Consumer complaint received 2024-08-15 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:
This is not even really related to my issue, but its the closest i could find. My problem started when i changed my name in XXXX, and i only found out 4 years later, but at that time i suddenly became XXXX people with XXXX different credit histories. My score before XXXX was in the XXXX, and i never lived a day with bad credit as an adult. 

However, once i needed to purchase a new car when mine died in XXXX i was denied an auto loan for the first time in my life by my bank XXXX. I have since been denied personal and auto loans by XXXX every time i apply, and my quality of life has been suffering as i can not buy a car without a loan and i can not get a job without a car. I am barely able to escape XXXX  each month because the big three credit reporting companies are reporting incorrect information on me by neglecting to merge my XXXX histories. I have the same SSN and date of birth, i even talked to a very rude woman who worked with XXXX last year. She laughed at me when i told her i actually have decades of good credit built up until i asked her to search the credit score of my old name with the same XXXX and XXXX. She saw it and was surprised, but when i begged her to fix the problem she flat out refused and said it wasnt her job. 

XXXX let me talk to the top woman in charge of loans or something last summer, XXXX, and i was crying on the phone begging her to fix the issue when i asked for another denied loan. I have had many auto loans, personal loans and my home loan through XXXX over XXXX decades as i built my credit history before this XXXX XXXX episode took over my life. They know its me, and they can see all the products i have successfully purchased and paid off with them since XXXX, but they act as if the ridiculously low " new '' credit score is my only credit score or history. its unbelievable that this could happen, and then i cant find any way to get it fixed because XXXX, XXXX and Equifax make it impossible to talk to anyone to get the issue handled and my bank XXXX doesnt seem to care how this stupid error of data entry by some unknown person in XXXX has had disastrous and nearly fatal consequences for me and my deteriorating life. 

I guess the reason i chose the mortgage option to file a complaint is simply because on this current credit history i only just started last year in XXXX, my mortgage history and the fact i sold that house and paid off the loan isnt even on my report. none of my loans for cars or personal reasons are showing. None of my credit cards are showing, all because it was prior to my name change in XXXX. This is destroying my life and i cant keep fading away like this. 

I am now begging you to help me. This cant go on much longer because i will be XXXX  and on the streets soon because i lost my XXXX  credit score and nobody cares. Please help me get this fixed so i can finally get a loan and get a car so i can support myself again! 

thank you for your time XXXX XXXX XXXX

Company response to consumer: Closed with explanation