Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
Update ; XX/XX/XXXX I called Equifax XXXX XXXX department and left while on hold waiting after XXXX minutes to speak with a XXXX after the first rep, XXXX was completely unable to correct my problem. 
XXXX mins going through auto prompts for identification and then XXXX minutes trying to explain the issue to him after he XXXX times explained my problem as not being able to get onto my Equifax Account which I repeatedly explained is not the problem. I stated XXXX times the problem is Equifax is XXXX to look at my full credit history which, ironically, on XXXX of their dispute resolution claim documents refer to my history going back decades. 

Update ; XXXX XXXX Re ; Equifax continuing failure to consider my full credit history!!! 


To Staff, I see my issue with Equifax continues be unresolved. Equifax still does not consider my existing credit history after XXXX attempts to use their website with the only option to use their dispute process. It is ineffective for the problem at hand. 

It is worth noting Equifax is the only major reporting agency which has incorrectly listed XXXX addresses as my previous residences. This points to incompetence as does the primary issue ; not considering my full credit history which the XXXX other reporting agencies do acknowledge. 
I have been including and continue to include in my communications to Equifax ; attached a screenshot of my Experian account showing they are using XXXX  years and XXXX months. My credit history and my score with them is significantly higher. The same is true for TransUnion. 
I am also attaching a copy of Equifax dispute resolution that references my credit history going back XXXX years. 

I was hoping for a quick resolution to the primary issue of Equifax reporting a poor, needs work status on the length of my creditjust XXXX  months! ( Evidently quick is not going to happen. ) The fact is I have very good to excellent credit history going back decades. Your competitors have my scores reasonably right. 
Equifax misses on my credit score, my actual credit history and on my actual residences. 

I would like to say please review my account and make the corrections/updates. At this point, I am losing patience and I am considering taking steps to contact regulating authorities. 

Respectfully, XXXX XXXX. 


. 
Update XXXX XXXX To Staff, I see my dispute is closed and not surprisingly it has not been resolved. 
# XXXX My dispute is not with an address Equifax incorrectly listed as a former residence. 
# XXXX As you can see below, my dispute is the length of my credit history Equifax is using. THAT HAS NOT BE RESOLVED. 

Since there is no way to submit a dispute regarding my credit history category, I am going to submit dispute in every category to see which will work. 

I see in the Equifax Dispute Resolution Notice # XXXX there is a reference to a credit history dating back to XX/XX/XXXX. If you have access to this information, why is it not represented in my Equifax credit report? And there are XXXX other Account History of my various accounts from XXXX and XXXX. 

It also contains another incorrect previous address as my residence. I never lived there. 


I have tried calling the automated phone service is horrible and pathetic. 

I will be sending a letter to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Washington XXXX DC XXXX Respectfully, XXXX XXXX.. 
XXXX XXXX From ; XXXX XXXX XXXX XXXX, I am starting a dispute of the length of my credit history. I have attached a screenshot of my Experian account showing they are using XXXX years and XXXX months of my credit history and my score with them is significantly higher. 

Since there is no appropriate category on Equifax website I have chosen to dispute Former Address which is unrelated to my actual current dispute. And as an aside, I do own XXXX XXXXXXXX but have never resided there. There are other data of my resident addresses which other credit reporting agencies accurately have, going back decades which Equifax seems to lack. 

I am hoping for a quick resolution to the primary issue of Equifax reporting a poor, needs work status on the length of my creditjust XXXX  months! When in fact I have very good to excellent credit history going back decades. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation