Credit reporting, credit repair services, or other personal consumer reports -- Unable to get your credit report or credit score -- Complaint #5127162
Complaint Overview
Complaint ID: 5127162
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: Pennsylvania
ZIP Code: 19132
Date Received: 2022-01-19T12:00:00-05:00
Date Sent to Company: 2022-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. Equifax and XXXX both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for Equifax, which you can see linked to on the screenshot. And I mailed XXXX at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. I requested advice from the law firm again and they've suggested submitting disputes to Equifax and XXXX, and a complaint to the Consumer Financial Protection Bureau. Equifax and XXXX 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting Equifax and XXXX to update their records, beyond this submitting a complaint here. I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. Please let me know if any additional information would be helpful.
Frequently Asked Questions
What is Complaint #5127162 about?
Complaint #5127162 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2022-01-19T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.