Consumer complaint received 2024-03-08 00:00:00
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.
State: FL

Complaint narrative:
I have filed previous complaints about not being able to access my Equifax credit report online since XX/XX/XXXX. Equifax responded that they are aware of the issue, but have not fixed it as of today. 

I filed disputes online that I can not see or address as a result of the issue with Equifax 's internal online account issues. I have not been able to monitor and/or repair my credit report during this time. This has resulted in credit denials and higher interest rates for an auto loan. 

I've requested a report in the mail, but never received it. I can not reach anyone in a timely manner on the phone. The only way I can see my report is to pay for XXXX XXXX, which I pay for. I refuse to incur any additional delays and/or costs associated with monitoring and repairing my Equifax report XXXX I will NOT pay for postage and deal with months long delays via the mail. 

I've attached my XXXX XXXX report for all 3 credit bureaus, which indicates the following : XXXX XXXX  - XXXX - I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT XXXX XXXX information on my credit report is not Metro 2 compliant *Equifax shows incorrect balance amounts *Equifax shows date last active as XX/XX/XXXX, but XXXX shows XX/XX/XXXX *Equifax shows date of last payment as XX/XX/XXXX, but XXXX shows XX/XX/XXXX *Equifax payment history is different than payment history on XXXX report NONE OF THIS MAKES SENSE - I'VE DISPUTED THIS SPECIFIC INFORMATION SEVERAL TIMES AND EQUIFAX CONTINUES TO RESPOND THAT THE INFORMATION HAS BEEN VERIFIED. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EQUIFAX REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EQUIFAX IS REPORTING IS ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EQUIFAX OTHERWISE MULTIPLE TIMES. 

XXXX. XXXX - XXXX I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT *not Metro 2 compliant *Equifax shows date last active as XX/XX/XXXX, but XXXX  shows XX/XX/XXXX *Equifax shows date of last payment as XX/XX/XXXX, but XXXX shows XX/XX/XXXX AGIAN, NONE OF THIS MAKES SENSE. I'VE DISPUTED THIS SPECIFIC INFORMATION MULTIPLE TIMES AND EQUIFAX CONTINES TO RESPOND THAT THE INFORMATION IS VERIFIED AND ACCURATE. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EQUIFAX REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EQUIFAX IS REPORTING IS ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EQUIFAX OTHERWISE MULTIPLE TIMES. 

XXXX. XXXX XXXX - XXXX XXXXthis is not an auto loan- please verify the type of loan, and number of months 4. XXXX  - XXXX *does not appear to be Metro 2 compliant - please delete if it is not Metro 2 compliant 5. XXXX XXXX - XXXX XXXXi am not disputing this- please remove the inaccurate comment that states I dispute this account XXXX. XXXX XXXX - XXXX XXXXi am not disputing this- please remove the inaccurate comment that states I dispute this account SEND MY UPDATED REPORT TO MY HOME ADDRESS ON FILE WITH EQUIFAX. 

DO NOT SEND ME A DELAY LETTER ASKING FOR MY ID AND SS CARD. I HAVE ATTACHED TO THIS COMPLAINT MY CREDIT REPORT, DRIVERS LICENSE, SS CARD AND INTERNET BILL SO YOU CAN VERIFY MY IDENTITY.

Company response to consumer: Closed with non-monetary relief