Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

Someone tried to apply for a credit card using my information. When I checked XXXX XXXX, I noticed it and filed with Equifax. 
I explained to them over 12 times that I never signed up for a credit card using some credit card services website, after 10 investigations, they still wont correct the information. 

They said they would investigate. That was over 180 days ago. Its still on there, they claim I applied for that credit card. 

I called their XXXX and talked to some guy and told him what the problem was and that I would like the incorrect information removed. And he said start and investigation. 

In the mean time, Equifax had what they called a glitch in their system which affected several hundred thousand peoples credit files. 
Prior to this glitch, my credit score was an XXXX. Now, since the glitch and their false investigations, my credit score dropped down to a XXXX. 

Their glitch removed most of my credit file. They are using outdated information to tell me the information is correct, when it isnt. 
Both Experian and Transunion have the correct information and are correctly reporting it. 

Both XXXX Visa card and XXXX have been reporting to Equifax for over two years that I have two open and good standing accounts XXXX which they were correctly reporting prior to the glitch ). Both XXXX and XXXX continue to send updates and positive feedback to Equifax letting them know I have two good accounts and that they should be reported on my credit report. 

Equifax says that both XXXX and XXXX are not reporting. Which is a huge false inaccurate statement. Every two weeks, both XXXX and XXXX are sending information to Equifax and Equifax says that they are not getting any information. Both XXXX and XXXX have sent letters, updates, phone calls to Equifax explaining that they are in error and that the correct information is in fact being reported. 

I have done no less than 10 investigations on this problem, and at every turn, Equifax is using wrong information, denies being sent correct information, and says their investigation does not show anything from XXXX or XXXX. 

I have tried for over 3 months to get this matter resolved. I have talked to supervisors and their supervisors. I have explained it in detail. Detail after detail. Each time I get them telling me that they will look into it and correct the wrong information and add the correct information. 
Each time, they do not do what they said they are going to do. They keep using outdated and false information, will not remove outdated and incorrect information, including where someone used my credit to apply for a credit card off some website. 

I have tried to I cant try any longer to get anywhere with Equifax. Each time they will not correct anything on my credit file. They dropped my credit score by over 100 points for false inaccurate information. Again, both XXXX  and XXXX have the correct information and reporting the correct information, and my credit score with them is over XXXX. I need help getting this matter resolved before they start doing more damage to my credit file and my prevent me from getting credit and loans.