Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

THIS IS NOT A DUPLICATE REPORT IT IS REGARDING ADDING MISSING ITEMS AND HAS SUPPORTING DOCUMENTS To Whom it may Concern, Equifax continues to not report two positive accounts on my credit history despite attempts to get them to do so for over a year. Both accounts are in good standing and have never been late and were always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
Both vendors have sent the items to all 3 credit bureaus each month. Both XXXX and XXXX XXXX are and continue to report both items. 
Both vendors have contacted Equifax multiple times with no results. They have reported the items each month, and have inquired with Equifax to see why they are not being reported. 
I have also PERSONALLY opened multiple disputes asking why they are not on the report and asked them to add the items. Instead, I get a response saying that they are not being reported, when in fact they are. 
I contacted BOTH vendors last night and they are going to ONCE AGAIN contact Equifax to try to get the items added to my report. Both sent me their most recent statements which I will attach. 
The first, XXXX XXXX, sent me the last statement I had made a payment on in XX/XX/2023. There is a second card that the agency is reporting on, but the account ending on XXXX has never been added t the report. 
The second, a personal loan from XXXX, has also never been added to the report. I actually paid the loan off last month ahead of time, and am attaching the payoff letter with account information on it. 
XXXX Equifax continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the items in question, a XXXX XXXX and XXXX account, that are not mine. They were provided a Law Enforcement ( XXXX ) report, as well as FTC, CFPB, XXXX and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally XXXX still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask both these accounts be added immediately to the report. 
The agency has all the information it needs to identify them and contact the vendors to make sure this happens. 
I would also ask the other accounts, and fraudulent inquiries from XXXX and XXXX XXXX XXXX be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent accounts. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXXXXXX XXXX is attached XXXX Payoff Letter attached XXXX XXXXXXXX Account ending in XXXX attached