I need some advice about who I should complain to.
My credit score has always been close to perfect - I pay everything on time and have very little debt. Last year I noticed in Equifax someone with extremely bad credit was accidentally linked to my credit file. Apparently our ssn is extremely similar and he had used mine a number of times. As a result my credit score is below average at 697. I worked for months with CSC and Equifax to have my credit report cleaned up. About 4 months ago after many iterations there were finally no traces of the deadbeat on my report. The problem is my FICO score has not gone up.
Last week I called Equifax to complain and they directed me to FICO. I called FICO and they directed me to Equifax. My question is who do I really need to contact about this?
My understanding is that CSC has my raw credit data. They feed it to Equifax who uses FICO software to calculate my score. Is any of this correct?