Why do MANY of my accounts not show up on EQ?

[Anonymous]

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@Stugotsv10 wrote:

all accounts open/active, 2 of the 6 have small small balances

Home depot

Sears mastercard

Discover

Old navy

Elan financial

Chase

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Hello Stugotsv10.  Two more points of clarification:

(1)  These accounts do appear on TU and EX?

(2)  These accounts are all at least four months old?

I am almost sure the answers are Yes to both, but worth confirming with you anyway. 

Regarding #2 if an account was under four months old, there'd be a chance that EQ had just not updated it in the database yet.  (Four months is pretty extreme, but 2-3 months would not be unheard of.)

[AndySoCal]

I agree that these creditors report to all three bureaus. I would file a dispute with Equifax using the credit report pulled annualcreditreports.com. The reason for the is accounts missing from the credit report. You will need to give Equifax this information

name, address and social security number on the account as well the account number (in full) and date the account was opened. If you have an Equifax credit report that shows these accounts you might want to give the date of that report.  This should be enought for Equifax to open a research ticket. Also if they try to push back and say it is the creditor's problem tell them when you contacted the creditor. If that does not work get a supervisor. This may Equifax a little time so be patient.

I think you have done about all you can do from your side. Thank you your responses. Let us know the results.

[Stugotsv10]

all are over 4 months yes, one is 8 years.

EQ said they wont even investigate it.......

[Anonymous]

Good to clarify that they are all over four months. 

And I presume they appear correctly on TU and EX, yes?

Like we talked about earlier, there's a chance that EQ is having trouble with the identifiers on at least one account.  EQ has your name spelled incorrectly, you told us, and one of the CC issuers has your DOB wrong.  So if I were you I'd work on getting all the identifiers (SSN, First Name, Last Name, Middle Initial or name if any, Street Address, City, State, Zip, DOB) consistent across the creditors with precisely the same spelling.  That's the first thing you do. 

Then give the new spellings and so on time to populate inside the EQ database.  That can take a couple months.

Then you can work on finding a rep inside EQ to investigate the true most likely cause, which is a split file.  But finding a rep who can think outside the box (the box being the canned script that "Creditors are not required to report to all three agencies") will itself take a while.  I am happy to walk you through some strategies for that when you have got all your ducks in a row (e.g. all the creditors reporting consistently with the same identifiers).  The most important strategy is always being very polite and friendly in your conversations.  Cust service reps at any company are able in their own internal database to flag a customer who is confrontational and you then end up getting no traction.

In a situation like this you should take the long view.  Work a bit on it, rest, work a bit more, rest, all with the goal of getting it fixed in the next four months.

I am skeptical btw that disputing anything is the right approach.  The dispute process is for when you see a record on the report that has something incorrect on it.  That's not the case here.  In this case you are bothered because you do NOT see a record that you'd like to see on it.  Getting this kind of thing fixed can take longer and it is easiest when you have the CRA as your ally.  I have been through this with my student loan and it took about five months.  Just my take... best wishes...

[AndySoCal]

What is incorrect about the credit report is the missing accounts.  Since Equifax is refusing to investigate further. You may consider making a complaint to CFPB.