I applied for credit and was denied because of information contained in my Equifax credit file. I was advised by the merchant that my Equifax credit file had not been updated in at least XXXX months, but on some accounts, as many as XXXX months. I contacted Equifax to file a dispute over the phone and was advised that I have multiple files with Equifax that need to be merged. Further, the agent advised that I needed to go online to file the dispute because it had to be handled by a different department. I immediately went to Equifax online and filed the dispute. On XXXX XXXX, 2015, I received an email notification that the investigation was complete. I reviewed the results, only to find a bogus conclusion of : we ( Equifax ) are unable to combine your multiple credit files due to amount of data in each. I know this is untrue because years ago this problem arose, and Equifax corrected it. Now, when it first reappeared a few months ago, I have made endless phone requests to have this issue corrected to no avail. Please help me because Equifax 's inaccurate reporting of reporting of credit file has affected my quality of life in more ways than one can imagine.