Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
To whom it may concern, I am writing to express my profound frustration regarding the mishandling of my credit file, which has been a source of severe hardship for me and my XXXX children. This letter serves as my third formal complaint, and I am prepared to take legal action for negligence if this matter is not resolved promptly.

For nearly two years, my credit report has incorrectly merged with another consumer 's file, leading to ongoing distress and complications in my financial life. I have contacted Equifax multiple times to rectify this issue, including significant efforts in XX/XX/XXXX and XX/XX/XXXX, where I provided extensive identification verification, including my drivers license, social security card, and verified bills. During both calls, I was assured that the inaccuracies would be addressed and that I would receive updated credit reports. However, no such reports have ever been sent to me. 

In XXXX and XX/XX/XXXX, I attempted to access my credit report through Annual Credit Report.com but was unable to do so, being instructed to contact Equifax instead. On XX/XX/XXXX, I verified my identity yet again and was informed that the erroneous information was still present. I disputed this issue during every call, yet I received no follow-up or updated report. 

Most recently, on XX/XX/XXXX, after yet another round of verification, I was told the necessary documentation was in the system, but I was still asked to provide additional proof of address to move forward. When I requested to speak to a supervisor, the call was unexpectedly disconnected. 

This ongoing negligence violates the Fair Credit Reporting Act ( FCRA ). Equifaxs failure to remove or correct inaccuracies has severely impacted my ability to obtain credit, causing financial strain for my family. On XX/XX/XXXX, I managed to dispute the name discrepancy ( Confirmation # XXXX ), yet the erroneous name still appears on my credit file. On XXXX first Confirmation # XXXX ) was completed and removed under OTHER NAMES ; However, the file name should be XXXX XXXX and the INCORRECT NAME OF : XXXX XXXX XXXX XXXX is INCORRECT AND NEED TO BE REMOVED IMMEDIATELY. 

After contacting Equifax again on XX/XX/XXXX, I submitted the same documentation for the sixth time for XXXX XXXX which was verified through a XXXX attachment sent directly to my email attached to credit file. I received confirmation ( Case # XXXX ) but was met with yet another email on XX/XX/XXXX stating that my investigation was complete and instructing me to submit the same verification procedures that was already completed to update my credit file to XXXX XXXX. 

It is unacceptable that Equifax continues to request repeated documentation while failing to update and remove the incorrect name and file. This negligence is not only frustrating but has also led me to consider legal action for damages related to the impact on my credit report.

Company response to consumer: Closed with explanation