I see why my Equifax is soo much lower

[Stugotsv10]

So it seems Equifax decided to NOT report over 50% of my report!!! Hence most of my long standing positive accounts are well, not being counted so the score is suffering.. I called and they seem to blame it on the "banks" however that is a  crock considering just HOW many we are talking about.. I checked with the lenders and they are 100% reporting to equifax every month, Equifax is just deciding to ignore it..

what can I do here??  Neither side seems to be willing to work with me other then blame the other 

[Ficoproblems247]

It sounds possibly like you may be experiencing what's referred to as a split file, a semi-common occurrence with EQ. It's been said the best way to rectify that situation is to call and specifically tell the EQ CSR you believe you may have a split file. They should know what you are talking about and be able to assist you with correctly merging your information once again. Someone with more experience on the matter may chime in and have more specific advice for you, but that may be a good place to start. Good luck on getting your accounts all back reporting properly again, and let us know the outcome in case your situation can assist any other members in a similar situation.

[Stugotsv10]

Well lately my issue is, getting them on the phone... they ask 4 security questions before they give a person and mine seem to not have ANYTHING to do with me what so ever, so therefore I Can not answer them and they basically hang up on me.

[Ficoproblems247]

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@Stugotsv10 wrote:

Well lately my issue is, getting them on the phone... they ask 4 security questions before they give a person and mine seem to not have ANYTHING to do with me what so ever, so therefore I Can not answer them and they basically hang up on me.

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That one I do not have experience with. It sounds like you did get through to them at one point, in your original post you said you spoke with them and that they blamed the issue on the banks. I would try and use whatever method worked to get you through to a live EQ rep that first time you spoke with them. 

[K-in-Boston]

Out of curiosity, do you have a generational designation (Sr., Jr., III, etc.) in your name or a common name?  That could possibly explain both the split file and the security questions not seeming to make sense.

[coldfusion]

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@K-in-Boston wrote:

Out of curiosity, do you have a generational designation (Sr., Jr., III, etc.) in your name or a common name?  That could possibly explain both the split file and the security questions not seeming to make sense.

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Bingo.  I've been through this exact problem with them.

For giggle and grins OP should run a free basic search on his name and town on Intellus or one of the other 48 or so sockpuppet companies operating under the same umbrella just to see what turns up.   If they list your wrong age, places you never lived, or relatives you never knew you had that's a clear tipoff that data miners screwed up.

Since Equifax has given OP the brushoff the 1st step is to request in writing via CMRR a copy of one's Nexis Lexis full consumer report as documentation will be needed to verify identity.  Dispute off any errors. 

Once that has been cleaned up open another formal dispute with Equifax that there are errors in your file. If they don't correct the errors this time file a dispute with the CFPB, but only file the dispute after you've ensures your Lexis Nexus report is accurate and you  gave Equifax another opportunity to correct the errors.

Equifax will have 60 days to respond after you file a CFPB dispute.  Expect them to take most of it. 

[Stugotsv10]

no Jr or anything.. My name (being Italian) is VERY uncommon actually, I do like the CFPB idea, I have used that for past issues and it SOMEWHAT works

[coldfusion]

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@Stugotsv10 wrote:

no Jr or anything.. My name (being Italian) is VERY uncommon actually, I do like the CFPB idea, I have used that for past issues and it SOMEWHAT works

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CFPB has had their wings clipped but hasn't been completely neutered.  You do need to make it easy for them though by having your ducks all lined up which includes demonstrating you've already attempted on your own to work with Equifax in good faith. 

The verification questions Equifax presents you are based upon data pulled from an aggregator.   Your being presented with questions you can't answer as part of the verification challenge process  points to you having a mixed Lexis Nexis profile, so that's the first duck you'll want to make sure is lined up. 

If you have 1 or more aliases associated with your profile (John Smith, nicknamed Jack Smith) that in itself can be a source of trouble.  

[Stugotsv10]

ohhhh ok...   I said the questions were from my Equifax profile, which I was literally looking at when being asked and of course I"m yelling into the phone "You piece of ####   lol