Equifax Reviews

A company that truly does not care about people. Lock your account then make it close to impossible to contact them and get it fixed. Just check out their 1.1 star rating on TrustPilot.

It took me I/2 an hour to cancel my subscription on the Phone! It Is BS another scam as far as I am concerned! When they make it so hard to quit paying!

The fact that they are still being used as a "trusted credit reporter" is abysmal. I have called in countless times trying to get an issue resolved about having wrong accounts on my credit history. The Agents are extremely unhelpful and all they do is create a dispute ticket and the disputes get closed without any reason or information. I have tried contacting the banks via different departments and even going in person to speak to a manager. They tell me they can't see these wrong accounts on my profile that it has to be resolved by Equifax.

I don't mind using AI, but their AI customer service is TERRIBLE. It LAGS to the point it's unusable. It asks a question, and you answer vocally or type of a number to respond. But their system doesn't respond for 5 to 15 seconds... so I'm not sure if I need to do something again. Come on Equifax - you can create AI technology that actually responds in real time. If not, hire humans.

My husband passed away unexpectedly and in closing his account, Equifax was very professional. Unlike Experian that was a total nightmare to deal with, Equifax was prompt and competent which when your world is turned upside down, you need.

All I wanted to do was get my credit report which I have a right to do. Nowhere on my account was there a place to print my complete report. There was little sections that I would have to print separately. They were more interested in selling me something. How can anyone trust this company with sensitive information if they can't offer information I am entitled to easily and completely? They should be removed as a credit bureau.

Equifax is far the worst credit company to ever exist. Unlike other credit companies equifax had soo much inaccurate reportings about companies or services saying I owe that’s I never even heard of. I have disputed cases against these unknown vendors and these cases never got resolved. I have paid all my 1400 rent payments and 600 car payments on time and other services that Equifax don’t even have but the better credit services like Experian have. The last toll equifax took on my credit score is dropping my credit score down by 45 points have a loan company checked my credit score. It’s like they don’t want you to have help and want you to have bed credit. Equifax clearly onlyreport negative and inaccurate reportings for credit scores. There will for surely be a lawsuit against them.

If I could rate them a zero, I most definitely would. I have called several times and each time the rep I’ve spoken to have no clue as to how to assist me. Simple questions unanswered, calls transferred to incorrect departments and I dare forget to mention the lack of unprofessionalism they have. I had to jump through hoops to get to a live agent and then when I do, it’s horrible service! At this point I refuse to call back. Ugh!!!!

Terrible website. I cannot login to my Equifax because every time I try to retrieve my password it says "cannot complete this now" (it's said that for the past few months) and the only way to get help is to sit on a phone call. My wife couldn't print her credit report, as there was no option until she requested a brand new credit report.

I called in to freeze my son's credit due to the Navia Benefits Solutions data breach after unsuccessful created an account online with them that resulted in an error for which they also instructed me to call in. They wasted my time first time around, telling me that they couldn't freeze the credit until they speak with my son. When I conferenced my son in on the call the second time around, they said that they didn't have his credit information in their system and they wanted me to call the banks and the credit card companies to transfer his data to them. REALLY???? Experian and TransUnion were able to. At the end of the call, I asked him to delete my son's data from their system and he claimed that they didn't have his record on file, then how did he verify my son's SS and address? Was that just for the show?

OMG, Run don't walk. AI then Off shore rep who asked me repeated questions due to language barrier. If anyone has a serious breach, you are screwed. No wonder Equifax was lowest bidder for 2017 breach. Never got my questions answered. I question even getting the free 4 yr option is safe?

Not only the worst of the credit bureaus. Might also be the worst company ever to deal with. They are so terrible. And we all really have no choice but to put up with them. How does the government allow this company to continue to do business?

Incompetent! I have sent all of the required documentation more than once for them to correct my information and yet they still can't get it right. Talking with someone is a waste of time. If they had a lower score than a 1 I would rate them well below it.

It took me 10 minutes to get my account setup with Transunion and I'm on day 5 trying to get logged on to change my password with this mickey mouse website EQUIFAX.... What a joke. Zero customer service.

Terrible company to deal with. My purchaser started the loan process in June of 2024. We are just now getting ready to close. Process was slow and unorganized. Terrible customer service. It’s not quick and easy as they advertise

If I could rate Equifax zero stars, I would. I have spent a couple hours today attempting to log into my account. I was unable to log in using my user ID and password. I attempted to go through the online 'help' process to change my password to see if I could gain access through that route. The online process failed. I tried to go through the process by calling into an agent. It took several tries to get through the VRU 'gauntlet' which is set up to make it virtually impossible to request a live agent. The first agent I spoke with could not seem to understand the situation, and after trying to step through several options online using different browsers, I asked for a supervisor as I was clearly having a 'failure to communicate' with agent #1. The supervisor indicated that my account should be unblocked based on the process I went through with agent #1, but that I would have to wait a half hour to attempt to get in again.

An insurance broker contacted Foremost, a Farmers Insurance company & requested a quote for homeowners insurance. The information they received from Equifax was completely incorrect. After the theft of my credit cards I froze the ability of any reporting bureau to provide information to any person/firm. I would not recommend using Equifax & would only use TransUnion.

Well, Equifax is getting very poor to evaluate credit score. 2 months ago they removed 6 points for a $10 balance on one of my credit card, even if was paid. Today the removed 33 points because I have $300 balance on the same card, but the closing is at December 22nd, not today! I am ALWAYS PAY OFF MY BALANCE BEFORE THE CLOSING DAY. Today is December 7th, I will pay off my balance on December 22nd. Well, Equifax will never return the points they removed for a no good reason. They really work to ruin the score!

Equifax is a scam company with shady business practices and should not be a credit bureau listed with the other two credit agencies that are valid good companies: Experian and TransUnion. Unlike those two companies, Equifax is a scam that cannot manage their website cannot verify identity and has zero customer support. Equifax should be put out of business and all of their employees should be deported. They are worthless scammers and should not have any of our personal information.

Really terrible customer service. The customer service representatives are not fro the U.S. and they are incredibly incompetent. It's been over a year and I still cannot login to my Equifax account. I asked to be transferred to a support team and the representative, for whatever reason continued avoiding my request. It was very strange. I can see now why they're always dealing with a lawsuit.

Horrible company. I have Equifax thru Norton 360 with LifeLock and they constantly make outrageous errors on a yearly basis. My most current episode is inaccurate credit report with false information on it. They also had my wrong birthdate listed on my account. You are never able to download documents on their website. Customer service speaks broken English so you can't understand them. They have had multiple class action lawsuits against them including their Data Breach years back which. This company does not follow the Fair Credit Reporting Act at all. I will not and cannot recommend this company at all.

Their website won't let me log in. When I called for assistance it took forever to reach a person. She asked me to download their app and I can't log in there either. In addition, I asked them to put a freeze on my account months ago and they never did.

Very dissapointed with Equifax. I have a monthly payment for their services, that I thought they were good, but I applied for a credit card here in Florida, removed first the lock and I didn't get an alert of the inquiry, I got the card, I activated and used it. And just today November 7 I got an Equifax alert that I have a new card since October 22. What kind of protection do they provide..??

Why is there even a credit system in this country? This Equifax LLC which means even if it's not correct they are not liable. I recently found out the address I resided at 15 years ago was still in their records as my current address. I gave them online a copy of my now lease. I have rented at over 5 different places in 3 different states since. None of these are on their report. Now I get a letter in the mail saying the information I uploaded didn't match their records. Of course no shirt that was the purpose because equifax information is not up to date. I'm now looking to move abroad because this company is hindering me from living my best quality of life

Why is there not a 0 rating? The worst of the worst! Please get your credit score elsewhere or get scammed by these thieves. My husband and I have called over 12 times and are told differently every time. Paid over 30.00 To get a free credit score. LOL. Still can’t get it unless we pay another approx. 30 within 1 week of already paying. Was told we need to be on the phone at the same time so I can get my husband's score so we did 3-way calling and they magically don’t accept 3-way calling. Any excuse to get more money. DO NOT USE This place!! NEVER!

Equifax has got to be the worst credit reporting agency. Horrible customer service, no sense of responsibility in removing incorrect information or reporting correct information. Why we allow a company outside of the US to handle sensitive information and hold us captive with credit scores is unbelievable.

Many mistakes and fraud on my account. It took very long to correct this. Over 4-5 months of constantly submitting dispute requests and they did not handle this in a timely manner. They should have relationship managers, that can take on this work and complete it within a couple days for their customers.

I am sadly disappointed after dealing with frustrating and unhelpful customer service at this company. After several calls on several days and having to hold on each time and then authenticate my ID card and my face, I still cannot get into my account which is the reason why I called in the first place. Instead of seeking solutions they're trying to blame my laptop for my not being able to get into my account. On my last call the representative promised that they would address the situation and follow up and call me back and of course no one did and I am done with the company.

Despite their poor communication, once they received the specific things they were looking for, they processed the dispute very quickly.

Holy hell this is horrible. The more up you get with supervisors, the ruder and more unhelpful the service. Somehow unable to provide tracking for a physical credit report, and unable to understand why customers are unable to login and access their credit report. Each person I spoke to offered me different information and solutions and told me their supervisor would tell me the same thing. Each time the supervisor presented me with completely different information which also didn't work. The top supervisor was the rudest of them all. Horrible, horrible, horrible.

What a nightmare. Trial for 4.99 is not worth it. They say you can cancel on their website but the cancellation button is greyed out so you have to call. 30 minutes, on hold multiple times, and I won't even know if it worked until the next billing cycle. The representative is in a crowded noisy room and the language barrier doesn't help.

The whole system that Equifax uses is flawed, someone can register a loan against your credit without Equifax knowing it's really valid. Equifax cannot do anything to remove the fake registration...what a bunch of idiots. Then they try and sell you the other stupid items they offer...stupid people!

Trying to unfreeze credit report -worst system and service!!! Online app says I have an account but when I try and reset the password it says I have no account. Call to unfreeze credit and I have to repeat all information multiple times!

I refuse to buy anything from companies who uses Equifax as credit. And I tell companies this when I refuse their product. Seems ridiculous when I'm 24 points away from excellent with transunion and barely a good rating with equifax. Equifax deleted all my good accts. I've had an R1 rating for 40 years and it all disappeared except a late payment and 1 derogatory item. All my good credit is gone. Except recent transactions. It took a long time for me to send my disputes to update equifax for recent transactions and then they deleted all my past, like I didn't exist. I refuse tl and boycott any companies that use equifax.

I have tried numerous times to cancel my service. Each time I call them (**) their site is down and cannot they cancel my service. They ask me to login to cancel, but I cannot login. I have attempted numerous password resets, but I still cannot access my account. This is a total SCAM. People please be careful. Do not trust this company. Not only have they had a major data breach in the past, but they will not let you cancel your service or help you to cancel. I believe an investigation into this company’s practices is warranted and possibly mother class action lawsuit is needed. Absolutely unacceptable way to run a business trusted with personal information.

I signed up for Equifax in April for a rental credit report and also added my wife. I cancelled both accounts over the phone in May and was told twice that no more charges would be made. Still, my wife was charged $36.70 the next month. When I called again, they admitted the error but refused a refund and didn’t let me speak to a manager. Terrible support, unclear policies, and no accountability. I will be escalating this to Consumer Protection Alberta and BBB. Very poor experience. Avoid!

They are not up to date with my address for three years. I have tried to correct it yet still old address. I pay my credit card off every month, and never carry a balance yet for 4 months they have it as only paying $550 off my balance which has been paid in full 3 times already.. No help with a complaint. That sunk my score 35 pts. and it's their fault. Someone should come up with, or do away with this way of doing credit as in my case and I am sure with others, one screw up on THEIR side and you pay the price.

This system is broken. Nobody speaks English. Zero management. Constantly deflect everything you say on the phone. They are unable to assist you. No matter how well you articulate your needs, they don't care!

Equifax Credit Monitoring has been a nightmare. I’ve been locked out of my account for over two months, and despite calling more than 20 times, I’ve gotten absolutely nowhere. Every single time, customer service gives me the same useless line: “It went to IT.” That’s it. No updates. No resolution. No accountability. Let’s be clear—this issue supposedly “went to IT” 20 calls ago. And yet, I still can’t access my account. Meanwhile, Equifax continues to charge me for a service I can’t use. No refund. No apology. Just a broken system and a customer service team that seems trained to deflect, not help. This isn’t just poor service—it’s disrespectful. Equifax is supposed to help protect my credit, but how can I trust a company that can’t even manage basic account access or communicate with its own IT department? Avoid this service at all costs. If you value your time, money, or sanity, look elsewhere.

I'm unable to view or manage my Equifax credit freeze online. When I login I get a message, "We are temporarily unable to retrieve the status of your security freeze. Please try again later." I've tried multiple times over the past week. I called customer service 4 days ago and they kicked the problem up to IT. Consumers can't speak to IT, but I was told I would get an email from them in a couple of days. Hasn't happened yet.