerous attempts to fix the issue landed on deaf ears. 
I submitted 6 online disputes, and these disputes all concluded that the requested information had been updated, yet the information still presented incorrectly on MyEquifax.com, and I was unable to access my Equifax credit reports via XXXX. 
Additionally, I had mailed even excessive amounts of supporting documents to the given address twice, faxed the same documents twice, yet I was told by a rude agent over the phone that the documents I had sent were illegible ( as if I wouldnt notice that before mailing them ). 
Now, to address your customer service agents, they have been nothing but useless. I think we can all agree that I should not have to call customer service more than 15 times to get a singular clerical error fixed. Not only do they spend a suspicious amount of time typing in silence before I receive aid ( I had two agents spend more that 30 minutes in this silent/typing stage ), but it seems that the answers that they are giving me are completely randomly generated. 
Most agents tell me to resend the copies, one told me that it was a technological error on XXXX and that my information was correct ( that was a lie ), and another told me that the copies I both mailed and faxed were illegible ( they were not ). Additionally, all dispute results I have received seem promising and appear to have fixed my issue, only to be blatant lies ( the information remains unchanged ). Additionally, I have emailed proof from Equifax of a dispute being completed more than two months after initiation, which violates my rights under the Fair Credit Reporting Act. 
I am so incredibly frustrated and honestly, completely done with this process. It has been 6 months since I first attempted to get a singular number changed in a false SSN, and since then I have spent my own money on sending copies to Equifax, and wasted my time on lengthy and vapid phone calls with customer service representatives. And, want to know the cherry on top of it all? Equifax now has my address wrong, and not only is it an address that doesnt even exist geographically, it is an address that they certainly didnt get from my XXXX or XXXX file, or my bank account. 
I would like to know what you plan on doing to fix my situation, because it is absolutely absurd that I have had to jump through so many hurdles to fix such a small clerical error that wasnt even my doing. The errors in my personal information on my Equifax file need to be resolved, now. 
I truly hope to never associate or deal with this company ever again, and I will be sure to tell all new creditors that I meet to avoid your company like the plague.

Company response to consumer: Closed with explanation