Equifax

I called Equifax in February and was told the credit monitoring would stop the following month and when I looked at my bank statement in May, it was still there. When I called, they said they could only credit for April and May because I was supposed to talk to someone in the dispute department in which I never spoke to anyone. They claimed that is why they will not refund for the month of March. I feel these people are crooks and trying to pocket my money.

Charging my account for information I cannot retrieve - I have tried to call and only get a voice system. I have tried to go on line and they claim, even after I have given them my full information, that I am not a customer of theirs. I tried to contact them on their 'contact us' email and asked them to stop drawing money out of my bank account since I am not a customer of theirs and they still are taking my money! How is this possible?

I was recently refused credit and the company used Equifax for its confirmation of my information. As it turns out, Equifax has erroneous info which led to my denial. I requested a report from Equifax, received it and on page 3 of the report is a confirmation # and a Toll Free number with which to call so I could speak with a customer service rep. When the number, 866-238-6559, is called from any phone any time, a recorded message states that: "the date of my credit file is older than 60 days." Impossible, as the file is dated April 25, 2012. Today's date is May 1, 2012. They direct me to the "Pay for a credit report and monitoring" service that one has to sign up for. There are no customer service reps, a fraud once again.

In March, I took Equifax up on their $1 trial. I canceled by phone within the required 7-day trial but was billed $16.95 in March. I called and cancelled again, but a $16.95 charge appears on my April credit card statement. Do not take their $1 trial. You can't get rid of them. Their offshore phone representatives are rude and don't even try to assist.

I have been on hold for over an hour. I chose to call in the evening around 8:30PM PST. They close at 3AM EST. I am still on hold and will have to hang up soon because I have to work tomorrow. I will try again in the morning. If I can't get through in the morning, then I am going to see where else I can go to get this service cancelled. I refuse to be held hostage like this!

Equifax is a truly terrible company. I tried to get their 30-day free trial for a credit report, but they failed to tell me that having filled out endless forms online, they would then need to ask dozens of questions on the phone to validate my identity further. They then left me on hold for 15 minutes before taking another half an hour to question me then ask me to send in a utility bill. None of which is mentioned in the 'get your free report instantly' ad. Then they hung up on me before I could ask where to send the report to! A dreadful, dreadful experience!

Do not purchase the Equifax trial offer unless you want to be charged monthly. It is nearly impossible to cancel! I called the next day after purchasing the report so that I would not forget to cancel and receive unexpected charges in 30 days. The CSR spoke terrible English but well enough that I could understand him as he asked for my SS#, my birth date, my father's middle name, my address, my phone number, my email address. I truly hated giving all of this information over the phone. You think Equifax, a company exposed to identity theft protection on a daily basis, would understand how adverse most people are to giving this kind of information to an unknown, even if I am the person who called them!

Anyway, it was impossible to cancel with this guy. He rambled on and on and I just gave up. I called again five days later, determined to cancel. Another CSR, who could not speak English well, asked all the same personal questions. So ridiculous! Finally, I got to a point where I started ignoring whatever reasons he was giving me for staying with them (extra free month, blah blah blah) and rambling myself about how insane it is that they ask all those personal questions. I ended each "ramble" with, "I'm going to cancel no matter what, so please just give me confirmation that my account is cancelled." I had to say this about three times before he finally gave in and very dejectedly gave me a cancellation number. Fifteen minutes later, I checked online and my account is cancelled! Thank God! Make sure you get a cancellation number from them so they can't dispute your cancelling the account! I hate Equifax and will never, ever buy anything from them again. Awful, awful, awful!

I ordered my annual credit reports online about one month ago. My reports from Experian and TransUnion came through with no problem. There was a problem getting my report from Equifax, I was told to send information to prove my identity and address. I sent a copy of my social, my pay stub and driver's license to annual credit report and I checked the box to receive my report from Equifax.

Today, I received a letter from Equifax saying that I already received a copy of my free credit report, which I did not. I called Equifax since they sent me the letter and the first person tried to sell me my free credit report, he finally transferred me and this person was very rude, and after asking me "how she can help me" she sung in my ear and would not respond to anything that I had to say. She laughed and sung. **. These are the people handling my credit information. I stayed on the line thinking that she would eventually have to help me, but after 10 minutes I finally hung up. I called back and was told my credit report was being ordered and will be to me in 7-10 days. I will see. This has been the longest hours of my life. I hope that someone at Equifax does their job and sends my credit report.

Equifax is reporting false information. I told them that I do not have two mortgages. Still, they refuse to remove one of them and correct the amount on the one that I do have.

What a ** headache dealing with these cretins. We were going for a refinance on our mortgage - I have a credit score of 815 and my husband 813. New laws require no comments on your credit report. We had one on our report which the creditor which we spent an hour with could not find and said they never made one, but there it was anyway. 20 calls to Equifax and they give you a menu with half a dozen choices and then the ** thing hangs up on you. Going online was no help either.

Finally, I called for a membership. Voila! Greedy s.o.b's can answer the phone fast enough then. I finally got transferred to the right place but could not understand the guy on the other end. I asked to be transferred to someone that spoke an accented English. I finally got one. He said he was putting in a complaint to remove the dispute comment. Two hours later, I had a confirmation number. Am I happy? No, I was told it may take up to 30 days for comment to be removed. Jerks, they screw up and regular hard working people bare the brunt.

I am in the process of purchasing a home. I was informed that a new guideline for purchasing a home requires that there are no dispute status remarks on any of your credit reports. I was told by my loan officer to contact the creditors directly, which I did, and they said that I needed to contact the credit reporting agencies directly. I wrote a letter asking for Equifax to remove any disputes on our credit reports. In turn, they initiated new disputes! I called and argued for 30 minutes with the first agent, who did not even understand English, before I finally got a supervisor on the phone. The supervisor could not do anything about the fact that someone from their business that reads the mail somehow did exactly the opposite of what was asked of them in writing.

They had wrong information on my credit file. After I made a dispute, they ignored it. The credit score difference is almost 150 with other two credit companies. Why they behave in a crazy way? I want to get rid of my all information which they had.

Stolen Identity and No Help from Equifax: I recently found out that someone stole my identity, and opened 5 accounts, totaling around $12,000 using my identity. I immediately reported this information to Equifax, along with placing fraud alerts on my report, disputing all of the accounts, completing an affidavit with the FTC, getting police reports, etc. I took every step that I was told to take in a case like this. After finding out that my entire tax refund was taken, due to a loan that I never opened, I broke down mentally. I made numerous calls to Equifax Dispute Department, product departments, and they literally transferred me to over fifteen different places, and still no help.

I am a member with Equifax, and have Identity Theft Insurance, that I was promised on several occasions. I am supposed to be reimbursed for lost wages from work, and fees that occurred as a result of the loans. As a victim who is already frustrated and mentally drained from the headache of collaborating all of this information and faxing to this place and that, they have absolutely no sympathy. My entire identity has been stolen from me, and my credit is ruined. My life has been taken from me and the one company that should be honoring their word in such a sensitive case refuses to properly handle my case. I explained to them numerous times that I am losing money because I cannot mentally perform the duties of my job under this burden of stress, but they have no care in the world. I have reported them to the FTC, and I suggest anyone who has been mistreated the same way should file a complaint as well.

Having to reestablish your credit and identity is a very difficult thing to do, and they have not made it easier for me at all. I will be having my lawyer file a lawsuit against Equifax, for direct violation of the FCRA. They have not handled my case as instructed, and I plan to put a stop to this pain and mental anguish they have added to me. Just today, I have made 11 phone calls to Equifax, along with the ID Theft Insurance Department 1866-IDHELP2. Not only have they been unsuccessful in helping me but they claim to have no knowledge of who can.

This is absolutely ridiculous, and a direct insult to me, as a victim of ID Theft, and the millions of others who pay for a membership, but do not reap the benefits of the service we are members of. Who do they think they are? You take my money from my account every month, but when I actually need to use your service, you shut the door in my face? Expect a lawsuit! No one deserves to be treated this way, especially while going through something this serious and heart-wrenching. For those whose lives have been turned upside down due to ID Theft, do not give up. We have rights, fight back!

I hired a lawyer to clear up old and bad credit on my credit report. Both Experian and Trans Union are completely cooperating with my lawyer. We cannot get Equifax to comply with anything! I have worked over 2 years to fix my credit, and Equifax just will not help in any way! They are keeping my family from purchasing our fist home and land. Most banks only work with your lowest score, and they are more than 150 points behind the others!

I am expecting my lawyer to kick ass on getting it back up there. Equifax, you have 30 days left. Get your junk together and work to help people's dreams come true, not to drag us into poverty!

Equifax are reporting that I have too many inquires. They are reporting inaccurate information to credit on my credit report. They said too many delinquent accounts. I looked at all three credit reports and they are lying. They are causing problems for me. All my bills have been paid off on time. I have very good accounts. I want to get rid of them.

I have tried to clear up charges on my credit report that does not belong to me and the credit company has done nothing about it. I have gone all the way to Detroit and none of these things come up with my SS# but some kind of way it is on my credit report. I have been denied credit for this. Just recently, I was denied housing because of an eviction in Detroit and I have never lived there. How about this one? I have always and only spelled my name the way it is on my birth certificate but the credit company tells me that I do use these names. The say part of it is that the credit company just gives me the runaround so this FACT Act, I think, is a joke!

I'm the victim of identity theft that took place 6 years ago. If you know anything about identity theft, you also know what a nightmare it is getting these types of information removed from your credit file. I've spent literally hundreds of hours on hold with Equifax in failed attempts to find resolution. I have a file that is well in excess of eight inches thick as a result of online disputes and "adjusted credit files". All to no avail. Equifax is, by far and without exaggeration, the most deplorable company I have ever had the displeasure of dealing with.

Here are just a few examples:

My identity thief used several erroneous addresses to obtain goods and services in my name. After the bogus accounts started to show up on my file, I responded with several online disputes resulting in a plethora of confirmation numbers, emails, and a stack of snail mail. However, this did me no good because the thief used my identifying information, which, by the way, is the only thing that will keep a bogus file connected to your name. Go figure. So, instead, I disputed the actual addresses he used as not mine. This worked for getting the addresses taken off my file. But the bogus accounts remained. I moved to dispute these accounts again, but when I called to do this (the online option kept kicking me out of the system), I was told that, "Because you've disputed the addresses, any credit accounts associated with those addresses are no longer accessible to you because you can't verify the address they are under"! What? Are you serious? Now, I don't even have the right to dispute information on my own file.

Here's another example. At the onset of all this--6 years ago--I placed a fraud alert on my file in a failed attempt to thwart any further identity theft. (You're going to love this). Because it's there, I can't apply for credit anywhere without getting turned down automatically. Sure, there's an option to add a statement where you can require any potential creditor to answer. Say, a security question or even call you on your cell phone, but creditors aren't allowed to tell you why you're not approved only that they will be sending you a letter in the mail stating that you are not approved and why. Great! I already know why.

So, I contact Equifax again and demand that my extended fraud alert be removed from my file. Now, they want documentation that I am you I say I am. So I send it in but because my identity documents don't match the same ones that the thief used, I'm denied! **? I call again and raise hell. They finally removed the alert and ask me if there's anything else that I need to dispute while I'm on the phone. Of course there is! There are all those bogus accounts I mentioned before. We, again, dispute each one as fraudulent (like it did any good in the first place). I get a copy of my file in the mail. Now, the fraud alert is not only still on there, but it's been renewed for another 7 years! Aargh!

I call again and I'm now told that each time I dispute any item as being fraudulent, a fraud alert is automatically placed on my account, stopping me from being able to even apply for something as simple as a cell phone. What a ** nightmare! I'd be better off buying some black market I.D., social security number, and credit cards in a completely different name and starting over from there! This has gotten so bad that I have to become an identity thief just to have a ** identity!

I recently received my credit bureau file from Equifax, and noticed a collection item from 2004, that was recently added as a new item, and re-dated from 2004, as the last date of activity of 2010. I called and talked to Diane from collections, and tried to explain to her that this was an old debt from 2004, and asked her to modify the date, and remove it from my file, as this was 8 years ago. She then told me I would have to contact my bankruptcy trustee, and have them deal with it. I informed her that I had been discharged since 2005, and they needed to confirm the last date of activity, and adjust the date accordingly.

She then became rude and hung up on me. On Feb. 27, I talked to Diane's supervisor, whose name is Annie **, and explained what I needed her to do. She asked me if I was getting another payday loan, and if that's how I found this on my credit file. I explained to her that I had ordered a copy of my report, and that she needed to confirm the last date of activity on that account. She then told me that they received thousands of files from the cash store, and didn't have time to confirm everyone's information, and said I needed to call them myself.

She was rude from the beginning of our conversation, and had no interest in solving the problem, or confirming the information. When I asked if it was normal to put things that weren't confirmed onto one's credit report, she hung up on me.

Equifax - Faulty Address- I called Equifax and notified them that there is an address listed in my "past residency" information that is fault. It is located in a state that I've never before visited. I called to inquire if this faulty address is related to the fact that the credit score they are displaying for me is about 80 points lower than the other two reports. It seemed too much of a coincidence, although it's a possibility that the faulty address may have just been mistyped or accidentally included. However, there is also the potential that this may be an identify theft case.

I was continuously told by the same personnel that the faulty address does not exist in their system. However, when I attempted to request for a free report at annualcreditreport.com, one of the security questions displayed the faulty address. Equifax denied that such an address exists in their records despite the fact that I'd referred to two different credit report websites that had this address listed.

Regardless of truth, regardless of documentation and regardless of sheer impossibility, Equifax has continued to report completely false information on my Credit Report. I have spent the last 3 years dedicating my time and resources to simply get this sorted out. I have no debt, whatsoever. All my accounts are PIF for over two years, with 0 balances and closed accounts. These same accounts are 120 late, right now. At $1,000 error (all documented), Equifax is looking down $1,000,000.00 lawsuit before damages. I have been turned down for everything. I paid cash for my car, enough for a down payment on a home.

They are deplorable. Last year, I had to pay an attorney $15,000 to get a false $52,000 tax lien removed from my report. A week later, they started adding other lies. It is not fraud. It is Equifax, period.

Equifax had misspelled my name. I opened a dispute and provided them with the information they needed (drivers license, etc.) to correct the name. Even after sending them all the information they asked for, I keep getting a rote email asking me for this same information every week. Finally, after 2 months, they send me a mail saying that the investigation is complete and that I can view the results on their website. However, when I go to their website, I go through the process of entering a ton of personal information and at the end I get a screen saying that there are no pending investigations. Where the heck are the "results" of the investigation? Maybe they expect me to pay to retrieve the credit report? Just because they are an oligopoly doesn't give them the right to provide such sloppy service. I would never willingly do business with them again!

My son's mortgage was showing up on Equifax and Experian. We called Experian and they saw right away it was not my husband's social security number and removed all in a day. Transunion did not have it on my report. When I contacted Equifax, they said they don't see socials and can't fix it without sending a request to creditor. Now, I get a letter in the mail with no phone number to call saying they are unable to locate a credit file and want us to mail copies of social security and driver's license. How can they not locate a file when I have a copy of it? I am not comfortable sending social security number and driver's license in the mail. Help. How do I continue from here?

I called to cancel my account before the free trial ended. I spent half an hour on the phone with a lady who barely spoke English and could not understand me. She tried to sell me more products. I told her I simply wanted to cancel and not pay for anything. She told me she had cancelled my account. Now, I have received an email from them with information. Six days later, I logged on to find my account still active and I have been charged for the service. I called to complain and was told there is no record of my cancellation phone call. There is no manager available and I will have to raise an online dispute.

Our consumer proposal is paid in full and the 3 years was up at the end of January. We need to buy a car and need a good credit rating. We called Equifax and were told the "public record" had been removed but the individual creditor reports with R7 ratings were still on our credit record. My husband and I asked to have them removed and were told it would take 3 to 5 days. It still hasn't happened. But we have spent hours on the phone with agents in their call center and they have told us they need documentation, which we faxed to them at the number we were given. They have not received the documentation. Oh yes, they found it, no they haven't got it, etc.

They would put in a request to expedite the removal of the R7s but the request was never made. They would make the request now, it will take 3 to 5 business days, again and so on. There's misinformation; agents who don't know what they are talking about and promises to do something that were never kept. It's impossible to really convey all that happened. Meanwhile, we can't get this information off our credit report and we are being held captive while this company fools around and messes up.

Why can a company that handles such sensitive material get away with doing this sort of thing? Is there no government watchdog? Help!

Trying to find out about a charge on credit. First rep said she could not help because she could not find information without account number. I explained I had the amount and name on account. She asked what was the problem. I explained again this was not my charge. She said, "Why are you calling if you don't have all information?" I explained this was all the bank gave me because it was all they could see. Also, I ask her how could I get more information. She said I don't know but I can't help you. I was trying to ask her another question and she said to call back before I could get entire question out. Then I asked for supervisor and she refused 4 times. I ask for the 5th time and she put me on hold for 5 minutes. The other person was also rude but once I told her to just give me the complaint email address, she finally said she don't see a charge for that amount and would send me out a credit report. This is insane and something needs to be done about it.

Equifax's Identity Theft premiere package was purchased so that my wife and I had $1,000,000 in identity theft insurance. We have no idea as to the terms and/or limitations of this insurance and could not find anything online. We called Equifax's Customer Service number three (3) times and could not speak with anyone who speak English clearly. We agreed to take their telephone survey, but it never came on for us to take. The biggest problem: If someone does compromise our bank accounts or credit cards, etc., who do we call to get our insurance? Certainly not the non-English speaking people we tried to speak with at their Customer Service Department.

I disputed an incorrect item on my Experian report over 3 months ago. I was told all of the other agencies would follow suit, not Equifax. I have attempted to dispute the item on their website 6 times, but each time I try to submit it, I get a system temporarily unavailable message and they are sorry for the inconvenience. It has a link to email the info, which I have done 4 times. Still no response. I called them and I am getting nowhere. The guy told me I need a 10-digit number, which you'll get if you file a dispute. I don't have this because it won't accept my dispute! I then tried to just cancel my account as I am getting nowhere with this company and they don't feel the need to help me. They only care about getting my money, not about making sure their information is accurate.

The guy on the phone refused to cancel my account so I told him I would be disputing the charge on my credit card if I am charged for another month. I just tried to log in and they cancelled it, but not when my month expires. They have locked me out of it now and kept my monthly fee. I guess they think they can do whatever they want and who is going to do anything about it? What agency do I contact to file a formal complaint about them and let it be known that they refuse to help consumers when the information they are reporting is wrong and they wont attempt to fix it? I am trying to get a mortgage and their misinformation is preventing me from doing that.

I too had trouble obtaining my free credit report being routed from annualcreditreport to Equifax. I finally found this link, and it provided my report for free. It might depend on your state, not sure. Hope this helps someone else.

On December 27th 2011, I requested my free annual credit report through the Annual Credit Report toll free number we all get directed to.

End of January and it hasn't shown up. I tried to call Equifax, but you can't. Every phone number I located would disconnect if you pressed "0" or asked you for the confirmation number on your credit report. Which I don't have. Because I didn't receive one. What to do? Maybe the original request never went through that stupid phone line. I requested it again and I did get a letter from Equifax: Informing me that I had already requested a report and it "has been sent to you within the last 12 months."

But, but, but... I didn't receive it! Sigh. The letter goes on to inform me that I can pay for an additional copy. This has never happened with Equifax before. But I'll be d*amned if I'm going to pay for an "additional copy" of something I didn't receive to begin with. Anyone know a good number to call? One that doesn't connect to a computer controlled robot? Perhaps this is an attempt to raise revenue by rigging the system to get people to pay for something that is supposed to be free.

I just got my free annual report from Equifax. I disputed an inquiry made by GEMB (GE Mortgage Bank, I presume) that I didn't authorize but is shown as being authorized by me. I have never had any contact with GEMB in my life and made no applications for credit any time within months of the reported inquiry. When I have disputed items like this with Experian, they have contacted the creditor and in every case, have thoroughly researched the dispute and either fixed the item on the report or given me a reasonable explanation of why the item is on the report - every time!

In this case, Equifax simply reported back that factually, this is the way the item was reported to them. They didn't even bother to contact the creditor and told me that I have to contact the creditor myself if I want to investigate this inquiry. Why should I have to investigate something that is an obvious screw up between Equifax and the creditor, who I've never had any dealings with? That's the job of Equifax, just like what Experian has always done. Equifax is obviously only in business for the creditors with no interest in the consumer at all. Totally worthless service for us consumers!

I have tried to get my credit report from Equifax online as well as sending in a letter. Every time I try to get my report I can't get it not unless I go through Equifax monitoring site and I have to pay every time. That is the only way I can see my report! I had this problem sometime back in 2000 and I filed a complaint with you because they wouldn't release my credit report.

When I finally seen it there was so many mistakes on it I could not believe it. They had about 7 different Sharon ** on my report and none was me. I sent in a copy of my social plus ID to correct my credit report and your company sent me a letter saying I can file action against the company. I did not want to do it at that time because I felt that I should let them correct the problem and they did, but now I am going through this again and it is unfair to me. I want to make sure my credit report is accurate. If you can please resolve this matter, I will appreciate it.

My score was at 620. I paid off 5 things on my credit report. My score never changed. I notice it was saying that I still owe a car payment over 3,000 dollars that was paid off in 2011, something from Lane Bryant 731 dollars, that it was not mine. Then on Jan. 27, 2012, I notice new account was opened up saying I owe 198 dollars. This put my score at 584. I told them that was paid off. Now, today, Jan. 30, 2012, 198 dollars was taken off, but my score is the same. It is telling them my mortgage is hurting my score. I don't have a mortgage; it always said 0 on equifax. They're saying I have insufficient credit on my report because they took everything off, insufficient information about revolving accounts, that because they took it off, because it was paid off long time ago or it was not mine. Can someone please help me?

I have had a fraud alert on my credit for some time now. I have never had a problem opening up lines of credit in the past. I applied for a credit card recently and called to check on the status. I was told that there was no telephone number on file to verify my identity and that I had to call Equifax to straighten it out. The lady at Equifax wants me to fill out all this paperwork and fax them copies of my SSN, driver's license and copies of two current bills and sign a form letter asking to add my telephone number. After speaking to 7 managers and throwing a raging fit, they finally added my number on the phone. Not a good way to do business and they should be ashamed. Somehow their system dumped my telephone number so I wound up suffering and losing my ability to get free bags checked in with United Chase Visa because it wasn't approved on time.

Apparently, Equifax does not remove all Chapter 13's after 7 years! There are stipulations. And if you do not meet them, Equifax will remove the Chapter 13 after 10 years. Who knew? I guess I should've filed a Chapter 7 and not pay any of the creditors back if I knew I would receive the same penalty. Transunion & Experian have removed the Chapter 13, but "good old" Equifax is going to penalize me for another 3 years. I do not think Equifax should be allowed to make up its own rules. There really should be some laws that govern consistency between all 3 credit companies.

I see so many complaints about Equifax that it's sickening. By far, Equifax is the worst of the big three. The biggest problem that I see is there is too much complaining by consumers. You have the right to sue Equifax or any credit reporting agency. The fact that so few consumers are suing provides a big incentive for Equifax to continue with their profit schemes. Tips:

1. Download the text of the FCRA "Fair Credit Reporting Act" and become familiar with it.

2. Dispute inaccuracies in your credit report. Keep a record of any correspondence that you send. If you file a dispute online, record the dispute using screen recording software like CamStudio so they can't later say that you never filed a dispute. If you dispute by mail, do so using certified mail, return receipt requested. When you dispute, the CRA has 30-45 days to complete the investigation. When done, they must provide with a notification of the results and if something changed, they must also provide you an updated copy of your credit report showing those changes. If you receive a notice saying an item was updated or deleted but you don't get an updated credit report, the items probably weren't deleted. Ask for a corrected credit file.

If they don't provide one, purchase one from them to see if the items were deleted. At this point, you have a case if any of the following happened: You did not get dispute results within 30 days (max 45); they did not complete an investigation of your dispute at all; they provided results of a change without a copy of a corrected credit file; they provided a copy of a corrected credit file but the items they claimed to have been corrected have not changed or an item that was supposedly deleted is still there; they reinserted an item that was deleted and didn't notify you of the reinsertion.

3. If the CRA fails to correct wrong information, you have a right to sue. Learn how to put a basic complaint together and how to have a complaint and summons served. The CRA must answer (usually within 30 days). If they do not, ask the court to enter default judgment against them. You are entitled to statutory damages of $100-$1000 for each negligent violation (if it caused actual damages) or for each willful violation regardless of any actual damages. You're also entitled to costs of the suit. Note: There's a good chance the CRA will remove a case to Federal Court if it appears you have a case and you refuse to accept a small settlement (assuming they contact you and make an offer). Rules are similar between state and federal court, but federal is a little more formal. However, if you are not represented by an attorney, you won't be expected to draft legal documents just like an attorney would do.

4. If you are completely lost when it comes to drafting complaints and how the legal system work, search the internet for samples of complaints, etc. If you want some in-depth training, I'd recommend a course from jurisdictionary.com which goes for around $250. It was developed by an attorney who apparently became sick of the corrupt judicial system (the judges). Remember: Judges are not gods and attorneys aren't the smartest people on the planet. They possess knowledge of legal procedures and they know most of us do not. To have some leverage, you should get somewhat familiar with the law and the rules of legal procedure. This information is publicly available.

If more people don't stand up and fight against companies like Equifax, HSBC and companies like them, they will never be deterred.

0 stars... I signed up for the intro of $4.95 for the first month. I called 2 weeks later to cancel. I was transferred to an offshore call center. The woman had such a heavy accent that I could barely understand her. She kept going on about the product, and she convinced me to stay on for a reduced rate. She asked for my card info and said she needed to confirm and said my new billing date would be January 29. Then she said, "Okay mam, I just charged your card for the $12.95 and your new billing date will be February 13." I said, "Why did you charge my card?"

I said that I already paid for the entire month. I asked her to reverse the charge, and she put me on hold and never came back to the call. I called back, and I went through the same thing. The man on the line kept reading a script and kept trying to keep me from canceling. i just kept saying "Cancel my service." Finally, he did and seemed very annoyed. I think they get penalized if someone cancels. Bad, bad business practices. I now have to call back once the charge comes through and try to get it refunded. I will never do business with them again!

I believe Equifax is engaged in a complex form of extortion, where they hold the creditworthiness of consumers hostage while making millions on monitoring tools and programs designed to help "improve" the score over which they have complete control. There is no way this is not a conflict of interest.

Here is my recent personal experience:

I pay Equifax Complete Premier Plan $20 every month. I closely monitor my credit in hopes of buying a house one day. I make over six figures, and have plenty of savings. I have very little debt. My credit score is 577 today.

One of the items I corrected on my report was a car loan on my credit showing 'Skipped, balance owed, charged off'. It is important to note that I never missed a payment, and this account was paid in full. So I called the leasing company and they corrected it to 'Pays as Agrees, Zero Balance'. Please keep in mind, I pulled my credit through Equifax the day before the information was updated, and my credit score was 586. There were no other changes to my credit, and when the auto lease company changed my account status to "Paid as Agrees, Zero Balance" my score immediately went down by 9 points. My conclusion is that Equifax is a scam, and they are basically extortionists. They provide no benefit to humanity, and the sum of their business model is to randomly push numbers around and occasionally obfuscate changes to credit to make sure people can't figure out their computation process.

I am still unable to get a home mortgage after several years of trying to improve my credit score. Lenders were lending at 580 back when I had 560. Now they are lending at 600 when I am at 580. I can't win. I have young children growing up in apartments when their friends live in gorgeous houses that their parents can't afford and I can. *** Equifax.

0 stars. Ignorance isn't bliss when it comes to their operators. My first cc in 2000 closed in 2001. 12 years ago. Removed from everywhere including Equifax site. Yet it still shows on Equifax when pulled up from a third party. I can't dispute it on their site and their ignorant operator says I have to contact the company and get a letter that it was closed in 2001. Are you **? It shows that right in front of you! I have it right here from freecreditreport.com. Same ** thing and the ** sounds like she's on drugs and just cant process that. My God, I hate people.

Equifax is the most difficult company to work with. When you call a number in Atlanta and you happen to get through, they quickly transfer you overseas to people that can only read a script. No matter what you say to them, you get the same answer back. I admit that I had some problems in the past but have taken great steps to improve my score so my wife and I can build a house.

So now the problems, I have a report from Club Wyndham showing a year's worth of timely payments. I wanted it included in my credit file but Equifax says that since club Wyndham doesn't pay them a membership fee, they won't add it to my file. Where is the fairness in that? I have a good report but it comes down to the mighty dollar. It just shows that they don't care about the human side. My other problem is that I am struggling for every point and today when I checked my report (which I do often), I noticed they dropped me two points. Nothing else has changed. It's like they just drop it on a whim. Of course, calling them just gets you another overseas agent named "Jacob" or "Mary" that do nothing for you.

First, let me say the one star rating is only because not selecting any stars is not a valid choice when filing these reports.

I initially contacted Equifax on 12/30/2011 to check the status of a dispute I had filed for correction on my credit report. Upon informing me of the current status, the representative immediately began his sales script for Equifax Complete Advantage monitoring service. We discussed this in detail and I told him that I had been dissatisfied with my current monitoring company since they changed their policy on updating of all 3 credit scores from once per month included with the $14.95 per month to now charging $9.95 additional each time you desire to update all 3 scores.

The representative assured me that this would be included in the plan, he was telling me about for $16.95 per month. He took my credit card information and personal information and gave me a log-in name and the Equifax Solutions Phone Number that he stated to be 24/7 assistance. I asked about a password and the log-in link, to which he answered that he was sending an email with that included.

I checked later that day and no email so I attempted on 12/30 and 12/31 to call the provided 24/7 phone line and never got beyond the automated call forwarding selection.

Finally today, 1/2/2012, I got a human on the phone and after going through the verification process (in which I was told that my favorite sports team answer was wrong, go figure, I have been a huge U of A Crimson Tide fan since as far back as I can remember, maybe 1970). This rep was able to get my account information emailed to me. Found out the rep that sold this service to me had entered the email address almost backwards.

While waiting for the confirmation email, the representative was talking apparently from script about the details of this service and I found out that I would not be able to update all 3 credit scores unless I wanted to pay $3 more. We discussed this for several minutes, before I requested to speak with a supervisor. I was placed on hold for over 30 minutes, meanwhile, I logged into their site finally and found that when I selected to update all 3, I was given a click to accept box to be billed $29.95 for this update.

After over 30 minutes on hold I felt that I had simply been place on "perma-hold" and not transferred, so I hung up and called back.

Once again, I was on the phone with another representative this time to cancel their services and request a refund due to being sold something under false pretenses. Once again, I had to deal with script, and being told that with this package I could receive a free copy of all 3 credit reports and scores once per year. What a joke, everyone is entitled to a free copy once a year without ever using any of these credit monitoring services. I told the rep that in fact I could get a free report once per year with-out giving them roughly $200. She attempted to tell me that consumers cannot get free copies of their credit reports. After having to get rude and interrupt her scripting, I convinced her that I did indeed desire to cancel.

Then I got more script that since I had paid for services, I should take advantage of it for the remainder of the month. After telling her that I did not want their services as they were not what I had been sold and if she could not or would not refund my money I desired to speak with a supervisor. I finally got her to cancel (hopefully) and to refund (hopefully) my money. I should know within 7-10 business days as she put it. I will know before the end of the week because I will go to my bank and have this taken care of.

I personally think it is garbage that a company that holds the consumers credit scores in their hands are allowed to operate in such a despicable manner. There should be a way that the Credit Reporting Bureaus have their creditability ratings reduced. Equifax is the worst of the 3, I have had to file disputes on numerous items due to having been a victim of identity theft, Transunion and Experian both have handled these disputes efficiently, however it is almost always an uphill battle with Equifax.

One such item I have been disputing since 2006 was a judgement where my ex-wife forged my name on a contract. The judgement originally was ruled against her and me in small claims court and was appealed in the local circuit court, which ruled her solely responsible. When she finally paid this of in 2007, Transuion and Experian updated them as satisfied (apparently, if you ever have a judgement, even if it is over-turned they don't take it off). Since that time, I have been disputing and requesting this be updated with Equifax, now finally 5 years later it is updated to paid.

What a joke, Equifax. They just sent me this email: "This e-mail confirms your cancellation of your Equifax ID Patrol service." When I called, the service is horrible. Truly, it can't be worse than talking to a tree. They don't listen nor understand what you're talking about. The service is so bad. It took 35 minutes to get someone to agree to cancel the service. I will never do business with this company again.

I called on 9/22/11, 11/7/11, and 12/14/11 to cancel this product. They still keep charging my credit card! Their systems are a mess, and I've spent hours on the phone with them to get this fixed, but they still keep charging me. How can they detect fraud, when they can't even get their own systems to work? I've lost time from work, and have been stressed in trying to get this done.

I have disputed numerous accounts as to incorrect, not mine, and Equifax is just allowing the collection company to verify my name, SS number, and address and whatever amount the collection company says I owe. The original company removed the accounts as they can't verify the accounts, so why does Equifax allow collection companies to continue to report false unverified accounts on people's credit reports?

One account that is false dropped my score 37 points. The collection company also pulled hard copy of my credit 3 times in 1 week, which further dropped my score. It is completely unfair that collection companies can do this to people. I can go to public data.com and get anyone information, SS number, DOB, etc., and claim an amount owed to me and can ruin people. No wonder, identity theft is such a thriving business. I also recently found out as this collection company did go to court house and got all my personal information. It was handed right over to them, my full name, DOB, address, DL number, SS number, everything. The court house hands all our private information to anyone who requests copies of files that have been previously filed.

If there were a no-star rating, they would get it. I have been trying since November 28, 2011 to get a fraud alert taken off my credit file. The alert was initially recorded by Transunion but upon the transfer of information, Equifax did not pick up the contact phone number (mine). I sent a fax on 11/28/2011 to the fraud department to get the alert removed. They received my documentation on 11/30/2011, scanned it to my file but did nothing to remove the alert. I called in this morning to the fraud department and was on hold for 45 minutes waiting to talk to a live person. As expected, he, Michael, could not take the alert off but had to forward a request to the Maintenance Department. We are trying to buy a motor home and the loan has been denied due to the contact number not being recorded on the fraud alert which was supposed to be removed on or about 11/28/2011. Due to their non-action, the past several weeks have been a nightmare.

On 11/30, I contacted Scana Energy to transfer my existing gas service to my new residence. I was told by customer service that I had a balance of $46.00 and would need to pay a security deposit of $150.00. When the customer service attempted to process my order, an Equifax fraud protection alert came up and I was asked to answer four questions. I'm not sure what the questions were in regards to but I failed and I was asked to contact Equifax. After reaching Equifax and being asked a few ridiculous and vague questions, such as, "In the past 10 years, have you defaulted on any bill that would result in a creditor reporting you to Equifax? I was told I could not be verified and would need to submit additional information to update my file. I was directed to fax my documents to **** which I did on 12/1. I was told to allow 3 to 4 days to have my file updated and that it would be an additional 3 days before Scana could see the updates and validate my information.

When I contacted Equifax on 12/9 to confirm the information updates to my file, I was told by a person in the Fraud Department that my file was not updated and that I should re-fax my documents again! I was also told that Equifax Fraud Department could not contact their internal fax department and that there was no other option to get my information into the system and that I'd again need to wait 3 to 4 days to have my file updated and an additional 3 days before Scana could access my information. After waiting on hold for 1.5 hours, I was told by Customer Service a Manager had been made aware of my request to speak with him/her however, my call wait time would be substantial.

I cannot sign in, I can never sign in! I am tired of trying! If you cannot make it simple, please cancel everything. Thank you.

The worst service I have ever experience. I tried to put an alert on my credit card because of fraud but the offshore representative has no clue about Canada and as an added bonus hung up on me. Seriously is it worth to get cheap labor for no protection.

Although the credit alert product almost works too good, online password help is worthless. Their online help panel does not work for me. I've complained twice and no response. I've had to ask for password resetting help twice and each time got a worthless offshore help desk that couldn't send an email or tell me the wrong new password. Each time, I've had to demand to talk to an American (Federal Mandate when doing business based in America) after first being refused. They obviously don't care about customer concerns. I am going to try again in a month and if the panel doesn't work or I get the same worthless offshore help desk, I will switch to another credit reporting service.

Equifax has confused my credit history with a person with the same name. This has been going on for over 5 years and every time I get it straightened out, they mix it up again.

Equifax is currently reporting a fraudulent Capital One auto loan in my credit file. I have provided this company with a copy of the police report in which the account was established fraudulently; however, Equifax continues to report this fraudulent account in my credit file.

This derogatory information has caused me to be denied credit, insurance and employment.

Equifax keeps charging me for a service I cancelled before the free trial ended. I have repeatedly called them, and sent them what they asked for and still they will not refund my money and stop charging my account.

I have a permanent medical disability and on credit counseling because of it. I was told by Equifax and confirmed by TransUnion that after my program is paid in full, I will be punished and penalized another two years. I totally disagree with this. Further, Equifax informed me that they just transcribe the credit rating and it is up to the creditors to deal with this problem. Equifax and TransUnion place everyone in one box. If you have a valid reason and pay off your debt, I should not have to suffer a further two years of humiliation.

This situation is really frustrating. I have a twin brother and we have been sending in information for years. Our social security number are about the same, except one number. They are continuing to put his item on my credit. I have gone to Big Car a lot and tried to get a car but they won't approve me because my brother's cars are on my credit and they are not putting on his. They got his house on mine and not his.

I have begged and asked to please correct this situation because this is very tiresome and further action has got to be taken. The credit bureaus never call and I always have to send in letters and can never talk. I am so tired of this.

My brother just got two new vehicles. I only have one car there and the other was totally paid off.

This is very sad. Credit bureaus are not good and I can't explain myself like I would like to. This is not fair. I really think that something can be done and further action has to be taken.

I cannot get anyone on the phone to dispute an item at Equifax. TransUnion and Experian updated/amended my credit scores a year ago to reflect the deletion of the adverse/incorrect information and my scores with them are 809 and 807. Equifax refused to accept my dispute paperwork. I cannot reach anyone at Equifax.

Equifax's "Identity Verification" leave you potentially open to the identity theft, it purports to protect you from.

Apparently, Equifax has placed some sort of "identity verification" system supposedly to protect you from identity theft, yet I believe that very same system leaves its subjects more vulnerable to identity theft. The reason I believe this is that the questions asked involved third party family members, even though the standing of the relationship between those family members has not been determined.

Many incidences of identity theft are committed by family members, so why in heaven's name would an "identity verification" involve third party family members outside of the account? A proper "identity verification" should only involve the parties involved in the account and no third parties!

We filed bankruptcy and had all of our debts included in the bankruptcy. All of our debts showed a zero balance and included in bankruptcy status or were simply deleted. But this one creditor, Zenith Acquisition, still shows a credit card debt from 2008. Our bankruptcy was filed in 2011, so we disputed it with Equifax. We sent proof that the debt is included in bankruptcy and after 3 disputes, it still says we owe this debt. They (Equifax) keep reporting that the creditor confirmed the debt is being reported accurately. I sent them proof. The Federal Bankruptcy law requires them to report it as included in bankruptcy and as zero balance. They still keep reporting it. Also, the contact information of this creditor that shows on the credit report is not valid, the number is disconnected. I googled them and called them. They said they don't have this debt anymore. I said, "well then, report it to my credit as such". They said, "we can't report anything, we don't have this account". I said, "well, tell that to Equifax". This is a nightmare.

I was told today by Equifax that "paying down your account balances can sometimes decrease your credit score". Apparently, I am confused. I was always made to believe that if you pay your bills on time and at least the minimum payment, you would increase your credit score. With Equifax that is not necessarily the case when they "score" credit files. I called Equifax and after 1:36 min (when we got disconnected), I finally spoke to a supervisor.

This does not seem fair. Yet, they have no explanation other than to say there is nothing they can do to change the score.

Equifax, now Epsilon Targeting, gave medical information on me to Acurian, a company who solicits humans as guinea pigs to try new drugs on. How they got ahold of my medical records is beyond me, and I believe not legal.

I was sent a letter by Acurian asking if I would participate in a drug study, stating I could receive money if I did. I called Acurian's customer service 3 times, who promised to have someone call me back each time. That never happened.

Finally, I received a letter that they received the information (medical) from Epison Targeting, which I see is part of Equifax.

This company is impossible to get a hold of. They have erroneous information on my report and I am having a difficult time just getting my report to reflect the truth. I think they need to be investigated as they have far too much power of the average American's life and livelihood.

Also, their site takes you all over the internet and tries to trick you into signing up for products from other sites posing as Equifax. This should be illegal.

The third party company that solicits people to subscribe to Equifax credit monitoring appears to have been compromised. I was a longtime customer of the company until earlier this year. I recently noticed a charge on my credit card for Equifax. Knowing I had canceled their service, I immediately called to find out what was going on. I was advised that someone had obtained my credit card number and obtained credit information on three different occasions. I was advised the credit information was not mine, but someone else, but my credit card and old Equifax account was used to obtain it. The company agreed to refund my three charges of $14.99, but would not tell me who used my card. They stated I needed a police report and they would provide me or the investigator with the information.

So after canceling my card and placing a credit alert at all three bureaus, I obtained a police report. I notified the company that I had the report and requested an address to send it to. It was at that time I was informed they needed a subpoena to release the information. I was floored. I asked the supervisor I was speaking with, "you are telling me that I need a subpoena to get the name and information for the criminal who stole my credit card number and used my closed Equifax account to steal credit information on someone else?". Her reply was yes. I couldn't believe it. A company who boast how they protect you from criminal activity and yet they are protecting a criminal over a true victim.

Of course, that's when I was informed by the supervisor that they were not Equifax, but a third party company who did the sales. After getting nowhere and becoming more frustrated, I hung up and I'm getting the subpoena they need. On a side note, as I was bitching about the experience, a co-worker informed me that he also had a charge from Equifax which was not authorized and is also pursuing the issue. During my two-day conversation with the company, I learned that I am not the only one. Evidently, according to them, this has happened to many, many people. And of course, they were all required to jump through the hoops to protect themselves. It's bad enough that one must go through the hassle of canceling credit cards, putting alerts on your credit and spending extra time ensuring you don't lose everything you have to have the very company who is "bragging" how they protect you from criminals subject you to more hassle is ridiculous. By the way, I found it funny that when I asked them what they were going to do to ensure my credit was safe and no further damage could occur, they offered to sell me a credit monitoring package (at full price).

I was applying for a mortgage refinance. Equifax showed two old credit accounts (Regions Mortgage and Dell finance), which had been successfully closed in good standing (no credit balances, outstanding or missed payments and et cetera) by me in 2003, but Equifax showed it as being in dispute. They said the other credit reporting companies (Experian and TransUnion) showed the same. I pulled both companies' reports; they did not show any disputed accounts, and showed that both accounts (referenced above) as closed in good standing. I called Regions and Dell, and both verified I had no outstanding problem. Both companies said they would notify Equifax to remove the "disputed" label.

I have been on hold for 10 minutes. The Asian sounding girl would not let me speak to her supervisor and she won't give me her ID number. She won't help me with the issue I have that someone other than myself ran a credit report on me and my spouse for student loans through Chase bank. The girl told me that I'm not able to answer her questions fully. I am disabled and on medications.

I had similar poor experience trying to get free credit reports from both Equifax and Trans Union. Since I got there through the Federal Trade Commission's website, I thought I could jump through all of the **, but not really.

Before I got to the final stage to see the credit reports, they provided me the report numbers and said that I should copy down the numbers. But when I tried to print that out, they logged me out. Then I tried to log back into my accounts and realized the report numbers were pretty much useless. All they asked me was to input my user names and passwords, which I never established one. At that point, all I had was the useless report numbers.

I called Equifax. After spending 30 minutes to verify my identity and had to listen to the sales pitch of paying X amount of dollar to have my credit monitored or paying X amount of dollar to get my score, plus another 10 minutes of navigation on the site, I finally got it printed. According to the law, we are entitled to get a free copy of credit report. The credit bureau companies should make the process reasonable to customers, not making the customers to have to jump through hoops. Yes. At the end, it was free for me, but I paid for that with my time.

Transunion, Expirian, and Equifax, even though I paid my debts in full more than 120 days ago, they are not showing clearly that I did. I am not asking to erase or delete the history. I am just asking for them to be totally clear that I paid already! The 3 entities are worse than the real problem. They are not clear at all about how one is paying!

I went to Equafax for free credit score and somehow ended up on Score Sence web site. I was charged 29.00 dollars having been deliberately lead to the site. I contacted Direct Express and was told that the only thing I could do was cancel my card and apply for another. After, the Direct Express agent told me exactly what transpired.

I do not have a physical address for this company, only the phone number on my bank statement. I am being charged a $14.95 fee by Equifax for their services that I have not authorized. I called and gave them my information to dispute this claim and they said that they have no record of this transaction. I am very confused so they asked me to fax them a copy of my bank statement showing them these charges.

My question is, how do I know if this is a scam? I cannot send them any more of my personal information. So now, I guess I am going to have to eat these charges and cancl my bank cards today, so they cannot charge me anymore. I would like to get my money back and get to the bottom of this matter. I feel taken advantage of and I feel very disgusted.

When I called and talked to the operator for this company, I asked him where he was located and he said India. Wow! I am in Texas. Maybe I would have felt a little better if I had gotten to talk to someone closer to home. I am just puzzled at how I am being charged and they have no record. Well, someone is collecting and it is not me, and they have provided no service for me.

Sincerely frustrated victim,

Jennifer

I lost my security freeze pin. I have provided 3 times a written request via registered mail, all the documentation they request to get the pin and/or a replacement pin, to no avail.

And, Equifax doesn't provide a telephone number online to contact a live representative for help. I finally got a telephone number and I had 3 dropped calls from them. Each time, I had to wait 35 minutes for each call.

I was dealing with the three top reporting agencies. The 1st time was last month. On June 2, Equifax reported my credit score from 756 last month to 616. And they indicated they could help me build or repair my credit report. Since when does a reporting agency have the ability or the promise of repairing ones credit report? Not to mention, the 7.95 1 time report turned into 3 quantities. The 24.99 charge was debited from my checking account.

Equifax started to charge me $6.95 every month after I bought a credit report for a one-off fee of $5.49.

I never intended to purchase anything like that and I was not clearly made aware of the fact that I subscribed to anything like that. I understand English, I can read and I know how to navigate the Internet, surely many other consumers will fall in the trap. I called up but they refused to refund the money.

DGM Financial Group, Inc. of Miami, Florida collected $100 from me, to settle two accounts, on behalf of Florida Phone Service, 8/24/2007. Equifax deleted the information from my credit report on 8/31/2007. Florida Phone Service went out of business in its entirety on 11/21/2007. I checked my credit report in 7/2010, and found DGM Financial Group, Inc. filed one of the very same debts I paid in 2007 on my report in 6/2010. They claimed the date of 1st delinquency was 2/2010, and Florida Phone Service assigned the account to them 4/2010. I disputed the claim for several months, because they refused to delete it from my report. Finally, I actually heard from DGM's, so-called Peter **, for the first time, in a letter dated 10/15/2010, stating that the information place on my credit report is accurate, and if I continue with these frivolous disputes, that they would add fees to what I already owe them.

On 10/26/2010, I faxed them my proof of payment from 2007, FCC printout on Florida Phone Service, and a letter stating that I had been in contact with the FCC, State of Attorney's Office, and my personal attorney, and I know that the phone company is no longer in business. I told them they have five days to delete the frivolous information from my credit report, or I would move forward with my official complaint. They deleted the claim on 10/27/2010. I had my lawyer file a suit against them, shortly thereafter. In 5/2011, I pulled my credit report, and DGM Financial Group Inc. has placed a slightly different claim on my report for the same phone company.

I know there has to be some law in the books, that a collection agency has to notify me that I am supposed to owe them, before going straight to Equifax, to ruin my credit. I spent thousands of dollars to clean up my credit, and finally got a decent score, and now this company is committing fraud and extortion against me, and has undone it all.

Because they are operating illegally, is the reason why they violated laws to contact me, before reporting to Equifax. I would like to know how their Office of Financial Regulations license expired in 2008, the corporation dissolved in 2009, and they do not have a Miami Dade Occupational License, and they still do business, fraudulent business, in 2009, 2010, and 2011, without any consequences. I can bet they do not pay income tax to the IRS as well. They also collect money from debtors, and never turn the money over to the creditors who hired them. These extortionists have to be stopped from ruining people's lives. I know others have reported them for their deceptive practices. I am disabled, and cannot afford the stress.

They have changed their phone number and address several times, to avoid paying government fees and taxes. The phone number and address I have posted, is the current phone number that advertises DGM, and another company, and her home address, where business is conducted. I have been in contact with the State Attorney, Office of Financial Regulations, FTC, BBB, Miami-Dade Occupational Licenses, Miami-Dade Code Enforcement, Miami-Dade District Attorney, and the IRS for starters. Within one year, my credit score went from 760 to 648, as a result of them continuing to make fraudulent reports to Equifax.

I have a credit score of 800 and above with the other credit bureau. I have had no changes to my accounts, I pay my bills before they are due and Equifax keeps lowering my credit score 684. When I called the company they said there were changes to my account. So I ordered my credit report and there were none they could not explain. This is messing up my credit can you please help. It is affecting my credit.

I went to the Free Credit Report site to get my report. May 14, 2011, I received a letter from Equifax requesting that I send in proof of address, with photocopies of any of the following 2 pieces of info: Social Security number, W-2, utility bill, driver's license, pay stub or lease. No fax, but they want this info sent to a P.O. Box. I have great security concerns with this method and believe that this could be a form of identity theft. If they are aware of the public's concern regarding their verification methods, it may discourage from many people from going further. I have had issues with identification theft in the past stemming from ten years ago with another resident of the apartment building I lived in (who was a male). This has resulted in getting debt collector phone calls asking for this individual and problems from DishTV insisting that I was the person they were looking for. Loan requests and inquiries were also showing up on my report, which I disputed. It is still causing problems.

I am in the process of getting my home refinanced. The mortgage company requested that I have a consumer dispute comment removed from my credit report. I started the dispute with Equifax and called my creditor AmeriCredit. My creditor stated that they would just delete the account from my credit report and they mailed me the letter stating that they did so. Experian and TransUnion no longer show this account so I know that my creditor did request for removal. When my dispute results arrived, there is no change in the disputed account.

They claim that the creditor sent it back requesting but no change. They suggested that I start another dispute which I did. Again it came back with no change. I currently have a third dispute as they recommended. I called my creditor and they are insisting that they did respond in electronic for Equifax to remove the account. Once this representative took my confirmation number, again I was blocked from speaking to a representative. This happened three times with different confirmation numbers being blocked. Equifax blocked me from seeing the status of my dispute.

I have explained to Equifax that I do not wish to have the account removed but just to delete the consumer dispute comment. One representative did make a comment about the account that will remain on my credit for seven years. So I am thinking that they do not wish to honor the creditor's request. At the same time, they are not allowing me to make changes on my credit report by blocking me from speaking to representatives. Equifax's Dispute Department is awful. This caused my score to drop several points. This was done out of spitefulness because of my complaints. Your help is greatly appreciated, Fair Trade Commission. Tara of Columbia, SC.

I do not know if your company checks into credit reporting companies, but I feel the impact they have on the average American is way to vast to overlook. Here are some reports of my credit constantly going down, on a card that I was recommended to by Equifax to help fix credit. It has only a max balance of $500. Keep in mind during this time, I had a judgment removed for $6000, have opened no new cards except for this one in over three years. I have paid off all other cards to zero balances, except one, that shows the payment now at zero. With no missed payments. (Of course you will have to accept my word, unless you need proof at a later date, I won't include that now due to the nature of this) Those other cards reflected in my credit score when I joined this company for monitoring scores, this is just the last year. That I am sending here. I know these kinds of complaints are too hard to clear up on an individual basis.

So this is for information only, in the event that other complaints are coming in. Credit card companies also solicit by mail and say pre approved, only to later deny credit to people, and then a negative item shows up on credit and causes scores to lower. I have remained debt free as far as these cards go, but took the offer for the $500 card to use and pay every month to help my score. Apparently the only thing the credit companies are interested in is your balance. The score never goes up for paying every month on time. It just goes down for having a balance go up or if you miss payment. This score lowering could cost me thousands on a new loan, simply because I have a balance of $500 on a card, that by the way once you get it, refuses by policy to raise the limit any higher and charges $59 annual fee. Again this is for information only, or in the event you have received numerous complaints.

I am in the process of getting my home refinanced. The mortgage company requested that I have a consumer dispute comment removed from my credit report. I started the dispute with Equifax and called my creditor (Medical Data System, 128 West Center Ave., Sebring, FL 33870-3101, Account ***, phone 866-631-4680/ ask for Gary)) to respond to the dispute quickly. My creditor stated that they would just delete the account from my credit report and they mailed me a letter stating they did so. Experian and Transunion no longer show this account, so I know my creditor did request for removal. When my dispute results arrived, there is no change in the disputed account.

They claim the creditor sent it back requesting no change. They suggested I start another dispute, I did. Again it came back no change. I currently have a third dispute as they recommended. I called my creditor and they are insisting they did respond electronically for Equifax to remove the account. After calling several times, they finally have my confirmation number blocked from speaking to a representative.The recording states no representative is available. When I ordered another credit report with a different confirmation number, I was able to speak to another representative again.

Once this representative took my confirmation number, again I was blocked from speaking to a representative. This happened three times with different confirmation numbers being blocked. I also notice that the dispute number shown on the online dispute status was not the same dispute number that was given to me on the phone.

When I called complaining about my dispute number changing, Equifax blocked me from seeing the status of my dispute. I have explained to Equifax that I do not wish to have the account removed, just delete the consumer dispute comment. One representative did make a comment about the account will remain on my credit for seven years.

So I am thinking that they do not wish to honor the creditor's request. At the same time, they are not allowing me to make changes on my credit report by blocking me from speaking to representatives. The Equifax dispute department is awful. I also notice they made a change on a Wells Fargo account to state "pays 60 days late" when it was stating "pays as agreed". This caused my score to drop several points. This was done out of spitefulness because of my complaints. Your help is greatly appreciated.

I placed an online security freeze against my credit reports to prevent unauthorized credit checks against my account. Now, one year later, I need to remove the freeze in order to obtain telephone service, and other utility services. However, I am not able to do so because the passwords that I have are no longer valid. I cannot reach anyone on the phone and there are no online options which actually work.

I and my 13-year old daughter are forced to live without television at home. We are forced to use prepaid phone service and Internet access through two different carriers. We are limited to what types of phones we may purchase and the service is not great. I also have a hair salon and am dealing with the same issues at work. This is extremely frustrating and time-consuming. I am not able to obtain affordable attorney services in my area.

I have been a victim of identity theft numerous times and I saw an account on my credit back in April/2010. So, I called all the credit reporting agencies. TransUnion investigated and so did Experian and Equifax. TransUnion didn't remove it. They claim they needed more information, so I sent that to them and so did Experian. Long story short, those two credit reporting agencies removed the account. But 2 months ago, Equifax put it back on my credit claiming that the company said it's mine

I told them it's not mine and they claim I never disputed this item with them before. So, I gave them the reference number that I had that showed that it was removed. But they still will not remove. And to make matters worse, they removed all of my accounts from Equifax, all my good hard working accounts but left the only bad account and 1 inquiry. This company does not know what they are doing. Someone needs to stop them. They told me they only keep records for 2 months. That is **. I don't know what else I can do.

Equifax has incorrect information on my credit file. Was told by a creditor that my mortgage payment was 4 months behind. I am up to date is what I told her. I also said, I will give Equifax a call and tell them to update but you cannot get no one on the phones. They never answer.

I have been disputing my report for months with these people online. They might fix one thing then it comes back with things that weren't wrong to begin with. Right now, there is a new item as of last month that they did yet I cannot speak to a person the phone even with the report number and I keep writing them that I am writing their CEO. This last one, they ignored it. They assigned it a number and then do nothing. They hid it. They did not even know the rules of the FCRA. The things they are doing are against the rules of the FCRA. That's all they have to do is know what they are doing and there would not have to be any investigation as it is all right there in the credit report.

These people are idiots and just want to cause the consumer a lot of grief. I am sick of this. It's multi-credit reporting as well as all three bureaus lack and should be made being as everything about our life governs these reports. There is so much that should be off, i.e. credit and names from 20 years ago. I think not, but they won't let you change online. I can keep filling out a dispute online but it really gets me nowhere. I am going to wind up reporting all three bureaus to the Federal government reporting agency responsible for them. If that doesn't work, it's going to the newspapers and in blogs online. I am tired of the lack of caring for the consumers.

My credit union pulled my Equifax credit report for a loan on October 2010 and noticed that it did not contain a credit score (Beacon). It had numerous inaccuracies when I took the one I ordered from them on November 2010. I called them and she said, "We have our own score and you do have one." I questioned why it was not provided to my credit union and she was silent. I asked to speak with a supervisor and was placed on hold for 23 minutes. When someone finally picked up the line, they hung up.

I called back in and a man argued with me about speaking with a supervisor. Finally, I was placed on hold again. I called back in an hour later and spoke with another man. He advised me it was my credit union's problem if they did not pull the score. I said they did and you (Equifax) said there was not one on file, but he quickly changed up and said that I did have an FICO score. The funniest thing is the lady told me that my credit union last pulled my report in July 2010 yet I was holding a copy in my hand from today which shows that they also pulled it in February and October--but never in July!

I have had credit since 1996. I have open and closed accounts, car loan, student loans, credit cards, bank signature loans, etc. yet the report they supplied to my credit union did not reflect any of that, nor did it provide a credit score. When I applied for a mortgage, I found out (a few months ago) that my FICO score was 700. No one at Equifax seems to be able to give me an answer and tell me it is my credit union's problem--funny, since Equifax is the one supplying the report.

When I ask and end up demanding a supervisor, the representative argues with me, places me on hold for over 15 minutes then someone picks up the line, does not speak and hangs up. I also have yet to speak with anyone there without an accent. It is often hard to understand some of the people I have spoken with. This is not the first go-around. I've had trouble with them since March. The report they supply to the bank and the one they supply to me are completely different. All I want is for them to correct what they did wrong and include the credit score when a bank/credit union or credit card company pulls my credit. I also would like my report to match the bank's report--is that too much to ask? This is my life that these people have completely messed up and won't do anything to correct it.

The phone representative was very high pressure to get my credit card number and sell me the report and a monthly fee for monitoring, and would not tell me that the fraud alert was placed on my file, just kept insisting that I give him a credit card number. Just ridiculous. I still don't know if this guy in India placed the fraud alert on my file as requested.

They claimed that they did not receive our mailed-in request for credit report. Do not believe them. We had the same response as both my wife and myself and also had the same response from TransUnion. I can't believe that both these organizations did not receive the mail. These people are corrupt.

I am/was trying to purchase a property. My mortgage broker attempted through Filogix to obtain my credit report. They were, and I was unable to obtain it as there were two files in my name. The one file had my birth date adding 40+ years to my age. I was informed in broken English to just fax them my drivers license and credit card and they would "merge the files" lmao. I said that they obviously had someone else' s credit history and there was no way that I was giving them permission to merge it. In fact, now I had found the woes of my previous credit problems that I thought was fraud and paid to "clean" up my credit report before.

Indeed I had obtained a mortgage in June, so why didn't they release the "proper file" now. They are holding me hostage, and then I will be responsible for someone else' s debt again. These are crooks licensed by our government. Unreal. I have paid previously for debts not my own but still didn't clear it up. Paid higher mortgage rates and now will probably lose the house we were attempting to purchase.

I'm going to work my way backwards. Violation of the "Identity Theft Protection Act" of North Carolina, Fraud, Unfair and Deceptive Trade Practices.

Due to the general manager (former) of Ridenow Powersports of Concord North Carolina posted all of my personal information on the Better Business Bureau of Charlotte NC's website. I had to place a security freeze on all 3 of my credit files to help protect me from identity theft. The information that was posted included my full name and address accompanied by my social security number, drivers license number, date of birth and even a credit card number. North Carolina Law provides that non identity theft victims can get a security freeze online for free.

Equifax rigged their website to direct consumers to mail their request in with a check or money order in the amount of the fee charged based on the state you're in. I tried many times to submit the information and get the same result each time. So, I called to report having an issue with submitting the security freeze. Thinking that I'm a moron, the representative tells me that there is a $3 fee regardless of how the security freeze.

I continue to say, it is not and that it clearly states on the list that's even available on the Equifax's website that it's free when done online. The rep went on to say that she could check it for me and I say go ahead. She comes back and says, you must pay a $3 fee and she's not aware of any problems on my computer. She then went on to say that I only have to pay $3 the first time and after that it's free.

I ask her to pull up the list on the Equifax's website to see what I'm seeing and she says she doesn't have access. She then says she can provide me a phone # to the FTC and I say, I can go to the FTC website right away and tell her what it says.

On the FTC site, it still confirmed there is no fee when submitting the request online. She then states that based on her guidelines, there is a $3 fee for North Carolina and if I want a security freeze, I must pay $3. Just to ensure I got the freeze in right away, I paid. Summary: Equifax is ripping off consumers by unlawfully rigging their website to prevent consumers from getting a free security freeze placed on their credit file. And I have a 41 minute "smoking gun" to prove it. Not only did one rep state they have a directive to do this, but another rep and a "supervisor" said the same thing. The GM of Ridenow violated the "Identity Theft Protection Act" by publishing or disclosing my personally information in unredacted form without my permission or consent. Fraudulent Misrepresentations--fraud, fraud and more fraud.

Then this morning, I purchase an Equifax credit report to ensure my security freeze was in place. I noticed that a Fraud Alert that I had placed on the file back in December of 2009 was there, so I call Equifax to inquire as to whether it was in place on 4/5/2010 when a credit card account was opened without my knowledge or consent by HSBC by way of Ridenow Powersports.

Got several different stories: "The fraud alert was placed on my file yesterday". Even though I didn't request one yesterday. "There is no fraud alert active on your credit file" which is weird since I can see the alert online and on the hard copy I downloaded which clearly indicates there's a Fraud Alert. " Or "The last time you had a fraud alert was 6/2008" which isn't true because I placed on in 12/2009 and have a copy of my Equifax credit report to show that". And of course, this call was recorded too. I couldn't ask a question without being misled or lied to .April 5, 2010, Fraudulent and Negligent Misrepresentation in the Inducement of a Contract, Truth in Lending Act (no disclosure of any key terms), Unfair and Deceptive Trade Practices (Ridenow and HSBC) I went to Ridenow Powersports of Concord with my then 14 year-old son to look at purchased a moped for him. I tell the sales person that my son wasn't old enough to drive yet, so I wanted something 49cc or smaller for him. Mind you, I was under the false impression that since anything 49cc or smaller didn't require a license, tag or insurance, that it was legal for my son to ride it even though that wasn't the case.

Nevertheless, the sales person never said anything to the contrary. He showed me a 2010 Yamaha Zuma which he claimed was the best selling scooter ever. He also stated that they had the last 2 scooters in the area and that Yamaha had stopped production of that model due to the slow economy. So, I decided to buy the scooter which was $2290. I filled out a standard application form and provided to the sales person and he provided that to the finance manager who did his thing while my son and I waited in the showroom.

When it was time to see the finance manager, I was told that my monthly payments would be approx $55-$62 directed to his office. As soon as I get into the office, he begins a sales pitch for a service warranty which included extended warranty, priority service and theft protection (each is a separate contract). He used a piece of paper that was separated into 3 areas detailing the benefits of plan a, plan b and plan c and under each plan, he wrote in my approximate monthly payments based on which plan I selected. For each plan, the monthly costs went up a few dollars a month.

So I'm thinking, this is worth it if it's only a few dollars extra a month so I selected either plan B or C. He then takes the piece of paper he used to write on while making the presentation and puts it in a paper shredder behind his desk. Before I continue, I should mention that at this point, the only disclosure was monthly payments which went up a few dollars based on each plan. I should also mention that this location was originally known as Excel Motor Sports prior to being acquired by Ridenow. I purchased a Honda motorcycle from this location when it was Excel Motor sports and had no complaints about that sale. So, the finance manager gets all of the paperwork ready for me to sign.

For some of the documents, excluding those for the service contract, he overlapped (cascaded) them exposing the bottom portion of each and asked me to sign and/or initial the documents. For the service contracts, he asked me to sign using an electronic signature pad. That signature was applied to the contracts that he was completing on his computer and I never saw the contracts until after the sale. When I did look at the paperwork, I realized that after I paid $1000 down against a $2290 scooter, I had a balance of $3700 which was approaching twice the cost of the scooter itself.

I did end up filing a BBB complaint which resulted in Ridenow posting a $1489 credit the credit card account. They told me that I can refinance with my own bank to which I rejected. HSBC has done nothing but pass me back to Ridenow citing it's their fault and they can't do anything even though I've indicated that I was induced by misrepresentation. They won't investigate because it would be a moot point as they'd have to start by investigating themselves since the non-disclosure on their part was a key component to the fraud. I've done rambling here because I'm pretty ** off about the entire thing still, but I'm getting my facts together in sequential order similar to how it would be on a civil complaint.

On August 22, 2006, the NYS Department of Taxation and Finance mistakenly filed a tax warrant (lien) for $1,046.03 against me, as recorded by the Rockland County Supreme Courthouse on 08/2006 (case ID # 200644741). However, when I became aware of the tax warrant, the error was brought to the attention of the NYS Department of Taxation and Finance. I have the letter from the NYS Department of Taxation and Finance that shows the tax warrant was vacated (not paid) on February 22, 2007, as recorded by the Rockland County Supreme Courthouse.

My Equifax credit report under "Public Record" (case ID # 200644741) shows the tax warrant (lien) filed at Rockland County Supreme Courthouse on 08/2006 and then released on 02/2007. Since this tax lien should not have been file against me in the first place and was corrected (vacated) six months later, I have been trying to get the Equifax credit bureau to remove this public record from my credit report history (on going since 2008). I have provided Equifax with a copy of the letter form the NYS Department of Taxation and Finance that clearly indicates in the fourth paragraph "the assessment upon which this warrant was docketed has now been canceled."

Upon providing the other two credit rating agencies "TransUnion" and "Experian" with the same documentation, these agencies remove the tax lien from my credit history. However, Equifax is refusing to remove the lien of my credit report. Because this lien is in my credit history at Equifax, it has cause a 92 points credit score difference between Transunion and Equifax; and 59 points difference between Experian and Equifax. The result of my last request to Equifax is dated October 20, 2010 (confirmation # **). I have the next 60 days to contact them regarding the results of the reinvestigation. This scenario has been played out over and over again since June of 2008. Each time I call about the results they would reinvestigate with the same outcome. Can you assist with getting Equifax to remove this lien from my credit history report?

Since credit score is used frequently in our lives, for background checks, loans, jobs, etc., this large variance in credit score among the three credit rating agencies will keep me from getting the best price on purchases and/or rates on loans. I have been very diligent in maintaining a very good credit history and to have this item in my credit history due to no fault of mine is not right. Any assistance to resolve this matter is welcome.

In 2007, Equifax made several errors in my credit file and it took 1-1/2 years to correct after numerous attempts. In 2009, I placed a security freeze on my file. Today, I spent 2-1/2 hours on the phone trying to unfreeze my file. They only have an automated response system. I tried for 2-1/2 hours to get it done. Each time I enter the information, a recorded voice came back and said, "This transaction cannot be completed. I tried 6 different times. Once it said, "Wrong information." Once it said, "Credit card rejected." Once it said, "Wrong address." Now I'm pretty ticked off! I'm trying to rent an apartment and they can't verify my credit! I did the same thing with Trans Union and Experian and it took less than 10 minutes, period!

I cannot find any dispute on Equifax online and when I called, they hung up on me.

I sent in a complaint about my report of credit was wrong in several places and they can't even spell my name right. All they do is keep sending me e-mails and letters asking for more of the same information I submitted in the first place. This is about the most dinky dink place and they call themselves a credit reporting agency. I wouldn't even call them an ad company, let alone a credit reporter at all. They are the worst of everything. They call reporting of credit, no wonder people credit scores are so low and get refused credit because of this dinky dink place.

I am unable to get my free credit report from Equifax for free or at all. I attempted to get it online at www.***.com. The other companies on the website, Trans Union and Experian instantly granted me access to my credit reports. Equifax did not. The site simply gave me a message that I would have to send in an application with my copies of my drivers license, social security card and utility bill before they would grant me access to my credit report.

After calling customer service at Equifax, I attempted to pay for a copy of my credit report for $15. I was taken through a lengthy verification process where I had to list all of my credit cards, balances and status and was finally verified and told that I could order my report for $15 an hour later. I was assured that I would receive the report instantly and would have no further problems. After giving my credit card information, I was told that I still would not be able to access my report unless I faxed a copy of my social security, drivers license and utility bill to the company because Equifax has incomplete personal information on me. This whole process has been a colossal waste of time. This company has very poor customer service and is entirely inept.

Equifax keeps running credit checks on me every 2 months for no reason. This is hurting my credit scores. How can I make them stop?

I'm unable to obtain free credit report and I absolutely refuse to fall into the same trap of paying then never receiving the report. I am unable to complete requirement of checking or disputing incorrect reported credit information.

I reported a dispute to all 3 credit reporting agencies. Equifax said they're 'confirmed as valid' and the info remained on my credit report. Over the last 6 months, I have repeated the same request with Equifax and each time, they state that the information is 'confirmed' and has reduced my credit score.

While there have been 6 inquiries from other companies, Equifax remains the most outstanding. They have reduced my credit from a 'fair' to a 'very weak' state. None of the other credit reporting agencies have reduced my credit score; as a matter of fact, my score has increased in their eyes. I believe Equifax is reducing my score based on the 8 repetitive requests I have made to them in disputing information. A credit reporting company is not supposed to reduce a score when a consumer is asking them to review and research the data. I believe they are doing this as a retaliation strategy. Isn't this against the law?

Equifax Monitoring Alerts keeps texting on my cell phone even in the middle of the night! I want this to stop now! I don't want to be contacted anymore. Leave me alone please or I will contact my lawyer! Stop and leave me alone! Not even through my e-mail either.

Always just a matter of time until Equifax merges other ** information with my records and takes months to clear; truck driving schools in Minnesota, child support in Arkansas, stores across the US with closed SS no., and all ages of users. I'm in mid 50's and Equifax has frozen my files and allowed other individuals to use my I1 and R1 credit that a lifetime of financial stewardship has allowed. Opening the files for mortgage or car loans put me back in the fraud search again. Countless thousands of dollars and now marriage loss is inevitable due to stress and medical records from others killing my credit scores. Why do they merge accounts and why do they send/mail me other people's files that have no obvious connection? Have they sent my records to other folks as well?

Equifax has run my credit by putting low credit score due to GE money closing an account because I had miss one payment 2 years ago. I had paid GEMB/ Lowe's off several times and had a balance of $110.00 and they closed it. Then Equifax lower my credit score by almost 15 points. I have no other negative thing on my credit report but that. The other credit bureau did not do this. What can I do? I can't get a business loan I was trying to get and I am just sick about this since I have tried so hard to have good credit. On other credit bureaus, I have credit scores of 660, 680 and Equifax just lowered it to 597 from 650.

I am a victim of identity theft. Accounts were opened in my name with my driver's license, SS no. and DOB. I called the fraud departments of the credit card companies. I filed a police report, I put a fraud alert on my credit, I sent back fraud paperwork to credit card companies. Equifax told me once I sent the paperwork in with the police report to the credit card companies, their own fraud investigation would reveal the fraud and my credit would be fixed. Instead, I just got a letter saying that Equifax has verified that the credit card is in my name. That's why it's called identity theft! And they see no fraud! No fraud? What? Someone in another state has $5000 worth of stuff from Best Buy and my credit is dropping while I am trying to get a mortgage.

Equifax is useless and clueless and action needs to be taken against them. My credit score dropped from the fraudulent inquiries and the fraudulent charges. It will drop again as the bills become due and I don't pay them because they are not my bills! I am not able to do my mortgage because of this debacle that could have been fixed already! Instead, I have to start all over again!

888-826-0573 is a fax number. Equifax refuses to provide a phone number or to fully identify themselves. Equifax has unfair business practices and continues to knowingly publish incorrect information damaging to the consumer. Hazel of Equifax falsely generated a "dispute" and created a false credit account in which to post a "disputed" status.

I requested Equifax to remove erroneous "dispute" comments from an account that has been closed for over 3 years. They finally did on the SEARS/CBSD account, but then reentered the account with a slightly different name. The account number used shows this is the exactly the same account. Hazel of Equifax just changed the business name SEARS/CBSD to CBUSASEARS. They could not have received a report from CBUSASEARS, because the business has not had the account for over 4 years.

Equifax has information in their own records verifying the account was settled on 4/6/2007. I have faxed them a letter from the agency that made the collection verifying the above. Equifax has the LVNV Funding LLC posted as "paid in full". The account information clearly shows this is the Sears Citibank account in question. This is a deliberate and malicious action by Hazel of Equifax to extend the "time allowed to process the dispute".

I did not file a dispute. I made an inquiry and a requested they remove erroneous statements from the account. Both Experian and Transunion reviewed their own records and removed the erroneous "dispute" information on the same day I requested them to do so. Why has Equifax not done so as well? By their deliberate and malicious actions, Equifax is causing me to be denied a refinance loan. This will cost me over $72,000.00.

The Fair Credit Reporting Act (FCRA), with amendments up to and including the Fair and Accurate Transactions Act of 2003 (FACT), directs that once a year, each American be provided access to his credit report from each of the three bureaus. This federal law also states that if requested, online access to the credit report must be given, "A consumer may specify that disclosures shall be made by electronic means, if available from the agency..."

1. The Equifax website itself counsels those seeking a free credit report, "Requesting a free copy of your credit file online is often the fastest way to obtain your file, but if you prefer to request your free file by phone or mail, please click here."

2. I have not had problems obtaining online access to my free annual or credit denial report from the other two bureaus, but Equifax has consistently obstructed such access for me over the past three years. Many others have reported similar violations of the law by Equifax, involving diversion of those seeking a free report under the law, to a paid Equifax product, and the continued lack of mandated personnel that will assist the consumer by phone.

3. Each year, when I go online, through the appropriate website, to obtain my annual free Equifax report, I'm eventually directed to the Equifax website where further requested information is provided. After the provision of detailed ID information, an Equifax page shows my order for a free report and instructs me to click on "Submit." Upon submission of the order, I'm redirected to an Equifax page entitled "Internet Delivery Unavailable--Mail in Request" where it says "We're sorry, for your protection we are unable to fulfill your FACT Act Equifax Free Annual Credit Report on the internet."

4. None of the conditions suggested on this Equifax page as potential reasons for the "unavailability" of my online report apply to my situation.

In addition, when Equifax says that internet delivery is unavailable, it does not mean that through some unforeseeable technological glitch it was deprived of the ability to reveal my report online, which would be consistent with the law when it says that the agency shall provide electronic access, if available. What Equifax means is that they have intentionally made my file unavailable to me by actively and selectively blocking online access. This occurs, despite providing adequate identification and correctly answering questions confirming my identity. Equifax consistently denies online access and requires that I fill out a form, provide additional 2 uvbogden.doc documentation of identity, mail in the completed form and documentation, and wait for several weeks to get a hard copy of my report. The same scenario also occurs when requesting a free report due to being denied credit.

Even when accessing the Equifax website to obtain a free credit report, every page and option provided directs the consumer to information about a paid Equifax product, such that the consumer is led to believe that the credit report can only be obtained by purchasing an Equifax product. All phone contact numbers provided on the Equifax site entail long sequences of computer answering machine menus designed solely to drive Equifax sales. These phone number computer menus fail to answer important consumer questions and no human being can be reached to address consumer concerns.

After numerous attempts, using various contact numbers and reaching only dead-ends, I resorted to calling a number specified for purchasing an Equifax product. Winding my way through a maze of computer pitchmen to another dead-end, and by repeatedly pressing the zero, I was finally able to talk to an outsourced consumer service agent who, surprisingly, spoke passable English. The agent first tried to sell me an Equifax product and then told me she was unable to determine why I was blocked from online access, unable to remove said block, and unable to refer me to anyone who could assist me in fixing this problem. I was told that my only options were to purchase an Equifax product for immediate access or apply for and await a free snail-mail hardcopy.

It is apparent that Equifax is circumventing the law by not providing free, annual credit reports or free credit denial reports online with the sole purpose of driving the sale of Equifax products. This is tantamount to the "Jim Crow" laws of the South following the Civil War, which were designed, not to assure that a voter was qualified to vote, but to deny the vote to African Americans by throwing up artificial obstacles to voting. Similar to civil rights, credit reporting delayed is credit reporting denied. Mainstream data management is almost exclusively via electronic means and this is no less so for the credit information industry. Credit information, stored on servers, can easily be provided electronically at virtually no expense.

Alternatively, converting stored electronic information to a physical hard copy, packaging, addressing and delivering it by mail to a physical location requires more steps, takes more time, consumes more resources, and means considerably more expense for the company. Most receiving credit information prefer electronic means as it is available instantly, more efficient, and it facilitates improved data management.

On a cost basis, a prudent credit bureau would choose to provide the mandated annual free credit report exclusively online. On a consumer satisfaction basis, online distribution would similarly be chosen, because of distinct consumer preference for electronic data. Individual and business consumers who purchase credit information from Equifax, all have instant access to its online electronic data. It is only the non-paying consumers that are prevented from lawfully and instantly accessing their personal credit information online.

Consumers seeking online access to their lawful, free credit report are pushed into purchasing Equifax products. Equifax is taking unfair advantage of the federal mandate and government promotion of the FCRA and FACT acts, acts designed to protect consumers from unfair practices, by abusing these acts as a marketing tool to sell Equifax products. This is a fraudulent, deceptive, and unfair business practice akin to credit bureaus marketing "free" credit reports that actually involve charging the consumer's credit card. However, this Equifax scam is the more insidious because the marketing that drives this deceptive 3 uvbogden.doc practice is provided at government expense, and it directly contradicts the intent of the FCRA and FACT acts.

According to law, Equifax must provide online access upon request, once a year, to each American, without delays and phony, self-serving excuses. Please provide consumer redress by directing Equifax to cease its pecuniary tactics and either become compliant with the law, or suffer the consequences as prescribed.

I was denied online access Equifax credit report three years consecutively. Equifax wanted me to purchase one of its products for immediate access, or file a written application and send in documents requesting a written report which would then be mailed to me. There is allegedly some derogatory information in my Equifax report that is not in that of the other two. Since Equifax won't let me online access my file, I don't know what the derogatory information is or even if it's legitimate. Also, my score dropped from 770 to 699 based on this unknown derogatory information and I was denied a loan modification on my home because of this.

Equifax is publishing my credit report. Knowing the information is incorrect, they are posting additional incorrect information in retaliation, and they are causing my refinance loan to be denied. I encourage all victims of Equifax to file complaints with the Fair Trade Commission. They have been sued before for their so-called business practices. They should be shut down, as they continue to thumb their noses at laws and regulations. The complaints don't change, why are they allowed to continue victimizing the public?

Equifax will not remove incorrect information from their report on me. They have an account marked as disputed, when it has never been disputed. The account is paid in full, but they require a statement from Sears saying the account is not in dispute. Sears will not respond because they have had nothing to do with the account since 6/2000, and did not report it as in dispute. Equifax's own records show the account is paid in full as of 4/2007. Why would anyone dispute an account that is paid?

They did remove the "dispute" remark from the initial account, but then reentered the account with a slightly different number (dropped the last 3 of the posted account number) , and again said it was in dispute and being investigated. I did not file any dispute with Equifax or anyone.

The problem is that Fannie and Freddie arbitrarily deny any mortgage loan where your credit report shows the word "dispute". I have talked to approx. 15 individuals. All cannot or, do not want, to understand anything said. Both Experian and Transunion reviewed the credit report, and removed the "dispute" verbiage within 1 day. A refinance at a lower rate will lower my payment by $200 a month. Over 30 years, that is $72,000. I am a 65 year old retiree, and this is a major blow. I am sick from trying to deal with the nasty and mean Equifax employees.

Complaint is regarding inaccurate information on my credit reports from all three agencies (Experian, Equifax, Transunion). Both companies (Capital One and HSBC) are reporting 'derogatory accounts,' that were 'included' in my chapter 7 bankruptcy, which has since been discharged October 2007. I filed three inaccurate reporting statements between February and April of 2010 with all three credit bureaus, through my credit reporting subscription service, 'Truecredit.com. They (Truecredit.com) in turn, sent an email to the Three Credit Bureaus to 'remove' the derogatory reports from all three credit reports.

I spoke to a representative on August 26, 2010 at Truecredit.com, and was informed that since I filed a Chapter 7 bankruptcy, and was discharged, that these derogatory reports from HSBC and Capital One should have been removed from all three of my credit reports, because they are now officially discharged from filing the Chapter 7. Several days after I filed this complaint with the three credit bureaus. I received an email notice from Truecredit.com, stating that the three credit bureaus refuse to remove these derogatory reports. They did give an explanation as to 'why' they are not removing them.

Equifax continues to report a tax lien against me. The documentation has been provided to them that the lien was recorded in error but they continue to state that the lien is correct even though they have the document number and form that states that the lien was recorded in error. I have been fighting them for over a year. They continually hang up on me.

I was told that I had to send in identifying documents to remove a fraud alert off my file. I sent in all documents and was told that I had to wait 3-5 business days for it to process. I have contacted Equifax several times regarding my information that was sent in only to be told they have not received it. I am totally frustrated.

I talked to several non-speaking English reps who tried to assist me. I requested an English speaking rep but was refused by the rep. I was told it would take 3-5 days, and no results. I was talked rudely by one of the reps. I was refused a loan due to Equifax being non-complaint and rude. It has been 4 days and no results.

Equifax allows you to easily sign up for their credit monitoring scores and services on their websites. However, when you decide you want to cancel your services, you are required to call their customer service line, and talk to someone in person. This involves going through a series of line prompts, and listening to ads all the way touting their services, and how valuable they are. Then, when you actually get to a person, they spend 15-30 minutes trying to talk you out of canceling. When I called to cancel, after 15 minutes of listing all the ways their service helped me, then they offered me interim 'offers' of a month for free, and then a reduced price multi-month offer.

Finally, after me insisting again and again that I no longer wanted the service, and wanted it canceled, they finally agreed to cancel it. But the process for canceling their products is onerous, time-consuming, and overly difficult. It should not have to take a marathon phone call during which you have to constantly repudiate numerous sales pitches to cancel a product you no longer want. If you can sign up easily on their website, you should also be able to cancel easily on the website, and not be required to jump through the hurdles of making a long phone call and fighting off their attempts to continue you as a customer. 30 or more minutes of time wasted on the phone call to cancel, and the accompanying stress and emotional pressure to constantly rebuff the sales pitches when you state you want to cancel.

For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from TransUnion or Experian. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must "request my free credit report via postal services." I still have not received a report from them. Will the FTC ever do anything about Equifax not complying with federal laws?

I attempted to get my credit score from a "free" online service, Equifax. The terms and conditions were if I did not cancel within 14 days, they would automatically charge $14.95 a month for their service. I was never able to get my credit score so I cancelled the next day. For two months, I have been charged for their service. I called their number to cancel the service, I was told I must submit my cancellation in writing and supply them with my private information--S.S.#, all open accounts with current balances, maximum charge limits, etc. I do not wish to give these information to some unknown person who sounds like he is calling from a foreign country like India. When I asked to speak with his supervisor, I was placed on hold for over 30 minutes until I finally hung up. I called my credit union and cancelled any future payments to Equifax.

Due to the false and inaccurate credit report and score from Equifax, I have been greatly damaged. The score of Equifax is 70-100 points lower than others at the same period of evaluation. I don't exactly if it happened only to me, but any many other people too. Although I have requested to fix the wrong information and score by the written mails and phone calls too many times last three months, the problem never be fixed. Moreover, the customer service people wisely approached to sell the unnecessary membership which never be refunded whatsoever.

If you cancelled a membership for the next month in advance, it cancelled the membership instantly but neither refund the remaining dates of fees nor continue the membership by the agreed expiration date.

In short, this company is not qualified at all to serve this important function of business for society. It keeps harming and ruining many innocent people with wrong credit scores, poor and arrogant service, and unfair sales policies of memberships. I don't understand how this company possibly keeps doing business with so many complaints last 10 years from the market and consumers. I was not only unfairly denied my leasing application and new credit accounts, but lost chance of refinancing and newly applying loan accounts. Most of all, my credit history has been badly damaged.

This Agency gives out false information and low credit scores. They have terrible customer service and the Controller of Currency should put them out of business for all the damage they cause. Put our a report based on what they consider are loan limits. They don't even know me or all the net wealth I have, so this is totally unfair and downright slanderous.

I tried to dispute some items on my credit report. I am unable to view the results, I contacted them (not VRU system). When I did get through, they refused to provide my results, instead they just focused on gathering further information. I have not used credit in 6 years (or so). I am unable to secure my grant funds (300K) because of these issues. Equifax has ended my time to respond without providing the results of my dispute.

Equifax placed a judgment on my credit report that's not mine. I asked Equifax to fix it, Equifax told me to fix it. Equifax accepts no responsibility for what they have done. I have been denied credit many times and didn't know why, until now. I must take legal action for Defamation and/or Negligent Enablement Of Identity Fraud. Please advise.

I have been trying to contact Equifax about a "blocked" credit report. I am trying to obtain employment and the agency is attempting to obtain a credit report on me to process my National Security Clearance. Upon contacting Equifax, they have told me that their system is "updating" and are not able to assist me. They keep telling me to call in one hour and try again. I have been doing this for six hours now, to no avail.

They were unable to grant credit due to a credit report obtained from a consumer reporting agency Equifax. Under the Federal Trade Commission's Equal Credit Opportunity Act, it prohibits creditors from discriminating against credit applicants. I have excellent credit score of 745. The Federal's Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race color, religion, national origin, sex, marital status, and age.

I applied for a loan and my credit report came up with a Tax Lien; after checking into it, it was discovered it was something the IRS initiated in 1999. I contacted them the next day and they said that there was no lien against my name any longer. I contacted Equifax and told them, they said it was out there and to contact them again. I called the IRS department and explained again what Equifax said and they said that it was released, to go to the County Courthouse in my county and get a copy of the document and send it to Equifax. I did that and received in the mail, 30 days later, another dispute form from Equifax stating the lien was still out there.

I called them again and asked them if they had read the document. They said they had gotten something from the court house electronically that stated it was still an active lien. The document from the court house is a Notice of Federal Tax Lien with a box in bold letters stating "Important Release Information: For each assessment listed below, unless notice of lien is refiled by the date given in column (e), this notice shall on the day following such date, operate as a certificate of release as defined in IRC 6325 (a)". The date in column e is 01/21/2008. I explained to Equifax on three different occasions that this document is public record and states that there was a lien, but has been cleared effective on 1/22/2008. This is what the IRS gentleman read to me and then asked me what part of that bold block didn't I understand.

I'm not saying that the public record is out there with this lien, but according to the IRS and the date of 1/21/2008, it is no longer against my record and they should be able to read that as well. This is the third time I've taken off work to "discuss" this issue with them to no avail. They said they will contact the courthouse again and if they still say this is valid, then they will continue to keep this against my credit score. I called the courthouse and they confirmed what I already told Equifax. This is an accurate document in that there was a lien in 1999, but was released in 2008 that they have to actually read the document and take that into consideration and they said no. The courthouse is telling them the lien is still active. In talking with the courthouse, they said no, they do not talk to any credit companies. All they are doing is looking at the same document that I've already paid for but they are not reading it. What do I do at this point?

ORNL run this credit check on me through your company and I asked them for a copy which they sent to me. After looking at it, I find that my information is very outdated and the PO box ** never belonged to me. I think it belonged to Jerry my ex, which he passed away on Sept. 9, 2009. There were other names of businesses that were on there and I don't have a clue as to who they belong to. So I need someone to call me and explain this report and hopefully get it updated. Because of all of this negativity on my report I was unable to get a credit card for $1500. I now work and have bee working for E. TN. Technology Access Ctr., Inc. since Jan.15, 2005 as a bookkeeper and this isn't even listed on the report. Please help me get this mess straightened up.

When I requested a free copy of my Equifax credit report I noticed they had my mortgage listed twice with all the information the same except for the start date. I wrote them April 28 pointing out the duplication. I was told it could take 30 days to rectify the situation. At the 30-day point I received notice stating the investigation was complete and they updated the amount due on my mortgage and nothing else. Yikes!

I filed another complaint. Another 30 days go by and after their thorough investigation, guess what? Yes! On June 26, I received noticed the second investigation was complete and the information on their report was correct! Today, I filed a third complaint and was told it would take another 30 days to verify whether or not the information on my credit report was accurate. I repeatedly asked to speak with a manager or supervisor and was told one was not available. I called back later and was told by another rep the item in question had been removed from my file today. The rep stated I should receive an email about it. The only email I got indicated a third investigation was pending and should be completed by July 28. So I asked how I could get a copy of my updated credit report so I could verify one of the mortgages was removed today. She told I would be charged for it. I know that's not right.

This is not rocket science! Equifax has my mortgage listed on my credit report twice. A sixth grader could figure it out. The best part is at the end of every call is that they ask if I would be interested in subscribing to Equifax's credit monitoring service. As if! Hard to believe these are the people who are entrusted with our credit histories. This is time consuming and irritating. I think my blood pressure has gone up 20 points.

I had a fraudulent billing error from a physician 4 years ago. I requested the physician bill appropriately, this was never done. I submitted a request to the state of Washington to review the physician's billing practices. Because I disputed the bill and did not pay it, the lab turned the bill over to collection this last fall. I paid the item off in Jan 2010 to get it off my credit report. I let the collection agency know the billing should have been "preventative", in which case my insurance would have paid 100% as the bill was part of my yearly physical.

The physician billed "med-surg", which meant that my labs were not covered. I talked with my insurance company, all they wanted was the billing from Highline Lab to be corrected and the bill would have been paid by Uniform. Subsequent to my paying off the bill, I have contacted Merchant's credit and Equifax credit bureau multiple times with no resolution to correcting this issue on my Equifax credit report. I have submitted disputes, I have made phone calls, I have sent letters. The blight continues to stay on my credit report and thus brings my credit score down. My credit scores have always been in the low 800s. How are we as consumers supposed to deal with agencies such as Equifax who so control our financial lives? What, if any, are my options in dealing with Equifax and how can I request they acknowledge my dispute and remove this blight from my credit report? It seems that organizations like Equifax do not realize what they can do to people and we, as consumers, appear to have no options for dealing with them. Thank you so much for any assistance.

I ordered my credit report in 2010, and noticed that almost all of my credit history was missing. I called the company, and asked where did everything go? She said everything was outdated, and was removed, and I explained to her, by doing that, you made my credit report look like I have only had six years of credit. I am 61 years old, and have had credit, since I am 21 years old. They managed to take off all the high amounts of credit I had, and left an old credit card from 1978, with a $300.00 credit line.

How could they be so stupid as to do something like that. Now, I am trying to move, and I'm having a hard time getting approved for an apartment, because of all this. I have called Equifax, and asked them to put my credit back onto my record. They said they can't, and have no way of doing that, and once it is removed, that's it. I'm trying to get them to send me a copy of my 2008 credit report, so I can call the companies direct.

Why are we forced to deal, as Americans, with a company that has been outsourced to India for cheap labor, that now controls the most important issues that effect the American people. These people are rude, they have very heavy accents and you can't understand a word they are saying. They don't speak into the phone, but they are given so much control over the lives of Americans. Who thought this was going to be such a good idea. These jobs should have gone to Americans, not Indians. I am 61 years old, and this has hurt my credit score. I am presently laid off from my job, and this has made my life a living hell, and caused me a lot of stress.

Because I was unable to ever get through to Equifax, that's the credit bureau Equifax, I decided to join their monthly service. I still can't get in touch with them and they sold my email address to every spammer in the world. By law, they have got to provide you for free a credit every year as do TransUnion and Experian. These companies do whatever they want and nobody has any control over them. They hold power over every American citizen and we can't even contact them.

As far as the spam, When I get a spam, I open it up, go through it, get every company they claim to have offers or deals or specials with then I research and email every available person in that company and complain about being the victim of spam they hired someone to send me. If everyone do this, spam would last about one day because if not for these companies hiring these criminals to break into our private property and damage it, they would stop.

I have no access to my credit report. I refuse to continue to pay their service after they sold my email to a bunch of criminals. No government regulation of the credit industry. If you think there is, try and use it. The Federal Trade Commission is a joke. When you submit a report to them, it doesn't even get read. They post it in a chat room no one knows exists. Every other government agency refers you to them. Then they refer you back to other agency untill they wear you down and you give up.

Last June, my wallet was stolen. Unfortunately, I had my adult age children's social security numbers on a slip of paper. We were advised to put an alert on their social security numbers at a charge of $14.99 per person (five people). There had been no problems so we decided to cancel it December. This is not possible. The alerts come to me on my email for all of us. We are unable to cancel without each person calling separate and having the right information. They did not even know this alert was on them. It took until June when we finally canceled by calling and pretending to be the person to cancel it.

In the meantime, we have been billed $300 trying to get this done. It does not make sense. How can they charge to our credit card indefinitely? They would not give us any credit for the last months. They did not volunteer to give us the code for record that it was canceled. Each call had someone hang up on us as we asked more questions or tried to talk to a supervisor.

One time, the gentleman said that we hung up on him another time. Our contact on June 10 said we had never contacted them and yet we have records of contacting them each month when the bill comes. Today, they said they have three phone calls about this account. This should not be a big problem to cancel a service. If it was a security issue, why was I able to cancel by pretending to be my daughter and son? I think this is a scam. Has anyone been able to get anywhere with this company?

I have credit cards (revolving) from Citibank. On my statements and online, it clearly shows that I have available credit. Citibank is reporting credit info to Equifax, that I have "0" credit. Because of this, Equifax is reporting that my available credit is -$48,841.00 and debit to credit ratio of 525%. I have made several disputes to Equifax and each time they report back as completed and "this creditor has verified to Equifax that the credit limit is being reported correctly". This is destroying my credit score, and talking to Equifax in the Philippines is useless. Can you help? My credit score is being destroyed because of Citibank and Equifax reporting.

I have a copy of my credit report and Sprint has me down as a collections debt but I never had a Sprint phone in my life. This has damaged my credit. Please have this corrected as soon as possible. Thank you.

I went online a couple weeks ago to get my free credit report. When it came to Equifax, I was automatically denied a free credit report. The Equifax site stated that I had not met the waiting period which was odd, since it had been 2 yrs since my last free credit report. I was only able to retrieve 1 of the 3 and that one was for Trans Union. Equifax has sent me a letter stating if I want my credit report, then I will have to pay for it. I'm just trying to make sure everything is okay on my report.

Be very aware of who had your credit information. I had to freeze my accounts, which I did with the 3 reporting companies. Now the problem is that I need to temporarily unfreeze my account with Equifax. I kept receiving an error that more information was needed when I tried to unfreeze the account.

Finally after hours worth of phone calls, I was able to talk with someone who told me that my date of birth was missing from their records. I faxed the requested information to Equifax, only to receive an email 5 days later stating that they could not correct the problem because the information is controlled by one of their affiliates, CSC Credit Services. Now, I have to go through the entire hassle of trying to get this information correct with this company. And of course, there is no human to talk with.

I have tried for 2 years to get my free credit report from Equifax and when I submitted my request online, I continually get a statement saying I have already received my annual report, when in fact I had never been able to access it from the previous year. When I called or went online and tried to get it because of denied credit, they tried to charge me $10.00. I thought that Federal law required them to provide this report? They use the same story every year so they do not have to provide it. By not being able to access my credit report, I have been denied credit to buy a home because of some information the bank told me that was on the report and I have no idea what it is. This denial is completely the fault of Equifax.

I have been a member of Equifax Credit Reporting since 2006 & usually whenever someone accesses my credit file, I receive an email alert so that I can view the file request & see if it is something I authorized or something fraudulent. On May 1, 2010, my credit file was accessed by a financial institution but I was never notified of this by Equifax when that occurred. I found out today when I looked at my information on the Equifax web site & saw that credit request. As it turns out, this credit file information request was appropriate since I had opened an account with that financial institution but suppose I hadn't, I would have had no idea that someone used my social security number for a credit check which is the purpose of me having their credit monitoring service.

Now on May 15, 2010, a charge appeared on my Capital One credit card i/a/o $ 79.95 from Equifax for the annual renewal of their credit monitoring service which given the fact they never notified me of the May 1 incident, the word 'monitoring' is a joke. My issue with this charge of $79.95 is that I was never given any advance notification of it. Equifax just processed the charge without giving me the opportunity to say 'yes or no' as far as renewing this service. Shouldn't I have been given the opportunity to make a decision as to whether or not I wanted to continue with them before they just 'assumed' that I wanted to renew for another year & charged my credit card for it? It's a good thing I was checking my credit card account for a refund; otherwise, I never would have noticed that charge either. When did Equifax take my notice of renewal rights away from me or is this something they just do whenever the mood strikes them ? I have sent Equifax an email about both of these issues today since calling them frustrates me to high heaven because none of their customer service(?) reps understand the English language.

On the point of not receiving the email notification about my credit file being accessed, that might have been someone trying to steal my personal identity, social security number or account numbers info again so that could have cost me a lot. I had that happen once which is the reason why I signed up for Equifax & their monitoring service. On the issue of not being given advanced notification on my Equifax renewal, it forces me to take it again for another year which may or may not have been my intent but I wasn't given the opportunity to give it any thought. They just took their money.

Where do I start? After reading some of the stories posted, I'm better off than some, worse than others, but we all share the same bottom line: Eqifax, which holds our future in their hands, is killing our credit with false reports. The problem started last year and I even went to get professional help to fix the problems on my report. My report was finally fixed and read fine in December of 2009, then February of 2010 the items showed back up on my report!

I have 1 home loan. They report I have two. The loan was with Countrywide, which we all know was taken over by Bank of America - now I try to refinance that loan and I can't even with BoA themselves. I don't know which agency is more defunct, BoA that holds my loan and is reading my report believing I have a 'phantom' 2nd loan because they read on the Equifax report that there are 2 loans through guess who: BoA; or Eqifax for not reporting the info correctly. It's a vicious circle between the two.

I was able to get my report, when I try to get my score however, that never comes through. I haven't been able to review my 'disputes'. Since I was denied a loan I get a free report, and I did get to see and print that immediately. As for the false stuff on my report that I have disputed, I received an email stating that the disputed items had been reviewed and I could click a link and see the report - that has not worked. I have no idea what my report says since I can't get back to it. TransUnion and Experian corrected the flaw within a matter of 10 business days. Money wasted, time wasted, can't refinance my home.

I applied for a loan and 30 days had gone by and I never heard of the decision on the loan. When I called the credit union to see what the status was they told me the Equifax had a fraud alert on my credit. I have been trying for the last week to find out who and how this got put on my report. The telephone number that's on their website for fraud alert is just an automated number. You can never get anyone on the line. There is no e-mail address to contact them. I need some assistance in finding a way to contact them in regards to this issue. The economic consequences is the credit union will not process my loan request until this fraud alert is verified. I can't verify anything if I'm not aware of it. In the meantime, no loan for me. I have a daughter in college and that loan was to help her out.

Basically, I paid for a credit record to be given to me straight away. After payment, I received an e-mail asking me for more details (passport copy and bank statement) which I scan and send on the same day to the company. And after almost 20 days, there is no answer and no credit record, Nothing has been done by Equifax, not even an e-mail. I have been told by the operator that it shouldn't take more than 48 hrs. After reception of the complement of information, can you explain to me why I am paying for a direct credit record and I have been asked to wait 48 hts? And also why after 20 days, I'm still waiting for it?

I called Equifax customer care to ask why I was charged $7.95 monthly. The system asked me to press #1 for English and #2 for Spanish--I pressed #1 for English. However, I went through a drill of questions in order to ID myself and so on (8 out of 10 questions I did not understand, because the English was so bad). I told the woman that I wish to speak to the supervisor. After a while, she came back again and she put me through to her supervisor. After three minutes waiting, the supervisor named Sony came on. Some service!

The supervisor came on the phone after three minutes and we went through the drill of questions in order to ID myself again to the supervisor (Sony). After so many questions, I told Sony all I wanted was why was I charged $7.95? He refused to give me information and told me that he was not going to give me anything until I provided more information on myself. I gave him my full name, SSN, address, and of course my birth date (which he said he has something else for my birthday). I asked him for a company phone number/someone above him and he refused to give me anything. So I told him good-bye.

I called another number and spoke to a young person who spoke English very well and he explained everything to me after I provided the same information to him that I gave the supervisor above. This person named Jeff was very helpful and helped me cancel the charges that were made on my credit card. Now I know why we hired folks out of the United States---cheap labor and customer service reduction. This same company (Equifax) charges us big dollars for their services but their service to us is very cheap and people who cannot speak English least (there is nothing we can do about it but complain).

Some of these complaints are put off to the trash can or off to the side. I just wish that they could at least hire folks that can speak English well enough to carry a conversation with customers. Equifax should do better this or hire our own citizens in the Untied States. This is one reason; we citizens are out of work. I hope that I never have to deal with Equifax or their customer care folks again. Bottom line is the service was so bad that I refused to call them again. Jeff tried to keep me on with this company and the reason why I was paying $7.95 sounded wonderful, but I refused to support a company like this that their customer service stinks (their customer service has a large amount of an undesirable quality).

The people at Equifax are not helpful whatsoever. They have old information, do not have any of my installment accounts, (credit cards, car loans, etc) and are keeping our credit score down. They are not helpful when you ask to speak to management. They will not assist you in fixing your account but they are quick to ruin your life. I don't think their office is in the U.S. and its very difficult to get through to them. Because they are not reporting accurate information, they are bringing my credit score down. They are 80 points lower than everyone else. When our credit score is average, it hurts us in enabling us to get the best rates.

I went to Equifax to get my yearly free credit report and somehow got signed up for an additional extra monthly fee of monthly credit score, which I have never recieved. 5 months later, after being charged a monthly fee of $7.95, I went to cancel the service and they told me I couldn't because the information I gave was not matching and they wanted me to make a copy of my drivers license and social security card and fax it to them. I could also email this to them now.

Really? How stupid do I look that these people can't even speak English and they want me to send them my information in order to stop this service? I have never had trouble with my information matching until now and they want to help me to get this fixed. There has to be another way and is this really legitimate?

I write with reference to the numerous mistakes that have been made by Equifax concerning charges that have been made to my Visa Card by Equifax that are totally incorrect. Equifax claim that my husband requested a service called Credit Watch in September of 2009, which he did not request, and as a result numerous charges of $12.99 and $14.99 were placed on my credit card by Equifax between October 2009 and March 2010. I disputed the charges via Wells Fargo Card services and as a result some of the charges were credited back to me. Again, I say neither I nor my husband requested this service, plus I have no idea how they obtained my credit card details as neither of us gave them to Equifax.

On the 9th April I received a letter from Wells Fargo Dispute Resolution stating that an amount of $14.95 was being investigated, the documents that were attached to this letter stated the cardholder to be a Christina ** of North Carolina, and the merchant information was EQUIFAX. The card account number was mine. On the 12th April I received another letter from Wells Fargo Dispute Resolution stating that an amount of $14.95 was being investigated, the documents that were attached to this letter stated the cardholder to be a Chantale ** from Virginia Beach, and the merchant information was EQUIFAX. He card account number was mine.

In my attempt to find the complaints department at Equifax on-line, I have read numerous stories from consumers who have experienced exactly what has happened to us. Equifax stating that the consumer has requested a service that the consumer did not request. There is no proof, nothing in writing just Equifax stating the service was requested.

I have requested a reply to this letter with answers as to how Equifax obtained my credit card information, plus why is my credit card attached to two other customers of Equifax. Today, the 22nd April I have made further phone calls to Equifax requesting some answers but once again am put through to a call center person who has no clue about anything and feels that Equifax are not responsible.

Equifax are supposed to be protecting consumer credit not taking money out of accounts and mixing consumer records so that other customers of Equifax have another consumers credit card details. In the past when I have written to Equifax I have never received a reply to anything, this speaks volumes. Having read the reams and reams of consumer complaints against Equifax it is more than obvious that they are a shambles and have to be investigated thoroughly. I really would appreciate a reply with some thoughts about this.

I am in touch with Wells Fargo Investigation department, as well as Nine News to see if somebody can act on this and get something done about them. I have attached copies of the recent letters that were sent to me by Wells Fargo Dispute Resolution Dept. Also the reply I sent back to them which include the case numbers of all three incidents. I have also sent a copy of this letter to your Atlanta Georgia address.

Equifax is a joke! On 3/5/2010, I went to a car dealership to purchase a car only to be told by the dealer that I did not have a credit score. I knew that information was incorrect because I had just purchased a vehicle and a motorcycle. Luckily for me, I had copies of my prior credit report. I typed a letter to Equifax and supplied them with all of the pertinent information. A copy of my identification, SS card and copies of the prior reports. Five calls later, I am still getting the runaround.

According to several of their incompetent customer service reps, who are from God knows where, I have two files that have to be merged and isn't it ironic the division that needs to repair the two files is never available? Insane! Equifax needs to be monitored. They are affecting people's lives and it costs us money, time and effort to have to repair the damage that they created. My next step today is to send a letter to the Federal Trade Commission, not sure what that will accomplish. But my personal experience needs to go on record!

On my credit report from Equifax, there shows a person that I do not know, listed as David **, the social security numbers are very close. He has financed a car and it is on my credit report, which is not helping me in getting any credit, I would like to have this person removed as this poses as a problem for me, any help you can give is appreciated. Thank you. Not be able to get credit.

I really don't know what's the problem with Equifax providing all this incorrect information on my credit report and sending this information to other reporting agencies. This has made me get denied from companies where I have applied for credit. I only have three things that are supposed to be on my credit and all three are in great standing with payments made on time and earlier for some. I pulled all my credit reports from all three bureaus to find out why I was being denied credit.

TransUnion said that I'm in good standing, Experian also said that I am in good standing but with alerts saying that Equifax has sent over some negative actives in their database. It has the wrong address where I supposedly have lived. It shows all these inquires from companies I have never applied at. I just recently sent Experian a dispute letter. Equifax just put on two of the accounts I have in good standing on my report with them, but still sending all this false information to other bureaus. On one of the reporting agencies, I owed Capital One credit card and the only way I found that out is when I just recently applied and was denied.

When I called Capital One credit card, I was told by one of their agents that the Social Security number that I had provided to her comes up in a different name and different state. It's out of their hands now and I need to contact the collection agent who put this on my credit report--and so I did. I was told by the creditor that it do shows up in a different name, but under my Social Security number. The best way to settle this mater in a quick manner is to take the settlement that they have been giving this person who is using my Social Security number and to have it removed off my credit report.

I told her that I am not calling to make any payment arrangements but to let them know that this is filed under my name and Social Security number. So she asked what was my name again and she asked me to spell it. Then, she said that she didn't see anything under that name but I still have to make this settlement to them anyway. And I told her, "Why would I want to pay someone else's debt?" She said that she didn't care, they are going to get the money out of me. I told her to go ahead and try and I am going to continue the investigation and hung up the phone. Something has got to be done concerning this matter. I need help immediately concerning this matter.

I cannot believe it is this hard to talk to a human at this number. I was on the phone for 3-1/2 hours trying to dispute a report on my credit and all I got was a recording trying to sell me my credit report which I just bought,and wanting a confirmation number which I could not find anywhere. What do they do with people who do not have internet? This is the most difficult place to get hold of a human and yet they have the power to make us or break us and it takes 6 months to get in touch with a human! GOD help us all!

Today, I received a letter from one of my creditors stating that they're terminating my account due to derogatory information reported on my credit report provided by Equifax. I have never been late on any payments, had public records, liens or collections. Equifax has again mixed up my identity and credit file with someone else's. This will be the third time in six years that I've had to work with Equifax to correct my credit file. It's very difficult to work with them since they don't provide you a number to call and all correspondence must be done by mail. The entire process takes at least a couple of months to complete.

My biggest complaint is that once I finally correct my file, they somehow managed to mess it up again. I don't understand how a credit reporting agency can mix up a person's identity with another. I understand that multiple people can have the same name and birthday, but people are also identified by their own social security numbers and driver's license numbers. How can an agency as large as Equifax manage to do this? Because of Equifax's mistakes, I've been victim to denial of credit and termination of credit. This is unacceptable and I hope to find resolution to this ongoing inconvenience.

For 5 years, I have been trying to get my Equifax credit report and every year, I go through the same hassle. They have yet to fix my report so that I can get it online for free I.A.W. The Fair Credit Reporting Act, they have yet to investigate previously disputed items and I can never get any assistance. Frustration and denial of credit.

I canceled my Equifax account a month ago. Found a new charge for $14.95, on my credit card. I tried calling them twice to dispute the charge. And 2 times I was disconnected by the computerized phone system! I was told no more charges past February!

I recently was denied credit due to Equifax not reporting and not releasing any of my information to my creditors. I have had absolutely no problems getting my reports from TransUnion or Experian. I paid for my credit score through TransUnion, only to receive a letter a week later stating that they couldn't help me because Equifax wouldn't release any information to them in order to get my score. They advised me to contact Equifax to get to the source of the problem.

So, since February 2010, I have been in contact with several rude customer service agents that will not, and I quote, "We are not at liberty to give you our extension number or to a supervising manager or to give you to the complaints department." I have exhausted every phone number I can find for this company, all with the same remarks!

All that I have been told is that they do not have an updated information on file and to either mail it to a P.O. Box address in Atlanta GA. or to fax it to several different fax numbers, which I have complied several times with way more personal information than they need to update my file. I have faxed it two different occasions at my expense and I have mailed it in two different occasions also at my expense.

When I try going online, I cannot get any information either. Every time I call to check my status, they give me the same runaround about they need updated information and will not tell me anything. So I explained to the person or persons on the phone that I have done so several times and I am not going to put my personal information in any more jeopardy by mailing or faxing it again. When they claim that they don't have it and they have never received it--and when I asked them where this information has gone because I have confirmation fax numbers, they tell me that they do not believe that I am the person I am claiming to be and that I probably never sent the information to begin with.

I have filed complaints with the Federal Trade Commissioner on two different occasions. I have also left several messages for the State Consumer Agency and the Better Business Bureau. I believe that I have exhausted every effort on my end to resolve this problem and do not know what more I can do. I have been trying to enroll in college to further my career as an RN and have been unable to do so because of Equifax. I cannot get credit anywhere do to this problem. Any help you can give me would be more than appreciated. It would be a miracle.

Got my credit report but Equifax personnel have quite a sense of humor or are completely illiterate. They have my name written very much like "Rosanna Danna Anna-D" When it is "Rosanna D". Can't get anywhere on the phone. Just recorded info and then disconnect. Online dispute doesn't allow for name corrections. Seems like the intentionally keep it crazy. What is really going on here? Seems like maybe their employees are organized gang members intentionally screwing up people's ID so that ID theft can happen. Obvious something isn't right and more than typos. Our government has not teeth and everyone knows it, and corps are jumping in. Heck, crime pays big.

I have tried to unfreeze my credit report with Equifax result was unsuccessful. I received a letter requested for additional information which I sent the information back on March 1, 2010. I have not heard anything back from Equifax and today is March 22, 2010 already.

I tried to unfreeze by the phone, it went through and I received a confirmation number but the third party said my credit was still freeze. I tried to contact Equifax by phone but only got through the automated machine. I'm so frustrated. I need this money for my new business. Please help. I wish Equifax has an online unfreeze like Experian.

I was denied a home mortgage loan due to the inaccurate information provided by Equifax Reporting agency. The report shows a person by the name of Joseantoni Juan ** with a birthdate of October 11, 1974. The loan mortgage company denied credit, decided on the fact that I was not the person on the credit report and credit information reporting.

After reviewing and disputing all inaccurate information, I was given a date of end of dispute of March 15, 2010. Which date was moved back several times by Equifax. I called Equifax to ask the status of the report that had the end date of March 15, 2010. I spoke to Sony over the phone, who did not have any information regarding the disputed items and did not offer any explanation of the occurrence. Sony did not know anything, but what was online, which I already knew. Sony was asked to give her last name and did not want to provide. I was then transferred over to a supervisor, who also repeated the same information that was given by Sony.

The staff in Equifax was very unprofessional and did not want to provide full name. The last person I spoke with basically said the same information and did not want to provide full name. At the end of the conversation, she just kept on saying she was ending the call. I was unable to contact Equifax corporate office due to the fact that no one with Equifax wanted to provide me with the phone number. Equifax has not cleared or verified information on the credit report. They have not called to speak with me regarding the identity or supply documents to support my identity.

Equifax is more interested in contacting other agencies that they have on my credit file. They do not verify information of the individual, before reporting it on the credit report. I am currently seeking legal advice regarding the credit information reported by Equifax. I am also currently in the process of filing an identity theft report with Chicago Police Department and a fraudulent report. Please advise if or what else I may do regarding my issue.

It has been a nightmare. I still have no idea how to get a copy of my credit report so that I can dispute their claims. I feel as though they are denying my claims on purpose in order to get me to pay their fees. Because I have been recently denied, they shouldn't be charging 10 dollars to see a report that I have a legal right to.

This company has my name with another person's social security number and their bad credit information. I am a college student with no credit. 4 times I have sent everything including my social security and driver's license number they ask for. Again, yesterday after the last time begging them to correct the information and including all documents, I get a letter asking for my social security card and driver's license which has been attached to every piece of correspondence. They are ruining my credit of which I have none. There is no phone number to contact. I don't know who to call. Please please help. Thank you.

My ex-husband had a car put up for repossession two years ago and I recently found out it had been reported on my credit by State Farm. I called State Farm and they verified I was not on the loan so I disputed it with TransUnion and they removed the report right away but I filed a dispute with Equifax and they said I was on the loan and that they could not remove the delinquency. I don't think they even investigated the dispute. I am going to file again through my credit reporting service and see if they can get something done but if they would actually investigate the claim, they wouldn't be bothered by several more disputes.

My husband and I are in the process of being pre-qualified to purchase a home. We have done everything to clean up our credit reports. Equifax is the only one isn't abiding by the bankruptcy law which is when a debt has been paid in the bankruptcy the debt is paid. The bankruptcy has been discharged and paid and removed because as of 12/2009 my ten years were up and removed. Equifax stated that since the BK isn't showing on the credit report, they need a copy of the discharge papers and a Schedule F.

This came down when I had to pay the debtor on 3/11/10 the amount already again to have my credit report updated. Trans Union and Experian updated with no problem and raised my credit score up, but Equifax will not answer their phones no matter which number you call and they don't respond to emails as well. This is a little complicated. I value my credit and financially in a position to buy a home. I don't have any other credit problems. This is the only glitch. Please investigate. Thank you in advance. I am spending so much time going back in to history of years ago. Still pending on home approval. This is really petty and bizarre.

My 15 year old daughter has a pay as you go phone. She has been receiving multiple calls regarding a credit issue that had nothing to do with her. Upon investigation, I was informed Equifax was the company trying to collect from someone unrelated to my family. When I called Equifax to inform them of the error, the woman was not helpful and pressed me to have my daughter's credit rating checked. She is 15. She has no credit. Then, the woman said I should have my credit rating checked. When I repeatedly informed her it had nothing to do with me and that they had the incorrect phone number, she said if I wasn't prepared to authorize her to check my credit, she couldn't help me.

After a very frustrating and long call, she gave me the number of the collection agency to contact. Unfortunately, she didn't bother to give me the Canadian number. If I ever should have a credit problem, or if any members of my family should have a credit problem, I will never, ever, if they were the last resort, use Equifax. These people definitely need a lesson in customer service. It would also help if their customer service representative had a working and intelligible command of the English language. I would also suggest a little homework on their part when setting up an account would prevent this type of occurrence. It is not that difficult to verify a phone number. And if I were in the business of financing a person unknown to me, you can be sure I would check all details prior to conducting any business.

After being denied credit for a car loan by four separate Lending Companies, each stated I was denied credit due to information reported by Equifax. I called Equifax on January 27, 2010 and ordered the 3&1 reports from Equifax. I was given a confirmation number. The funds were taken out of my bank the next day on 1/28/10. Since I asked to have the reports mailed, I was told to wait 7 to 10 business days. Upon not receiving the 3 reports (Trans Union, Experian & Equifax along with my credit score), I phoned again on February 15, 2010. I spoke with David he told me that for some reason the reports were not sent out, and the order was cancelled. I asked how could they cancel my order when the funds has already been taken from my bank account. David said that he would reissue the order and I was given another confirmation number.

Again, I was told to wait 7 to 10 business days to receive the newly ordered reports. Upon not receiving the second request for the reports, I sent a complaint email to the FTC (Federal Trade Commission) on February 24, 2010. I have not had any contact from them either. It is now March 10, 2010. I am out of the $39.95 taken from my bank account and have yet to receive the 3& 1 reports that I had initially requested on January 27, 2010. It has been 43 days / 31 business days. Please help me in receiving these reports so that I will be able to find out what negative issues are showing up on my Equifax report.

Equifax sucks. I wish there was a way to put them out of business. They score me 120 points lower than Transunion. Their information is so outdated. I call and get no help. I fax them forms to have my file updated but they don't act on it. They are a rip off - $23.95 to see my credit score each time!! They have cost me so much money in higher interest.

They ask insane questions to verify identity - details from 10 years ago that are meaningless now and won't let you proceed if you miss one answer. Why lenders use them is astounding since they are so inaccurate. My ex-employer and ex-wife are still on file from 6 years ago. Insane. Whoever is leading them down this path of terrible service should be lynched or fired.

I was declined for several credit check situations and all were reported back to Equifax. After several attempts to contact them through phone and online, it kept giving me the same response: "We're sorry, for your protection we are unable to deliver your credit report." After several more attempts, I finally tried by giving them payment and ordering the tracking service. Then they let me see it in which there is wrong information. This is wrong!

Equifax insists I am not who I am and refuses to give me my report. I have had no problem getting my report from Experian.

I tried to obtain a credit report from Equifax online yesterday, as a result of a credit denial by Capital One Bank. The letter received from that last-named institution gave us grounds to think that the Equifax Credit file might contain false or wrong information about my wife. The Equifax web page is not too user-friendly; most likely, they try to sell you their products. Although you are entitled to a free credit report as a result of a credit denial, they guide you to the place where you can get a free credit report as a result of Credit Federal Legislation. These two causes for free credit report request are different, but apparently, they try to make them the same.

Finally, I started the request until you get to a page that asks you to answer some questions that "only you can know the answers." These are questions obtained from the information they keep on file. Obviously, you would know the answers if the information related to the questions was information you knew. But what about the answers when the questions relate to information that has been falsely added to your file and you do not know anything about that? Well, you cannot answer the questions. Then you receive a message telling you that a report is not available to you at this time and instructs you to call customer care at a 1-866 telephone number.

I waited until the next day. The telephone system gives you two choices: 1 for English and 2 for Spanish. After pressing 2 for Spanish, we had the following reply: "Your call cannot be completed at this dial. Check the number and try again." Of course, you do not know the number. You pressed only a number 2. So I repeated the call. This time in English. My wife does not speak English, so I tried to speak on her behalf.

The first representative whose name was Sunil was rude, did not solve any problem, and indicated us to call 1800. The second representative I spoke with, Ann, took the information and told us to go back to the online system and that she had done her part at that terminal. We thanked her for her help, just only to find that after repeating the process, we were denied again the report and asked to call to that 1-800 number.

We tried again, called, and this time, spoke with Veronica, who told us they did not permit conversations through speakerphone and transferred us to Christy who is a Spanish speaker representative. Although she was nice, she told us there was nothing she could do, because we were unable to recognize details about a certain car loan that apparently they have on file and we have never had or requested. In consequence, we had to go to the 1-800 or make the request by mail. A lot of time was lost, and the frustration was growing.

The 1800. This is an automated system with a lot of recorded information that makes the process confusing. After some time of unrelated speech, it tells you that "If you have been denied credit, please visit our website to view a free copy of your credit file as allowed for credit legislation." What an irony. The website sends you to the telephone system, and the telephone system sends you to the website. As you can see in the address, this page is the one that gives access to a one free annual credit report by Federal Legislation and not the one that gives you a free credit report for denial of credit.

Anyway, it tells you later "Or if you want to continue with this automated system, to hear your state's fee, please press one. If you would like to add a fraud or active duty alert or request a copy of your Equifax credit file or credit score, please press 2. If you have a copy of the credit file used for employment purposes, please press 3. If you are unemployed or a welfare recipient, please press 4. If you are calling to request your free annual credit file disclosure under the fact act amendment to the fair credit reporting act, please press 5. If your are visually impaired and needs access to the credit file, please press 7 If you are calling on behalf a minor child, please press 8."

You have no choice. You have to click number 5, and immediately you gave up one free report like in a Harry Potter movie. But wait, your headaches have not finished. They will get some information from you and still will give you a confusing long message telling you to send a copy of the letter that informed you of the denial. They will mention the $10.80 they charge for the report fee in your state, and the $7:50 they charge for the FICO rate, I guess, in the hope that you get confused and send them those amounts.

Then they put even more pressure and start mentioning documents you must send them, starting with an illegal request of a copy of your Social Security Card and finishing with others, among them, a copy of your license, copy of W-2 forms, etc., etc. So, at the end, it was not an online request that got an instant answer, not even a telephone request that could have provided you with an immediate mail answer, but a theater act to make the process difficult and lengthy and that discourages its use by any customer. After all, they collected their fees already from the merchants that bought the first report.

You will still have to wait 15 days for them to process your request, 5 days in the mail, and, who knows if they wish to request you some other information that delay still more the process? It is frustrating, it is lengthy, it is humiliating, and it is abusive. It should be illegal; it should be penalized. It should lead to a shutdown of that Company, because they have received too many times warnings, fines, and penalties from the Government. When it all stops? I came to a web page that has 54 pages full of complaints.

Even Wikipedia gives this information "Retail Credit Company's extensive information holdings and its willingness to sell them to anyone, attracted criticism of the company in the 1960s and 1970s. These included that it collected ... facts, statistics, inaccuracies and rumors about virtually every phase of a person's life--his marital troubles, jobs, school history, childhood, sex life, and political activities. The company was also alleged to reward its employees for collecting negative information on consumers."

As a result, when the company moved to computerize its records, which would lead to much wider availability of the personal information it held, the US Congress held hearings in 1970. These led to the enactment of the Fair Credit Reporting Act in the same year which gave consumers rights regarding information stored about them in corporate databanks. It is alleged that the hearings prompted the Retail Credit Company to change its name to Equifax in 1975 to improve its image.

It was still 2009, and the same happens the same. Would they invest too much money in lobbying or buying politicians? Customer care doesn't tell you, but it appears to be originated in Southeast Asia based on the accent of their representatives. Apparently, they can do very little for you.

I will keep this report and post it in every place I can in the internet. I will send this complaint to the Federal Credit Commission and to the Protection Consumer Commissions of New York and Georgia. We have never authorized them to collect information on us or to keep a file on us. That should be banned for being a very unfair and dangerous practice. We never agreed on them to keep information on us and much less to provide or sell information related to our lives.

Still, they do not care, and they make errors and are reluctant to correct those errors. They make our lives miserable and make money, big money, doing this. I think that we should be entitled to do the same to them. I told one of those representatives that it was shameful that this company could find employees whose work was to make the lives of other human beings difficult and that it was a shame that this kind of company could find employees willing to do a dirty job for a salary.

So I guess that the employees are a part of this shame that should be barred from everywhere. Their only concern is to sell you services, to make money. It does not matter which is the path that conduces to a profit or how many people get harmed in the way.

I will demand them to reply to our requests, to provide us with the credit report, and to make the necessary corrections. I will pursue any avenue if they try to make this process more difficult, and I will report them again and again and again. I hope that at some point, they will be stopped; and I want to contribute to that.

The nice folks at Equifax have refused to remove a negative mark on my credit report that has been their for 17 years. The SOL was 7 years ago. The other two credit reporting agencies were more willing to remove this outdated info from my report. Equifax on the other hand are unwilling and very difficult to deal with. They have nothing to gain by reporting this but I have a spot in a federal government job to possibly be excluded from due to their reporting.

Equifax feels that 17 years isn't enough time for my suffering and that I should have it tattooed to my forehead for life. Makes one ask the question what is fair credit reporting from a private company. Thank god for the outsourcing to India, which makes resolving the issue that much easier. What does the general do when dealing with a company who has no ability to understand what is being said? Boneheads with nothing to lose and nothing to gain and a bunch of outdated info in which they feel is their right to report. The best part is they're even showing my place of employment from 18 years ago. Nice to see they're up on things.

After having my wallet stolen, I decided to freeze my credit for a few months just in case. I filed a credit freeze with Equifax online. After a few error messages from their terrible website, I was able to complete the process. When it came time for me to save the "required" information needed to remove the freeze at a later date, the information did not display on my screen.

After hunting for an inordinate amount of time, I was able to find general contact number for Equifax. After going through several menus that had nothing to do with my problem, I was connected to the most incompetent, rudest person to whom I have ever spoken. Despite my explaining the problem at least four different ways, he never understood that I just wanted technical support or the answer to the simple question that if the information does not display, am I going to be able to remove the freeze later? He instead first tried to sell me another freeze. Then, he wanted me to verify all the information on my credit report, which was not at all relevant to the problem at hand.

When I asked for a supervisor because he obviously didn't understand me at all, he was extremely rude and refused to transfer me. I ended up hanging up on him. Equifax is very difficult to contact with problems and complaints, most likely because they don't care. But I am furious that by simply trying to protect myself, and because of their complete incompetence all around, I may have locked up my credit.

Since losing my high salary job in 2008, I have been trying to clear my Equifax file of misinformation. I was CEO of a trade association and had credit cards (company) with my name on them. After I was gone, the company repeatedly failed to pay their bills on time, and this information was added to my personal credit file. I am frustrated and angry that this misinformation is negatively affecting my credit score.

Equifax removed 2 of the errors so far, however, 1 more which is the largest and most serious negative misinformation is still on my report. I know for a fact it is not mine, but that of my previous employer. What can I do?

I don't have the credit card # in full to contact Capitol One directly in order to clarify all of this. I need help and Equifax is of no help whatsoever. They have ruined my excellent credit and it has adversely impacted my life! I have lost 2 of my oldest credit accounts (Discover and Citibank). I have had my Sears account credit limit cut by more than half. I was unable to get a new credit card from my Credit Union to pay off 1 card at a lower interest rate. My credit score went down by nearly 100 points from what it should be with Equifax. I am working full time at a job that pays 1/3 of what I used to make and now that company has also ruined my credit!

I recently bought a new car and found my credit score with Equifax had dropped over 120 points. It appears that Equifax allowed another man, with bad credit, on my credit report. I tried to call them and I've completed and sent and e-mail complaint form. Equifax sent me an e-mail that allows me to view the results of their investigation. The problem is Equifax asked me some qualifying questions before I could view the results. One of the questions was about where I once lived. The choices I had to choose from were all towns and streets in Florida. I've never been to Florida, much less lived there.

Since I wasn't able to answer the address questions correctly, I wasn't allowed to view the investigation results. The other person that has appeared on my credit report is from Florida. I can't get in touch with a real person from Equifax nor can I access the investigation. It seems to me that Equifax is running some kind of racket. They would be more helpful if I paid them $7.95 per month. It also seems that I may have to pay them to protect me from them. My credit score dropped dramatically which affected my buying power and may have affected my car insurance premium. Any help from you is greatly appreciated.

I have had my id and information used and was entered into Experian in approx. 1999 and my information and id was used in between 2006 and 2009 I have been fighting this for a very long time and came to the conclusion I am a victim of id theft. I found some information of the person of interest that used my id. It was on an Experian report here was the information of the party that I would like to take action towards.

I have tried to make contact with this lady and appears she must of moved. I would like to know where this person is and bring her into custody for that I would like to interview her and get questions answered and have her arrested for damages to myself. Also, I have asked TransUnion and Equifax to send updated reports and they have yet replied or sent my request. I would like a settlement offer from TransUnion and Equifax for negative items and failing to provide my request. I feel violated and when are they going to settle this out of court. Thanks. Emotional distress, job problems and buying and purchase items since this ID theft and false reports damage from Equifax and TransUnion. I want a settlement now and this person brought to justice!

I had recently applied for a mortgage loan, and to my surprise, my score with Equifax was 110 points lower than the other 2 credit reports. How could that be? My loan officer could not understand it either, since we checked all the information on all 3 of them and they all looked alike. After sending emails and getting no answer from Equifax, I'd called them, and I could not get anywhere with them.

They were asking me personal information to verify my identity. But after answering the first 5 questions right, on the 6th question, I've told them that that information was wrong and they kept telling me that that's what they had on file; therefore, they could not help me even though I asked them how I could fix that. All they said was to write a letter requesting to fix the info. I cannot believe the runaround this people are giving me, when they well know it is their fault. Thank goodness for my loan officer who said that Equifax is the worst, and they understand.

Equifax has continually posted inaccurate information on my credit report. I have sent complaint forms to them. Nothing has changed. Transunion and Experian have it correct the majority of the time. My scores with Transunion and Experian are almost 90 points higher than Equifax. But unfortunately most lenders look at the combined scores. I have items on listed on Equifax that were not included in my bankruptcy 9 yrs ago, like a mortgage with CTX, Chase Manhattan, etc The information is very inaccurate. I don't know how anybody is going to qualify for loans anymore with the complete lack of responsibility on credit reporting agencies like Equifax.

Equifax's Credit Watch service failed to send me 10 e-mail alerts for over the course of more than a year. The alerts, for larger-than-usual increases on credit card balances were listed on their website, but Equifax suddenly failed to notify me by email as they had for years before. After calling-in to correct the problem, I called again to request a credit for failing to provide the service I was paying for.

The rep, Gissele, who mumbled through a barely intelligible accent, refused to credit my account, so I told her to cancel the service. She put me on hold, came back and said she could credit me for the annual service fee not used since the statement dates, "October 12, September 12, November 12, December 12, January 12." After pointing out that September comes before October, I asked to talk to her supervisor. She said her supervisor was busy and would have to call me back. I never received the call back.

I check all my credit card accounts regularly online to download transactions, so what alerts Equifax provided was always old news. They provide an annual credit report as part of the account, but everyone can get that annually for free from them and the other two credit reporting services. In summary, an essentially useless service that they charge money for but nonetheless fail to provide, combined with a rock-bottom level of customer service. Equifax? Save your money and stay away.

One of my credit card called me. It was discrepancy in my credit report as they told. I found Equifax online and paid one time fee to see what my account looks like. After everything was straighten out, I forgot about Equifax. It was in November 2009. For some reason, they decided to charge me for Dec and Jan too. I never received any statements from them that I have to pay monthly fee and what is most important, I didn't use their services (if there were any) at all except that first time I needed. Last time, I was charged on Jan 13 according to my bank statement. Equifax told me they cannot refund any money to me even if I didn't use their service or like in my case had no idea that they would charge me monthly. I paid $14.95 for Dec and same for Jan.

I called to inquire why I could not receive my credit report online as I had purchased a 3 in 1 report for a trial period in which they would charge me $14.95. When I told them this, they still asked for my name, SS#, DOB, and wanted me to give them a list of everything on my credit profile. Needless to say, I was refused my credit report because I did know the creditors. I have a few because of past bankruptcy--trying to clear my credit up and be more responsible. Now, this money will probably come out of my account even though I got absolutely nothing! What should I do? I asked to talk to an English-speaking supervisor because I could barely understand the one whom I was speaking to--who was from India--and I was refused. What is the deal with these credit agencies? I am ticked.