Split File EQ

[Anonymous]

So, all that hoping thinking that my baddies were just not reporting- WRONG!

I just found out by badgering EQ for the 3rd time in the last two month my file is split. The guy on the other end had the audacity to say to me "Well, you just got maried, so you expect the reports to update so soon" and I said "Um, no, but since I have been married for 7 YEARS I expect that to be time enough"

And guess what? They wont merge them, unless I jump through hoops. I need to send them a letter stating why I need to merge the reports and copies of my marriage certificate, my SS card, and my drivers liscence. 

The thing is though- to me this grounds to dispute everything on the reports. I know it doesnt work that way, but still. 

So much for having a clean report 2 months post BK. Now I have to start all over again. AND I have been stuck paying for their crummy service for 60 days because I couldnt get MYFICO to get a EQ score.

*Cranky pants*

PLease, shouldnt there be a phone number to speak to someone wo can just merge the files? I was told 30 days after recieving the info.

[CreditCuriosity]

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@Anonymous wrote:

So, all that hoping thinking that my baddies were just not reporting- WRONG!

I just found out by badgering EQ for the 3rd time in the last two month my file is split. The guy on the other end had the audacity to say to me "Well, you just got maried, so you expect the reports to update so soon" and I said "Um, no, but since I have been married for 7 YEARS I expect that to be time enough"

And guess what? They wont merge them, unless I jump through hoops. I need to send them a letter stating why I need to merge the reports and copies of my marriage certificate, my SS card, and my drivers liscence. 

The thing is though- to me this grounds to dispute everything on the reports. I know it doesnt work that way, but still. 

So much for having a clean report 2 months post BK. Now I have to start all over again. AND I have been stuck paying for their crummy service for 60 days because I couldnt get MYFICO to get a EQ score.

*Cranky pants*

PLease, shouldnt there be a phone number to speak to someone wo can just merge the files? I was told 30 days after recieving the info.

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Contact the EO via email...  Best route to go and you will get a call back from someone there.  You can obtain someones email in the rebuiding section of this forum to get the ball rolling.. EQ is the worse of the worse for CRA's!

[jsully87]

Same thing happened to me some time around December 18th. I actually got my paper report in the mail around Christmas, pulled on the 16th with everything on it -- and then sometime after that everything was gone.

I constantly get monitoring alerts things have reported, but when I pull, or a lender pulls, it shows up blank with only one AU account that reported once on Dec 10th and then a few INQ.

Thats it.

I have tried calling --- but all I get is someone in India that won't help.

I have just given up.

[CreditCuriosity]

Don't give up and don't deal with anyone in India...  Try the rebuilding section of this forum and ask the email their for the EO office, someone will reply to your request and I have got my issues done the same day when the EO calls me back..   Off Shore people are horrid to deal with w/regards to EQ I refuse to and go right to the Executive office of Equifax and have them take care of it... 

[EW800]

Any idea what casued your file to split?

[Anonymous]

No clue. I know they still have me listed under my maiden name. I always had a thin file, just because I was a cash kind of girl.

My only guess is that I was married out of the country, via destination wedding. But that was 7 years ago- changed my drivers liscence, and my social security info. EQ says they have a file with my married name, and birthdate with no social.

Now I am on the phone with Capital One because its been 90 days and my cap1 cards are not showing to ANY of the 3 CRA. I have some very not good feelings right now. I feel like there is something afoot, and that my files may be split across the board. 

[EW800]

Very sorry to hear what you are going through.  I asked about the cause because I was wondering if it had to do anything with too many SP's.  Through all my SP's from pulling my own reports through numerous services, I have feared that it could cause a split.  It sounds like this was not the case in your scenario.  

Best wishes.  I hope it gets figured out and corrected!  

[taxi818]

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@EW800 wrote:

Very sorry to hear what you are going through.  I asked about the cause because I was wondering if it had to do anything with too many SP's.  Through all my SP's from pulling my own reports through numerous services, I have feared that it could cause a split.  It sounds like this was not the case in your scenario.  

Best wishes.  I hope it gets figured out and corrected!  

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Yes i was wondering the same thing. if the op was trying to do B on eq. not sure. as i know it takes about 2 months to get b to work. but this seems like something different. i don't think it is forbidden to just say the word b. but i will not explain it here. so off topic. sorry op. hope all is well. ew800. what services are you using?

[Anonymous]

Nope, I dont need to do the B*, I am a rebuilder who only has 2 inq across the board.

Or, you know, who knows now.

Found out that I likely have Split Files across the board with all the agencies. My own 2 cap1 cards are not reporting, and my 4 AUs are not reporting. Its been 90+ days on some of this. Cap1 EO office is getting involved, because they state they are reporting. 

I am trying SO HARD to bounce back from this nonesense. At least now I understand what was happening and why things were not showing up, but it makes me very fearful of what this will net out.

[Burned2manybridgesB4]

1-800-846-5279

They'll treat you like it's their property, and you're at fault for damaging it. Tell them to fix it, or you're going to contact the CPFB for FCRA accuracy violations.