Equifax

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Equifax can't keep anything straight ... and doesn't seem to try very hard. For the second time, the company has been penalized by the Federal Trade Commission for not responding to consumer inquiries. That will come as no news to the hundreds who've written to us, including those below:

agustin of jacksonville, FL February 4, 2010

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 therefor they could not help me even though I asked them how could i fix that and all they said was to write a letter requesting to fix the info. I can not believe the run around this people are giving me when they well know is their fault. Thank goodness for my loan officer which she says that Equifax is the worst and they understand.

Alexander of Valdosta, GA January 31, 2010

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 Manhatten etc... The information is very inaccurate. i don't know how anybody is going to qualify for loans anymore with the complete lack of responsibilty on credit reporting agencies like equifax.

Clarence of Sebastopol, CA January 22, 2010

Equifax' 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. 18 months at 49.95/year down the drain for nothing.

Irina of Brooklyn, NY January 20, 2010

One of my credit card called me, it was descrepancy in my credit report as they told. I found equifax on-line and paid one time fee to see what's 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 exept 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 smth monthly. I paid 14.95 for Dec and same for Jan

Stephanie of Crystal River, FL January 18, 2010

Called to inquire why I could not recieve my credir 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 still asked for my name, ss#, and 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 few because of past bankruptcy and trying to clear my credit up and be MORE responsible. Now this money will prolly 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.

Delia of Maspeth, NY January 4, 2010

I had a credit with Verizon two years ago, I Kept the agree and it is the only credit that I have had in this Country. At the end of 2008 I asked Equifax for my Annual Credit Report and actualize my information. But now they told me that I have a mortgage loan in/or around April 2004. I have never had mortgage loan. I am worried with this situation and I don't know hat I have to do.

Ruth of Deerfield Beach, FL December 28, 2009

I sent them all the information to unfreeze my credit and they are refusing to do so without a pin code -which I do not have- I need this to be done so I can lease an auto - they have all the information. why give me this hard time?

david of Derry, NH December 28, 2009

There were many errors on my credit report. They all refused to delete the ones, {bills} off my credit file! The bills that were paid in full! They tell me I have to wait 6 years for them to delete them. I haven't been able to buy a house, buy a bed, rent a apt. Months of fighting with them, I get no results.

Laurie of Chula Vista, CA December 25, 2009

A credit account that was investigated by Equifax 3-16-06, and deleted from my credit file with them, remained on Trans-Union credit file. Repeatedly every day, I kept getting collection calls from Portfolio Recovery. I was never mailed proof that the debt was valid, despite requests. I was informed that they would win in a court case, and convinced that a court case would be filed.

My disability income was at threat to be garnished by this recovery agency. I was guilted into making 1,570.00 of a payment for an account that does not reflect on my Experian or Equifax credit profiles. I am on a disability income and greatly inconvenienced of monies that I should not have been deceived of by this parasitic collection company. There is a website that details many other people deceived of monies by this collection company.

I have contacted the Attorney Generals of the State of Virginia (location of Portfolio Recovery) and of my state California. This collection company should be indepthly investigated, and their business license terminated, and the victims of extortion refunded their monies with interest. Trans-Union should also be investigated for their professional negligence.

I have requested a refund of my 1,570.00 and 18% interest from this recovery agency. Trans-Union should also pay a penalty to me for allowing this adverse and very outdated file on my credit report. I do have the papers to reflect of my claims. My disability is epilepsy and I also have medical expenses related to breast cancer that I am in hardship of paying on due to this extortion by Portfolio Recovery.

Financially restricted to limit my food purchases, public bus travel expenses, and medications. My rental rate and utility rates have increased, and this has caused GREAT hardship. I should be refunded the monies. I was not in a 'living on the edge' status prior to this.

Harriet of Havertown, PA December 22, 2009

Several years ago I noticed that some closed/paid in full accounts were reporting as open. I initiated the proper disputes, was found to be correct, and the accounts were marked closed. Should have been end of story. Equifax never closed the actual disputes, and when I pull my own credit report as a consumer, I can't see that the disputes are open. So in December 2009, I apply for a mortgage for a house I am purchasing. The rate was 5.125%, with low closing costs because I my score was 721 (reasonably decent). Except that when the report was reviewed, I was told I can't get a conventional 30-year mortgage because although my scores are fine, the disputes were never closed by Equifax, and Fannie Mae does not purchase mortgages from mortgage companies if the consumer has open disputes.

These disputes should have been closed years ago. As a result, I spent hours on the phone with each of the three bureaus to make sure that no unresolved disputes remain. Equifax said they would be corrected by 12/21/2009. So the mortgage company repulls my credit and finds the disputes are still there as open. I spend more hours on the phone, and finally they are marked closed.. but the mortgage company has to repull the numbers yet again. With multiple pulls, my score dropped seven points - forcing me into a lower Fannie Mae underwriting band with an additional 1,180 in costs because I am now "more risky" because my score was lower. In addition, the interest rates have gone up, so because Equifax didn't close the disputes years ago when they should have, obtaining and paying for this mortgage will now cost me over 7,700 more than it would have.

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