Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: MO
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:
Since I am trying to get to a point to buy a house, I monitor my credit very closely! On XX/XX/XXXX I got a notification from my credit monitoring site that my score had dropped over 100 points and the reason was because every open, closed, and good standing account that I had on my report, had been REMOVED! I called Equifax and was told to send information to verify my identity which I did. After about a week I called back and was told since I sent the information to verify my identity, they could set me up with a subscription for XXXX $ a month so I could pull up my credit report online and make sure the information I had received from my credit monitoring site was correct. So after they signed me up I was able to look and verify that all my accounts and credit history had been removed! The only thing that showed up was collection accounts. I then called Equifax back to let them know that I verified that the information I received was indeed correct and I needed to know why all my accounts were removed and my report now said that I didnt have enough information in my report to even have a score! I was then told to fax the same information again and this time write my issue on the cover letter. Since then I have contacted them several times and no one gives me any answers! Im aware that some companies dont report to all 3 credit bureaus, but the credit cards and car loans I have do and always have! Not to mention the fact that it wasnt just one account or card. It would be a huge coincidence that all my accounts that were open and in good standing and even closed accounts that were paid in full and was just part of my credit history all decided to remove the accounts at the same time and on the same day. I even called my open accounts to ask if they quit reporting and was told by all of them that they still report every month like they always have! I was told the only people who could get my credit history back was Equifax since they are the ones who somehow removed it all. This is very stressful and Im at my wits end! I have been working VERY hard to repair my credit and to literally have the last 7 years erased overnight is devastating to me and my credit score! I will attach pictures to show that on XX/XX/2019, I had a total of 9 accounts, and on XX/XX/2019, I had ZERO! I have done everything I can to get this resolved myself. I dont know if when my last name changed due to me getting married there was some type of glitch that erased my accounts or what, but I know that it is EQUIFAX who should at least help resolve it since they are the ones responsible! Even closed accounts that are paid in full remain on your report for 7 years, so I have no idea how they can even be removed! Please help me resolve this issue! Im trying to buy my children a better house to live in and Ill never be able to do so with my report showing I dont have any accounts or even a credit history at all!

Company response to consumer: Closed with explanation