Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
Please consider this Email the filing of a formal complaint against Equifax, the credit reporting agency. 

I am a member of creditkarma.com. Equifax stopped updating my credit score on XX/XX/2023. I sent several letters to Equifax asking them to fix this, all of which were ignored. Then I recently applied for a XXXX XXXX Credit Card. I thought this would be a breeze since I am in good standing on all of my credit obligations including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I have an XXXX XXXX score provided to me by XXXX XXXX. I was turned down and the reason given was they received information from Equifax that I had Insufficient Credit Experience. ( letter attached ). That does not make sense since I am XXXX XXXX XXXX and have over 50 years of a PERFECT credit history. 

I went on line to see my Equifax credit report and was shocked to see all zeros and blanks. Now I see where XXXX XXXX got their information. It's like I became invisible to Equifax. And when I contacted XXXX XXXX  the service that approves XXXX XXXX XXXX, they said they can not use any other credit reporting agency. What a scam and what appears to be the good old boy system at work. 

I then called Equifax and tried to have a conversation with their representative to once again fix this problem. She was nice but had an accent too strong for me to fluently understand what she was saying. This is bad customer service. This after 30 minutes of questions all of which I answered. Since I could not understand her, I asked to speak to someone else. After waiting another 48 minutes on hold, a gentleman got on the line who also had a strong accent but I was able to understand most of what he said. He went through every piece of information to verify that I was who I said I was. Then he said I needed to send him more documentation in order to get my credit report back on Equifax. 

At that point I somewhat exploded. ( I did not curse or issue threats ) He had every piece of information about me right in front of him. I reminded him that this was his company 's screw up. I became invisible to Equifax due to no fault of mine. I scolded him that he is destroying my credit history and as such is destroying my life. None of which seemed to impress him at all. I told him that he needed to fix his mistake and fix it right now without me having to jump through even more hoops. He refused to accept responsibility and did not offer to fix his mistake. He seemed complacent to ignore my plea and after I told him that Equifax is supposed is in existance to help both businesses and consumers yet he seemed not to care what he was putting me through. 

I am filing a complaint that I have suffered damages as a result of Equifax 's inability to fix a problem that they made, even after I brought the issue to their attention. 

Your assistance in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief