The whole credit reporting business is a fraud. Your credit scores vary so widely between credit bureaus that scores are a farce. Incorrect or even false information on your report take a huge effort to get corrected. My wife and I have experienced this first hand. One credit bureau had one of my wife’s school loans as delinquent when it had been fully paid off. Despite submitting evidence that it was paid they refused to remove the error...just listed it as contested. Another credit bureau listed charge accounts that had been paid off and closed for twenty years. Again the process of getting this corrected took darn near legal action. While I do not often favor Congressional action, this is one case where Congress should act and clean up this mess.
The credit bureaus are all screwed-up.
The Equifax snafu was just the tip of the iceberg.
I tried the call-in route with Equifax and ran into a automated response saying that my request could NOT be completed, but I had already typed in all of critical personal identifiers. Then, the choice to snail mail the same material plus a copies of utility bills.
My conclusion is the whole object of the recent game was to rebuild the screwed-up data with a fresh set of hard copies. Shamefully, corrupt and deceitful, IMHO.
I did NOT give these companies permission to gather and store my personal data. I feel violated by their sloppy business practices.
Who do I sue?