Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
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:
I have been having ongoing issues with Equifax, for roughly 8 months. They continue to blow me off, not fixing the issue while acknowledging there is one. For MONTHS. It took me almost four months to get them to finally update my improved credit score ( I worked hard to move it from around 680 to mid-700s ). Every time I called, they said they were " having issues '' and if I would just wait another 30 days, it should update. In the meantime, I couldn't apply for any credit of any kind that used Equifax, because they were reporting incorrectly. There were many times they even had my account showing XXXX history! They were well aware they were in violation of the Fair Credit Reporting Act the entire time. Finally, my credit score appeared updated in the Equifax.com portal. It shows me a score of XXXX, which is consistent with the other reporting agencies. So, I went to apply for a XXXX business card, having a solid relationship with them and a significant amount of capital in my business account. I was denied. It seemed like much that they were showing on my report was outdated. I also applied for a loan on a rental property I am under contract for. Again, not thinking my score was wrong. My Fico score, when the lender pulled it, came back in the mid 700s for XXXX and XXXX. Equifax was XXXX, which is absolutely incorrect. Worse, the lender increased my PITI rate much higher than it should be. At this point, because of Equifax 's misrepresenting and incorrect publishing of my information, my personal finances and my business are experiencing a massive adverse reaction. Equifax KNOWS there is a problem, and for months and months, they have refused to fix it. They are in complete violation of the FCRA and they don't seem to care. I called myfico to find out why they reported a XXXX to my lender ; they said there was some issue with pulling Equifax. When I called Equifax, they seemed completely unconcerned with the continued problem THEY have caused me, and told me to " wait 24 hours for things to update. '' Which is the exact delaying tactic they've used for the last 8 months. They also complained that I had " too many names '' associated with my account, which is ironic considering I've tried more than once to dispute the many variations of my name that they have listed, and they haven't removed them! And this was also the first time they mentioned this as the excuse for why they can't seem to report my information correctly. They've had multiple other excuses each other time, and yet it never gets fixed. They are quite literally costing me money in the difference between what mortgage I SHOULD have, that I've earned with cleaning up my credit, and the mortgage I might be stuck with if they don't fix their mistake immediately, which I doubt they will, given their history. I am making this complaint, with severe prejudice, and I am consulting with a consumer law attorney, because at this point, their negligence is gross and they are deliberately ( because they are aware of the problem for months and haven't fixed it ) ruining my credit. 

I'm attaching screenshots from the online portal, where it was continually blocking my credit report and I had to keep calling to get my score ; as well as when they were reporting me having no history, when they blocked me from the portal so I couldn't even see my own information, etc.

Company response to consumer: Closed with explanation