Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm a XXXX person and i'm tired of calling XXXX, Equifax, and XXXX talking to the XXXX they call representatives. They also refused to change my address in which i was told it was Equifax and XXXX. Due to my health i don't need any calls from either credit bureau i just need them to fix the issues and remove the items but they can send me emails and letters to verify these items were removed with an updated credit report. These credit bureaus keep things on your credit and when you call in you have to deal with their rude employees. Because of my health i refuse to call them anymore. These items these 3 credit bureaus have affected my credit scores and i've been denied credit several times and still being looked at as " high risk '' because of items that are still on all 3 of my credit reports from when i filed Chapter XXXX Bankruptcy in  XX/XX/XXXX which i was informed should've been removed when i filed and once it was Discharged and mine was in XX/XX/XXXX. It's not right that they see i filed yet i've disputed the items and neither credit bureau will remove the items you included in your Bankruptcy yet none of the other companies are on there i included in my Chapter XXXX   Bankruptcy. The questions the credit bureaus ask to get your free credit report are meant to be wrong even when you know you answer them correct and when you respond that a question doesn't apply to you they claim it's wrong. 

Since XX/XX/XXXX XXXX along with Equifax and XXXX who i'll also will be filing a complaint against but they all have refused to send me my free copy of my credit report. XXXX, Equifax, and XXXX have also refused to remove 7 items off my credit reports that were included in my Bankruptcy when i filed in XX/XX/XXXX. I've called them several times and clearly their representatives lie to get you off the phone. Around XX/XX/XXXX an Equifax representative told me my credit report was sent out yet as of Tuesday XX/XX/XXXX i still haven't received my credit report and i refuse to call them again waiting on hold the way i did. In XX/XX/XXXX i tried to get my XXXX credit report and they have been refusing to send my yearly free credit report for the last 2 years. On XXXX i once again called XXXX only to get another one of their broken English XXXX representatives. She was rude, she refused to give me her name, she rudely asked me " then what did you call here for ''. This representative told me she would remove the 7 items yet she intentionally laid the phone down muted the phone and had me on the line so long i got sick and had to hang up. Due to a serious neck issue and multiple XXXX i'm not able to hold the phone to my ear long. I'm also since filing Bankruptcy getting more and more scam calls and things in the mail from companies i've never applied for like personal loans and auto loans. 


According to my resources these items should've been removed when my Bankruptcy was Discharged in XX/XX/XXXX yet XXXX along with Equifax and XXXX refuse to remove them even though i've disputed them. 

These are the 7 items i've disputed that XXXX refuse to remove from my credit report ... ... 
1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.Discover XXXX 6.XXXX  XXXX 7XXXX XXXX These are the 7 items Equifax refuse to remove from my credit report ... ... 
1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXXXXXX XXXX   6XXXX XXXX 7.XXXX XXXX These are the 7 items that XXXX have also refused to remove from my credit report 1XXXX XXXX 2XXXX XXXXXXXX XXXX  3.XXXX XXXX XXXX 4XXXX XXXX 5.TXXXX XXXX   6.XXXX XXXX 7.XXXX  XXXX

Company response to consumer: Closed with explanation