Consumer complaint received 2018-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The original problem started in XX/XX/XXXX when I called Equifax to inform about the legal name change and provided them with all the supporting documentation. It took them 3 months to update this information. When it was finally done I noticed that information displayed on my credit report was 3 months old ( credit balances shown were from XX/XX/XXXX when I originally called them ). When I called them again they said they will look into the problem. Called them again in XX/XX/XXXX and XX/XX/XXXX with the same issue - was told that they are still looking into the problem. When nothing was done until XX/XX/XXXX I decided to open the first complaint. 
I specifically asked to update my credit information and merge my old credit file ( under the old name ) and the new credit file. As the result of their investigation, half of my accounts were gone from my credit report. These were old accounts, currently inactive or closed that were still under the old name ( I didn't update my name with them since I haven't used them for years nor do I plan to do that in the future ). As a result my credit score dropped from XXXX to XXXX. 
Called Equifax again, explained the situation again, open another complaint - some accounts appeared back on my report, some disappeared. Called again - another complaint, another investigation - some accounts appeared, some disappeared. 
As of XX/XX/XXXX I finally received the report displaying my current active accounts, old accounts are still not their my credit score XXXX. Received a letter from Equifax that as a result of their investigation they found out that my name was changed ( something I initially called them about 10 months ago ) - they got my current name correct, but the old name the " found out '' was incorrect! This is after 5 complains and investigations and reinvestigations done by Equifax, all the documents sent to them displaying my old name and the new name, a copy of my old credit report that was correct and the current report that is incorrect with all the highlighted differences, a copy of current XXXX   credit report that shows all account ( everything is correct there, nothing was deleted and everything is being updated ) ... 
Called Equifax again on XX/XX/XXXX - opened another complaint. Was told that the creditors specifically asked to delete those accounts that they are not displaying - how is that possible if they are part of my credit history??? They told me that I need to contact all the creditors and ask them to report all the accounts because supposedly they are not reporting them - I did all that a couple of weeks ago when Equifax told me to do that and every creditor told me that they ARE reporting my accounts and nobody asked them to delete anything. Again I asked them to MERGE MY OLD CREDIT FILE AND THE NEW CREDIT FILE. 
Today I receive a notification that about the change on my credit reports. I was hoping that my credit report was finally fixed. I do to XXXX  XXXX to check the new reports and I see that my Equifax credit score dropped from XXXX a few days ago to XXXX and I have a hard inquiry from Equifax mortgage!!! Nothing else was changed. My old accounts are still not displayed. 
THIS IS ABSOLUTELY UNACCEPTABLE!!!!!!! They completely messed up my perfect credit history to the point that I have a fair score now. And I NEVER applied for a mortgage from Equifax ( and I never will knowing their worst in the world customer service )!!!! 
I NEED MY CREDIT REPORT TO BE FIXED ASAP!!!!!!! PLEASE DELETE THE HARD INQUIRY BY EQUIFAX MORTGAGE! MERGE MY OLD CREDIT REPORT ( OLD NAME ) AND THE NEW CREDIT REPORT AND RETURN ALL MY ACCOUNT TO MY REPORT!

Company response to consumer: Closed with explanation