Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since at least XXXX of XXXX Equifax has been reporting false/incorrect information on my credit report. While in the process of trying to buy a house my credit suddenly dropped and the cause was determined to be Equifax having another person 's information reporting on the credit report that they issue for my name and social security number. I was initially told to work through XXXX as they were the company that pulled my information. They informed me that I needed to work through Equifax, as they were the bureau with the incorrect information. I contacted Equifax through their customer support line in XXXX and followed the instructions that they gave me to clear this up. I mailed copies of my identification, proof of address, and social security number. I received a letter stating they were working on it. I called in after waiting about two months and they claimed I had never submitted any paperwork. I was advised by their customer service to fax the information to them, so I did. I placed numerous phone calls to attempt to find out progress on my account and, after having told me that they had my paperwork in hand, they again told me that I had never submitted any paperwork. Around this time my credit profile from Equifax completely disappeared and I was told I did not exist in their system. I had my credit limit on existing credit cards lowered, and was not able to move forward in purchasing a home. 

In XXXX of XXXX I was still disputing my credit, and I was not able to proceed with a home purchase. 

Sometime in XXXX my credit score from Equifax appeared again. While it was lower than my XXXX or XXXX scores, I thought that the situation was resolved. I attempted to purchase a vehicle and when my credit was pulled by the dealership I was informed that my name and information did not match. 

I created an Equifax account on the website XX/XX/XXXX. I disputed many incorrect things that they were reporting, including : My name, birthday, former addresses, and credit accounts. I submitted copies of my social security number, driver 's license, and passport. 

Equifax responded to only a portion of my dispute, correcting addresses and accounts, but not my name or birthday. 

XX/XX/XXXX I disputed my name and birthday again, this time in separate disputes to hopefully not have something missed by them again. I again submitted copies of my social security number, driver 's license, and passport. 

XX/XX/XXXX Equifax responded that they had corrected my birthday. 

XX/XX/XXXX Equifax responded that I needed to submit copies of my identification if I wanted to change my name. 

XX/XX/XXXX I disputed my name again, attaching copies of my social security number, driver 's license, and passport. I also attached a statement to explain the issue, and that I was not changing my name but disputing their reporting. 

XX/XX/XXXX Equifax sent me a response with no actions or findings, those areas were blank. They did, however, still address me with an incorrect name. 

XX/XX/XXXXXXXX  I pulled my credit report from Equifax to see what change may or may not have been made and my credit profile is completely blank again. I show no history, no personal information, etc. 

I have since been notified that my credit score has gone down from another bureau with this situation from Equifax being the only movement on my credit. They are actively hurting my ability to obtain/retain credit and preventing me from being able to purchase a home.

Company response to consumer: Closed with explanation