Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is not reporting my credit profile with their agency. I called and they stated my name was incorrect which is the reason for the issue. My name in their system is XXXX XXXX XXXX and XXXX XXXX XXXX and my address was incorrect. This was the reason i could not verify my personal information. I explained to them that my credit report use to show and that I had proof on XXXX XXXX. The rep said, I can not answer that question. 

They informed me that i needed to send in a copy of my DL, proof of address, and a copy of my SSC showing my legal name for update. 

I sent the letter in XXXX. I called them in XXXX and a gentleman verified my identity, stated he received my documents and was processing my request. He even stated that my reports were also not showing because there was a flag on the account and that he would remove it. I also let this rep know that I was able to once see my credit profile with Equifax at one point and he stated, my entire report shows empty so maybe me not having a score was the problem. I was confused. He even updated my accurate mailing address. In the process, the call dropped, and I had to call back. This representative stated they did not have record of my dispute and documents and that I had to re-mail in my documents, but did confirm the address was updated and the flag. I was extremely frustrated because I am in the middle of trying to purchase a home and fund my business and my ENTIRE life is on hold for my name correction that cant seem to be resolved. 

XX/XX/2023 I drafted another letter and sent it off, again with my proof of address, copy of SSC and a copy of my DL. 

Still Nothing showed up for my credit reports. Today XX/XX/2023, I called Equifax again for an update. The representative was VERY RUDE and disrespectful and not helpful at all. He treated me like i was the issue. My fiance and I were next to one another trying to explain the process and everything we have already done and he was beyond not a great help and provided terrible service. He stated their system still has not updated that part of things in his department, but he would mail a copy of my credit report and and scores to the house. I asked how long has the system been down, he rudely said I cant answer that question. I asked how are you able to access my score and credit report to mail it to me, but I am not able to access my scores and reports digitally anywhere for your company, but you can. He ask if I wanted the paper report or not. I asked if the 30 day response time applied to this process, he then stated did you do a dispute. I said YES! He stated we don't have anything. My question was, so what part of the system are you guys waiting to update. He became more rude and frustrated with us and stopped talking. Then said hello after any question I asked. He would not confirm the address the disputes were going to, and when I asked to speak with a supervisor he said why? I expressed that he was not being helpful and violating my rights as a consumer because I had the right to challenge incorrect information on my credit report. He eventually said we would have to hold for him to locate a manger, and of course no one ever came to the phone after waiting for an hour. All of this for simply wanting to correct my name. 

This is completely frustrating and a violation. They are not responding to my disputes nor are they being helpful to get it resolved. This is financially hurting me. I am attaching a copy of the last letter i sent as well as a copy of my DL, SSC, and proof of address. I am even attaching proof from XXXX XXXX that I did have a credit file with their company.

Company response to consumer: Closed with non-monetary relief