Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For the past 3-4 months I have been denied credit from my credit union XXXX XXXX XXXX due to information on my Equifax report. As the representative and myself reviewed the information on my report, I found it to be inaccurate causing me to be denied without being extended credit. I notified Equifax Credit Bureau several times regarding this issue. I informed them that my XXXX account was missing off of my report and my XXXX account had no credit limit. With both of these creditors reporting inaccurately decreased my score about XXXX points. The XXXX card was appearing that it had a high credit utilization and my XXXX account which was never late was deleted from my account. After speaking with several representatives including a supervisor and later a representative from the upper management office, I was informed that my file is too large and no one would have access to receive a copy of my report for one year. He them explained that the file divided itself into XXXX files. I was later informed to have my credit union pull the report manually and call the business office to do so. I traveled back to XXXX XXXX to have them do as I was instructed to have XXXX XXXX pull My credit. XXXX XXXX XXXX XXXX then attempted to pull my credit and it was still inaccurate. XXXX them called Equifax again and was informed to wait and re- pull it which he did. During the end of month of XXXX the credit report was able to be accessed. I then attempted to try it again later and it was locked again not only to creditors but once again to myself and my monitoring agency ( XXXX ). As of today, my report still can not be viewed by creditors reflecting the accurate information because I was told on Monday XXXX XXXX, 2015 that it would be approximately a year before the issue would be solved and the file would be combined into XXXX file. I have medical issues and a daughter graduating from college and desperately need to get this issue resolved in order to be granted a loan. I am getting no results and/ or no clear understanding from Equifax XXXX this continue to occur and when it will be resolved.I need help with this company because they pretty much refuse to give me any information besides it will take a year to update my report to reflect accurate information. In following the instructions from Equifax, it has also caused several inquiries from the same company which is XXXX XXXX XXXX. I have at least XXXX inquiries from this company in about a month in a half period because Equifax was informing me that the issue was resolved and it was not. They also said that they ca n't do anything about the inquiries that was made from this company. I informed Equifax that credit was only pulled because you advised me that the issue was resolved. Furthermore, Equifax, on XXXX occasion spoke directly with the loan officer from XXXX informing him that he could pull the report again because the issue was resolved.I really need resolution because I am not getting anywhere with Equifax at this time- please help me. I have no problem with XXXX and XXXX.

Company response to consumer: Closed with explanation