I've been engaged in an ongoing struggle with Equifax, and I've reached a point of frustration. I'm seeking guidance.
Over the last year, my wife and I have been endeavoring to purchase a house. When lenders review my credit, they can access information from TransUnion and Experian, but Equifax consistently fails to provide any data. We discovered this issue nearly a year ago and have since engaged in multiple interactions with Equifax. Despite repeatedly answering their standard questions, they consistently claim they cannot locate a file for me and insist on faxing in identifying information, including a letter of explanation, my social security card, and a government-issued ID.
I've diligently faxed this information to them five or six times, keeping records of each attempt. After the latest submission, I waited seven days and called Equifax, as I had done in previous instances. Finally, they confirmed receiving the information and updating my file. However, when my lender pulled my report after a 30-day wait, the issue persisted – Equifax still showed no information.
I'm seeking advice on the next steps to take. Is it possible that I'm being impatient, and the information takes more time to replicate across various systems, perhaps 60 days? Should I consider seeking legal assistance from a specialist in this field? Interestingly, I've come across a company that specializes in such cases https://www.dandb.com/businessdirectory/bucceripincus-bloomfield-nj-8676654.html
The impact of this situation on my wife and me has been significant – we've lost numerous houses we had set our hearts on due to the inability to resolve this matter. I'm open to any guidance or suggestions on actions I can take to bring about a resolution.