Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am currently applying for an XXXX  XXXX  called XXXX XXXX XXXX and it is imperative that I move in right away. I will out my information and application which they charge me {$400.00}. Then within a day, they withdraw the application, the leasing agent stated that " she had a mistake that I have a XXXX agent emailed me after I paid and my portal was set up for first month rent and deposit. Within a 30 minutes, I emailed her " I tried to pay my move in fee as I signed the lease when I used the link it says sign. Is there a portal? '' needed to pay the fee associated such as move in fee and first month rent as the deadline was coming up. She replied, " XXXX XXXX! I overlooked something important on your results for the application. It looks like you were denied due to a thin file for your credit history. Do you have someone who can sign on as a guarantor ''. On XXXX I have a perfect credit ( close of XXXX ) ; and XXXX above XXXX. I dont need a guarntor as I sent both reports. I would qualify with my income of {$300000.00}, which is much higher than their rent of {$2100.00}, so I make more than {$6300.00} so i qualify. 

I told her with both XXXX and XXXX " I looked up the term thin file no credit or limited credit, which is untrue ''. Here is what is says. I can have a guarantor but I dont think I need one as my XXXX report that I have five open accounts. Please review this document as Im a little confused. I have a XXXX credit score. Her sales manger said " XXXX XXXX, There is not a way for us to overturn the screening result. If you do not want to get a guarantor, then you will need to have the screening updated on XXXX 's end. Their phone number for more information is XXXX. I've also re-emailed the denial letter for your review.I have emailed and called them many times and I cant get a proper response. 

I asked " Is there a website for leasing end or realpage as they used equifax not XXXX which show all my rental history. And this information on the letter is not true. I sent over my XXXX page history of XXXX and XXXX XXXX page history including rental property history. I cant reach anyone when I use the right option on that number.I would be constantly caught in directly loophole with his company and its parent company Realpage. I was told my this company " TPlease contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX to speak to one of our representatives, which I attempted to at various times 30 minute wait and one representative did not have any details. The leasing agent when I could not reach them said " Have you called XXXX? That is our screening company, they can give you more information or update your application. We can not update your application status on our end. Despite reviewing both reports. Its a little stupid. I know that Equifax is causing this chaos as the XXXX uses Equifax. I mention their agent " What option do I press as it keeps going through the directory. How can I talk to a live person? '' You did not know anything when after an hour reached someone. 

After review both reports XXXX leasing agent " XXXX XXXX XXXX! I am looking into this on my end. Is there any chance you have a freeze on your credit? Which I did not '' She was aware of " thin file '' which she got from Equifax which NH code ( no history or limited history ). Equifax has never updated or deleted my credit history. I tried to login with prior reset the error. I was continue told call XXXX and XXXX NH. 

I am tried to call several times with more directory delays ; when I discussed with Equifax, they said that my account show no credit history or rental history, which total opposite of other credit agencies. This is bottle neck because they dont have my information. I continually get this error when I enter my old information or register with different email hey said an accoount all already. I cant reset any passwords. Also I used on the unlock feature no luck as account cant be found.. I tried my old address and recent address, both which are on XXXX. When I type in my information they say the account does not exist, when I try to register I get the XXXX XXXXXXXX. There negligence and inaccurate credit reporting is strongly impact my chance of get approval alone, who I said I have my mom being guarantor with leasing, no response. 

I have tried to contact Equifax a representative told me that I dont have any credit history that is why im likely getting rejected. I dont see get my current report and I have no current history. 

When I look at my the credit XXXX  means. Equifax stated : You do not have a credit history or do not have enough credit information to be scored, indicating that you are new to the credit system. There system is totally inaccurate. I am very upset with Equifax as I cant get my credit report right away, as when I called they kept transfer me. I use XXXX for Equifax and it will arrive in XXXX with all inaccurate information. As they overtly say I have no history. I have been renting for the past 5 years, then since XXXX. I just recently left XXXX rented on XX/XX/XXXX - XX/XX/XXXX which you see in my report. No collection reports. Pay my mom rent since then and and sister prior to that from XXXX. I lived with my mom till moving to XXXX for work and better environment. Lots of people had similar with Equifax and I am really frustrated with the company. They have no accurate information, from what I heard, which is why they got into trouble in past. I have copies of XXXX and XXXX. 

When I filed a dispute with Equifax I had to provide them my addresses, social, almost everything from scratch though I have used them before. So they locked me out of my account, but says no account exists, yet I have used all three in the past. Are they not suppose to track my credit history and have ongoing update if they did why would it say no history or no credit history, hence XXXX. I am having a lot of frustration with this company who is affecting other company and every keep passing the buck. XXXX screen on uses Equifax based on their website. Which is what they want me to have a guarantor. Which I totally agree give the reports I will upload. This experience is a nightmare as I work XXXX hours a doctor and never reach anyone or people I reach as clueless. 

XXXX ) Complaints on these companies XXXX XXXX XXXX - poor communication, retracting move in date, pushing off responsibility to XXXX. Stating they cant process both XXXX and XXXX. No awareness. Just looked and NH and changed their mind. They would not update it with other company XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Limited ability to talk to someone ; would not respond to any of my email ; would not provide an explaination ; I even did this step : If you have recently been denied housing or have had any other adverse action taken against you based upon information provided by XXXX, and you would like a copy of your report, please complete and submit this Request for Disclosure of Consumer File or submit a request as follows : No response and its been XXXX days. I faxed to this number Fax to : XXXX I faxed all the documents they needed. 

I filed out this form no response : If you believe that any of the information contained in your consumer file or your consumer report generated in connection with a housing application is inaccurate or incomplete, you may request a re investigation of such information. To do so, please complete and submit the Consumer Dispute Form. 

Here is why I know where they get their credit report : XXXX XXXX We do not maintain or control any credit data that may appear on your consumer report. We obtain that data from the national credit bureaus ( Equifax or XXXX ). But they pulled it from Equifax, because my XXXX is really good. How did they pull my Equifax when it says " acount does not exist with my social security '' They is why im concered about this agency. But does XXXX  when you finally after the XXXX attempts says give agent XXXX  ( no history ) to XXXXEquifax who are very hard to reach, which is why I emailed them. I created a documented after in the fax I sent, but the delays with Equifax can be months. I need this expediete right away. 

Equifax- Inaccurate Credit Report, poor communication, No account access, no able to obtain credit report. Their dispute report had me type in all my information and I sent all required documents 5 days ago no response. Historical they have the worse credit accuracy. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation