Consumer complaint received 2020-08-29
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: Account information incorrect

Complaint:
Of the 3 major credit agencies, Equifax is the most incompetent in maintaining accurate information. I never had as much problems with XXXX XXXX and XXXX  as I do with Equifax when it comes to the accuracy of their reporting. It is pure sloppiness in how they handle the credit information of many. 
I requested my credit report in XXXX. Out of the 17 ( open and closed ) accounts shown on my reports, 10 accounts had inaccurate information. There was 1 account that wasn't mine. There were 2 accounts that were not included in my report and should have been included. When I disputed the information, most of the corrections were made, but one account was deleted instead of corrected. When I disputed that information it was added back, but with an inaccurate account number. 
Furthermore, on many occasions throughout the years, they have included in my report information that pertains to another woman that has the same name as mine ( excluding my middle initial ). I have had to repeatedly contact them to tell them to delete her information from my report. This tells me that without a doubt they have put my information on her report as well. Whats worst is that her credit is horrendous whereas mine is excellent.

In addition, I changed my email address several months ago and updated it at their website back then. But I have had to repeatedly call them to ask them to update my email address in their system because I kept getting email regarding my disputes at the old email address rather than the new email address. I have called at least 5 times since  XXXX to get this matter corrected. But to date they continue to send me emails regarding my disputes to the old email address instead of the new. Calling them has been exhausting because aside from having to hold on to speak to a live person for at least 15 minutes each time I call, I had to go through 5 minutes of questioning for verification purposes. That wouldnt bother me so much if they would have resolved my reason for calling. But when you have to call repeatedly for the same reason and have to go through the same questioning and holding on, it can be frustrating to say the least. 
Lastly, I requested my credit score in XXXX. I received a letter from them telling me that the credit score is unavailable. According to Equifax, I must contain at least one account showing updates and at least one inquiry in the last 24 months in order for them to arrive at a credit score. Yet their report of my credit history as of this today shows 18 accounts and 3 inquiries. So, how can they say they dont have enough information to arrive at a credit score? How absurd is that!

It's no wonder why there was a breach several years ago with Equifax. How they operate has left a horrible taste in my mouth. If it was possible for me to keep them from obtaining my information I would do it in a heartbeat. But unfortunately, I can't.

Company response to consumer: Closed with explanation