Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since XXXX, all three major agencies reported inaccurate information. 

My credit was issued to XXXX XXXX XXXX XXXX, for a XXXX XXXX dollar house which was only sold for XXXX XXXX dollars and was never cleared. 

After 10 years of trying to correct their inaccurate accounts, especially XXXX XXXX XXXX reporting, which now is a ten year old account that state XXXX XXXX was a co signer, on a XXXX XXXX loan, another false fact and still appears after 9 years, only 7 years is kept, unless the law has changed. 

A private investigator told me they refused to issue me a new s.security number, and failed to correct their info. 

I began paying cash only, closed my three credit cards w/ only XXXX dollar credit limits, in XXXX, because they refused to clear the false records, I have had to pay maximum loan interest since XXXX. 

Check my records since XXXX, I built perfect credit for myself, XXXX and XXXX XXXX appeared w/ 20 plus credit cards and a XXXX XXXX house purchase, please check to see if their XXXX XXXX home in XXXX  la, was reported by XXXX XXXX XXXX , and who has continually put their names on my health and car insurance policies also. Their misinformation only caused a legal battle which may ensue if this matter is not cleared and correct within 90 days. 

Possibly a CLASS ACTION LAWSUIT IS NEEDED TO CORRECT THESE ILLEGALLY PRACTICES. 

Recent problem, I applied for a XXXX XXXX auto loan, with XXXX XXXX, just to check up on these agencies, and their illegal practices with my reports. 

They denied my loan based on Equifax reporting NO CREDIT SCORE, Their bureau electronically refuses to give me a credit score, and a inside score, Also refuses to mail me the report as stated by the laws on the credit denial sheet. After 10 years of requesting personally. 

The bank told me twice I was denied because Equifax refused to issue a score, but by company policy they can not write that on a piece of paper. 

ILLEGAL banking and credit bureau laws. 

They sent me a fake denial letter STATING, '' revolving loan '', " Credit bureau information not the reason for refusal '' This is cover up by federal agencies breaking laws and falsely reporting information. 

After 25 years, Three Credit Bureaus have been allowed to ruin my credit ability to survive and Under the 14th Amendment the RIGHT to pursue ... 

Please send me my inside score, credit score and report, with correct information. 
All without having to pay a cent to a bureau who has illegally kept my credit captive for a quarter of a century, documentation proves this has occurred, was never cleared as of XXXX, and accounts still falsely appear beyond the seven year limitation, and no report has been granted, I recently received one from experian, that is how I know XXXX XXXX and other false records still appear. 

Who is responsible for falsely reporting XXXX XXXX AND XXXX XXXX credit information on my SSecurity number after XXXX???

Company response to consumer: Closed with explanation