Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
Starting in XXXX 2017 I have been trying to get a credit report and credit score from Equifax. I was first told that I do n't have any credit. I explained I do and that XXXX and XXXX have no problem receiving my information from XXXX XXXX XXXX and XXXX XXXX. I was asked to verify with XXXX and XXXX that they are reporting to Equifax and that the information is complete and accurate which I did. I called Equifax back and was asked to supply Identification documents to their fax. I sent the requested documents on XXXX XXXX 2017. In the meantime XXXX made a dispute to Equifax that came back as everything reporting correctly. I was told to wait a month to see if the added information would report. After a month I again called Equifax and was again told to verify with XXXX that everything was reporting and I started a new dispute, which again came back as reporting correctly. I again called Equifax and was told again to supply documents, stated I had already done so and was told they did not receive any documents ( even though in a previous call this was verified to have been received ) I asked to be escalated and was transferred to a lady that was able to verify my documents. She also said that my SSN was not on file and she had now corrected that. I was told that should be the end of it and I needed to wait another month to see if it would report. I waited 2 months and I could still not access a report nor get a credit score from Equifax. I called them again and was told that I need to talk to my creditor again, to make sure it is reporting correctly, and that I need to tell them to call their business hotline. I spoke to both investigators and analysts at XXXX all saying that everything is reporting correctly and that I need to dispute to Equifax. They also said that they had called Equifax while I was on hold and that they were told there is no " business hotline '' and I need to call Equifax in person. I again called Equifax and said that my credit is not showing up with them and I want to dispute. I was told that it is not on their side and that I again need to talk to my creditor ( XXXX ) and have them call their business hotline. I told her that the person I spoke to with XXXX had called the Equifax dispute department and asked if there is such a number and she was told that there is not. The representative insisted there is and proceeded to give me the number and said I could call them myself to verify. I called the provided number which went to their XXXX XXXX XXXX ( which is for existing customers ) not creditors and the automatic answering service specifically says that if you need help with your credit file we will not be able to assist you. There are multiple calls I placed to Equifax where I was just given the runaround and after 4 months of trying I have not been able to get Equifax to update my information in my credit file and they proceed to insist I have no credit reporting when this is clearly not the case. They refuse to provide me with a means to a solution even though I have jumped through all of the hoops put in front of me and also got the creditor to call them as well, in the thought that it surely must be resolved if I did. At this point there is nothing more that I can do and I do n't understand how such a company can be entrusted with something so important as people 's credit files, scores and reports. I need the Equifax report and score to be able to apply for future mortgage and car loan. The first thing they tell you to get rid of you is to send documents. Then there is the " something is wrong in your file with your creditor '' ( although all that 's needed to link up the reported info to my file is the SSN ). Another one was that you do n't have any credit ( even though I sent them a copy of my credit card ). After that they tell you that the creditor must be reporting something wrong and finally that the creditor must call their business hotline, that the creditor is told does not exist - and verifiably it does not. I have seen so many complaints of similar nature yet nothing is being done. This is truly scandalous! Today alone I have been dealing with this since XXXX XXXX non-stop. It is now XXXX XXXX. I am truly exhausted.

Company response to consumer: Closed with explanation