Split Equifax File

[Anonymous]

I had long suspected that my Equifax file was split and sure enough, it's a mess. The file they send in the mail has most of my history but it's missing my AE account and a closed, paid credit union auto loan. The report in MyEquifax online has only the AE and auto loan and nothing else. All of the accounts are mine and reporting accurately. I mailed EQ a CMRRR with a copy of the mailed report and a copy of the online report and explained that the two needed to be combined. In response they deleted 4 of 10 paid closed student loans and said that their investigation concluded the others were all mine. All of the 10 were mine and never in question and I never mentioned ot disputed student loans in my letter. I can't talk to them over the phone because I can't get past all their questions to verify my identity. I can't get my report from them on annual credit report.com because they can't verify my identity. The only way I can get a report from EQ is to mail the identity form and accompanying identification to annual credit report and wait for it so I ordered another one for verification before I contact the FTC and CFPB and file complaints. Any and all input and suggestions are greatly appreciated. Thanks and have a great weekend. 

[SOGGIE]

Try contacting an EQ supervisor by phone to request a file merge. They will more than likely request you submit to them a copy of your SS card and government-issued photo ID. Do you know what caused the split? Too many addresses? Too many accounts reporting? Name discrepancies? Mixed file with another consumer having the same name as yours?

[Anonymous]

I have no idea what caused the split. Unfortunately I can't get through to them on the phone because I can't get past their security questions. The last time I called they asked 11 different questions and then said they couldn't verify my identity. 

[SoCalGardener]

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@Anonymous wrote:

I have no idea what caused the split. Unfortunately I can't get through to them on the phone because I can't get past their security questions. The last time I called they asked 11 different questions and then said they couldn't verify my identity. 

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I know how frustrating that is!! You'd think in this day and age they'd provide an option to speak to a human after all that fails.

Anyway, is there someone you can ask to call for you? I mean, call using their name, identity information, etc., just to get in. Then ask for a supervisor and hand the phone to you. Then you can explain that you couldn't get in any other way and proceed from there...

[FireMedic1]

It happened to me yrs ago. One creditor had my middle initial as J and its S. It caused a split after Suntrust in house rep tried to get me approved for a card. SunTrust was on the phone with EQ explaining all my info. No go. I sent in so much proof. They actually called me from EQ and the lady fixed it 2 days later. Card was approved right after my file was fixed. See if you can pull your EQ free report from annual credit reports.