Consumer complaint received 2020-10-23
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: Information is missing that should be on the report

Complaint:
EquiFax is damaging my Credit Score and Credit Report. They are deliberately trying to make my file not accessible, which I will explain and provide proof of their actions. Secondly, they have wiped every and any information on my credit report ( my name, social, DOB, accounts, credit age, payment history ). And lastly, they have stopped reporting my credit score and credit report since XX/XX/2020. Todays date is XX/XX/2020.

Not accessible : I first noticed I was not able to get my report from  XXXX. It would give me an error, but XXXX   and XXXX would work fine. I contacted EquiFax about the issue, but " they were not able to verify me. '' After giving me the run around and using every stall tactic for 3 months, they finally sent me a paper copy of my report. On the final page of the report, they have a " Research Request Form '' that has my personal information pre-filled out. I noticed my " current address '' was incorrect. I used the incorrect  address to log into XXXX and got access to my file. I also used the same information and was able to create an account at myequifax.com. Upon logging into myequifax.com I noticed they never had my current address on file that I have lived at for over 10 years. Also all my credit report information was inaccurate, outdated, incomplete. I started with correcting my address, as that was the biggest issue to accessing my account. I attached 6 different types of verifications of my current address in an online dispute. I waited the required time, was constantly trying to log into XXXX with current address and nothing had been changed. I contacted them by phone on numerous occasions, spoke to 4 different agents, either they were not able to " verify '' me or they would make an excuse " their system is down ''. Finally what seamed to be a gentleman that was helpful, he did the unthinkable. He dragged the phone call for 1 1/2 hours, pretending that he is fixing it, and supervisor is involved, and all kinds of " work '' he was doing. We end the call, and he said its all fixed. Now it was worse, I was not able to log into annualcreditreport with my old address, nor my new address. I called and was able to ask them to send me a paper copy again. On that last " research request form '' I couldn't believe what he had put for my address, when I had sent 6 documents with my correct address, AND they are mailing me my report to my correct address, but my credit file as an address that I don't even know how the computer would allow him to input. My  correct address should read XXXX XXXX XXXX. XXXX XXXX, he put my address as XXXX XXXX  XXXX XXXX XXXX!!!!!! I was furious, because there is no way that could be a mistake. Here is the best part, I try to log into XXXX with this messed up address, and it works. Again, I dispute it, finally get my address corrected, but now, everything is wiped from my credit report.

And the report has stopped updating since XX/XX/2020. There is no credit accounts, no name, no social, no DOB, nothing! I can no log into XXXX again. I am only able to see this information on myequifax.com. Credit utilization is 0, open accounts 0, I will be attaching all screenshots of my account. Also when I log into XXXX, same thing, score is from XX/XX/2020, no accounts, no payment history, nothing!

I have contacted them, and they keep telling me the same automated response that on their end everything looks fine, and they can send me a paper copy if I like. As of today, my score still remains innacurate, out of date, my report is innacurate, and not updated, my credit file shows 0 accounts, when I have 5 open accounts. This is damaging my credit score tremendously, and I am planning on purchasing my first home soon. I need this fixed and corrected.

Company response to consumer: Closed with explanation