Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
- We purchased a new home in XX/XX/2019 and moved to a new address. 
- in XX/XX/2019 I applied for my third and final student loan for XXXX XXXX ( two previous loans approved. I have high 800 fico score -  Student loan declined not for credit, but due to Equifax not finding my credit file -On XX/XX/2019 I was instructed to call Equifax which I did and they informed me that they could not find a file under my name with that social security number or address.They requested me to fax a  letter with a copy of my social security card, drivers license, utility bill, -On XX/XX/2019 I faxed all of the above items as well as my old drivers license from my previous address and my new driver 's license from my new address and even sent them a copy of my grant deed on my new home - On XX/XX/2019 Equifax sent me a letter informing me that the fax we sent was illegible and they sent me a list of new items to send them. 
_On XX/XX/2019 I made color copies of all of the requested items including a copy of my W2 from work. I also include a copy of a Factual Data report that was run by our home loan lender. This report shows my name however the last four of my social security is incorrect. I pointed this out to them in another detailed letter along with several pieces of documentation per their form letter. I sent this letter via USPS priority mail as I am in need of my third student loan to complete my XXXX XXXX degree. 
-On XX/XX/2019 I received another form letter from equifax identical to their XX/XX/2019 letter. 
On XX/XX/2019 I ran my own credit report for the 3 major bureaus. I received two of the three reports with my correct personal information except for Equifax that would not provide me a report with the online information I provided. 

I am a XXXX XXXX  in an XXXX XXXX XXXX as well as going to XXXX XXXX. 
I am not a credit seeker and both my husband and me have outstanding credit. 

We sent the items as requested by Equifax. We sent more items than they required as well as their own report that shows they have my wrong social security number. 
It is unfathomable that this so-called Credit reporting agency can  provide accurate reports for me for over 10 years and now all of a sudden they can not find my file, creating a significant problem for me obtaining my student loan. No because of poor credit but due only to their inability to correct my credit report. 

-It is noteworthy that all the other credit bureaus list my name as XXXX XXXX XXXX except for Equifax that lists me as XXXX XXXX . 
Also noteworthy is that the last 4 digits of social security number Equifax is using is " XXXX '' WHICH IS NOT MY SOCIAL SECURITY NUMBER! 

Please help me as I need to register for my next semester and can not due to an Equifax error. This is now compounded due to their terrible customer service and form letters. 
Again please help me. I hope that someone is not in the process of stealing my identity!

Company response to consumer: Closed with non-monetary relief