Consumer complaint received 2024-01-04 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: WA

Complaint narrative:
I legally changed my name on XXXX, XXXX, XXXX in XXXX XXXX, Washington state. I have been submitting copies of my new state ID, XXXX XXXX XXXX Order Name Change document, copy of my updated Social Security Number, and Social Security letter stating they had changed my name. 

Equifax refuses to change my credit report that creditors get to my current legal name. XXXX XXXX, and XXXX, as well as all my credit card, banking, and Medicare, updated my name with no problem. 

I followed Equifax 's process since last XXXX more than 10 times, including, faxing, mailing, and uploading the documents to their portal as directed by their customer service staff. 

For many months some person, or persons kept denying getting my documents. After many months they finally, acknowledged my new name but instead of changing my legal name, someone made up a whole new legal name that was never mine and put my new legal name, as well as my old legal name as formally know as. I kept calling to try to fix this, they kept saying they were but never did. After, many call someone in Equifax instructed their customer service reps to hang up the phone on me. 

So I had no choice but to file a complaint with the XXXX XXXX XXXX. They contacted Equifax. Equifax denied what they had done and again stated I needed to submit documentation for them to change me name. This time the Better Business bureau submitted it to Equifax for me. Equifax said the problem was fixed. Whenever any of my existing credit card companies, or bank, and now the XXXX XXXX XXXX submit a soft credit check someone in Equifax is saying I have no credit history even though I have a 14 year credit history. All of my current credit card companies, XXXX  XXXX XXXX, XXXX, and XXXX XXXX all provided proof they are submitting my credit to Equifax but they are not putting it on my report. After I filed the complaint with the XXXX. Someone at Equifax, removed all the credit history that that was on my report and changed everything to XXXX 

Because of this they have just reduced my credit rating to fair stating I have all the credit card companies but non of the accounts have no credit limit, no age and no credit payments. 

This is now threatening my current credit card status, housing, and employment. No matter what I do Equifax staff will not change my name, and put my credit history back in my report. Someone at Equifax just reduced my credit score by more than XXXX points because they remove all my credit history. XXXX, and XXXX, are both correct and show good credit histories with all my payment, available credit balance, remaining credit, and length of credit. 

I believe someone is doing this to me because I did what is called a XXXX XXXX XXXX. Some person, or persons must not agree with this and I think this is why they refuse to update my name. I went from a male sounding name to a female sounding name. I thinks someone in Equifax does not like my lifestyle, and is showing their disapproval by putting my new legal name as my former name with my old legal name, making up a name that was never mine. Another Equifax employee retaliated against me for filing the complaint with the XXXX by removing credit history. 

I have suffered greatly personally, financial, and medically due to how they are discriminating against me just because I am a XXXX and they don't seen to agee with it. I have been denied a credit increase, offer of credit, and housing cerification due to this. 

This has been going on since last XXXX, almost a year ago. I dont know what else to do but file this complaint. Someone please help me. I spoke with a representative with a XXXX based XXXX XXXX and they told me I am not the first XXXX Equifax has done this to. 

Someone please help me to resolve this. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief