Complaint / review text:
My business overdraft line of credit with Washington Mutual bank (WaMu) was cancelled due to "negative information on my credit report." When I received the said credit report, no negative information at all was contained therein. Two erroneous addresses were listed in the credit report but my correct address is not listed at all. I completed Equifax's "research request form" in order for them to correct the information and attached a copy of my driver's license as evidence of my correct address. They did not respond after 90 days so I called and was told that a letter was sent to the wrong address they had for me.
Equifax will not correct the information. They say that WaMu must correct it, but WaMu no longer exists and I no longer have an account with them. Equifax confirmed that wrong information is basically "carved in stone" if the creditor no longer exists or is unwilling to correct it. Their "research request form" is a sham and their dispute phone line is unhelpful. I have been trying to get this corrected for over 3 months.