Equifax

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.

Equifax continue aide and abed criminal a company in placing false information on my credit report.

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 8/31/2007. Florida Phone Service went out of business in its entirety 11/21/2007.

I checked my credit report 7/2010 and found DGM Financial Group, Inc. filed one of the very same debts I paid in 2007 on my report 6/2010. They claimed 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.

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 10/27/2010. I had my lawyer file suit against them and shortly there after.

5/2011 I pull 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 on 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 get a descent 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, 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 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.

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 1353 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 some one 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 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.

I had a fraulent 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 physicians 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 Merchants Credit and Equifax Credit Bureau multiple, 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.

managed to take off all the high amounts of ccredit I had and left an old credit cared from 1978 with a 300.00 ccredit line. How could they be so stupid as to do something like that.

Americans. Who thought this was going to be such a good idea. These jobs should have gone to Americans not Indians.

Because i was unable to ever get through to equifax thats the credit bureau equifax i decided to join there monthly service. I still cant get in touch with them and they sold my email aadress to every spammer in the world. by law they have got to provide you for free a credit every year as do trans union and experian. These companies do whatever they want and nobody has any control over them. They hold power over every american citizen and we cant 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 every one did this spam would last about 1 day because if not for these companies hiring these criminals to break into our private property and damage it they would stop.

have no access to my credit report. I refuse to continue to pay there service after they sold my email to a bunch of criminals. no goverment regulation of the credit industry. if you think there is try and use it. The federal trade commishion is a joke. when you submit a report to them it doesnt even get read. they post it in a chat room. no one knows exist. every other goverment agency refers you to them. then they refer you back to other agency till 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 were 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 on line it clearly shows that I have available credit. Citi Bank 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

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 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.

I had a credit with Verizon two years ago, I kept the agreement 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 a mortgage loan. I am worried with this situation and I don't know what I have to do. You know how very delicate the situation of the credit in this country and I had lost two excellent opportunities of work because of that.

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?

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.

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.

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.

I have been going on and on and on in trying to fix errors on my Equifax Credit File. I have even listed a previous complaint on here a couple weeks ago. Today, NEW ONE: I am signed up with Equifax "score watch" , meaning, each time my Fico score changes, i am sent an email to the effect. However, that hasnt been happening. I log onto Equifax daily to check disputes i have filed. I watch my Fico score change daily, yet, i havent been getting email alerts notifying me of the changes.

Yesterday, Dec 21, i called Equifax to verify they recieved information i sent via regular mail, notifying them of a change of address. I did this in response to a dispute i filed with equifax, it showed me on the site that the investigation has been completed and i am being "mailed" the results. I wanted to make sure they have my updated address i sent along with a copy of my drivers license, a copy of my current lease agreement with my apartments etc. The representative, of course in India, barely understood me. He stated they recieved my change of address to reflect what i sent them. All was correct except for the city, they have it as Charlotte, NC where as it should be Concord, NC.

I expressed outrage that my credit report is being sent to someone in charlotte, how equifax is SO incompetent with credit information. He explained to me that they only list what is sent to them. WELL, this didnt make since being that my drivers license clearly shows Concord, NC as well as my Lease agreement. Never the less, he made the changes. TODAY, i logged into equifax, i have an alert that my fico score has dropped some 40 points, the reason they usually give is very vague. it states that changes were made on my credit report on December 22 which lowered my score.

after reviewing my updated report, the ONLY change was made is the change of my address from yesterday. Equifax's website even states that address changes cannot and will not lower or raise your fico score. HOWEVER being that the address change was the ONLY change made in the past week, this is the only explanation for the change. i called equifax, and spoke to someone, OF COURSE, once again, in India. she had me on hold 24 minutes before hanging up on me. I called back, got another rep in "india" ( you got it), explained once again the problem with the fico score lowering, she stated she didnt see any changes that should have lowered my score, but she couldnt see everything so she was going to transfer me to someone else that could "dig further" into the file.

i was placed on hold 20 minutes, and was transfered to someone in sales trying to upsale me on my products and programs. She was constantly reading a sales pitch script,not listening to me or hearing my concern as if she probably didnt understand me either. I AM LIVID WITH EQUIFAX AS WELL AS FICO. I have even emailed Fico company several times my complaints and questionings as to how the calculate there scores. They must feel they owe us the consumers no explanation at all because they are "flawless", i have never ONCE recieved a reply back from them screwballs.

our scores change daily, yet no one can tell us exactly why or what caused it to change and we are supose to accept "computer calculations" ? ok, ill accept that, but tell me what the calculations ARE? what "exactly" are you calculating to drop my score 40 points with no reason other then an address change?

I am even MORE upset with our government for allowing this to happen. How can you allow equifax to outsource our credit reports to another country? that alone should be national security. i dont want someone in another country having access to my personal information. Not to mention, when you call them upset and wanting explanations with your credit file, they dont understand you, they read scripts and simply try to upsale you with something..WHEN IS THE GOVERNMENT GOING TO CHANGE THINGS?

Used Equifax in 07, 08 & 09 for "Free Credit Report" Satisfied with report each year. Recently billed $149.95 for Equifax services. Called and informed i was "receiving 3 in one Monitoring ". I did not request this service nor have I received any reports. Requested cancellation and refund. Apparently during the process of requesting the free credit report Equifax signs one up for this service without their knowledge.

I applied for a loan for a new car. With my current credit score (that I told them) I had the option of refinancing my existing car payment into the same loan with my new car. Great, until my bank pulled my credit score. 21 points lower than it is. I immediately checked my score on the 3in1 product I have from Equifax and it shows the correct score. So I call Equifax and they tell me again the correct score. Must be a mistake right? No, I have my bank pull my score again and it shows up 21 points lower AGAIN.

I call Equifax AGAIN and they tell me that it's "impossible". They offer me no solutions and simply tell me it can't be the way that it is. I go to my bank and show them my credit score from my Equifax 3in1 Monitoring but they won't accept it that way, I call Equifax right in front of them and authorized Equifax to speak with the bank rep, Equifax hears that my score is showing 21 points lower when my bank pulls it and still, they will do nothing. On top of that my bank, even after speaking with Equifax and hearing the correct score will not do anything until they can pull my correct score online!!

This is ridiculous and after 5 calls to them I have no solutions.. only that it's "impossible". I am filing a complaint to them, but that could take months and my family and I are in a bind here. I can't afford to get another car unless I can refinance the one I have, which would be no problem if my score would show correctly!! My wife and daughter are without a car and my work is over 40 miles away!! This situation is "impossible" to quote the idiots working for Equifax.

I requested my credit score by phone and charged the $7.95 to my debit card. They gave me a confirmation # but the called was conveniently dropped before I was given their "order #". I never received the score but was charged the $7.95. I called Equifax and they informed me that they had no record of me ordering my score. Even with my confirmation # and my debit card number, they could not locate the order.

I have been trying to refinance my home. I was told by one of the prospected loan companies that I had negative information on my credit file with Equifax. I have for years had a member account with equifax to log in and inspect my credit information. I attempted to log in and was told the system was unavailable to try back later.

I contacted equifax by phone only to talk to a call center somewhere overseas. I was told it would be fixed and to try to log in again in 3 days. After 3 days i still could not access my credit file information. Over the next 2 weeks I contacted them 3 more times each time being told it was a technical issue and allow 48 more hours to fix it.

As of the date of this complaint I am supposed to wait another 48 hours for it to be corrected. I am unable to obtain a lower mortgage rate and am being told my program options are limited due to the information being provided by equifax to businesses but being hidden from me.

Equifax should not have the power to establish credit scores on individuals. The frequency with which a person applies for credit does not have anything to do with late or non payment of accounts. They are therefore empowered to prevent good paying people from obtaining credit based on their scores, which in most cases are outdated or non valid. They additionally do not remove items which they have put there in error, thereby falsely report to lending firms. Their system should only be for reporting late payments or deliquency for non-payment. This would in return remove lending sharks like Money Mart and others. This would also force the banks to rely on there rapore with their customers.

Where do i begin? so many complaints: for the past year, i have been trying to repair my credit, disputing innacuracies etc. I have been successful in getting several items removed, but a few are still troublesome.

1. there is a utility bill under collections as a "charge off"..it stats service was disconnected per consumers request. That was several years ago.. i was living in a rental house and PSNC energy of north carolina was the gas provider. when i moved, i went to the office , had services turned off and paid my final bill.. wasnt until last year reviewing my credit i seen they did NOT turn services off when i requested, rather a month or two later allowing the new tenants of the rental house to use my services. i disputed many times with equifax, even sent them a copy of my new lease when i moved showing the date i moved out of the residence. to date, they have still not taken it off the report.

2. there are 3 medical bills to an emergency room in Charlotte, NC..those visits were due to an injury i sustained while on vacation at a hotel. the hotel paid the medical bills, i even have a signed letter from my attorney showing the bills were paid. i sent that letter to equifax and the original creditor ( medical provider) and they STILL will not remove from my credit file...

3. lately, i have one credit card with first premier bank, i have been paying on time, have receipts, equifax shows that account under "closed accounts" in collections yet that file shows "pays as agreed", ok, if its paid as agreed, how is it showing 90 days delequent and as a closed account? i contacted First Premier, they told me its up to date and accurate, that i am not with a closed account and that the payments ARE current and told me its a problem with Equifax and i need to dispute it and have them ( equifax) fix the problem. i have been trying that now for 20 days, and equifax is telling ME that its first premiers problem, they only report what is told to them, yet i told the equifax representative to 3 way conference call with me and First Premier NOW to get this resolved, they refused. so , bottom line, equifax does NOT do a proper or thorough investigations, they do NOT take what proof you have as viable information and will NOT remove erros you know for a fact that are false and you have 100% proof and can validate the info is false. Equifax needs to be shut down by the government!

They are making unauthorized charges of $29.95 on my Discover card. Discover card is not disputing these charges. Pain and suffereing for 4 months, plus $29.95 charged 4 times to my acocunt. It is still not resolved after all this time.

Equifax without my consent or request placed a freeze on my account.

Equifax representatives admitted that the monitoring service that I pay them for (ID Patrol) is the technical reason why they froze my account.

On three different dates they have agreed that this was their problem and that they would fix the situtation in certain amounts of time. One recent call they gave me a urgency confirmation number of 1-3210907568.

I was informed that this number would request urgency from their technical department to un freeze my account. The last time I spoke with them the rep stated I would be contacted in 24 hours. No contact has been made well past the 24 hour period.

First of all, when applying for the credit freeze there is nothing on the website indicating that you will actually have to contact them via mail to have the credit freeze lifted. Second of all, the PDF page they sent me with my 10 digit PIN number did not contain a PIN number, so now I have to send them a photocopy of my license and SSN number to first receive the PIN number, at which time I have to send them ANOTHER letter, again with a copy of my license, SSN number, and the PIN they sent me to get the security freeze removed.

I, like the other people who have complained about Equifax, don't understand how sending them personal information via mail is safe. And their customer service is, at best, awful. In the age of internet technology, I have to physically MAIL them my information? That's ridiculous.

I am pretty mad about all of this because, when setting up utilities for my new apartment they could not access my credit because they only use Equifax to check credit reports I had to pay extra deposits or I have to go set the utilities up in person, something I absolutely don't have time for. Isn't it time that Equifax was penalized for being what I consider a very bad business?

Disputed an erroneous account on my credit report. Never received any notice of investigation or the results of the investigation they are legally required to undertake. Had my credit report run today and this damaging data was still present on my credit report. My rights and trust have been violated and my credit score has dropped 100 points due to this deliberately inaccurate reporting of my credit history.

Someone called me from eqifax, 200 dollars was taken from my bank acount. I have tried to solve this matter. I also spoke to my lawyer about this matter. over drafts we're charged to me because equifax took 200 dollars from my acount. The person i spoke to on the phone was askin me personal information about me. I explained to the person that money was taken from my acount with out my authority. I want to know who is usin my name and who is going into my acount. How can someone just go ito someones bank acount and take what is not there's asap response.

I bought a credit score and report in February 2009. For 8 months they said they could not verify the account which meant they couldn't send me a report. They also couldn't cancel my monthly fee since they couldn't verify the report. I called each month to try to cancel the report and they refused. Finally in November I got someone to verify the report so I could go online to view, and once I got to equifax.com it said I had to pay another $14.95 to get a report. I just want my money back for the $120.00 they have taken from my account.

Argos Mastercard rejected my application for credit card quoting adverse credit report from Equifax. To check I took free check of Equifax. Saw nothing wrong. Opted out from my subscription to equifax 3 days before first month ended going on their website. Tried to call equifax. No one picked up the phone. Equifax went ahead and took 6.95 from my Credit Card. Has asked my Credit Card to recollect the amount and block any collection by Equifax in future.

I have been trying to get them to remove a disputed item. It is a federal tax lien filed 10/92 and states the last refiling date as 11/96 which they did not do. However, I paid the lien off and furnished Equifax with a notarized statement from an accounting firm. I have talked to several people but I can barely understand them. Last week on the same day I spoke to 2 women who told me the item had been removed from my file. Then Suntrust mortgage pulled credit reports a week later and found it is still on there. Nothing I say seems to matter and all I get is a wait, wait. I am at the point of hiring an attorney to file suit against them. In the meantime, our mortgage application cannot proceed as long as the disputed item remains.

I foolishly am a member of the Equifax triple rewards program, which I refuse to renew. After four days of lengthily phone calls, including speaking with supervisors, Equifax can not figure out how to unlock my credit report. I am an upstanding consumer who is fierce in regard to my finacial standing and now can not apply for a loan for emergency home repairs.

Equifax is reporting falsely to my potential lenders,has been doing so every since april 2006.Although,the company had requested them to remove their reporting about me.

The 2nd time, they claimed it was being reported correctly. Thats not possible, I get a statement each month, call for payoffs, and have made every payment on time since my bankruptcy. I also spoke with CPS, INc. and they have no knowledge of Equifax's reporting. This 3rd time, I have not gotten any response, and they don't have an open customer service line in which to make complaints to a real live person.

I am baffled as to the new procedure for disputing on line with Equifax! Having to fax in information within 24 hours of the dispute is perposterous. If only 50% of Americans have computers; how many have access to fax machines? Moreover, at the rate of inaccuracies which seem far higher on the reports of those who live at poverty line or less; how many of these people have the documents that they list as necessary? In one word, ABSURD!

My second complaint seems to be echoed on the topic and that is the nonexistance of a phone number to reach a human being at Experian! The fact that you have to have a report inorder to have a report number yet many people are trying to call due to a random security freeze that only a live person could assist them to remove is a cruel joke.

Those of us who have the money to purchase a report might concede out of exhaustion. What alternative do those who do not have the money to order a report do? These barriers beget apathy. The last thing that our world needs is one more person throwing up their hands in defeat. How do we expect the current downward spiral of our economy to improve when we create road blocks for those who are living in (fancied* or real) debt attempting to do the right thing?

These companies do all that they can to impede the people's legal rights in order to make a fast buck. What I tell my students is that this is all the more reason to fight the good fight; demonstrate patience and vigilence until they have what they need to make a better life for themselves. One of those things would be their credit report.

i have a credit monitoring product with this company for about 1 year,my credit score with them is 670 everytime i check my credit score every single week,then i cancelled my credit monitoring product after 1 month i get a new product offer from my bank account,i was so mad because equifax messed up my personal information my name and other info.and my credit score came down to 607.

I was a loyal customer member for the past 3 years and as long I didn't need any of their assistance it was all good. Last year before my membership was coming up for renewal I called to update my Credit Card information from Visa to Amex, but unfortunately was charged on the Visa Card anyways. Back then it wasn't a big deal for me so I just left it like this.

This year however when my membership was coming up for renewal, I called again to make sure they have my Amex Card on file and I was ensured this is the card I'll be charged. However my Visa Card was charged instead. This time it was a different situation for me, as I had some balance transferred to the Visa at 0%APR and charging something to this card was screwing up my special rate.

I called Equifax again and this time I requested to have the Money refunded on my Visa and have it charged on the Amex card. Once again I was ensured this process will take up to a week. My Amex Card was charged within 2 business days like promised, however now one Month later I'm still waiting for my refund on the Visa Card.

The past Month I was calling weekly and sent 3 emails to their customer care department and still nothing. Today I called again and once again was advised that I will get my refund, but at this point it was enough for me. I went and cancelled my membership completely and am waiting now for two refunds. Let's see how long it will take them. I did some research on the Equifax and it seems I'm not the only one that has problems with their customer service. I would not recommend anybody using their service!!!

This is the 2nd year in a row. I applied for my free credit report with equifax and it came up and it said if you want to view this online for 30 days click here and I did and it took me to a page where i needed a login to get in and I tried to go back to the page for I did not have One obviuosly and wouldn't let me. 2 years in a row I have been denied a report.

also i have 4 accts with nfcu that at 1 time was late in paying this was over 2 years ago and since i have paid on time or before and the keep showing it as negative. nfcu says im in good standing. ive threataned to sue and they said go ahead they would fight me no matter how much it took. what can i do. i cant get a loan or credit. i neede to repair my home and was denied. also was denied a loan to help pay off my wifes medical bills.

I haven't always done right with my credit.Its very important that I take action and do right now,If I have disputed 8000.00 plus negative infomation from my report with all 3 credit burea agencies,my points has increased well with all EXCEPT Equifax and no one can explain why or let me talk to anyone that could explain why or who I could write to.They have people thats not trained to answer question ,that can't understand english or speak clear english. They have made me feel like I'm working for nothing I thought with each dispute thats settled your fico score should improve who govern this company and who can I talk to Its like no communicating with this company unless you are buying there products.They only have knowledge of trying to sell you something and they read from a script for that ,they can't help you with your credit question not even the supervisor they have no knowledge at all.Please help !If I can work to pay my bills on time now,and dispute alot of negative info that wasn't mine why my points haven't increased with this company and how often do they redo your fico score .If it was something negative they wouldn't wast time decreasing my points. This company should not be allowed to get away with this behavior .They could do what they want to people and their credit. They don't care about the consumer. Its not their credit thats in question. Someone Please Help Me .I feel very defenseles.

I was denied credit by Citibank NA and PenFed based on credit reports provided by Equifax. I have been trying to get access to my credit report online through Equifax's website as mandated under FACRA rules, however Equifax has blocked online access to the credit report.

I believe that Equifax is attempting to deny me access to my free annual credit report as required by federal law.

In early July 2009 I filed my annual credit report request, the same month as in 2008. Since Equifax received the request a few days prior to the July date on my 2008 report, I soon received a letter from Equifax stating that I had received my free report within a 12-month period and that I could purchase a new report.

I waited until August 2009 to file a second request. Today, I received another letter from Equifax informing me that they could not verify my information. The information I sent Equifax in July and August 2009 was the exact information I used in 2008 to request my free credit report, which was provided in 2008. I had no problem getting my free annual credit report from Experian in 2009 using the exact same request form that I used to request my free credit report from Equifax.

I believe that Equifax is attempting to cheat me out of my free annual credit report.

I went and got an account with Equifax, and account with Transunion Truecredit, and an account with Experian's freecreditreport. What doesn't make any sense is why the one bureau is reporting a bogus number for another bureau. I called Equifax and kept telling me they are on a different scoring system. I would agree this would be an excuse for why their own number is different from than the other two, but I don't think they should be using their own formula to GUESS what the other credit agencies numbers are.

I have bad credit, and so thats the reason why I signed up. I figured out that if I disputed information, the credit agency has 30 days to remove the information from my credit report. Equifax sent me an email saying they can take up to 45 days. I read the Fair Credit Reporting Act and it says only if I give relevant information about the dispute within those 30 days, they can extend the dispute by 15 more days.

Sent letter to Equifax on 07/07/08 requesting they permanently remove the "credit freeze" from my account. I included $10 check 4 forms of Id and letter stating I misplaced pin. July 14, Equifax responded with a form letter indicating they needed $10 check, 3 forms of Id and the pin # in order to permanently remove the freeze. I replied with a copy of my original letter indicating that I sent all of the above plus additional ID. To date they have not responded or removed the credit freeze. They do not supply a phone number to contact them and I at a loss. It is important that I have the credit freeze permanetly removed because I have been applying for work and employers cannot complete the credit background check on me. Please help, this is a nightmare. Thank you in advance.

The trouble started 3 years ago this September. My father passed away & my brother Dewayne paid for the funderal. Shortly after Dewayne started getting biild & mail having combination of his name & Dad's name. His Equifax report then had his info & a mixture of Dad's. A few months later I started gettingg mail with a combination of all 3 of our names.

I bought a new Nissan in 2008. The credit manager said several of the banks they use had turned me down because I had my name on 5 different vehicles (from my brothers construction business. I told the manager we had only the car we were trading. He showed me my Equifax report that had different combination of all 3 of our names. I also rec'd a letter from walmart regqading my charge card & they were lowering my limit due to my Equifax report.

I hav4 called & spoke with 3 different reps who can not find a file on me at all. They say it doesn't exist. It is so screwed up that it has everybodys info on there. Howevver, when I applied for a loan last week I got an email from Equifax saying there was an inquiry on my file. So I called again, and the same thing happened again. There is no file on me. I asked for a supervisor & was placed on hold, no one ever picked up. I called the bank & spoke with the loan officer & again was told that my name, dad's name, Dewayne's name & several combinations of all 3 were listed. She said the funny thing was that she could find no S.S. # on there. The loan officer also pulled up my report from Experian credit reporting & my score was over 200 points higher there & the info was only mine.

I can get no help from Equifax, I even sent a form requesting my report with copies of my drivers license, SS card, utility bills, + anything I could think of to prove who I am. Again rec'd a letter stating they have no file on me. Yet they find somehting to send my creditors. I need help but don't know where to turn next.

I canceled my 3 in 1 program last July 08. I went to buy a new car on August 1, 09 with the Cash for Clunker govt. program and found out that my credit report was still frozen, even though I had canceled over a year earlier, and the car company had my new car on hold. I called Equifax Saturday and they were going to try their best to have it unfrozen by Monday. I called on Monday and Valerie, Sr. Tech, said that it would take 5-7 days for it to come off; this delay would have cost me $4500.00 from the clunker program.

I offered twice to repurchase the program, so we could unfreeze it, but I was told that that would not work. I asked Valerie to speak to her higher ups , so that they could help me resolve this, but she kept saying that no one was available and she could not give me their names or where to call them. Frustrated, I told her that if I were to lose the 4500.00 due to their failure to cancel my frozen account, I would consider suing them. Valerie said she could no longer "help" (Ha) me.

After that call, I rejoined the program and called Customer Care to show me how to lock and unlock my account. The agent was very helpful and she was able to help me unlock it. Later that day, I was able to purchase my car! The following day, I called to cancel my program. When asked why, I told the agent my story and she put me on hold. Valerie came back on the phone and I told her I was able to take care of it when she could not. She told me that the agent that helped me would be 'talked to", because they shouldn't had helped me.

It is obvious that they do not have the customer's best interest at heart. Had I not reacted quickly, I would have lost the 4500.00 in the Cash for Clunker program. Valerie is a prime example of what is wrong with Customer Service today. Instead of solutions, she gave me obstacles. I became very frustrated, but at least now I have my new 2010 vehicle. I still want to file a complaint with her Company or the FTC. Equifax should be able to handle emergencies at a faster rate than 5-7 days; I did it in 20 minutes.

I received a letter in the mail from Wells Fargo which had someone elses name on it using my home address, I called them and they told me that it was Equifax in the USA that supplied the address. To this date either company is cooperating. I am NOT a customer of Wells Fargo or Equifax. I just want to know HOW equifax got my address!

My business Overdraft Line of Credit with Washington Mutual Bank ("WaMu")was cancelled due to "negative information on my credit report". When I received said credit report, no negative info at all was contained therein. Two erroneous addresses were listed in the credit report - BUT MY CORRECT ADDRESS IS NOT LISTED AT ALL. I completed Equifax's "research request form" in order for them to correct the info and attached a copy of my driver's license as evidence of my correct address. They did not respond after 90 days, so I called and was told that a letter was sent - TO THE WRONG ADDRESS THEY HAD FOR ME.

Equifax will not correct the information. They say that Wamu must correct it, but WaMu no longer exists and I no longer have an account with them. Equifax confirmed that wrong info is basically "carved in stone" if the creditor no longer exists or is unwilling to correct it. Their "research request form" is a sham and their dispute phone line is unhelpful. I have been trying to get this coorected for over 3 months.

I was robbed $900 ($150 each year since 2004) unknowingly for what has been legally proven as an illegal predatory practice with the very same companies that were involved in the class action lawsuit.

I ma desperatly trying to notify equifax about my wallet being stolen to get a freeze on my file! I have tried 10 times through all their "automated" response system..Only to get told I have made too many errors my records dont match!!! The automated system is no place for a human!!! They should be mandated to provide better service!!!!

Two months ago I tried to get a bank card after the lady ran my credit report she treated me like I was a criminal.My husband works out of state so we need some way for him to send me money without costing us a fortune. So we went to walmart and got a prepaid debit card,when I called to activate it they said they needed more information so I faxed them the information I never got my permanent card. So saturday my husband purchased a green dot card we couldn't activate it either.They said the information didn't match up.so I got my credit report.The only name they had for me was my maiden name,and the birthdate was completely wrong.wrong month,wrong day,wrong year.That would make me 9 years older than I really am. I want this corrected but I can't get ahold of a person I am very angry.

Follow up to previous complaint. Equifax is still taking $14.95 out of my account although I informed them I wanted to cancel 2 months ago. I consider this fraud and a theft. I am currently on hold with Equifax and they say that the representative I spoke with to cancel my account stated I hung up on her. I verified that she had all the information that was necessary to cancel and she continued to try to "sell" their service not listening to what I was saying. I asked her numerous times if she had all the information she needed to cancel and she said yes. I ended the call assuming the charges would stop - WRONG.

So, since my service is still active I went through their automated service and placed a fraud alert on my account for their charges. When the representative came on the line, he was stunned when I explained that the fraud alert I placed was for their own charges. I now have a confirmation number for a refund of 2 months. We'll see if it ever hits my account.

On May 27, 2009 I was unjustly charged $99.95 by Equifax since, at least two weeks before I was charged this amount, I called up to change my primary method of payment to a different credit card which they themselves have confirmed with me that I did request such a change to my primary method of billing but they, being Equifax, didnt follow through with my request.

For almost two months now I have been speaking to representatives of Equifax in order to be credited for this unruly charge, especially since Ive already been charged another $99.95 on a different credit card already, which is the card I originally wanted them to charge. Below is a brief timeline of correspondences between Equifax and I of all the attempts Ive made to have this charge credited back to me. Thank you for your time and help in advanced.

No credit was issued yet and 11 business days passed already, I called Equifax back and spoke to Anne on 6/11/09 in regards to SR # --- and I was rudely hung up on. I called back and spoke a man named Faiz, he told me my Macys Visa was still the primary method of payment and the Citi MasterCard was secondary, he updated my information as to delete the Visa and make the MasterCard the primary and only billing method (note: he confirmed with me that I did call to request a primary billing method change). SR # --- is the new confirmation as to my Visa being credited and my MasterCard being billed instead, he claimed I would be contacted in 24 hours of this transaction to confirm the status of this issue.

5 days have passed and no one contacted me and no credit was issued yet so I called back and spoke to Maria on 6/16/09 and asked for a Manager immediately. Supervisor Mike K came on the line to speak to me. This gentleman told me within 7-10 billing days from 6/11/09 is when this issue should be resolved, that is, on 6/25/09.

On July 9, 2009, I wrote a detailed letter of the brief description that Ive attached to their Corporate office, hoping that they might help me but I still havent even received a response.

Today is July 20, 2009 and still I have not been credited back my $99.95 on my Macys Visa but my Citi MasterCard has been charged $99.95 so technically I have made a double payment. Please help me. Thank you.

My story is bad just like everyone else.I have dispute an item on my credit report off and on for 3 years. They say wait 30-45 days. They keeping sending E-mails saying still disputing.Finally, an E-mail comes and says dispute completed.Tells me say thing every time. I call and complain it is still incorrect info. They start another dispute and same thing happens in exact order over and over and over.

Anyway they still are doing this to this very day.I call and tell them that a loan I had was paid in full three years ago..My report says charged off to the very day. I call every 45 or so days and they say company is reporting correctly. I would call company but Equifax has wrong phone #. I see they are investing very hard. Anyway every time I call them I try to give them the companies real number because I have been investigating myself, for three years.How can I find all correct info but they can not. I am regular person with a computer does Equifax not have any computers so they can find correct company info like I did. Nice work for the last three years. Maybe they will fix it before 7 years expire, who knows.

I'm writing to file a complaint against equifax- I am the victim of identity fraud, had an initial fraud alert placed on my credit file, and am trying to follow up. It takes a ridiculous long time on the automated system and requires excessive redirection in order to get the credit report and not pay for a score. At the end of it all I finally reached a representative and requested that the fraud alert on my file be extended. The response given to me was that an extended fraud alert would only be provided after a written request.

When I requested to speak to a supervisor to have the policy explained I was put on hold and subsequently disconnected. When I called the customer service line I had been provided and assured would link me to a live representative who could assist me, it went straight to voicemail on each of the 10 occassions I attempted to reach them and at this point I have not received a call back to address my concern.

I was turned down for credit by sears because of equifax erroneous reporting.It's been less than 60 days.When I call their 1(800)685-1111.It's totally automated. And wants $7.95 for what's supposed to be free.There is not an option for customer service or any way around the charge. Did I say Their reporting is erroneous? By the way equifax isn't even in the dictionary....

In July of 2007 I requested a security freeze be placed on my consumer credit information. In February 2009 I wanted to avail myself of lower mortgage refinancing rates. It was then for the first time that I realized I should have received a confirmatory PIN # for the freeze I placed back in the summer of 2007. I never did. So, on February 18, 2009 I sent what I thought was all the required documentation, along with a letter of explanation to Equifax Security Freeze.

I also requested my free annual credit report (per the state of New Jersey) at that time. I sent the information certified mail, return-receipt requested and the post office confirmed my letter was indeed received by Equifax. No response ever came. So, on March 24, 2009 I again sent a certified, return-receipt letter to Equifax, asking if my information was somehow incomplete, and again requesting my PIN # and free annual report. On March 30th I received my PIN #, but no credit report. Nothing else ever arrived. On May 19, 2009 I sent my third certified letter, return-receipt requested still looking for my credit report. On May 24, 2009 I received a form letter back from Equifax stating I had already received my free copy of my credit report within the past 12 months, but I could pay for another copy now. This is not true.

On June 2, 2009 I sent my fourth certified letter, return-receipt requested, still looking for my "free" annual credit report - and on June 9, 2009 I again received a form letter saying no, that I already received my "free" report. As I explained in my fourth letter, if logic prevailed, one could easily see I have now spent more money requesting my "free" annual credit report (via certified mail, return-receipt requested costs) than it would have cost me to simply have outright purchased a report from the onset of my quest. It is very difficult and costly to only be able to connect with Equifax through letters.

Without a two-way conversation, with the expense of certified, return-receipt letters and with the inconvenience of needing to frequent a post-office, I am really at a loss. It is absolutely infuriating that a consumer organization that holds so much power over the public may simply respond with form letters and no human contact or effort on their part to investigate a situation further.

I asked Equifax to correct a payment delay item on my credit report. They made no effort to investigate the item. This is what happened. Charter communications was used to withdraw my monthly service charge from my checking account automatically. When I moved to my new house a couple of years ago, Charter did not withdraw money directly from my checking account for the last bill. Instead, they billed me to my old address which resulted in late payment since I had already moved. I asked Equifax to take out this late payment item because it was not my fault that I paid late. I was penalized for Charter's mistake. Equifax did not do much at all.

I have been using equifax for over a year, and I thought it was great that I get to see what is going on with my accounts. I later found that someone might have been using my SSN to obtain services etc in my name, and so I signed up for LifeLock. Lifelock requested for my credit reports and such on my behalf, and I got them all. A few months later, I decided to move to a new house, and promptly updated lifelock, and all other agencies. I updated Equifax though my online account since they are right there, and did not think much about it.

1 year after moving, I found that I have absolutely no more use for Equifax, and so I called to cancel my account. First time I was put on hold for about 1 hour, during which I had a brief 10 seconds (maybe) conversation with someone asking me if I was holding for accounting dept. I said yes, and went back to holding. After that one hour, I hung up.

The second night, same thing. I called 3 times total, put my phone on speaker, and just read my books. Over 2 hours my phone remained on hold. I had enough, looked up the contacts, and shot emails out to 3 sales manager. I was promptly replied to the next day that the information will be forwarded, and my account cancelled. I called to check the next day, and it did happen.

And then, a month later, LifeLock requested for my credit reports again. This time, I did not get any credit report despite it being more than 1 year since I moved. All the agencies claimed that I need to send in supporting documents that I am who I claim to be, including Equifax..... Now, I have to wonder, just what in the world have I paid them for? Do they even know who they were working for while I paid for my services? were they even true to what they were suppose to provide?

What a sham.

I had a home invasion and many items were stolen including my laptop. I felt it important to protect my credit as I obviously did not know how much information could be recovered from the laptop I did my banking and bill pay on. I called equifax and they offered a 3 month free trial to watch my credit cards and indicated that any charges on my credit would be alerted via text message to my phone.

I charged it to my debit account however, I did not know that I already was paying for their service through my Kroger Plus Mastercard. They discarded or ignored that I was already a customer. My bad, I wasn't keeping track that I had signed up previously. My thought however, would be, let me know I'm already signed up and have been paying for over a year. Months past and no mention they were double dipping. It took 2 billing cycles for me to get their charge removed from one account.

After that charge was not longer being collected, the equifax alerts were fewer and farther between. I used a credit card that had not been active for several months and it took 30 days for an alert to be texted. I have cancelled all services, and am right now in dispute resolution for another charge on my account. Who is watching our credit???? Those who are stealing it!

I am trying to get ahold of someone to speak to so i can dispute my credit that I have already paid off, but I cannot get past their automated system and it doesn't direct you to anyone who you can speak to.

My husband and I contacted a company, inquiring about loan consolidation. We also inquired about our information staying confidential. They assured us it would. The very next day we received 3 phone calls from mortgage companies stating they heard we might be wanting to refinance. This really upsets me. It does not seem right that Equifax can give out that information. All companies that contacted us said their info came from Equifax. I want my phone calls private. For Equifax to be such a "dominate" force where people look at for important issues, there needs to be better customer service and they do NOT need to give out information like this to companies. I too tried to reach someone by phone. You can't get past the automated system.

Equifax simply refuses to provide me with an online annual credit report.

On April 14th 2009 I placed a Security Freeze on my credit report with Equifax. I received confirmation from Equifax that a Security Freeze has been placed on credit report. On several occasions I unlocked my credit report and then relocked it as needed. On Saturday I received a call from credit card Company that was able to pull my credit report from Equifax and Experian (a separate complaint will be filed for Experian). They were able to verify my most current data on the credit report which led me to believe that they were not misleading me.

Immediately after that I called Equifax using their toll free number that was provided to me in the confirmation letter. I had no success. I followed up on it again on Tuesday (5/26/09) and then again on Wednesday (5/27/09) and then again today. There is absolutely no way to get passed the automated system. Any attempts made by me to bypass the automated system resulted in the call being terminated. At this point, I am feeling very frustrated with the service level of Equifax. I still have not resolved my issue and frankly don't know how I will. Your assistance in this matter is appreciated.

Equifax charges $10 to lift a security freeze for credit report checks. They state that once the order is palced it takes 4-24 hours to have freeze lifted. This is not the case as for the past 2x I hve had the freeze lifted for three days and my credit report could still not be accessed but I was charged the $10 fee. Charged for services not rendered.

I called back and spoke with a manager to inform them that my dad & I may have requested a free credit report at one time but he was unavailable to talk to them now. I told them again I wanted this payment stopped. I was then told I needed power of attorney to close this account out. Now I am left with no choice but to close out my credit card in order to stop this charge.

we purchased a new vehicle recently and a few days later we started getting phone calls from quite a few mortgage companies asking us to refinance., when we ask them were they received our name the one told us that equifax gave it to them, he said it must have been a mistake on there part. are they aloud to give out our information without our permission? the car company did a credit check on us that is how this came about.

I charged $7.50 for my credit report on 5/4/09. I did not receive report. The amount was charged on my VISA but no report was received.

I had requested a credit report years ago, complained about an address on our report that I have NEVER lived at, I filed a complaint form with Equifax, now to find out that the address is still on the report. Now I have credit debt that has never made it to me and they will not take off of my report the NON address I NEVER lived at

Equifax took 30 days to mail my FREE report to me after claiming it would be 48-72 hours. Meanwhile, I lost the opportunity to dispute the 3 items that showed and lost out on an opportunity to refinance a mortgage. I called Equifax again today when I received the report and asked the names of those listed on the report and was told that could not be given over the phone.

I find it ironic that any yahoo from any company can request my report without providing Equifax with my permission to do so and then I can't even get a list of who is on the report without waiting 30 days for the original report and then another 30 days to request their names and then who knows how long to resolve the issue. Seems like Equifax is all to powerful with peoples lives.

EQUIFAX is reporting inaccurate and bad information on my credit report damaging mi credit and live, and they report many point over the other agencies, whay?. this Equifax agency that can ruin the lives of so many, should be investigated by the FTC. Everyone's best bet would be to file a formal complaint with the FTC against Equifax. How can the government not step in and regulate this better. Why this agency exist??

Equifax did not allow me to "view and print" my free credit report to which I was entitled under FCRA because their credit report on me was the basis of a bank reducing the credit line on my credit card by half. When I clicked on "view and print" after being approved for my report at zero cost a page displayed that required me to log in as a member, which I could not do. And I could not get past this page to view and print my report.

A check of the Equifax Web site stated that to become I would have to purchase my credit report or some other Equifax product.I returned to the request site only to be told that my report was not available online, providing me with a number to call to obtain a copy. A call revealed that such copy would cost $7.95.

Ten days later, still not having received a reply to my letter, I again tried to obtain my free credit report through the Equifax Web site, only to see a claim that I had already received it and now would have to pay $10 to obtain a copy. A day later I received a written reply to my letter from Equifax. It claimed that I had obtained my credit report and to obtain a copy I now would have to pay $11, one dollar more than the previous asking price, and $3.05 more than the initial price. I believe their Web site - Equifax.com/fcra - is set up so that people can never actually view and print their credit reports and will end up purchasing a report that should be free under FCRA.

I always have had a clean report and a good credit rating, with never any past dues and an outstanding mortgage principal of less than one-fifth our home's current value, and when I refinanced my mortgage seven or so years ago my FICO score was near the top. Thus I worry about what is in my credit report that led a bank to cut my credit line in half and really want to see that report ASAP. Yet I do not want to pay Equifax for a report I should have been able to view and print at no cost. I believe they are trying to force me, and probably others, to just say the heck with it and pay to Equifax money they do not deserve and should not, under FCRA, get. It's a troubling, frustrating dilemma.

The erroneous information appeared to be removed from the other credit reporting agencies, i.e., TransUnion and Experian; however, Equifax has taken their sweet time to remove the information despite the fact that the companies reporting the information have notified the credit reporting agencies that I was a victim of identify theft. Moreover, information previously removed by Equifax has been subsequently added back into my credit file. It is very, very difficult to contact Equifax. My credit has not been enhanced since they've been involved in helping to clean it up!

I recently filed a dispute with Equifax, regarding collection agency, Recovery Solution Specialist. I was subsequently advised that the collection was considered to be my responsibility. I would like to make note, for the record, that I first received a notice from Recovery Solution Specialists on 3/9/05 and faxed their office a letter 3/9/05 advising that I had never received a bill from Cedars Sinai Lab. I also indicated that, while I had not received a bill, I believed that the services were related to lab work in connection with a work related case. I also informed them that they should send the bill to the insurance carrier. I never heard from their agency again and to date have not received a bill or itemized statement related to the charges of Cedars Sinai Lab. Surprisingly, when I checked my credit report, their agency was listed as a collection agency.

To top things off, I sent another letter to Recovery Solution Specialists on April 21, 2009, at the address listed on my credit report. The letter was returned, attempted-not known. After receiving the returned letter, I called Recovery Solution Specialists at the number on my credit report on May 1, 2009. I was unable to get a live person on the phone and therefore left a message. I have not received a return phone call. I am very upset by Recovery Solution Specialists' business practices, not to mention the financial impact this is having.

Equifax refuses to allow me my report online with a bogus security freeze on my account. I got the other two credit reporting reports with NO problem whatsoever. They need to be shut down and replaced. First, a very large penalty would be appreciated.

My wife signed up for Equifax, used the service for a while and then canceled it. Equifax charged us the fallowing month, but we figured we did not cancel early enough the previous month so they charged us. The next month they charged us again, so we called again and asked them not to charge us anymore and credit our account for the charge that month, they agreed to do so. The next month we received no charge, but the month after they did charge us again and caused us a NSF charge of $35.00, so I called them again and they said they have no record of that transaction, so I printed our transaction summary and faxed it to them. They said it was them who charged us (which we already knew), but that they would have to do an investigation before they could give us a credit. We have still not received a credit from them, so if you are thinking of using their service I would strongly recommend against it.

told one would call me back.

I have read on your website that others have had this kind of run around from Equifax. I am entitled to one annual free credit report from each agency, but Equifax doesn't want to give me mine. I told them I was filing this complaint

Tried to cancel Equifax credit monitoring service and they kept charging year after year. GOOD ADVICE: IF YOU CANCEL EQUIFAX SERVICES, CANCEL YOUR CARD AS WELL SO THAT THEY CANNOT CONTINUE TO CHARGE YOU. Equifax is gang-like, no one quits without a "fight."

The Representative wanted my credit limit on the cards. I have no idea what they are and could care less. i pay my credit cards each month. I finally hung up on her. I apologize for that but am unable to use web site or communicate with foreign customer service. That is not my fault. I better not have a charge from [them] on my credit card.

There call center agents are NOT nice
-- When you ask for call refference number They dont have it
-- If you want to speak to supervisor she is not there
-- No one know when she will come back

-- When you ask what is the number or email address where I can forward my experiences, THEY DONT KNOW IT

-- My Personal Loan has been rejected -- and My Mortgage has been rejected -- after all those rejections my beacon score droped This is all because of EQUIFAX They cannot bring my valued time I spent on phone with some ****** I DONOT HONOR EQUIFAX ANYMORE

My husband and I are purchasing a new home. We have finally made it to the point where we are about to close on the home and the bank tried to pull my credit. I was told that they received my credit report & score from the credit companies except for Equifax. Equifax has a FRAUD ALERT on my account.

I tried calling on April 27th and I was told to call back in two hours because they were doing a security update. As instructed I called back only to be told the same thing. I called back every two hours and at 3:45 pm I was told to call back again. Itried to explain my situation to a woman who hung up in my face. I called back and spoke to Michael who tried to help me by telling me to call back tomorrow.

Today I called back to only get the exact same run around. I demanded to speak with a Supervisor and got Eugene on the phone (An American guy)who was friendly but could not help me. He said to try back around 2 pm. I called back and explained that my closing is being placed on hold and I never ordered a Fraud Alert and was not alerted that this had taken place.

The rep said I would have to submit it in writing and send it to the company. Meanwhile I am cramped in an apartment with myself, husband, 2 dogs and 2 year old twins on the way to live with our family.

I don't understand how this could happen! I am about to pull my hair out if I can't get some help here. After waiting on a "short sale" isn't enough and now the credit burea makes a decision on whether or when I can move into my house is CRAZY!

The longer this takes the more money I have to pay for rent when I could be paying a mortgage. What if it takes to long and I lose my house to someone else?

Equifax first of all never seems to have their imformation correct when you view your credit report as compared to transunion and experian (who are always current). I was denied credit which I was shock to hear because I had recently view my 3 credit reports. Every couple of months FIA card services which is a VISA credit card sends me a letter stating my credit increase for the last 5 years.... then on 4/13/09 FIA sent me a letter stating they have reduced my credit limit 18,900.00 because equifax report stated "because of my history of deliquency with my creditors" which when I viewed had NONE on experian and transunion but equifax had the lowest score and incorrect account balances. I tried getting a credit report from equifax and the website www.equifax.com/fcra is not recognized by internet explorer. So, I am shocked and traumatized.... what in heavens name equifax is doing???!!!!

Thankfully, Experian and Transunion have all my CORRECT info. But Equifax tells me they are investigating. It is horrible the hoops I've been trying to jump to speak to anyone there who can help. So, now I am waiting. I pray they will get his info off mine and my info off his! When I give Equifax my social, they can't even locate me! I am tied with this fellow! As of now, I am getting letters from ALL of my credit cards. My available credit has dropped from $12,000.00 on one card to $500.00.

I started reviewing my yearly credit report via equifax about 3 weeks ago. since signing up for there service ( 29.00 month for all the watches and monitoring), i have had NOTHING but problems. i found several inaccuracies on my report that were not mine OR were inaccurate. DISPUTING AN ERROR ON YOUR CREDIT REPORT is so hard and so expensive.

ive read tons of blogs/post's on disputing an error and they are all wrong. first a couple of errors i KNOW arent mine and i have proof, REAL HARD CORE PROOF. i filed an online dispute on equifax and got a response in 3 days??? come on, that makes me feel it wasnt even investigated. it told me all the information was validated and reported correctly. WHAT?

i have proof in the form of a u.s. postal money order and have PAID the post office to trace the money order and validate it was indeed cashed and equifax is going to TELL ME it was "validated as accurate"? i called the 800 number, BOY IS THAT A BOMB. speaking to someone in india that you can hardly understand , there rude..

first , im offended that I AS AN AMERICAN should be giving my personal i.d. and information to someone in another country, THAT should be illegal! all the rep kept trying to do was ( reading scripts ) trying to upsale me on other services. i told her i didnt want other services, i DEMAND this be reinvestigated. she told me no, i had to deal with the debtor on this mater. WHAT?

so your telling me, i have proof of payment and the debtor can still claim, JUST BECAUSE THEY WANT TO that i didnt pay and equifax will do NOTHING? im pisssssed.

THE WHOLE credit reporting agencies should be re-organised with better standards from the ftc.gov..i was told by an attorney that the credit reporting agencies do not want your accounts removed, they actually make money off your debt and accounts by selling the information as well as the debtors have to pay each month to report your account, thus equifax would rather your negative info NOT be deleted. i REFUSE to believe the only thing you as a consumer can do is dispute in a letter, hope the debtor will remove the info because OBVIOUSLY they know there not legally ( theoretically speaking that is) required to remove it..and if the dispute finds in the debtors favor, your sol..nothing more you can do. oh yea, write the ftc and complain, write your congressman, sue them etc, no wonder so many people just leave negatives on there account..its a damn shame that it takes a second to get a neg on your account but a lifetime to prove its not yours. it should be the other way around. other problem with equifax i discussed with the INDIAN REP, one account was listed under "closed accounts" yet the account status showed "open" she argued with me LITERALLY being rude telling me " i know what im talking about and im telling you its open", i asked "then why is it showing under closed accounts"? she repeated herself with no help what so ever.also under each acount, there is a little graphic that shows 180 day payments..in that graph, according to it, ive paid EVERY SINGLE MONTH IN THE PAST 2 YEARS yet the acount says last payment serious deliquency, last payment in 2006..once again she argued...there website is totally misinformative and talking to them on the phone is next to impossible, THIS IS OUR CREDIT REPORT, it should not be this hard on us to get this taken care of.

Within the last 30-45 days, Equifax has changed the Condition status on accounts that I disputed. The accounts went from "Paid/Collection", etc. to Derogatory. All of these accounts were settled/paid.

I'm in the process of purchasing a home, this has caused a negative effect on my credit score, my interest rate will be effected, along with a higher deposit. All of this alone will effect me purchasing a home because I can not afford to put more money down, and I can not afford a high mortgage, this will take me out of my income ratio.

I'm trying to purchase an iPHone, and AT&T apparently uses Equifax as I'm unable to buy the phone and get service without supplying "the 4 digit pin code" that Equifax claims they sent me when I put the security freeze on the account. Their own internal documents say it's a 10 digit pin code, but either way - I finally crumbled and sent them a check for $10 to issue a new Pin code to me, despite the fact they never supplied one in the first place. Now to add insult to injury they'll probably cash my check and send me another credit report with no pin code!

couldn't purchase new iPhone - had to spend $400 buying a [bad] TMobile phone to replace my dead cell phone as I was unwilling to extend my contract 2 years in order to avoid having to buy the phone. Also lost 4 hours of my personal time (at business rate of $125 per hour) and spent about $10 in gas.

Equifax will not provide my free credit report online. They say they are unable to confirm my identity. I have the same problem when I try to pay for a credit report. I called the phone number they provided and was told that the call center's system was down. I am surprised that a company can repeatedly scam customers and skirt federal law without repercussion. Wasted >1hr. of time.

I tried to access my annual free credit report and received it from the other two agencies with no problem. Equifax (through annualcreditreport.com) brings you to a member login and since I am not a "member" will still not allow me to access my one allowable free annual report. I've tried contact numbers, calling them and every alternative I could find on their inefficient website. It just takes you through unending, non-productive vicious circles. Ridiculous!

For my free credit report Equifax would not give me my credit score. I'd have to pay for it. Isn't this wrong? Aren't people entitled to get the their credit score free along with the rest of the report? (FYI: Trans Union also would not include the credit score in its free report--they, too, force you to pay for it--though Experian did include the score on their free report.)

Question: Is my credit score the same across all 3 credit rating agencies, or does each Agency have its own credit score for me? Thanks in advance for your help. And thanks for your good work,

I think Equifax is exploiting the whole identity theft issue. So they say in order to further verify your identity you must go through extra steps. I believe it is the main tool they use to force people to purchase "a product" from them. I really needed this ONE more report to meet with a mortgage company. This is just totally unacceptable. If Equifax can't handle customer service then how are they handling my credit report... unprofessionally, irresponsibly, or even nonchalantly. This is too important. If they can't handle it, then maybe they should not be an official record keeper.

I fought with these people to get a supervisor, above ALEX, and I was told no, the boss does not have a phone number or a asst. and Alex is the TOP boss, Well I have been around, and when a customer complains Like i did, you would think a boss would be there, I know that when people want a super, you should get it.

Then I see they have thier own issue's I think someone should close this place, It is so hard to contact them, They even when answering the phone say PLEASE CALL BACK IN AN HOUR. not hello, we are currently having issue's could we call you, or could you call back. VERY POOR

It sounded as a repetition of the phone call dated 04.13.09 and I have doubts about whether I am going to hear from Equifax main office.

I went online to get my annual free credit reports. The other 2 companies gave me my reports without any problems. Equifax would not give me my report no matter what I did. I sent my info with ID proof that they asked for to the address given and have not received my report after a month.

I am trying to file Bankruptcy and must have that report which I am going to have to pay for. At least $50.00 out of pocket plus the stress of using their web site that sent me from one place to another, to another and just gave me the run around.

They will not give me my free credit report. I have called them and set up an account with them. I talked to them and they verified who I was and set up the account. They will still not give me my free credit report. I am trying to clear up my credit for a loan for my wedding. I have guest's coming from Europe. They are ruining my wedding

I enrolled in and paid for one of the Equifax products since I lost a SS card last year (to keep from being a victim of identity theft). The subscription expired and my report remained locked or with a security freeze on it. I have called for two weeks - spoken to 16 different people including two supervisors and this still is unresolved. They read to me the from a script that I am beginning to be able to reiterate to them. I tell them you are reading from a script. No one fixes or truly attempts to fix the issue but they all tell me they fixed it because the last guy didn't know how to and so forth. I do not know what to do, who to speak with, etc to have this corrected.

I cannot refinance my home until they can pull the report. I am locked in at a rate for 30 days. I stand to lose $80,000 in saved interest through teh refinance.

Through a 3-in-1 credit monitoring subscription through TransUnion I discovered a significant error in my Equifax credit report. I immediately attempted to resolve this disparity by retrieving a free annual credit report from Equifax. Equifax repeatedly denied requests for free annual credit reports on annualcreditreport.com citing an inability to confirm my identity. Nor would they accept a written dispute form, stating that a Report Confirmation Number is required.

Essentially, I was barred from submitting a dispute unless I bought a credit report from the company. However, when I entered the exact same identifying information (as was input on annualcreditreport.com), as a paying subscriber through Equifax's website the company was then 'magically' able to confirm my identity and deliver a credit report (a feat they'd previously claimed was impossible). The only difference being they got $9.95 out of my pocket instead of giving me a free annual report as required by CA state law.

Minimal economic impact, only $9.95 ... but the principle of Equifax not conforming to FCRA requirements and giving consumers the runaround is infuriating.

When a laptop was stolen from a Veterans Administration employee in 2005, I, a veteran, had my credit frozen with the three agencies. I subsequently requested a permanent lift of the freeze when the computer was found, unviolated. I tried to obtain business liability insurance last year for my contracting company and the insurance company (CBIC) was unable to get a credit report. I also tried to open an account with our local credit union and was turned down.

Thank heaven my wife has a limited partnership with me or neither items could have been accomplished. I have no good phone number for Equifax, and the address I had, (Equifax Credit Information Services, 1150 Lake Hearn Drive, Ste 460, Atlanta GA 30342 is evidently not valid, as my written request for lifting the freeze was returned to sender.

Every year I run a free Annual Credit Report for myself and my spouse and children. This year Equifax states there is a freeze on all our accounts. This concerns me, because we did not place a security freeze on any of our accounts. They instructed me to complete a Credit Request Form and mail it along with proof of Social Security Numbers and Address to a PO Box in Georgia.

After reading all the other complaints posted on your website, I am deeply concerned about sending off this information. Since others are obviously having the same problems I think the matter should be looked into. The law states that they have to provide us with a free report every year. AT this point I feel that it is not safe to provide them with the requested information. I'm requested Consumer Affairs to investigate these complaints and verify that this is not an identity theft scam in itself.

Quicken Mortgage company just turned me down for a small loan ($55k) refinance for a $119,000 asset. They disclosed the credit agency of Equifax which showed a bunch of entries which were not mine and therefore I was turned down which I shouldnt have been.

Turned down for a small refinance of a mortgage which I qualify for. Incorrect info in credit agency files led to the decision.

On January 29, 2009, my wife asked me to help her obtain her credit reports from the three credit-reporting agencies. We went to AnnualCreditReport.com and got her reports from Experian and TransUnion without any problems. Then we went to the Equifax website for her free credit report. She also wanted her FICO score so we clicked the box for that product (at a reasonable cost of $7.95). After that, the website was so poorly designed that we were unable to figure out how to get either the report or the FIFO.

We were busy preparing for a major surgery, so we decided to wait until after that to see if we could get our report from Equifax. We found on our credit card statement that the $7.95 bill for the FICO score came thorough on the same day (even though we didn't receive it). On March 9, 2009, we called the Equifax customer care number and got an Equifax representative with a strong British accent, which we had problems understanding. I think that he said he would refund our $7.95 and provide the credit report and FIFO score online as we wanted.

We did get the two reports, but we were dismayed to find that our credit card statement showed no refund of the $7.95 and a new charge of $15.95 on March 11. About March 16, we called Equifax again and got an employee in Atlanta. We said we wanted a refund of $15.95, and he said we would receive it within 4 to 7 days. Seeing no refund after more than a week, we called again on March 23. This time we got the India call center again. We again asked for a refund of $15.95, and the individual promised us the refund in 7 to 9 days (by March 31). That is where we stand as of today (March 24).

I was in the process of establishing utilities for a home I recently purchased. In order to avoid a security deposit, the utilities can pull a credit report from Equifax and waive the deposit. I authorized the pull, but the utilities said that Equifax gave no report for my name/SSN. I know I have an equifax score/report because it was used for the mortgage I just was approved for on the house. I called Equifax customer service to resolve this issue. After about 10 minutes of dealing with Equifax's automated telephone system I was connected with Trish in customer service - 'credit monitoring'. She informed me that in order for them to be able to see my credit report I would have to sign up for Equifax's service for a monthly fee. I clarified to her that I am not trying to pay to see my own report, but I'm calling to resolve the issue of these utilities not being able to pull a report. Trish continued to state that in order for them to be able to do so I would have to become a paying Equifax member. I argued with her for a while about the issue and asked to speak to a supervisor.

I was told that no supervisor was available to speak with me. I hung up- issue completely unresolved and it seemed Trish was not going to help me unless I paid Equifax. I went to a credit - support forum for help and explained the demands from Trish in customer service and was given the email to a completely different Trish in Executive customer support. I emailed this Trish and received an automated response that she was out of the office, but to contact three others for help. I contacted these others and they referenced me to a phone number I could call for help. This phone number is not listed anywhere on Equifax's website nor did I find it on any available public docs.

So I then called this number and spoke with Helen in Consumer Affairs of Equifax. I told her the utilities situation and she said that she wasn't able to pull anything up for me. She was able to pull eventually and said the problem was that somehow they lost my SSN and it was erased from my Equifax file. I was told to get this resolved I would have to fax over a statement of utility payment and a copy of my SSN card and proof of identity. Helen said that the problem itself wouldn't be resolved until 24 hours after they receive the fax with these items. They re-added my SSN and birthdate to my name in their system and it was resolved.

It took a week to see this resolved start to finish. Had I not been given that special private email to Executive customer service I would have been forced by Trish in customer service to PAY equifax to release my credit report to the utilities/potential lenders. I am not aware whether this is illegal or not but if it is not it should be. That's Equifax basically holding my credit score/report for RANSOM.

Had to pay security deposit on a few utilities before this was resolved. It took more than a week to see this resolved from start to finish. Spent at least half of an entire workday trying to resolve this issue, dealing with Equifax' automated phone system.

Do NOT do business with EQUIFAX if you do not enjoy being connected to script-reading citizens of INDIA that will repeat themselves unintelligibly over and over and over while you try to get any issues resolved with them. That EQUIFAX continues to outsource their customer service to INDIA should tell you a great deal about the lacking quality of their products and service.

In August, 2008 I put a freeze on my credit reports from all 3 main companies. Equifax never responded with a pin number as they stated they would do. TransUnion and Experian responded. The first week of February, 2009 I needed to remove these freezes. I have not been able to do so with Equifax. I have tried to get a pin number and they have promised to send it to me at least 5 times. They say that in 7 - 10 days it will come.

What I end up getting is a credit report (3) or a letter stating how I can unfreeze my credit report. This always tells me to send in my pin number - which I can't get them to send me. The first week of March, they did finally send me a pin number. When I tried to use it, I was told it was not a valid pin number. When I called and told them, I was told it must be a typo and they would send it again. Today I received another credit report - but no pin number!

I called yet again and was told they would e-mail my pin number today without fail. It is now 9:38 PM and I still have not received anything. All told, I have e-maild them, sent a letter with my ID and I have called them I think 7 times. They keep telling me what they will do, then do something else. I need to have my credit report unfroze so I can change my gas supplier or it is going to cost me much more every month. I've already lost an oportunity to save on a large purchase with 0% interest because Equifax was still frozen. I am at a loss as to what to do to get them to do what they say they will do.

They promise very emphatically, then they send me another credit report. Tomorrow I am going to call them again and demand that they give me my pin over the phone or I will file suit. I don't think they will do it, but what other options do I have? I am frustrated!!!

I am having problems with equifax. They have a wrong information on my credit reports They don't want to fix it. It is almost a month. It takes only 5 minutes to solve the problem. I gave them the company name and phone number that They put the wrong information on my credit report. They still do nothing about it. The company name: RPM. The person in charge my case: Carolyn ext:1383. They did not contact this company and Carolyn. WHY?

First They deleted this information. Later They put it again under collection. When I called and told them about this mistake They blame the RPM. I called RPM again. They told me that They contact with all three credit companies in september 2008. Rpm send the a letter them and letting them about this mistake. Experian and trans union fixed the this mistake. Not Equifax. Today, March 17, 2009. They stiil the delete this mistake from my credit report. Thank you for your cooperation.

I am having to get a new credit cards.

I can't get a credit report or correction for me and my husband. I am allowed a free annual report, but the web site and people on the telephone will not let me have any without payment.

Every time I tried it was over an hour attempt, and I was so frustrated that my blood pressure went sky high and I needed to take medicine to calm me down.

Had free trial offer for Equifax Personal Solutions product. Was charged full price for product on 12-5-08. When I realized this, I called the company and cancelled. Was told I would receive refund for $71 within 10 business days of 1-5-09. I did not. I have e-mailed and called numerous times - last time speaking with someone who said she was a supervisor. Each time I've been told the refund was being processed - give it 5 more business days.

The last time I called, the supervisor said she was personally handling the issue and the money would be refunded to my bank account by Friday, 2-20-09. It was not. Finally, I have contacted the Better Business Bureau in Atlanta - after about three weeks they have received a response from Equifax about the complaint. Equifax apologizes and promises the refund is being processed and I should have it in 7-10 business days. I'll believe it when I see it, but I do commend the BBB of Atlanta.

Dear Sir, Recently I was denied a Satellite TV Service citing the negative credit info in my Equifax Credit Report. This was shock to me as just last year in October ( 2008 ) I had checked all 3 Credit Report and I had excellent Credit Standing in EACH of the report. I tried to get the online report through Equifax.com and it transferred me to annualcreditreport.com which in turn, after collecting my personal info again directed me to equfax.com and at this time I got the message that Due to Security Reason they can not provided me the online free credit report [ which I am entitled at the least once a year per the much hyped FCRA ( Does Equifax even care about this so-called Law ? I dont think so !!! ) ] .

And after this I was suggested to send them Physical form filled with my ALL Personal Info ( Including Socical Security No, Birth Date etc. ) and ALSO couple of ID copy to their P. O. BOX Address !!! How in this country where the Identitiy Theft is the Fastest Growing Crime, I can send all this info in physical form to a P.O.Box Address i.e. without any possibility of sending it through the Registered Mail ?

I tried ALL the nos. as mentioned on their Web Site including 1-800-685-1111 which is specifically mentioned if Consumer was denied the Credit Report. All there is : Automated Crap regarding the Product / Services they want to sell to me. The Automated voice asks me to agree to pay $7.95 to pay for the copy of the Credit Report!!I tried for at the least One Hour all the Nos. I found on the various forums where just like me hundreds other were searching the no to talk to liver person but, theres not a single no. where you would be able to talk to live person.

You can talk to live person only if you have bought their x, y, z services i.e. you pay them, they send you the report immediately !!!! ( Once, Equifax gets paid, then this crook company dont face any a,b,c problems on line you straight a way get your report with the Report No and the Phone No on it, to call them and you will get live person immediately !!!???? ) What kind of Business Practice is this ? Does the United States Congress listening to the plight of the common man or Almost all of the senators are too busy in listening to that much hated brid of Lobyists ???!!! This contry is going the way of Banana Republic !!! Even God May not Save Her !!!! Thanks a Lot At the least, theres one web site in this Great ( ??) Nation to at the least Express the Pain Inflicted by Such Crooks as Equifax !!!

Used annualcreditreport.com to access my Equifax yearly credit report. I also attempted to order my credit score for $7.95, the site gave an error message that I had a fraud alert established, and could not retrieve my credit file over the internet, and my crd would not be charged. I had not placed an alert on my file. So I began searching for phone numbers to find out what was going on. I found their automated system. The system allowed me to order my file and FICO score for $7.95 to be received by U.S. mail.

I followed up with a phone call to customer support, told RON the issue and my concerns. He told me there was no alert on my file, and he would cancel my previous order and give me online access for $9.95, I accepted. He sent me a generic username and a password. I told him several times I did not want to be charged twice, he assured me I would not. Long story short, I was charged twice. Equifax will not refund the $7.95. They contend I ordered a subscription. Keep in mind I followed up immediately with an email, after talking to Ron to make sure I would not be charged twice.

I received a decreased credit limit due to a report to HSBC from Equifax. It stated on the letter that I was able to receive a free credit report from Equifax if I contacted Equifax within 60 days. I called Equifax the same day I received the letter and was directed to their website. I followed the instructions with no additional services requested to download and view my file. The Equifax website sight stated for me to select and download the file with no fee involved-stated 0.0. It stated that I would only have 1 chance at this and I would have to pay for a report after this the one chance I had to download the file. I clicked on the file and it immediately put me to the member sign in page and stated that there was a fee to become a member unless I purchased a service from then. No report was downloaded for me. No attempt was made to download this file.

I made no mistakes in understanding the procedures. Equifax now states I will have to pay for a report because a report was delivered to me. This never occurred. The whole time I was trying to get my report the site continually tried to sell me other services. I believe that every attempt was made to not allow me to get my free report and that I was intentionally routed to the membership area to pay a fee instead of the file being downloaded free for me see and print.

Instead of getting my free report under the Fair Credit Reporting Act I am now told that I must pay 8.95 for the report because the report was delivered online. This never occured and once again I made no mistakes in following the directions, I was extremely careful about this. I believe this was willfully done by equifax and was not a glitch in their system.

Equifax reported incorrectly information on my credit report. I have disputed this matter for the 4th time with Equifax. They are rude and no one speaks clear english. Equifax has ruined my credit. If they would of checked with the pothontary's office they would of found correct information on me. Someone at equifax is laxed in their job and I have to pay for it!. Iasked to speak to a mamger or supervisor Jovic hung up on me. Then I called back and another represenative said to fax info so I did. I asked her where they got the info for my account. She told me at the courthouse in My city. This is untrue for I have a copy from there stating evrything I was disputing was paid or not true.

This is the 4th time for same dispute from Equifax. Equifax treated me unfairly and abused my credit! What can be done to a company that can do this to me? I have suffered enough in my lifetime and paid all the penaltys. And now this matter thrown at me , where is the justice!!!!!! I deserve to have a better credit score than Equifax mistakes have done to me!. Please help me!

I have suffered severe headaches, can't sleep, biting my teeth, I have hives all over , can't eat, and causing me to be depressed because Equifax ruined mty credit!!!

I am attempting to deal with a problem via email and fax as you cannot get through to a live person via telephone. I am attempting to have information corrected and a freeze that I placed lifted from my credit report. I have faxed as directed everything available - old driver's license, new one with current address, social security letter confirming new address with detailed information as to the fact I do not pay utilites as they are included in my rent. I can't get anything done because of no utility bills. How do they prove who you are anyway? I have attempted to resolve the fraud matter since last year - sending all documentation to prove who I am to all three credit reporting agencies. Equifax is the only agency that can't seem to correct its records. It is beyond that this company has such power and the consumer has not rights.

I am unable to get a phone because of the freeze and attempted to apply for a line of credit with my bank but they cannot move forward with the freeze.

I subscribed to the service on a month to month basis. After two months I was not impressed by the service. I called to cancel the service, and the representative I spoke with told me to "just keep the service until the end of the month, and if I still wasn't impressed I could call and cancel". I then respectfully declined, and stated I wished to have the service cancelled immediately. The representative then began to argue with me, telling me there would be no additional charge if I kept it for the rest of the month, and to just "call back the last day of the month and cancel". I began to get upset with the representative for not respecting my request. After he sensed my frustration, he told me to "calm down, no problem he would cancel the service".

Sure enough the next month I was charged $39.00 again. I called Equifax and lodged a complaint, after 36 minutes on hold I spoke with a rep who stated I had been charged by mistake, and they would remove the charge in the next 2-3 days. Three weeks later the charge had not been removed. I re-phoned Equifax, waited on hold for 23 minutes, and spoke with a rep who stated she would take care of the case, and they had been having "paperwork issues". It has been a month, and still my issue has not been resolved.

After changing bank accounts,I changed billing information with equifax credit monitoring service. They billed new bank account the following and then resorted back billing old account which caused several charges. I have faxed bank statements, and spoke with several agents that have all said that I would be recieving a refund and to follow up in 72 hours. I have been doing this for two months.

I called the 800 number and I tried to order a credit report and all the automated system said was that I had recently received an updated copy of my credit file. I have not received the information that I requested way back in Nov 2008. So I tried to call equifax to put in a fraud alert on my account and get a copy of my credit report and was told by the system that I could not get one. I would like to speak with a live person for once when I call them.

I went to file my income tax and IRS said that I had already been claimed and this morning(March 8, 2009) I received an email from Citibank saying that I had tried to access my account with them and I only had a student loan with them in June 2007 and I had that account closed out in 2007-2008.

I cannot access a human customer service representative to dispute my credit score (which is 70 pts below what the two other major agencies report). After multiple letters to the above the only reply I can receive is that they want me to send my social security number, driver's license, and other personal information in the mail. The letter frankly sounds like a scam for identify theft. I don't want to sound like I have an axe to grind because I do not.

I simply want to speak with someone at the agency to dispute a credit score that is clearly wrong. Additionally, Equifax said in order to speak with somebody I have to order ($)a credit score from their site and call the number on the bottom. Fine. However, upon ordering and they charged my act I never received these documents!

Major consequences, being charged excess interest on a vehicle loan and any other form of credit

Both of these credit reporting have not sent me credit reports as requested. Continually rquesting I pay for their services. l agency which did report revomed 50% of info as it was wrong.

I tried calling the 1-866-, got cunnected to a call center in INDIA, was on hold very very long, (10-22 minutes at a time) . The India people stutter, speak real quiet, and "gibberish" when I ask them to speak louder and clearer, that I have a hearing loss. And they make the phone call distorted and nasty sounding and play dumb. All because I told them I am a handicapp and I cant hear. Ive been on the phone for 6 1/2 hours today 03/03/2009 trying to get a free report, cant get nowhere, cant even get an email with a password to get in the EQUIFAX website. I cant get in there, they wont give me a password for a "restricted" account, they cant tell me why its restricted. The INDIA people tell me I have to tell them stuff about my account. I cant tell them cause I dont know, I need a copy of my report to see whats wrong. BUT YET THEY CAN DISCRIMINATE ME ALL DAY AND MAKE FUN OF ME, CAUSE ME MENTAL ANGUISH, PHYSICAL STRESS, ETC. I DONT APPRECIATE THAT.

I tried calling the #, got cunnected to a call center in INDIA, was on hold very very long, (10-22 minutes at a time) . The India people stutter, speak real quiet, and gibberish when I ask them to speak louder and clearer, that I have a hearing loss. And they make the phone call distorted and nasty sounding and play dumb. All because I told them I am a handicapp and I cant hear.

Ive been on the phone for 6 1/2 hours today 03/03/2009 trying to get a free report, cant get nowhere, cant even get an email with a password to get in the EQUIFAX website. I cant get in there, they wont give me a password for a restricted account, they cant tell me why its restricted. The INDIA people tell me I have to tell them stuff about my account. I cant tell them cause I dont know, I need a copy of my report to see whats wrong. BUT YET THEY CAN DISCRIMINATE ME ALL DAY AND MAKE FUN OF ME, CAUSE ME MENTAL ANGUISH, PHYSICAL STRESS, ETC. I DONT APPRECIATE THAT.

EXTREME emotional, mental and physical stress being on the phone all day trying to get my CREDIT REPORT, so people will stop discriminating me and let me prove my right here. EQUIFAX should be put out of business for this. I am extremely scared that my information is in INDIA somewhere, no wonder we have indentity theft going on here. A DIRECT NUMBER TO TALK TO SOMEONE WHO SPEAKS LOUD, CLEAR E-N-G-L-I-S-H-! NOT GIBBERISH.

I canceled and receved email confirmation of cancelation my two Equifax prodcuts in November, although they said it was December 2,2008. They charged me again at the end of December 2008, refunded the charges 2 weeks later then CHARGED ME AGAIN. Numerous calls to supervisors no refund. Now they have charged me again. Each time the same story we have expedited this the Tech and Billing Departments.

EQUIFAX IS USING MY MONEY AND THE MONEY OF MANY OTHER CONSUMERS, POSSIBLY SOME CONSUMERS ARE NOT YET AWARE. I was laid off in October, they are using money I need, plus taking hours of time in calling and emailing them away from looking for employment.

For the past two weeks when I have tried to get into the site I have gotten an error message saying they were having problems with their system. I am paying monthly for their Equifax Gold and I am able to update my credit report as much as I desire (unlimited). Well, I have tried to order and I get a message that says order in progress. I have called many times over the past 10 days and they say it is a computer problem, yet they go in and do something and I get the update.

They say this will be the last time the problem happens, yet it happens the next time. I told them since I had unlimited access that I was going to request an updated report every day until they got it right. Well, it's going on two weeks and they still have not gotten it right. I have asked to be given a credit for the service I HAVE NOT received this month and they say they cannot do that.

A year ago, my request for overdraft protection on a newly opened checking account at a major bank was rejected. The bank ran only one credit report, (from Equifax). At that time, I checked my reports and FICO scores from all three agencies. My Experian score was over 800, that from TransUnion was similar, but my score from Equifax was over 100 points lower, in the 650 range. The facts in the body of all three reports were essentially identical and all were correct. It was the FICO calculation by Equifax that was incorrect. At that time I spent twenty hours talking to Equifax personnel and wrote multiple letters. They refused to correct the error in the FICO score despite acknowledging the inherent contradictions in the facts cited below.

Last week I again checked my credit report and FICO scores from all three agencies. My scores were the same as last year. My Experian score now is 804, my TransUnion score is 776 but my Equifax score is 696. As was the case last year, the facts in the body of all three reports were essentially identical and all were correct. My current Equifax report (as did the one a year ago) states three negative factors: 1. You have a serious delinquency... The body of the Equifax report refers to an account with a collection agency in New Jersey: 120+ days past due. Next to this comment, the report notes Balance $0. (How can an account be past due if there is a zero balance?) The Credit-At-A-Glance portion of the report states: No accounts past due.

I called the collection agency and they claimed there was an overdue ATT bill for $27 from 2003. I had no knowledge of this. I spent two hours in two separate calls to ATT. ATT said there was no record of any overdue account, for either land line or cellphone service, at any time. Furthermore, I currently have an ATT cellphone account in good standing. I disputed the alleged bill, but was told by Equifax that the charge was documented?; no proof was offered. 2. You have a short credit history. (Please note that I am a 74 year old physician...) Immediately adjacent to this is their comment: Your oldest account was opened 23 years, 8 months ago. (A BofA credit card that is still active.) Right below that history is Average age of your accounts 7 years.

My history, as Equifax representatives have acknowledged on the phone, meets the Equifax criteria for long credit history - not short. 3. There is no recent activity on your revolving accounts. (Revolving accounts include credit cards.) Just below this, the Equifax report continues with a list of positive factors, including positive factor #2: You have many accounts that are in good standing and positive factor #3: Youve shown recent use of credit cards. This is more than frustrating; accurate credit reports and FICO scores are crucial, especially in the current financial climate. As noted, I was turned down once because of the error in the FICO calculation. I have again protested to Equifax, but they have not corrected the errors.

The cost of any loans I obtain based solely on Exquifax data will be substantially increased. Equifax own data indicate that I would be charged 4.95% on a 30-year mortgage vs 4.55% if my FICO score were correctly reported as above 760; a charge for a 15 year home equity loan would cost 9.64% vs 8.01% based upon my correct FICO score; a 48 month auto loan would cost 7.81% vs 6.29%.

2-25-09 Went to www.annualcreditreport.com to get free credit report from all agencies. Got TransUnion & Experian just fine, then Equifax said I had to call. On hold for 25 min. Then after verifying my info for approx. 15 min. they tried to sell me on monthly service for 1 1/2 hrs! When I asked them to send me terms in writing regarding cancellation policy, they would not. Then he said he would finally release my account; gave me user name and password over phone and promised that my account would be released it wasn't!

After complete exhaustion, I called again, talked to another rep and explained. She then said I would have to pay a higher amount than the original website quoted in order for me to release my one time credit and fico score. After 3 hrs. I finally got my report, which was 100 points less than the other two agencies! I have no bad credit or remarks from any agency. All credit in good standing! I have to wonder if I signed up for monthly service, would they give me a better score? How can the Government let this go on?

Also, I question if the reps were really in Atlanta, or from another country. Also, I was in the middle of writing an email to Equifax and my email dissappeared. It made me wonder if they had anything to do with it.

Hrs. of wasted time away from my family and helping my children with homework. More money, more frustration and additional decreased trust in this whole US economic story. They are getting away with ruining people's lives and getting away with it.

Free credit scores cost u money these ads stopped they want your credit card

I purchased my credit score for $7.50. My credit card was charged but I never was given my credit score. I called, held for first help several minutes. When call was finally answered, spent next several minutes repeating same information, all the time being pitched on buying a product rather than being providing the product I had already purchased.

Bought and paid for a service that was never provided.

For some reason, Equifax makes no effort to report accurate credit information on people, yet many large companies use them (like Ford Credit, for example). It just amazes me that for something so important can be so incorrect. Especially when one's credit info FICO scores are the final say in most personal financing, job application and insurance policy rates. When purchasing my three credit bureau reports from a reputable third-party company, I saw that my Equifax Fico score is about 80 points lower than the other two credit reporting bureaus. When I scrutinized the report, I found several errors and misreportings.

In my attempt to dispute them on Equifax's website, I discovered that I needed an account number. In order to get that, I had to apply for a free report from Equifax. So I applied, and the result was that I wasn't eligible for a free one. Fine, so I bucked up and shelled out $17.95 for a paid version, and after submitting my info -- AND getting charged for it -- I got the notice that they could not offer my report to me online and that I had to call a number. I called the number, and gave up after being on hold for over 15 minutes. It's ridiculous!!!! TransUnion and Experian were a breeze to work with, and disputing the few errors I found in their reports was no problem.

I don't have to go into detail about how this credit score of 80 points lower than the other two can affect me in many ways, but right now I'm trying to finance a car and having a tough time, because Ford Credit uses this bureau. It's just amazing to me that there are so many fraudulent mistakes on my report. Things that were paid back in 2005 are being shown as still open with a date of 02/2009. This also is affecting my ability to go in on a VA mortgage with my husband. I am so frustrated. How can the government not step in and regulate this better???

Signed in for free credit report and paid $7.95 for copy of credit score. Was not able to retrieve; site showed I had ordered and paid for the products, but also showed that I had no reports/products available to me. In frustration, I contacted the company via phone. After twenty minutes on hold, and after choosing the option to cancel, I finally got someone, reinterated my desire to cancel, was told I needed to be routed to the appropriate line, and was put back on hold.

I have now been on hold a total of 45 minutes. Both on the site and one the phone, I have been subjected to endless promotion of their products. I am out $7.95 and I have no credit report/credit score.

I am investigating websites that scam people and equifax is in violation of california state laws and us federal laws. everytime I delete equifax`s root certificate 2 minutes later the root certificate is reinstalled, I am very competent in law and equifax I am going to file a class action suite against [their] corp, and several others for hacking my computer,

equifax [is] in violation of internet laws by invading the privacy and tracing via root certificates a persons privacy to apply for loans and various other credit applications that [they] are giving notice to credit agencies that people with bad credit or are at a high rish of not paying debts back information via hacking computers. I have been wacthing [their] monotoring activities on the internet with my computer.

I Cant get ahold of anyone to help me. I put a security frezze on my credit but need equifax to lift it for CITI to review. but the code i have that i wrote down at the time i did it doesnt work and you cant get a live human anywhere to answer the phone to help you. the automated piece of junk wont let you get an operator to save your life. I have heard from others that have had the same problem. You would think if they had such an effect on us at least they would talk to us to resolve problems like trying to lift a restriction.

Open an acoount back last year with Equifax inorder to keep a watch on my credit report, after founding out that the price went up to $99.95 I cancelled the acount on 12/11/08. An credit alert was on my file to keep others from being able to recieve access to my file. When I cancelled it , I then told the person on the end of the phone to make sure she remove the alert.

Months later the alert is still there and I have called Equifax so many times regarding this matter. I'm not able to purchase anything by credit. On 02/13/09 I called again and was told by a Administrator that she would have this sent to the Tech Dept on an HIGH ALERT within 48 hours.

I have called everyday since then, have spoken to differnet Administrators and nothing have happen. Only to be told that each one will send it as an HIGH ALERT with the days starting over(meaning each one in 48 hours)

I'm unable to uptain any credit from anyone. Need to purchase my daughter a care, as well as I just moved into a new placer and need furniture. Credit is blocked so one can gain access.

I went to get online for my free report. I entered my info only to be told I had already had my free report for this year. I have not gotten any reports this year. I looked in my e-mail and there is a link I am suppose to use to view my credit report. But, it doesns't work. And I tried the other 2 credit agencys and was also told I had my free copy for this year.

We signed up with Equifax services after our tax returns had been stolen last year (2008). After a few months of their service we decided we didn't need it anymore and we cancelled it in a legit manner. Last month when the interest rates dropped down to their lowest point in the last 40 years we decided we wanted to refinance. We filled out the paperwork with a loan officer and waited for him to start the process. Part of this process was checking our credit score. When our loan officer tried to check our credit score he found it had been locked.

So last month I contacted Equifax to try and determine why our credit had been locked. They said that was part of their process but that they would unlock it at my request. They told me that it would take up to 10 days to do this. I waited more that the 10 days and then called them back to see what the problem was. They assured me this time that my credit would be unlocked in 48 hours.

Once again they didn't follow through on their promise and now this same situation has repeated itself another 5 times. Each time I call they guarantee that it will be unlocked and that someone will be in touch with me in 48 hours to update me on the progress. I've called now so many times that I know that nothing is going to be done about it. It has been over a month since my first inquiry and I still have a lock on my credit.

There is a good chance that I will miss out on the benefits of low interest mortgage loan because Equifax wont release my credit score. This could mean the loss of 3 to 4 hundred dollars a month for the next 30 years.

Why do [they] continue to charge my credit card? I have not order any service from [them] at all! But again I see that [they] have debited my Visa card.

After ordering Fico score from misleading sight associated with Suze Orman, I am continuing to be charged for a monthly membership fee. This site originated from Oprah's site! What a way to help consumers!

I'm losing money on something that I needed only once and understood to be a one time charge.

I cancelled my score watch account with equifax on December, 2008. However, they charged again from my bank account the monthly payment I had paid with them when the account was active on January 21, 2009. I have been trying to contact them but they kept me transferring to different departments. I called personal solution but kept me waiting for 30 minutes until I hanged up for the long wait.

I dialed a different number and was able to talk to Equifax staff, reassuring me that this matter will be solved in 24-48 hours. I'm fed up with all the calls I made to them. It's so easy for this company to take money from their customers but too difficult to refund the money mistakenly charged to their customer's account. My bank charged me with $35 fee for being overdrawn from this unexpected charges.

I went into annualcreditreport.com and tried to view my Equifax credit report. In order to prove my identity I was asked to identify the firm holding my mortgage. I do not have a mortgage. Because I answered None of the above I was nor allowed in. I need to get in and correct this problem. Someone apparently has taken out a mortgage in my name, and I want to correct this immediately.

None so far that I am aware of

I received a Score Alert notice on my Equifax report that I set up to inform me of changes. I was shocked, as my credit score went from 660 to 621 based on an action sent to them by Nationwide Credit, that I owe them over $500.00 for what I do not know, they did not specify this. Basically, this is bogus anyway, I do not owe any company any moneys that would have been placed in collection, and I was not even aware that this type of thing was about to happen. I have not had any business with Nationwide Credit, all my bills are current and have been for several years, I maintain protections on my credit to prevent fraud and still this happens.

Bottom line, this company has filed this negative report on my credit profile without contacting me and making me aware that this was going to happen, so in essence they have established I was guilty of owing this money without providing me with any proof that would allow me to create a dispute. They chose instead to ruin my credit report, make a false report that I owe them $500.00 without showing me what they have. I don't know these people, and I don't know what they are claiming, and I intent to file and prosecute them for what they are trying to do.

In my mind it is defamation of character and trying to destroy my credit life, which at 70 years of age has taken some time to build up. This company should be held responsible for this miscarraige of making false reports. What happened to the words Innocent before proven Guilty, looks like they have changed this to suit their motto.

My entire lifes good credit history was destroyed by them, and I almost lost the chance to move into a safer apartment complex for Seniors.

I am an Equifax Credit Watch Gold member. I received a credit watch alert email on 12/31/08. I tried logging into my account to see what happened, and got an error message back stating We're sorry, the system is temporarily unavailable. I called Equifax and was told the system was being changed over the New Years holiday. I have received 4 more alerts since then, and have called at least 5 times. I was told on my second call that they would have it fixed in 24-48 hours. I heard this 3 times. The last call, I was told that their were many people with this problem, and they would email me when the problem was fixed.

It is now 38 days since the problem started, and no email. I received yet another email credit alert today saying there had been a change to one of my accounts, yet I still get the same login error message. I tried calling the 'special' customer service number again, and ended up having a dead battery on my cordless phone waiting on a person to answer. My wife has the same service, and her account has been working all along, so their system isn't totally broken. Why they can't give me a work around to get into my account is beyond me. I have a background of over 30 years in IT, and know that if you care about customer service, system issues like this do not go beyond a few days without heads rolling. What kind of way is this to run a business?

Unknown, as I cannot view my credit report to see what is causing the different credit alerts.

I amongst many other people who have canceled their 3-in-1 monitoring service. Have suffered a security freeze problem with their account. We have all been getting a run around. They force us to rejoin and pay more money to unlock the freeze. But when you cancel again the freeze goes back into effect.

My mortgage agent for refinancing my home loan is stuck waiting for the freeze to subside so they can obtain a credit report to move on with my refinance. It has now been 2 solid weeks, and I have a 30 day lock in on my finance rate.

During my mortgage refinance process I was told by my mortgage rep that I had a collection account on my credit. NOT MINE! I went to dispute it online but needed a confimation # off the report. (since I got the information from the bank, I did not have a report w/that info to look at) So, what I thought would be an easy process, I went online to order my free online report, but it stated that, "internet delivery unavailable - mail in request"

So did that. Got the report, made a dispute online 12/29/08. Needless to say, I already investigated it myself and called the Credit Management number that was listed for this collection and they verified that it was not mine(Social was different, address different, etc.) Today is 1/4/09, I have not received any response from Equifax via email(like it said I would) So went on their webpage...to my surprise the investigation was done and the results in. And they stated "VERIFIED THAT THIS ITEM BELONGS TO YOU".

Now I'm furious. I called the credit management # again because that is what equifax told me to do, and they proceeded to look up the account # again and AGAIN was told it's not my account. I told them equifax had investigated this account and the credit management company told me they had no documentation about them doing that! So back to square one...Called Equifax told them the situation and the only thing the lady could say, was " I will put this dispute in again (if you'd like), and it will take 45 days"

So by now, I'm more than furious and crying at the same time, I asked to speak to a manager, she put me on hold, came back said she was on another line. I told her I'd wait. She put me on hold again, came back and said the manager is not taking any more calls today. Proceeded to plead for a number to the investigation department(since she repeatly told me, she's in the dispute dept) She told me she did not have that number and that she had no other numbers that she could give me. So, because this collection showed on my account and lowered my fico score almost 100 pts. from 760, I was not offered the lowest re-fi interest rates and now will have to pay thousands of dollars more. This account was not mine, it would take a five minute call to figure that out. Why is it taking so long to figure out and why did they send results to me stating they investigated it when they in fact didn't!!

I was subscribed to this service for two years Last November I cancelled the subscritions I had because some of the services I was paying for were not accessible by my or active. I did not feel that it was right to continue to take my money for services that I was not receiving. After canceling these services, charges appeared in Decembert on my account for the services that I had cancelled. I called and the charges were refunded within about a week. Then January rolls around, and they charged my account again for the same cancelled services.

When I called again they were very adimate about how I hadn't cancelled, and then saying that there was no record that I cancelled my services, but when I told them yes I did, you are not looking at my call history on the account, you can't be, because if you were you would see that I was refunded for non-authorized charges last month, then they oh I see it now...we are going to escalate this matter to the accouting dept...well two days later a refund appeared on my account, but it was not the full amount, so I called again and was told the same mess and that it should be back in my bank account in less than a week, but we need to get your card number, in order to place it back on your card, because you had us to delete your card information when you last called. I told them yes I did, so that I would not have to go through this again with charges on my account. I also stated that why did the one of the charges come back and not all of it, she couldn't answer that but needed my card information to send the ticket to the service dept.

Well here it is 02/02/09 and still no refunded charges so I call again and I am told the same thing, but she doesn't ask for my card information, just that she will send the information to the services department, but we need a statement faxed to us showing these charges, I told this lady if you are looking at my account profile you will see that this has already been verified and the same thing you are telling me the last person told me, and nothing has been or is getting resolved. Well Ma'am she says, give it a 3 days and if we haven't contacted you or if the refund hasnt been credited call us back.

So before I hung up, I told her that this was rediculous and uncalled for, and that I was tired of calling about the same thing, being told the same thing, but nothing happening and what I think I should do is a file a complaint with FTC and the Attorney General, you have a nice day, and all she could say was o.k. ma'am, you too. Check my bank account again today 02/03/09, still no refund.

The first time they took money from my account it was unexpected and I hadn't made a deposit in my account yet and I incurred 3 NSF Fees plus the three charges from Equifax which totaled $129.85, I am struglling with the pressure of the economy as it is and for this to happen, it really hit my pockets, I am now requesting extensions on utility bills, I am stressed out behind having to continue to call these people and losing money because of overdraft fees, for money they should have never deducted from my account. I am really stressed behind all of this. And you would think that after subscribing to their services for over two years faithfully that would treat you better, not saying that someone that isn't subscribing that long should be treated any less.

I was sent a letter from Equifax and when I tried to call the phone number they had listed for me to call the voice on the line listed everything but what I needed. I was inquiring why they sent me a letter. No human was able to help me but they wanted me to become a paying member for the services that they provide!

I am up set becasue the service does not provide you with any human to talk with to find out the problem!

Equifax will not send me my free credit report. I send a letter Jan 8, 1009 when I had been denied credit because of some adverse reporting, but they never responded. What do I have to do to get a copy of my credit report?

I have spent countless hours on the phone with Equifax representatives trying to get a credit score so that I can refinance my home. They are completely unable to explain why I cannot get a score. As a result the lenders are only getting two out of three FICO scores. This is costing me thousands of dollars in higher interest fees, and none of it is my fault!

i ordered their service that monitors your credit report and tell you your credit score for 14.95 a month. well because my monthly debit was on the first of the month they decided to debit my checking acount on the 29th of the pior month. so i call 01/02/09 to cancel my services and requested a refund of my 14.95. the rep. told me i would have my refund in three business days. 01/12/09 comes still no refund.

so i call back to the number and a rep. tells me i have to fax in my bank statements because my accounts closed and they cant see it no more. i spoke with d. jahnson a supervisor and he gave me a fax number which was incorrect and tell me fax my stuff and he'll take care of it and I'll have my money by 01/17/09. well i had to call back to get a correct number since the supervisor gave me the wrong one and finally received conformation my fax was received.

01/20/09 comes and still no refund so i call. a lady rep told me she was going to expidiate a research and gave me a referrence number. told me to give it 7 business day. as of today 01/29/09 still no refund and when i call in they tell me to give it a couple more days.

I was a member of Equifax credit watch gold program. I canceled my service with them and have found out that my credit file with them is locked. I have called them many times to get my file unlocked and keep getting the same runaround and the file has not been unlocked.

I have been trying to get a home equity loan and the bank can not pull my credit file because it it locked by Equifax

I have always had, and still have, excellent credit, no debts, and pay bills by debit card. However, when I requested to use the bill me later feature at Amazon I was rejected because my credit report said there wasn't enough history on my account. I was rejected which was very upsetting to me because I didn't want to put my credit/debit card information online. My credit report at Experion was fine, but when I got my report from Equifax via phone and online, I was told that all my accounts (mortgage, banks, etc.) had been closed and that all my information was outdated so I have no credit history.

I told them the problems that ensued as a result of not having a satisfactory credit report, spoke to at least five different people (including supervisors) and they said there's nothing they can do. If I want to buy a car or get a mortgage and the business only uses Equifax I will face the same insufficient rating and will not be able to do business with any company that uses their service. I find this appalling and would like to see this rectified since my credit is impeccable. Thank you.

I spend 3 hours trying to get this problem straightened out. Lost a lot of time, had a lot of aggravation and the problem was not resolved. Obviously, there's something wrong with the system and it has to be fixed. I'm sure I'm not the only one who's had a problem like this.

I went to make a new car purchase and when they ran my credit report i found out that Equifax was reporting alot of bad information from some guy named Christopher Addison on my credit report. So i called and disputed all of it. They told me that it would take 30 to 45 days to get it fixed. I was very unhappy but decided there was nothing else i could do so i waited. A month later i found out that they had removed a lot of the bad information but had left a lot of it still on my report. So i called them and once again i was told that i had to wait another 30 to 45 days to get it straightened out.

I got account numbers and telephone numbers to the place that was reporting all this stuff because Equifax just keep telling me that there is no way they mad the mix up that it was either me or the companies reporting the information. I called and found out that they were reporting it all correctly but the guy had the same social number as me but the last number. I found this out to be true with each and everyone of the companies. I found this out within about 5 mins. I called and spoke with Equifax once again. Nothing changed they said they had to wait for them to email them back with the response. It has now be well over 2 months and it is still being reported on my credit report.

I found out just the other day that all the companies but one has responded back to the email and nothing has change again. I called and spoke with Equifax again and they told me that since it was all reported at the same time that it would have to be all updated at the same time. This is unfair to me i have done nothing wrong but i am the only one being punished for it. This should have been take care of a.s.a.p. and with little to hardly anytime at all. This is the worst company i have ever had to deal with and wish i could stay away from them but it is not my choice.

I cant buy anything at all because of what they have done. This effects me and the economy due to the fact that if i cant buy a new car then the sells man doesnt get a sell the dealership is out of a sell and so on and so forth.

I recently applied for a student loan. It was held up because the loan institution, Sally Mae, tried to verify my credit information through Equifax. Apparently, my information at Equifax has a Fraud Alert. So I had to speak in person to a loan officer who had my Equifax information before them. The loan officer said that none of the previous previous addresses I provided matched to the Equifax information. From that point, things progressed with my loan application after the Sally Mae people verified me through Trans Union instead. However, in light of the skyrocketing claims of ID theft, I am very concerned as to why Equifax has wrong addresses on me. I have attempted to reach Equifax, via their website and via phone.

Their website has link that indicates you will be able to speak to a person, but when you click the link it takes you to a page that wants you to pay to become a member. I also tried to reach them by phone by contacting them through another number, knowing full well it was for a different service of theirs, figuring I would just explain and maybe finally get transferred. Well, it almost worked, except then you end up sitting on indefinite hold. I don't want to pay to become a member, nor do I feel that I should have to spend my expensive cell phone minutes to correct a situation that is not my fault.

The system hols the consumer's credit hostage and that is not how things should be. It appears to me, as a consumer, that they are intentionally making it VERY difficult to reach them in the hopes that we, the consumer, will finally pay to become a member - and I feel that is unethical and criminal in behavior.

I lost hours of my persopnal time and expensive minutes on my cell phone.

what is going to be done about these people. i have been trying to contact equifax for months for my annual reports. i sign in using equifax.com, i have called and received a recording, now they want me to do send in my personal information. how do i know where my information is going if there is monkey business going on. i had no problem with the other companies.

I am a katrina victim and lost everything.i am trying to clear my credit in order to get a house and my life in order. i cannot dispute the bad info and it is bring down my credit score. please help me i have lost enough.

Equifax will not provide me with my free _online_ credit report via annualcreditreport.com I think they know very well they are obligated to provide this information once a year but they go out of their way to make it difficult to the general public to obtain this information. I like others have been able to obtain my free annual credit report from TransUnion and Experian but since 2005 I've not be able to do so from Equifax. Typically their site tells you that it cannot provide you with your report online but would be willing to mail it to you. I consider it a security risk to have my credit report mailed to me and they are obligated to provide me this information once a year online. Their site tells me We're sorry, for your protection we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet.

I am being charged $14.95 every month for a 3-in-1 protection for someone nanmed Melissa, who I don't even know, but they will not stop charging me on my credit card unless I send them all sorts of identification through the mail, which I refuse to do. I now have to cancel my credit card to try to get this to stop. There's more to this story, but not enough room.

Have emailed several times with the attached confirmation of cancellation email and receive no reponse or correction/reimbursment to my credit card.

It seems to me that Equifax takes liberties in "playing dumb" with comsumer service and billing not communicating, allowing fraudulent charges to occur. Hoping the customer ignores or dosen't notice.

I see I am not the only one with complaints about Equifax.

EQUIFAX is reporting inaccurate information on my credit report. Plus, I cannot retrieve my credit report because there message claims I requested this action. Which is false. Like so many others I am absolutely unable to speak to a live voice. I agree this agency that can ruin the lives of so many, should be investigated by the FTC. Everyone's best bet would be to file a formal complaint with the FTC against Equifax.

Damaging credit.

I am a identity theft victim and I first contacted Equifax. Equifax placed a 90 days alert and also requested me to take a equifax patrol for 14.95 a month, which I immediately did. After reviewing all 3 credit bureau reports, I started correcting them one after the other. But every day, this ID thief tried to apply credit in my name and I got fed up of the inquiries coming in to my report and decided to freeze it. Experian and Transunion immediately froze my account when I requested for it, after providing them with all the required ID verification information and documents.

Equifax simply sent me a letter back that said they need my personal information and I didn't provide it. This is just absurd, I provided all the information they needed and sent it to all the three bureaus, but only equifax had the problem?

So I decided to take this on and this time, I made sure that I wrote very clearly that I have provided them with all the information they need; but still they sent me a letter back that I didn't provide them with adequate information to freeze the account.

So now I knew what the problem was: I had their patrol service which they believe I would cancel, if my account was frozen.

(Because you don't need to patrol anything when your account is frozen!!!!)

So I went ahead and cancelled the patrol service first (after 45 minutes of deliberation with account specialists at equifax) and then decided to place the freeze online after paying $10.

LESSON LEARNT: If someone else is benefiting from your trouble, they will do everything they can to keep that trouble coming!!!

Some time in february of 2008 I signed up with an on-line company (24Protectplus123.com)in order to access my credit report. After that I received a number of calls from collection agencies. I also noticed a lot of tampering with my credit report which kept my credit score low.

In short, I've had no issues with Transunion or Experian in obtaining reports etc. However, I CANNOT say the same for EQUIFAX! could not get my FREE annual report as online their web site stated they could not proccess the request at this time. I attempted numerous thereafter to no avail. I then went so far as to purchase it for $10.00.

After providing my credit card info. etc. I was slammed with another great statement from their website that informed me to click here to submit a request for my report to be mailed to me as once again, they couldn't even proccess my on line purchase to immediately view my report. As far as phone numbers go to discuss anything with anyone THERE ARE NONE! What gives with this agency and who is monitoring their house-keeping practices, business etc?

SOMEONE NEEDS TO LEGALLY INVESTIGATE EQUIFAX FOR THEIR SEVERE SHORTCOMINGS. I'm ready to seek an attorney and discuss the matter. NO REPORT ACQUIRED, NO PERSONAL CONTACT WITH ANYONE, LOTS OF HEADACHE AND HARDSHIP!

I had a very difficult time obtaining my annual free credit report from Equifax. I got the report from Transunion and Experian very easily. I wasn't until I found a website that had a phone number and what to press to get through to someone that I was able to get a report. Actually, they weren't able to provide me a free report for some reason they couldn't explain, but I could purchase the report for $11.00. I did it because I needed to see what was on it.

We tried unsuccessfully to obtain our free credit report from Equifax (says I have to do it by mail for some reason. I had no trouble with Experian or Transunion - Equifax sends you to their website to sign in. You can only obtain a 10 digit number if you pay for one of their products - the 7 day a week customer service leads to no one at all, just a lot of sounds and then hangs up - so if you have to pay to get a free report and cannot obtain any information from a live person. Many many attempts made. After trying to PURCHASE a 3 in one, their website says they cannot find an account right after it said it could.

Then gave a number to call where I spoke with someone overseas who said they needed more information but could not help any further unless info was faxed to them. I got the other two with ease and no problems providing the same information that Equifax does not recognize. what can be done about this? We are furious that this is happening!!! If the fox is watching the hen house, who is watching the fox? Somebody please do something!

I was denied a credit card application even though I have no debt. I have tried to find out why, but am having a lot of difficulty. It is hard to reach a person at these companies. Their websites generally don't work. They charge for their free credit reports.

Not only do their systems not work, but the whole idea that some company is allowed to collect and disseminate information about me should be illegal.

Lots of time lost, credit card application (with benefits program) denied.

I innitiated a security freeze on my equifax info because they will not correct items in thier report (even after jumping through their hoops). Well, unfortunately, all the banks and retail sales co.s love them and I was shooting myself in the foot.

So I attempted to remove the freeze. I sent the $10.00 and the 5 items outlined on the letter they sent me with my PIN (to allow access to the sccount and lift the freeze), along with that pin #. Now I get a letter back that I ahve to submit more info - 2 forms of ID! I call them and they are cold and even admit thier 1st letter might be wrong but insist that I once again jump through their hoops!

I am so sick of them but realize they are a devil I cannot ignore.

I am hoping you (or someone) can do something with them. They are openly hostile to doing anything to help or aid a consumer and all love for the basnks. All I ask is to be treated fairly - like TransUnion does (and Experian, sometimes).

This is holding up my refinancing my home and purchasing something that I have found on deep sale and probably will be gone by the time they lift the freeze.

I have attempt to retrieve my credit report from Equifax twice in the last two months without avail. The first attempt was in November for my free annual report. I was told by an Equifax rep that they were experience technical difficulties. However, I never received my report. I attempted again today, due to a declined credit attempt, and again the same issue occured with Equifax. They have designed their website to send users in a loop if they do not want to pay for their credit score. It never produces a report. Their phone system also does the same thing.

Equifax has denied me my free credit report in 2008, I have been a victim of credit card fraud and need to see my report, and most recently, I have been denied credit from two banks. According to the federal Fair Credit Reporting Act I have been denied access to see my report twice.

My husband recently applied for a Sears Charge Plus Card. We already have 2 Sears cards, one Gold card and one blue card, each time receiving 10% discount on Sears purchases. About 2 weeks later,we received a letter from Sears Credit Company stating that we were not entitled to the Sears Charge Plus card. We were surprised at this, so I contacted them.

They told me that there was a problem with our credit, so they gave me a number to call, and this number was Equifax. I asked for the reason for this rejection, and they told me that they couldn't tell me anything except that I had to order a credit report for a charge of $10.00. This form stated that we had an overdue balance, and some sort of lien from New York State in the amount of $1,316. It also stated that we charged over the maximum allowed on the card, but my mom, who has excellent credit, was co signer. The overdue balance was paid completely, in 2 payments.

Also on the report, it would not state what the problem with New York State was. I don't know what the lien could be, simnce we don't own any property at all, nor does my mother. The amount that we charged was over the maximum amount allowed ($7,000) for a Caterpillar Machine. But the co signer was my mom. On the form, there were phone numbers that were given in case we needed more information and when we called all of these numbers, they were either not in service or not the right numbers. One number was for the local Fire Department. So therefore, we could not find out anything from anybody. We have always paid our bills on time and have never had any problem with our credit, so we are distressed about this. Please help.

I tried unsuccessfully to obtain my free credit report from Equifax (says I have to do it by mail for some reason not identified and that I have to send a 10 digit pin with some other information - I had no trouble with Experian or Transunion - Equifax sends you to their website to sign in, you can only obtain a 10 digit number if you pay for one of their products - the 7 day a week customer service leads to no one at all, just a lot of sounds and then hangs up - so if you have to pay to get a free report and cannot obtain any information from a live person multiple attempts made then there IS CLEARLY SOMETHING WRONG HERE!

I got the other two with ease and no problems providing the same information that Equifax does not recognize. what can be done about this?

Major frustration, being duped, when my credit relies on this company as one of the 3 reporting agencies yet I cannot view the report without paying for a service, speak to l live person then yes I think I should COMPLAIN about it to someone who may be able to see what is going on? Thank you

Equifax is selling their products and services on their Web site even though they cant deliver the product. The information give on the site is not accurate and misleading initially stating that the system would be down for 24 to 48 hours, and now stating that they are completing system upgrades . . . As a result, the site may be slow periodically.?

Coming from a credit reporting bureau trusted with the most valuable information consumers have I find this appalling and even unbelievable. Its clear that this company is not reliable, transparent, and cant be trusted.

I read an article in your website suggesting to receive my annual free credit report from the 3 credit card reporting companies. Of the three Experian worked smoothly. However, TransUnion and Equifax sites request that I log in to see my credite reports.

However, when I entered my personal information to receive my credit report, I was never asked to provide a LOG IN NAME NOR A PASSWORD. Hence, I was only able to receive my credit report from one company. Please note, I had not requested my credit report in the last may be 4-5 years until today. Thank you.

This credit bureau seems like a reputable agency until you need to actually get in touch with someone. They offer credit monitoring services that are automatically billed to your credit card each month. However, if you'd like to cancel these products, good luck. I called the telephone number they provided and followed the correct prompts, but was literally stuck on hold for THREE HOURS AND TWENTY MINUTES before I finally hung up. I guess they think that if they wear you down over the phone, you'll give up and let them continue to bill you for their product. What a ripoff. I was pleased with their service at first, but now I think it's a scam. Beware!

I have not been able to get my credit report from Equifax. They have mixed my credit report with my sister's for years. After sending them the requested documents to receive my credit report, they respond with a confirmation letter that has incorrect information. So, I called Equifax, only to be asked for the same information, put on hold several times for longer than a minute or two only to be unsuccessful in getting my credit report after over 30 minutes on the phone. Then they told me to go ask my sister to fix the report. I told them no because if my information was mixed with a stranger's report, do I go ask them to fix it myself? Then they blamed the credit companies who report the information to them, saying they reported it incorrectly to Equifax. Well, I know Equifax is not paying attention to the information and lumping everything together. My sister keeps having to remove my information from her credit report from Equifax, while my report doesn't exist.

Can't fix my credit report if I can't see it. Then I am blocked now because they put me on fraud alert.

I have been using credit card debt to finance improvements to a rental house I own. I had a maximum debt of $65k in May, 2008, and have worked it down to $51k and counting. I have a very good on-time payment history according to Equifax. In October, I paid down total debt from $60k to $54k, and during that period, transferred funds from 2 high interest accounts to low interest balance transfer offers on existing cards (Discover and WaMu).

During this period, Equifax lowered my FICO score from 699 to 696, instead of going up considerably with the lower overall debt. Presumably, as I am now close to the limit on Discover and WaMu, I'm a higher risk. But this is an overly simplistic algorithm which ignores the fact that my total debt is significantly lower. I believe this quirk in the algorithm is intentional so consumers have to pay higher rates on future loans.

I honestly don't know if I have been damaged yet. I refinanced my rental and the loan officer said the rate was the same up to a 720 FICO score. But I am certain in the aggregate, this practice is costing consumers significantly.

I tried to call equifax and after being on hold for 32 minutes. I was told my husband would have to call to update information. Fine. But since then we are unable to get a hold of a live body. Please give us a good phone number to be able to talk to someone so this can get updated and we can switch cell phone service to AT & T. I myself find this very unacceptable for a business.

Stress and not knowing when they will cut off our other cellular service so we will not have any.

I made update on my credit history in Equifax, Experian, Trans Union after Bkpy Chp 7 and discharge to make sure that my obligation are included in and there is no more past due balance on my report. Starting from January 08' to today I sent couple of letters to open disputes and resolve this problem -no success from those 3 Agency to make a update on my credit report. After all this time they still reporting that I'm past due balance -every month increasing more days. This situation with 3 Agency can not help me to show my real financial status of myself right noow to in the past before Bkpcy.

3 major credit Agency still reporting even after Bkpy that I'm past due like 90, 60 and more days on my accounts where they should stop after discharge on April, 08' Results is I can not re-build my credit history what affective my truth side of my obligation- situation right now I can not show how I'm doing right now that I'm paying on time because they still showing after Bkpy no truth on my credit report.

I was recently denied enrollment with an online trading company because I failed an Equifax security question. The security question demanded I say yes to the fact that I had a mortgage on a house in 2006 but I have never had a mortgage in my entire life. I then pulled up my credit report and there was not a single thing about me ever having a mortgage so I can't see how I failed the security question. I did notice that there was some derogatory about a gas card which was open and current but was initiated 18 years ago with a standing $282 balance. I contacted the gas card company and they could not locate any information on me and were puzzled as to why Equifax would list the account number on this fictional debt as Unknown.

So I try to contact Equifax about this and the website says I need to order a credit report, get a confirmation number and then call them with the number on the report or input it into an online form. Well I fill out all my info on the online form but at the end I get told that they cannot send me my report, for a variety of vague reasons, or any information that I NEED to contact them with either by online form or phone call. My only choice is by mail and if you google Equifax and mail response you will see that correspondence by that route is very slow and frustrating. They are making money off of my information, information that is incorrectly listed, so I think I should be entitled to contact them in an easier manner.

Lots of stress. I am being denied applications for credit because of incorrect information and I am/will potentially pay hundreds, maybe thousands, of dollars higher interest.

I'm trying to find out why Equifax keeps coming up every time I try to apply for any type of services. I never had a checking account,so what is it? I've tried to open bank accounts, sign up for engery programs, tried to get credit to buy furniture, energy assistance, and this Equifax keeps coming up and I'm being denied. If you can please help me find out the problem ill be most grateful. How did I get involved with Equifax?

Went online for free credit report, Paid $7.95 for fica Score. Still have not seen either one. Site took me to a log on page. But did not give me the info to register. I am contaction my bank now to cancel payment to them. Also cannot reach anyone by phone or online email. Site needs shut down and fined by the Goverment for ripping people off.

When I tried to access my free annual credit report, I was brought to a screen for members where I was asked for my username and password. There was no way to view my credit report.Equifax keeps shuttling me to screens where I can purchase Equifax products. So I can only receive my credit report if I pay them money. They are violating the annual free credit report law.

I have to pay to recieve my credit report.

I've had this service for several years and have been quite happy with it. But over the last couple of years, I've had terrible experiences renewing the service, having to endure long phone calls with customer service, 30 minutes (one time about 1 hour!) I signed up for the credit watch, they charge my credit card but I was unable to access the reports.

I called them last night, and they said that there was something wrong with the system. So I tried all day today, and still no luck. Tonight I call back, another 30 minutes and they couldn't figure out what was wrong. I told them: I've already paid for the service, so where is it? -- I don't think I was being rude, but they were unable to provide an answer to that simple question! Finally, the rep said, she would keep trying and then she would call me back. Which she did about 1.5 hours later, and all is fine now. Tip: The call back approach would go a long way to improve customer service!

Time wasted and frustration

I placed a call to cancel an Equifax product at 4:15 pm December 3rd 2008. It is now 4:52 pm and no one has answered still. The hold music just plays over and over again.

Like many others have already noted, I tried to get my free annual credit report and my FICO score for $7.95. Had no problem signing up and they had no trouble taking my money. But I couldn't access either the report or my credit score from their online screen. Took me to a login screen where I couldn't log in because I wasn't registered. Was never offered an opportunity to register. After way too long navigating the Equifax web site, I finally called a phone number I found here, talked to a person who actually transferred me to a real live person (in India) who could help me. This is Personal Solutions Customer Care. The guy was actually able to help me get registered and I finally logged on and saw both my credit report and FICO score. Be prepared to answer 20 or 30 questions to prove who you are....and to listen to a hard sell for purchasing more of their services. But at least I was able to get what I paid for. Good Luck!

1) It is impossible to contact anyone at Equifax. 2) I have twice ordered a copy of credit report via mail, the last one more than eight months ago, and I have yet to receive a copy. 3) You can order one online if you have a credit card (seems to work when you are giving them money). Please forward this to responsible government agencies to both Canada and United States. Equifax is beyond incompetence.

My Equifax credit reports contains completely inaccurate information including wrong social security, wrong date of birth, wrong address, over 40 credit cards that are not mine, mortgages that are not mine. I have attempted to contact Equifax for the past 8 months to have all this information corrected. The only form of contact is via postal mail.

After making my case with the company via a letter, they asked me to submit documentations verifying my documentation. I have sent the company my drivers license, my U.S. passport, birth certificate, social security card, etc. I have sent the company every piece of identification documents that are available and the company has made no efforts in correcting the information.

These documents were sent at least 4 times with certified mail from the U.S. Postal Office to ensure the company receives them. The only letter I have received from Equifax in response to my claim was that Equifax is not able to identify who I am. As a result, my credit has been reduced from 750+ to 400, below sub-prime. My credit card limits have been reduced to laughable levels.

My salary is well above six figures and my credit has always been maintained pristine. Currently, due to the mistakes of Equifax and inability to fix their mistakes, I cannot even get a loan for a car, let alone apply for a mortgage. If it is possible, please help me fight Equifax. I am willing to supply any documentation necessary to further my cause and reach a solution.

Also, TransUnion and Experian (the other two major credit reporting companies) have the most update and accurate information containing my history and identity. My credit score with these two companies is above 750.

i recently went to a store and my entire credit card number came up on the receipt that they keep so i went online and saw that equifax had a fraud alert program. the sytem asked for all my personal info and then a rep came on the and i told that i changed my mind and she was like too bad you have to keep it for 90 days then hung up.

i have excellent credit and now i need new tires so i was going to go to sears. when i learned that one of the drawbacks was opening up a new account iwant apply for a sears card to get 10 percent off and i do not understand whats what. I JUST WANT THE FRAUD ALERT OFF. I DO NOT NEED THE HEADACHE. WHO DO THEY THINK THEY MAKING YOU KEEP SOMETHING YOU DO NOT WANT

We cant seem to get Eqifax to correct anything on our credit reports or to remove unverified info , to prove how they verified this info ..they are also repeorting credit cards on my husbands account that are not his...... only mine individual accounts reporting his as an authorized user even though he has never used them ..liens from his business that were satisfied we sent certified mail to all creditors equifax hasnt removed them its been a year..also old credit stuff on borth of ours ...mine they have unverified false accounts ..sometimes reported twice anything i have sent in they refuse to put statements as to my disputes...transunion and equifax have done some things for mine ..i am not finished with his yet ..as of hyet i have seen nothing chnaged on eqifax in fact he was denied credit just this month and they denied me access him access to his credit report !!!just today Nov 16 , 2008

OUR CREDIT IS RUINED plain and simple

About 1 month ago I applied for an equity loan on my home and was told that my credit score was run at that time and it was 750 and today only 1 month later I get an equifax report showing the score to be 695. Like all others I called and only got automation and went online to file complaint but was unable to do so without paying. People are having a hard enough time right now getting loans and they don't need to have to deal with such incompetence.

If I get my loan the interest rate may be higher because of equifax and we are all struggling as it is.

I received a notice that my information had been on a stolen laptop. I went to the AnnualCreditReport site, filled out info and was transferred to Equifax site. There was no way I could request my free credit report. I could not create an account without signing up for a paid service and without an account I could not get my report. Equifax is very obviously not complying with the law - I went to Customer service,I called the number they listed, it was an automatic answering site and there was no choice that allowed me to get the report nor report that I was unable to get it. I think there are enough reports of similar experiences to expect some action to be taken.

I do not have my credit report and thus have no way of knowing if my account has been compromised.

I applied for a personal loan through Citifinancial. I was denied because the representative told me that my student loans through AES was showing as a monthly payment of $1300. I contacted Equifax, at least, three times and have completed three online dispute to correct this error. I pay only $240 monthly for my student loans. I have never been late and currently they are in deferrment.

Every time I receive an updated copy of my report, I do not see where my monthly notes are referenced. I have tried to correct this problem many times, however, the solution is not available. What can I do? I cannot physically go to Atlanta, GA and make Equifax report the correct information. I am at my wits end.

I am unable to consolidate my remaining loans because of the erroneous information that is reporting from Equifax. I would be able to save at least $300 monthly, if I was able to consolidate my remaining loans.

Cannot contact these people. Only have automated services. No live contact. They continue to report eronious information. Does anyone even work here? They have an online dispute section but you can't disbute anything unless you buy one of their services. And you can't get a live person on the phone to help reset security profiles.

Because of the wrong information my credit score dropped from 700 to 576. This company is the most incompetant outfit I have ever delt with.

This credit bureau should be investigated by the feds. It is a scam pure and simple with absolutely no way to correct a credit report that is outright wrong. You cannot obtain your free credit report as they run you around every angle, write to this address, no another address, I then forwarded my request to the right address to get a letter back telling me that my free credit report was going to cost me $7.95.

Forget about obtaining it on-line for free. Without the report you cannot dispute any incorrect information - period! So, you are denied credit, run ragged for a company that is allowed to ruin people's lives unchecked.

Being denied a home loan because I have not avenue to correct incorrect information on my Equifax report.

I tried to retreive my credit information and was refused by Equifax

When I and two family members paid Equifax in Atlanta, Georgia to add a security freeze on each of our accounts, they failed to send us our PIN numbers. When we switched utility companies, we were told we had to pay a deposit based on info from Equifax and were given the address Equifax, PO Box 674402, Houston TX 77267-4402 to receive the credit information provided by Equifax under the Fair Credit Reporting Act. The letter was returned not deliverable as addressed.

I also requested a free report by phone and received a letter from Equifax in Atlanta, GA stating I had to send the PIN number or they would not send me my report. The Equifax letter offered to sell me my credit score for $7.95 without a PIN number. A replacement PIN number can be had for $10 each netting them another $30. It appears this whole ordeal is designed to extort more money.

I called the Equifax number furnished by the utility company 800-392-7816 and was told Texas residents have to use CSC for Equifax reports and that is the reason we were not given PIN numbers AND the rep told me to send a copy of my social security card and a copy of my driver's license to yet a different PO Box addressed to CSC for the report. None of the three credit reporting agencies ever asked for these copies. Red Flag Alert!

I asked for and received credit reports from Experian and TransUnion and received them without a demand for a PIN number for MY credit report to be sent to me. If you failed to receive your PIN number from Equifax, please complain to the FTC and your state Attorney General's office.

When I tried to discuss with Equifax by email, it kept telling me I could, if I log in. I got another 1-800 # for Equifax and both the operator who could not help me and the supervisor who refused to help me and then hung up on me when I said I was filing a complaint, were EXTREMELY rude and refused contact information to file this complaint.

I was denied credit due to inaccurate information on my credit report that was report by equifax. The letter said to call and request a free copy of report within 60 days. Waited on the phone for exactly 43 minutes as per my phone receiver. I eventually hung up.

I eventually try to obtain it online it said I couldn't do it. I ended up sending a copy of my drivers license and a utility bill. Then I spoke to someone who said I had to send in 10.00 to get it. I had to give her the name of the company I applied to for credit and then she transferred me which I am still holding on for.

I am unable to obtain credit.

There is a delinquent account on my report from an identity theft that occurred in 2004. I submitted documents to dispute proving that the account could not be mine because it involves a residence the thief was living in in Florida while I was always living in New York.

The other two bureaus removed the account. Equifax refuses to remove the account. This delinquent account is lowering my credit score and making it more difficult for me to obtain financing for a home.

I had paid off some items that had appeared on a credit report recieved a few months age. I wanted to make sure that the payments were reflected on my credit report. I contacted Equifax online and began filling out the required windows, in order to get my report. I was annoyed because they were advertising the fact that you could get a free credit report. This was absolutely false. The way that it is set up, in order to receive a credit report,one of their products has to be purchased. You are told that you have 30 days in which you can opt out, but there is no one to call to opt out.

After signing up for a product that I really did not want, I tried to access my information using the password and username, it did not work. In one of the windows, there was a number that I could call for help. When I called in, the only way that I could get help was to agree to a 3-point product, that I really did not want. I felt as if I'd been set up. I only agreed to purchase the 3-point product, after I made the person assure me I could opt out after 30 days, so that I could go forward.

Here's what really got my goat, I was told by the person that I spoke to, that my password would be sent to my e-mail account. When I checked the e-mail account there was a form that had no password, but looked like a script that a person from Equifax would read from. When I tried to call the 800 number (numerous times) to find out what was going on, I receieved a bunch of prompts, but could not get a live person to speak to. None of the prompts could help me with my problem.

I got so frustrated that I e-mailed Equifax, letting them know I wanted to cancel my order, since I had not gotten what I paid for. I never received a response from them.

For the past 3 years, I have really been diligent with paying my bills on time in an effort to bring my credit score up. Since I have "Scorewatch" to monitor my credit, I noticed that there was an account from SNET that was in collection from 2004 in the amount of $14. I went back through my records and found that it was paid so I went ahead and disputed it. When I did so, EQUIFAX reported it as a paid charge-off as of the month of the dispute, which was August of 2008. This in turn caused my credit score to drop 23 points immediately.

I was able to get a hold of the creditor who was now AT&T (after the acquisition of SNET) and found out that it was considered a charge-off because I still owed FIVE CENTS on the account. I paid the five cents. They then faxed me a letter stating that this account was PAID IN FULL as of March 3, 2005. After countless disputes and investigations submitted to EQUIFAX, they have to date still not rectified their reporting of the account as being a PAID/CHARGE-OFF as of March 2005.

They are STILL reporting this as a charge-off as of August 2008. I have submitted the same dispute five or six times now with the same result. They've asked me to submit proof from the creditor, which I have, and still refuse to remove the erroneous information from my account. I DON'T KNOW WHAT ELSE TO DO. I have threatened them with legal action, which if this continues will no longer be a threat. It would be a shame to have to resort to a lawsuit OVER A NICKEL FROM FOUR YEARS AGO, but it is the principle of the matter. This nickel can affect me for tens or even hundreds of thousands of dollars in the long run. That is a price I am not willing to pay over EQUIFAX'S negligence. I think that it is time that these credit reporting bureaus face up to how their mistakes are hugely affecting the general public. They should be accountable for their complicated dispute/investigation system, which makes it next to impossible for people to fix credit errors on their reports.

Equifax makes it so difficult to obtain a free credit report. I was denied credit and by law should be able to obtain a report. After spending a half hour on their site, I finally figured out how to request the report. Then the system says it can't process it on line and that I have to call. When I call and listened to 5-10 minutes of options, I never heard one for my situation. Finally, I decided to get my free annual credit reports. I was able to get the reports from the two other agencies very easily. Yet again, Equifax refused to provide my report. I was finally directed to a link that requires me to complete a form and mail it in with two forms of id and a utility bill or something crazy like that.

If Equifax continues to be able to deny or approve credit they should be forced to cooperate with the public. It seems all they want is their $7.95 or whatever for the reports. The other two reporting bureaus set a good example and should be commended for their accessibility and ease of use.

I attempted to get my free credit report from Equifax as per the FACT Act using the web site annualcreditreport. Once on the Equifax site it asks me to log in with a password and user name. To get a password and user name you have to pay $7.95. There are no ways around this that can be seen by a reasonable person.

The customer service numbers they offer do not give a reasonable solution as I called multiple times without getting any further solving my issue. My issue? I'm not paying $7.95 for my free report.

The financial consequence is not just about my own. This business practice surely results in many people simply paying the $7.95 for what is supposed to be offered free. Ask Equifax how many users they have signed up did so under the pretense that what they were getting was free? Then you will know the economic damage. Personally I have lost my time.

I purchased a $14.95 credit report from Equifax online consumer credit reporting agency.To my regret the company has been playing in my account 20 times without my permission withdrawing $14.95 then refunding it right back.I have spoke to several supervisors,Jill P,Rachel,Dominic and Mike I have also spoke with several crs 's concerning this matter each time I have been told that my information has been deleted from their records and I will no longer see any transactions to my account .Each time within 48 hours there are two to three more withdrawals along with two to three refunds.

The point Like I have tried to explain is not that my account is being withdrawn upon and not refunded because they are putting it right back .The problem is that they will not stop.When I spoke to each supervisor I was told that there is no manager that they can let me talk to ,they will have a manager call me back within 30 min. or that they will escalate the call to the manager and they will call me back .Or the latest one from Mike I will escalate the call but I cannot guarantee that they will call you back.

I have request that they cease and desist. I am still told they will. TO my Dis-pare they have continued to "play " in my account without my permission.It is a great concern that if they are not able to solve this issue how can they be reporting the correct information on my credit report. I am in need of any help that your company can give on how to stop this from happening . You would think you could trust a credit reporting agency but you cant.I was also told that I do not even know how to read my own bank statement and that they are not a fault it has to be someone else doing this . Have they sold my information ?

Tried to get my free credit report with FICO score ($7.95) from Equifax online. I paid and was shown a page with links to my credit report and FICO score...neither of the links work and their online system will not let me in to see my info. Emails to them go unanswered and phone calls take me to an automated system that never gets answered.

I lost my $7.95 did not get the info I paid for and wasted a couple of hours of my time trying to get this resolved. This company should not be allowed to stay in business.

Equifax attached several false reports to my file. I disputed those reports and after 30 days, they sent an email stating that I could view the results on a website they provided. when I attempted to view the site I was denied access. I was informed I could go to another website or call but there is no option for accessing dispute results. Further there is no provision to talk to a person on the telephone answering system maze.

Trying to get a free annual credit report but have now way to access it once it is run. The View/Print report button takes me to a logon screen but I have no logon and there is not any kind of new registration link available anywhere without buying a product from them. This is not supposed to be the way it works.

By law, I am entitled to a free report. I've spent 2 hours searching around the website, trying to call the 800#s (it's all automated on 3 different numbers). As a billable contractor, that's $300 in damages.

I order my credit score from the company and paid for it. I then pressed the link to retrieve it, and was told that I could not have access to the info because they did not recognize me. I called the customer service number to ask for a refund. I waited 40 minutes just deal with the situation.

I told the representative that I wanted my money back. They said that unless the purchase was an accident I would not recieve my money back. I said that I had not accessed the account and wanted my money back. They said its company policy to not refund money on one time internet purchases. I ask to talk to a manager. They said all their managers were in a company meeting. I told them I would file a police report. They passed me to someone else in the department who said the same thing.

Its not a lot of money, but they should not be able to just say no we are not going to refund your money. Its wrong.

I applied-for and was denied a federal "parent plus" loan for my son's educational expenses based on an unknown item contained in my Equifax report. Equifax denied my request, I am told and that's all I know about the reason why. To address the issue I was directed to get a copy of the report by the fed. loan origination center, but I was locked out from my "free" online annual report by Equifax for another unknown reason? I sat for over an hour on the phone waiting for their next available operator. I have NO reason to believe they will respond if I send their form by mail and certainly will be out of time.

Have problem with equifax report. Wrong information. Name was changed to my brothers and his information added to my report.

Tried to obtain free report but got the royal run around both on line and no one will answer phone at equifax. Should be one less credit reporting company. My opinion only.

I placed a request to have something removed from my credit report. They contacted me via email with a conformation code and sent me a link to a form where I was to use this code along with other info; street number,last name, last four digits s.s. #, numbers from my street address. I filled out the form and it told me there was no information. I have had other problems with thier website and I am at the end of my rope with this company. The other two companies I delt with concerning this issue were simple and I am satisfied with their service.

I think Equifax is an awful company and I hope they are investigated soon for their constant screw ups. Maybe they are leaking my personal information all over the place with their bumbling habits.

They list me as living in Graniteville South Carolina. I don't even know where that is. I have only lived in Greenville and Seneca, SC. I requested to know where they got this information and they said it was accurate. There has been no identity theft, they have made a mistake that they refuse to correct.

This is showing up on an Equifax Credit Report. Problem 1. This is not a law firm 2. it is reporting a medical expense that has been paid in full 3. my efforts to contact this number have resulted in getting an answering machine and they do not return the call 4. when I googled the address to get directions to see if it existed the number is listed to a residence in Atlanta and not the one above

After applying for cel phone service, and having been denied, without a security deposit, I later received a letter about where to retrieve my free credit report. So, I followed the procedure as requested by the letter from at&t, called Equifax, then went online, paid the fee, and was then told I cannot retrieve my report online. call 1-800, I did, and was told the same thing, go online and place your order. And three times later, here I am typing this report to find out what, why, and who did this. I just want to see who I need to, in order to view and try and clean up my report,as a full time student, money is scarce and hard to come by. After applying for private student loans and constantly being denied, I need to know why.

I'm unable to secure work,any type of finacial benefits, buy books for school, this semester, I need a laptop for web design class, and cannot afford one. I applied for credit at Best buy, got turned down for a Six hundred dollar laptop. I ca'nt get my teeth repaired because I have no insurance, because my credit report is so elusive, I don't know what I look like to the world. So, no job, no teeth and money to complete college. What happened to the American dream, I've served in the Army, served my country, and now I can't even see my own credit history? Is the American dream just that, your ability to pursue that happiness, it's not really there for you to have? Tell me I'm wrong, please...