A New York businessman named God is suing Equifax for stating that he has no financial history after its system rejected his name.
God Gazarov, who owns a gold dealership in Brooklyn, filed a lawsuit against the credit agency today, claiming that it has refused to fix the problem.
The 26-year-old, who was named after his Russian grandfather, says he has repeatedly called and written to the agency for the past two years to complain.
The glitch in the system means that despite having a high credit score with TransUnion and Experian, Mr Gazarov is often denied credit, like when he tried to buy a car last year.
Because Equifax refuses to accept his name, he claims he has been listed as having no financial history on the agency's records, which can have a negative impact.
'It’s extremely frustrating. I worked hard to get good credit to look good to lenders and this happens,' he told the New York Post.
The 26-year-old claimed that an Equifax employee even suggested that he change his name.
HIs attorney, James Fishman, said Mr Gazarov was left no option but to file the lawsuit because the credit agency refused to accept that his name was legitimate
A spokeswoman for the credit agency told Mail Online: 'Equifax has processes in place to help ensure that businesses and individuals requesting access to credit are who they say they are.
'These processes flag standalone names that generally may not be associated with the valid openings of credit accounts. We are working with the consumer to make the necessary changes to his account.'
Having no credit history can cause problems for people wanting to buy houses and cars, or even wanting a credit card.
Lenders often see a customer with no credit history as a risk because there is no record of whether they are good at keeping up with repayments.
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