Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

My complaint has been with Equifax. I have been attempting to get information corrected on my file since the problems started back in XX/XX/XXXX. Information finally got resolved over a period of several months. I had a Chapter XXXX bankruptcy, which was filed in XX/XX/XXXX, which is valid, Case # XXXX which is valid. There are XXXX XXXX XXXX ) Chapter XXXX cases that are listed on my file as Wage Earner Plans that are not valid that I have asked to be removed and deleted and these are still presently showing. My full name is XXXX XXXX XXXX. My credit information has been mixed with someone with a similar name and as a result this other individual 's credit information has been reporting on my file. I have notified Equifax on many occasions on this dispute and the information keep appearing on my report. I have attempted to get this resolved with a different escalating area of Equifax called the Equifax Office of Consumer Affairs. I have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all based out of the contact centers located at XXXX XXXX XXXX, XXXX, XXXX GA, as well as the site that is located in XXXX XXXX XXXX, XXXX, GA. Supposedly these are individuals that handle escalated concerns. My report is constantly inaccurate, scores are inaccurate, and creditors are denying me credit as well as lowering my credit limits, and changing my interest rates due to the inaccuracies and incorrect reporting. I have given Equifax ample enough amount of time to get these disputes corrected. I have made several calls and faxed many faxes of documentation to them on numerous occasions. They are using the excuse that my file is too large and it is being split into XXXX files. When a creditor pulls my credit with Equifax, because of these multiple files the creditor is not getting accurate scores and reports. It is having very large impact on my financial capabilities as well as my financial growth. I have several duplicate hard inquiries on my report that are invalid due to this issue that Equifax refuses to remove. I have inquires on my report that do not belong to me and Equifax refuses to remove them. I have accounts that do not belong to me, Equifax refuses to remove them. My accounts that I do actually have, do not report correctly. They do not update monthly with current balances and payment history. I have several accounts that have not been reported history since they have been opened over a XXXX. I have disputed with creditor, but they say that they report monthly, but Equifax has done something to my file that it is not reporting accurately the dates and payment history and current balances on my accounts. They do not get all the issues addressed within XXXX days. Because as you can see my disputes date months on years back. XXXX XXXX and XXXX have corrected this issue, however, Equifax is not being cooperative in making a decision to resolve this problem of the multiple files. Again, When a creditor pulls my credit, which on many occasions now it is system generated, the inaccurate report goes to the creditor instead of an accurate report. I have made many disputes with Equifax, and still no resolution. I need this fixed and finalized and all my information on a single report with Equifax instead of being on multiple files. My scores with XXXX XXXX and XXXX vary between XXXX and these incorrect reportings with Equifax has me somewhere in the mid XXXX range with their agency. I have creditors denying me credit stating I have current delinquencies. I have not had a single delinquency since my bankruptcy filing date. I am very frustrated with Equifax. I am ready to pursue legal action against them for not getting this fixed properly because it is highly impacting me negatively. Any assistance would be appreciated. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX