Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: CA
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:
Starting XXXX I began working with XXXX XXXX with credit restoration. After some months I then began myself working on my credit restoration myself. I began sending letters to all 3 credit report agencies in XXXX of XXXX. After restoring my credit for a year and a half I was complete all these agencies.. Satisfied with my outcome I began to apply for beginner credit cards to build my credit up. After being denied and not understanding why I then contacted Equifax and questioned why were I being denied for a credit card when my score was XXXX I had no collections or accounts on my report. I was told I had two other files with Equifax and that explains why when my credit is being denied they could be pulling from one of those accounts. One account was my first and last name the other account was with my middle name included and the 3rd account, Im not sure exactly.. I was told to send in a copy of my ID and SSC and all 2 would be closed and I could continue with the account to build. Did that, after weeks contacted Equifax and as they said they did not rec. ID nor SSC,  which was certified. I then was advised to upload documents while agented waited online for upload he then contacted department to remove two files. On hold for a couple hours we finally came to tell me everything was ok and I can go to apply for card now. He then went to say to use only my first and last name and not my middle name so I will make sure I wont have any issues. I applied got denied again. I then went online and logged into my credit report. I noticed that the addresses, the names, the phone numbers and collections and accounts were back on my report. This was after 3 days of the files that were suppose to be closed. Im confused, calling in, speaking and debating with many representatives expressing how I went throw a credit repair for almost to years and now all these things are back on here. Well what happened was the gentleman that was suppose to close my account, merged the two accounts to my actual account where I had restored and disputed, paid and cleared up all the exact collections address and names. I explained that all this stuff on here was was I just got off, and now instead of him closing the files out he merged the accounts and caused harm.. It had took me soooo long to get to where I was finally at with my credit report,. I was at the point where I was finally starting to build and got thrown back.. I have called thousands of times, speaking with dispute, fraud, consumer affairs everybody, over a million of times. They wan na advise me to dispute all this over again. It took me almost 2 years. I just explain to them I can not do that. I have emails with disputes and removals from them, I have updated credit reports, stating items where removed. I have all documents. Some email confirmations that they sent me, they are unable to even pull the confirmations up..Why I dont not. Alot of the information they sent me, they do not even have in there files for me. Why I dont know. Today, I tried to pull up my credit report with XXXX   and XXXX XXXX and realized they have been notified as well and all items are not also on those reports. I would like to seek some assistance with this. Its really unfair. It has caused me major worry and stress. Im working on my life and credit to buy me and my daughter a home, which was my goal.

Company response to consumer: Closed with explanation