Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: VA
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:
I'm an XXXX XXXX XXXX XXXX XXXX XXXX  living in WDC since XX/XX/XXXXand I opened an account at XXXX XXXX XXXX XXXX ( XXXX ). Since then I have had 5 loans, 2 of them already paid off and closed. XXXX  reports only to Equifax.

In XX/XX/XXXX I tried to get a XXXX  Credit card but my request was denied due to " insufficient credit history ''. In XX/XX/XXXX I tried to apply a mortgage with XXXX XXXX XXXX XXXX XXXX   and the response was the same : " we can not even start the process due to you don't have a credit history the y said '' ; without counting at least 3 times I have applied to a XXXX XXXX  credit card and the answer had been the same.

After I got a the last XXXX XXXX letter with the explanation of the denial, on XX/XX/XXXX I got a 3-Bureau Credit Report & Scores through XXXX ( after a XXXX   USD payment ) since I could not even get it with Equifax ; and a nightmare started On XX/XX/XXXX I called to Equifax Customer Care, they said that my information couldn't be verified and requested me to send by email some information they asked : copy of SSN, bill, copy of passport ).

On XX/XX/XXXX, Equifax Customer Care asked me to call XXXX XXXX XXXX XXXX.  They said that the only way to send the information is through fax o regular mail. I faxed them what was requested : Copy of SCN, driver license, a recent bill and also I sent a 3 Bureau Credir report ( to show them the problem ).

On XX/XX/XXXX, I called again. They got the papers. But now they said that they could not update my credit file and it was not being shown because I have a Social Security card VALID FOR WORK ONLY, that person just didn't give me any option.So, after I hanged up I called again, now I explained that I'm a XXXX XXXX XXXX and that person requested me a XXXX Form ( note that my earnings are not subject to US Federal and State income tax ).

When I realized that it was impossible to get a XXXX   form I called again and they ask me now to send them by fax a copy of my passport, visa and updated driver license, and I did so on XX/XX/XXXX.

After a week ( XX/XX/XXXX ) I called again, a kind Lady review it, and said that my information was updated and the problem solved. I congratulated her and her Supervisor. I couldn't believe it.

It wasn't solved. Immediately I tried to get a free Equifax annual credit report and I couldn't get it, so I paid again XXXX USD to XXXX for a 3-Bureau Credit Report & Scores with, and the result was that my information with Equifax was still missing.

So, after 30 minutes from the last call, I called them again, a new person, without information from the previous call, I asked to call with a supervisor. The Supervisor said that they can not update my information since I have a social security valid for work only. I hunged up and called again, as always I talked with a different person, she said the the problem was that XXXX wasn't reporting my loans.

XXXX is reporting it and they have demonstrated it.

I have tested the incompoetence of Equifax in solving this issue. I had talked with at least 10 different people, no one has a tracking history of the calls, the requests. I verified that most of them have different criteria. During every call I have spent between 30 to 60 minutes.

The result of this incompetence is that Equifax is affecting me economically in several ways.

Living in USA there must be thousands of XXXX XXXX XXXX with a Social Security Card valid for work only.

All of them have the same problem? A : Absolutely no. Only at XXXX there are more then 300 people, no one has this issue.

Is there any restriction for a XXXX XXXX XXXX to get a credit in the USA? A : No Is there any legal restriction to update the information due to a  Social security card valid for work only? A : I haven't find anything.

I kindly ask your support.

Company response to consumer: Closed with explanation