Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern : Regarding Equifax case # : XXXX For the past few years, I've had very good credit ( in the mid or high XXXX 's ). 

In XXXX, Equifax DESTROYED most of my credit file to the point that I had NO payment history nor open accounts with ANY financial institution. They were claiming that my file had no payment history for any of my financial relationships, and that there were NO OPEN ACCOUNTS on any of them. ( My credit files with Experian and TransUnion were unaffected. ) Unfortunately, at the time, XXXX was unable to help with my credit card credit limit increase, as they were locked into using Equifax. XXXX wanted me to resolve the situation with Equifax before I could establish any more credit with XXXX. 

It took Equifax XXXX months to finally fix this issue, in which XXXX of the Equifax XXXX had stated that they had never seen this problem before. I tried to obtain a final ( post-mortem ) report on what happened, and what was done to resolve this issue. They refuse to provide this information to this day. 

Fast forward to this year. I was trying to apply for a HELOC loan product. And as I was unfreezing my XXXX credit bureau accounts, I noticed that my Equifax XXXX credit score had dipped XXXX points! Upon closer inspection, it looked like ALL my creditors had missing payment history for the past 6 months. ( The previous Equifax problem had seemingly happened again! ) Unfortunately, my financial institution ( NFCU ) was unable to easily 'switch ' to the other credit bureaus for my loan application again, and this is now severely impacting my life. 

Other than opening a dispute, calls to Equifax to escalate this issue are fruitless. Any attempt to speak to a supervisor results in hours of delays, or simply having the supervisor state that I just have to wait the standard XXXX days for this issue to be possibly resolved. Meanwhile, my credit life with XXXX ( and possibly others ) are on hold. I would have to pay out of pocket ( for Equifax 's premium subscription ) to review daily updates to my Equifax credit file, which seems very wrong. Equifax refuses to temporarily provide this premium product for free, even while they have virtually destroyed my credit life. 

XXXX : When this issue occurred last year, I took extra steps to ensure that my Equifax personal and other relevant information was all corrected and up-to-date, just in case that anything of the sort could have triggered this huge issue. Well, since it has happened again in XXXX, those steps seem to have had no effect. 

Other corroborating info : After this second incident happened this year, I tried to establish an account at XXXX. They were unable to open an account for me because, according to the information Equifax provided XXXX : " ... your data from Equifax does not meet the minimum requirements for calculating a FICO Score 1. At least XXXX credit account which has been open for XXXX  months or more. 

2. At least XXXX credit account that has been updated in the past XXXX months. '' Please see attached PDF file for the MyFICO response on XXXX. 

Thank you all for your time and help. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief