Equifax Wrong Info - Madness

[Anonymous]

Hi,

So i've seen a few other threads on this issue. Some people are reporting items that were removed are showing on Experian monitoring or credit karma but are not showing on MyEquifax site. I think Equifax is having an issue. I had a few cards that numbers were changed and its reporting as a duplicate tradeline (which literally yesterday was not showing this on anywhere, experian, myfico, myequifax, annualcreditreport) i monitor it daily and an account that was showing closed is showing in the open tab on myequifax, reported last back in 2023. Uhm.. What in the heck is going on over there? No i do not have a split file. everything is there, its just.. not right. & for some people worse. Ummm ?? what in the heck is going on with Equifax ....

[RedKhaos]

Equifax is having one of their moments. I swear they are like the ugly stepchild of the bureaus.

I think they royally messed up an update as they did it to one of my old accounts as well, two lates this year showing up for a long closed account. I had to go 5 rounds with them, my lender, who also happened to have lost my record (or at least none of the cs/fraud people could find it), so Equifax just ended up reposting the clearly wrong lates after each dispute. I filed a cfpb complaint and it looks like it's now resolved based on myfico and creditkarma, but I'll know next month.

You can try disputing Equifax but I think their system is clearly messed up right now. Go to the lender and have them report your account info to Equifax and if that doesn't work, file a CFPB complaint with pictures of your clearly wrong Equifax lates and tag both the lender and Equifax.

[IntegerIntrovert]

I have had some similar experiences, I don't know if I have a split file or what.

[FireMedic1]

Pull your annual credit report  from annualcreditreort.com Go over it. Sound like a split file. Been there done that. Had to send in all my ID's and such and it was merged and fixed.

[Anonymous]

its not a split file according to EQ office of consumer affairs, and in my opinion because it simply shows like for exmaple I replaced my BofA (lost) and they re-isused a card number to me. Was never on Equifax as reporting 2 tradelines for the same account and now it is. something fishy is going on with EQ though for sure. I dare not to dispute due to risk of closure. I just hate them. In other words, im not missing anything. I have things like above that werent there before. if this makes sense.

[northway]

So besides my split file issue, I'm experiencing the same issue. Old tradelines (some derogs that were deleted) and inquiries that were deleted years ago have now re-inserted themselves into the credit files that can be seen by LifeLock and myFICO. myEquifax still shows a fraction of the entire file and none of the old tradelines or inquiries.

On top of it, my credit file is inaccessible now on myEquifax as well as the dispute center and they've had to escalate things to their "technical team" to try and fix after contact the Office of Consumer Affairs.

There must be some kind of major issue going on at the moment for this to happen to this many people so far in the last week.

[AndySoCal]

Anonymous  Question Iis the duplicate trade lines is the date reported for trade lines the same date or is there a difference? 

The split file indicators and possible causes. First the misconception is the bureau searches only by social security number. The bureaus search by name, generation code, address previous address and social security number and age/ date of birth. There are several possible causes names used when applying for credit.  You should use your given name or whatever name you use should be the same on all credit applications.  It is the inconsistent use of your name that causes problem example given name Ronald James Smith credit app given name, Ronald J Smith, R. James Smith, R J Smith.  Then you add to that this consumer also moved to a different state and did not update his address after moving with all his creditors nor did the consumer when applying for credit use a previous address. 

Why can this cause a problem in my case there is at least a dozen people in the USA that have my first middle initial and last name some of those are in the same state as me.  How is the bureau supposed figure out  if the Ronald J Smith in Arizona is the same as the one who lived in Vermont in the past. Yes the socials maybe the same or similar one could be a fraudster and the is not.  

Most of the time a sign of split file is not all the trade lines are not reporting. The key to solving the  problem is ask what do all the trade lines have in common besides they are not reporting.  Once you know that you can fix the problem. Hope this helps.

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