Consumer complaint received 2023-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have been contacting Equifax for the past 2-3 months. On XX/XX/XXXX, I called to advise that a credit card I am on is not reflecting on my Equifax credit report but was on the other two. I was advised to contact the XXXX, XXXX XXXX XXXX, to make sure they had me reporting correctly. They had all my information correct, with the exception of having my SSN on file ( which wasn't necessarily needed ). XXXX XXXX XXXX added my SSN, then advised to give it 30 days to see if it will help with reporting. I contacted Equifax on XX/XX/XXXX again and spoke with them three times as I was being directed to go back to XXXX XXXX XXXX, they advised all my information was correct. I contacted Equifax the same day to advise of the outcome with XXXX XXXX XXXX bank. I asked if I had anything blocking my account, and they stated I had a freeze on my report, I confirmed if this is something that keeps creditors from reporting, and I was told " no '', but just in case, I should remove it to see if it will correct the reporting, so I did. I asked them how long should take to update Equifax indicated a week. I contacted them again on XX/XX/XXXX, and XXXX nothing was resolved. On the XXXX, I contacted XXXX XXXX XXXX, according to them, they believed the credit card was falsely removed from my credit report by Equifax. I contacted Equifax, which resulted in me having to speak with a supervisor because the representative kept telling me the same thing " go back to Chase to correct it '' I informed the supervisor, that I was a small business owner and how this is causing an issue with me and my business. He told me to have XXXX XXXX XXXX call them or send a letter indicating that I am authorized on the credit card in question. The supervisor told me he saw where it was removed in XX/XX/XXXX, which was correct, then it was added back to my credit report and removed again. There was never a second request to remove me from the credit card by the account holder ( my spouse ). I believe he stated it was in XXXX or XXXX. The supervisor advised me to have XXXX send a letter to the email they gave ( XXXX ), which turned out to be a bad email. Equifax keeps telling me the same thing over and over, contact XXXX XXXX XXXX. I am out of options here. I called today, XX/XX/XXXX, because I noticed that my letter with my credit report ( dated XX/XX/XXXX ) has my maiden name and not my married name on it. I assumed this error could be an issue, but they indicated their systems were down. I am at a loss for words. 

I am a small business owner. This credit bureau is literally keeping me from getting the line of credit I need, and I have two projects starting XX/XX/XXXX and one in XXXX of this year. I went to my bank to let them know the situation since they have been aware of it for the past couple of months, but I am being told that my credit score is the most important of anything they need to offer me a line of credit. Equifax has one card I'm authorized on, and reflects on the report but not this one. I am very frustrated with this situation.