Consumer complaint received 2024-08-09 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:
Equifax Error in Credit History No accurate data. Had to get a guarantor as it said I had no history. Sent the paperwork to dispute inaccurate however I heard it takes up to year to restore proper credit since the databreach of 2017. Customer services is awful. When I called and provided customer service and enter in social security is said my brother in law 's name. It seems that my account does not have my correct information as I am able to pull it up through creditkarma, however it is missing so much information. Completely not accurate which affecting my ability to get loans, rent application, ect. 

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 use NH. I am tried to call several times with more directory delays ; when I discussed with Equifax, they said that my account shows no credit history or rental history, which total opposite of other credit agencies. 

I continually get this error when I enter my old information or register with different email hey said an account 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 NH code. There negligence and inaccurate credit reporting is strongly impacting 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 the credit NH 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. 

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 supposed to track my credit history and have ongoing update if they did why would it say no history or no credit history, hence HN. 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.i got denied due to inaccurate Equifax data. 

But does NH when you finally after the 3 attempts says give agent NH ( no history ) to XXXX 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 expedite 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. I have heard it takes months to a year to update your credit report since the data breaches, which have affect many people lives.

Company response to consumer: Closed with non-monetary relief