Equifax Reviews

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About Equifax

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Pros
  • User-friendly online access
Cons
  • Long wait times for support

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Equifax Reviews

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    How do I know I can trust these reviews about Equifax?
    • 4,695,738 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Price

    Reviewed July 13, 2025

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

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    Customer ServiceStaff

    Reviewed July 12, 2025

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

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      Customer ServicePriceStaff

      Reviewed July 8, 2025

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

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      Customer ServiceReliability

      Reviewed July 4, 2025

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

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      Customer Service

      Reviewed July 2, 2025

      Equifax has a problem. Years ago I had their service without any issues, but for the past 6 months I have been trying to set up a new password. I have talked to their customer service and can NEVER seem to get the issue resolved. They ask endless questions about my past credit history, where I lived, old phone numbers, etc, but their information seems to be really out of date. I think they pretend they have up to date information but in reality they do not. It should be this hard to verify my identity.

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      Customer ServiceReliability

      Reviewed June 30, 2025

      On 6/29/25, my computer stopped working properly, I finally got it fixed and tried to lift a freeze from Equifax on my account and I could not log in. I went through their verification process by taking a selfie and uploading my driver's license and that did not work. On 6/30/25, I contacted them again and did the same thing with them over the phone. Once again, they could not verify my identity even with having my driver's license and selfie. Now, the only way I can get this fixed is to mail a letter to them with ONCE AGAIN a copy of my Driver's license. This company is the worst credit bureau I've ever dealt with! They DO NOT HELP YOU! Problem is they really don't care! They should all be fired and the bureau dissolved!

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      Customer ServiceStaff

      Reviewed June 19, 2025

      They signed up for a $40/month plan to separate my credit file with my spouse. After charging $40/month for 4 months, finally they separated our credit files. There was no option to unsubscribe online, so I had to contact support. The live chat told me cancellation is only possible by phone. When I called, the agent asked for all the info to verify my identity, they refused to do so as my wife wasn't with me that time. I said I just wanted to cancel my subscription. This company is very frustrating and looting all the money from the customers based on the subscription plans and they don't cancel the subscriptions!

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      StaffReliability

      Reviewed June 19, 2025

      Array API Provider for Equifax: A Broken System Masked as a Solution. In the competitive world of credit reporting and financial data APIs, reliability, support, and transparency are non-negotiable. Unfortunately, Array—the current API provider for Equifax—is rapidly gaining a reputation for being the worst in the industry.

      A Fractured Platform. Array presents itself as a gateway to Equifax’s powerful credit data systems. In theory, it should empower businesses to access consumer credit data reliably and efficiently. In reality, the platform is riddled with bugs, beta-stage tools, and broken promises. One of the most alarming issues is that users are often abruptly kicked out of the system, losing access to mission-critical data with no explanation or warning. Many businesses have reported being locked out entirely after integration, left scrambling for support from a company that barely responds.

      Fake User Issues and Data Integrity Risks. Equally concerning are reports of fake or ghost users being generated within Array customer management interface—creating massive compliance red flags. This poses serious risks, not only to end-users but also to resellers and partners who depend on accurate data for legal and financial compliance.

      Beta-Grade Software at Production-Scale Prices. Despite marketing itself as a reliable enterprise-level solution, Array platform often feels like unfinished software being tested on live customers. The customer management portal, in particular, seems to be in perpetual beta—glitchy, unreliable, and devoid of the most basic operational transparency.

      Leadership in Question. To make matters worse, insiders and clients alike have described the leadership at CRS, particularly the Array, as unprofessional and hostile. Numerous users report being treated dismissively, especially when raising legitimate concerns about outages, faulty data, or mishandled client onboarding.

      Worse Than the Rest? Some in the industry have compared Array unfavorably even to Array, a provider often criticized for high fees and limited support. “At least with Array, you knew what you were getting. With Array, it’s like a roulette wheel every time you log in,” said one reseller who recently pulled their client portfolio from Array altogether.

      Final Verdict: Stay Far Away. If you’re considering integrating Equifax data into your credit, lending, or identity solution, do your due diligence before signing anything with Array. The lack of professionalism, broken systems, and high-risk infrastructure make Array a provider to avoid at all costs.

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      Customer ServiceStaffProcess

      Reviewed June 17, 2025

      I signed up for a $30/month plan with Equifax Canada and tried to cancel after one month. There was no option to unsubscribe online, so I had to contact support. The live chat told me cancellation is only possible by phone. When I called, the agent asked for my SIN to verify my identity, which I refused to give. I provided my account number and name, but then he also asked for my email and phone number. I felt uncomfortable and said I just wanted to cancel my subscription.

      When I asked to speak with a manager, he refused and said I had to provide all that information first. For a company that handles sensitive data, this process felt invasive and unacceptable. I’ve canceled my subscription through my bank and reported the issue to the Privacy Commissioner. I would not recommend this service to anyone.

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      Staff

      Reviewed June 6, 2025

      Greedy company, even after going through a data breach they believe 5 dollars is all their customers are worth. 🙄 They have no dignity or morals but I'm sure it’s a reflection of their own person and families yet can’t expect much of of unethical people to do right for their customers.

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      Equifax author review by Ashley Eneriz

      Equifax is one of the three biggest credit bureaus in the United States. They work with over 800 million consumers and 88 million businesses worldwide. Equifax has grown from a consumer credit company into a multifaceted information company.

      • Equifax Complete Premier: This subscription product provides three-bureau credit scores, provides alerts about suspicious activities and helps monitor your credit and Social Security number. This product is also available in a family plan.

      • Credit reports: Consumers may choose from a credit report from Equifax or a credit report from each of the different credit reporting agencies.

      • Fico products: Equifax offers a Credit Score Watch program which monitors the consumers FICO score. Their Score Power program includes a personalized score explanation and score simulator.

      • Credit report assistance: Equifax assists consumers in obtaining their free annual credit report and disputing information on a credit report. Additionally, individuals may request a fraud alert and place a security freeze on their report.

      • Credit education: The Equifax educational portal informs consumers about credit scores, credit reports, credit monitoring as well as identity theft protection.

      • Trusted: Equifax is one of the major credit bureaus and has a highly regarded reputation.

      by Ashley Eneriz Deputy Editor, Personal Finance

      Ashley is an expert finance writer who worked for 12 years with top names in the industry, including Discover, The Hartford, ScotiaBank, Chime and Synchrony. She joined ConsumerAffairs in 2022, and specializes in coverage of banking, credit repair and debt management. Her writing has also been featured in Forbes, Time, Yahoo, MSN and Reader’s Digest. In her personal life, she enjoys homeschooling her three daughters and writing children's books.

      Equifax Company Information

      Company Name:
      Equifax
      Year Founded:
      1899
      Address:
      1550 Peachtree Street, Mail Drop 65
      City:
      Atlanta
      State/Province:
      GA
      Postal Code:
      30309
      Country:
      United States
      Website:
      www.equifax.com