Equifax

Every other credit reporting agency doesn't make it so hard to add or lift security freezes. Experian is the best and TransUnion was a pain but nothing like Equifax. Imagine having no way to recover a pin on their website. They don't make the number easy to find. Then when you finally get through you get someone who can barely speak English asking impossible questions. What is confirmation number, when did you originally apply the security freeze. They want the month day and year. Like you're really going to remember that. Come on now. If you fail you then have to send a letter with copies of your identification. It takes forever. They are punishing you for protecting your credit. I really wish they would go bankrupt. I would never use an Equifax product again.

Both of my parents are deceased. Father in 2013 and my Mother in 2017. When I received their credit card statement in May a charge dated 4/13/2018 in the amount of 199.99 was showing for EQF*TID TRUSTEDIDSERVI. I contacted the number provided on the statement and was informed they needed confirmation. They requested I send in copies of the death certificates, SS #, Mailing address and phone number along with a copy of my driver’s license. Then I needed to wait 10 days before calling them back.

I had identity theft and promptly put a fraud alert and freeze on all 3 credit bureaus. Two credit cards were opened in my name and I only disputed those two. Equifax disputed ALL of my credit cards resulting in four cards being closed, three I have gotten back, (one dispute they put through was on an account that was closed 32 years ago and another closed 9 years ago). Equifax had told my creditor's I had a new address, which was the fraudulent address and they almost sent my new cards there. The rest of my cards were blocked. I had to constantly contact all of my accounts to get everything back in order. The time that this took over a matter of 6 weeks and having to do it more than once has been ridiculous.

Equifax has continued to allow false or incorrect information to remain on my credit report. I have disputed inaccuracies numerous times, with documentation to prove those inaccuracies and they refuse to delete them.

I've been hacked more than once. Just when I think everything is resolved, it starts again, charges on my credit card etc. I have changed my credit card 3 times, the first time I under a free sample which was really my fault because it was actually a membership where they send you skin care product every month and charge you over $150 US for skin care you can buy at pharmacies for $60. It was on the Fifth Estate, a Canadian that lived in California. Fool me once, but not twice. I have a new credit card. Do not order online anything anymore. I realized it started again getting charges on my credit card. Looking back what I did in the last month. I had purchase a monthly service with Equifax so I can check my credit score again, and to make sure nothing negative. Sure enough I see my credit score is low 585, after paying well no late payments for 6 years.

Worst customer relations ever. Can't dispute even personal information without having to mail copies of my license, my SS card, my utility invoice. A credit reporting company that wants me to MAIL a copy of my SS card. Joke #1. Trying to "chat" is joke #2. One field to fill out: email address. No submit button, no link to continue. I hit my enter key. Error message: "please fill all required fields before attempting to initiate a chat" Huh?? ONE field, filled. On to joke #3: trying to contact a live customer rep. I finally find a number, call. First call, disconnected. Second call "Bran" needed me to answer a security question: What's the credit limit on one of my credit cards (a specific card)? What?? I've had that card for years, and I'm expected to remember its limit?? Isn't there another security question? No. NO??? At that point I disconnected the call. Equifax is impossible to deal with. Soooo much simpler with TransUnion.

By far, THE WORST of the credit bureaus to deal with. None of the features work on their website. I was in the middle of submitting a dispute (for two companies) and then automatically booted out of the system. So, I try again...answering all of the security questions and begin the process over again... to be booted out of the system RIGHT BEFORE pressing the submit button. Alas, I try a third time, except this time the system does not recognize me. At all.

I have two addresses under my name - not mine. Phones under my name - not mine. Scotiabank visa card - not mine. SO, I asked to be a fraud alert under my name, because DUH. They don't. They investigate it, and when they don't find any proof that it's fraud, they LEAVE IT. I asked to put an alert multiple times, and I even had a police report. Nope. They still closed the investigations and didn't put fraud alerts under my name. I now have really bad credit, with all of that info and it's not even me. Transunion is way better than Equifax. So apparently now I gotta wait 10 years for my credit to be good since Equifax doesn't want to do anything. THANKS!!!

Their website is absolutely horrendous. I was in the process of disputing two accounts which do not belong to me, and the website closed. Normally, not a problem. I re-opened and had to start the entire process over. After entering my identifying information a second time, I was informed that I am apparently non-existent, despite entering the exact same information I entered previously.

I disputed inaccurate information on my report. It was a charge from a collector I had no knowledge of. I was positive it was not mine but how can you prove an account is NOT yours? Multiple disputes with Equifax and they always came back with same response saying the information was accurate. To prove to myself what I already knew I disputed the balance reporting on an account that had not updated and was paid off 45 days prior. I have a receipt showing the balance on this account is $0 and paid in full. AGAIN, EQUIFAX SAID INFORMATION WAS ACCURATE AND HAD BEEN VERIFIED AND THE BALANCE WAS $4300.

On May 11th, I ordered a copy of my 3 bureau credit report. The report did not show any credit history. I contacted (by email) Equifax customer care. 3 days later, they closed the case without providing any information as to what they did to correct the situation. I then contacted them by Chat and for some reason, in the middle of the conversation, the Chat was disconnected.

I signed up for this freeze because of the debacle created by EQUIFAX... now trying to get the freeze unlocked and working with their employees is HELL! Just don't do business with this company. The employees in Customer Service seem to have a power rush in controlling what you can do with your account.

I have called customer service multiple times after I was denied access to my online account because, "The information you have provided does not match our records". Each time I called, I was told that my information is correct, but "the website is not currently working because it is updating". When I ask why it says my information is incorrect, they say, "I do not have access to that information." So I ask if there is anyone I can speak to that DOES have access to that information.

I kept maintaining my credit payment on time and in full for over 2 years now and they did not change my score. I ended to a clue that Equifax try to keep you as long as possible with the same score to secure your membership as you cannot grab your score from there if you are not registered and you have to pay monthly payment to be able to access and check your score. If these people lose their credibility with many cases I DO NOT KNOW WHY BANKS and other still use their "UNFAIR" evaluation. I am sure if their applications that evaluate the credit score get audited by the government, this company will be shut down immediately. This is only one side of what they are doing adding the waiting on the line every single contact for over 30 minutes.

First off hold times are ridiculous if you call first thing in the morning when on the East Coast. I have experienced holds of over 25 minutes on more than 1 occasion and finally had to hang up as I have other things to do. Longer holds more understandable if calling after that as more time zones would be calling in. Why not set up a call queue like many companies have to return calls in the order received. Secondly, why do I have to input answers to all questions if you are not yet open? Why not advise us to call back during business hours and state what that is, INCLUDING time zone.

I have had many bad experiences with Equifax. The website is virtually unusable, and I am very computer literate. I will describe as an example my attempt to access my dispute resolution information just a few minutes ago. I had received an email saying a dispute was resolved and it had a confirmation number that must be used to access my report online. I went to the website and the dispute resolution page where I was given a form that included that number and asked for my biodemographic information, including previous address. Because I have auto populate software, it took me about 1 minute to complete the form, but when I submitted it I was told that the process had timed out. I repeated the process, timing my entry, in less than one minute and was again told I was timed out.

I paid off a creditor who agreed to a pay for deletion. I paid almost 1K for the debt to be removed and the creditor has send Equifax numerous letters to delete the debt and Equifax fails to remove it from negative items. Therefore, it still shows that I owe that debt. I did a complaint with the consumer finance and Equifax responded that the debt was not there, yet I pulled my credit report and it is still there! They are liars and crooks!

All I wanted was a quick credit report. After I had entered all of my information and payment details, I was told my card had failed and so I received no product. So I re-entered the card details a few more times in case I had made a mistake, and still no luck. Shortly later, I was billed the full price of every attempt for a near total of $100. No products appear in the account page, and I can't change my payment information to something else (In case they attempt to charge me again) because you need to be subscribed to a product to change payment details. Phoning got me nowhere, and no contact email address can be found on the site. Luckily my account sign-up email contained an address to contact, and when I did I received an immediate response saying they would attempt to process it. There are better alternatives to Equifax by far.

They won't let me dispute charges unless I send all of my documents plus my first born. They scam you. Why is a third party in charge of my information and then charge me for MY information??? Give me my information I asked for and which is MY data.

Recently, after running my report from Equifax, they showed my current last name as a previous name and my previous name as current and likewise for my address. After trying to update this online, I was informed that I need to call, so I did. However, after giving my ss# to some young sounding girl in the Philippines who spoke with very broken English, I was requested to give my DOB, address, outstanding loans, how much my payments were, how much the outstanding balance was, who my credit card companies were and how much I had outstanding on each account... YES... All this for verification, after providing my social, DOB and address. At some point I said that's enough! She wouldn't move forward with my request to get my name and address updated.

Equifax updates when they want. I had a bankruptcy. The other two bureaus are updating and allowing me to dispute but not Equifax. Why do we use these entities when they are so inaccurate??? I tried to create an account and they sent me in circles. I can't get this items disputed and so many are wrong. I have the bankruptcy papers to prove it. It is ruining any chance I have at recovery from domestic violence and getting on with my life.

I filed a dispute based on inaccurate info, got an email from Equifax saying they had the results of my dispute, but when I clicked on their link I kept getting "We are unable to process your request." I called and finally got a human who barely spoke English, getting asking me the same questions and didn't understand what I was saying. He put me on hold 3 times. Finally I asked if the website is broken and he said it was. Also while waiting for this guy, I agreed to participate in a customer service survey and was told to stay on the line after the call, but after he hung up and I stayed on the line, nothing happened.

We have had issues with identity theft on my husband's reports. The other 2 agencies investigated and removed the accounts, 2 with the same company. Equifax refuses to remove the accounts. So we are left dealing with our own credit monitoring agency, that's correct!! We pay them each month to monitor our reports, and the suspect company. After police reports, federal government reports, etc... 2 years later and still being jerked around, we have had to retain an attorney to clear this mess up. Thank you Equifax.

EVERY single time I call this company, I get nowhere. Recently my car was totaled and I wanted to apply for a car loan through my bank. They said one of the credit bureaus had the wrong social security number for me so I would have to call and figure out which one did. I called Experian first and they had it wrong, but easily made the switch and sent me a letter in the mail confirming they had fixed the mistake. I called Equifax and spoke to a man who said he could not find me anywhere and that I must not have any open credit cards although I already told him that they must not have the right social for me.

I've an issue with erroneous info in my Equifax database, consequently when changing banks, the entity submitting the monthly check to my new bank does not recognize my identity. I initiated a dispute claim and it's being processed. I contacted Equifax multiple times at various times of the day and ALWAYS get the same caution "We are experiencing extra-ordinarily high volumes at this time". So I try a CHAT sessions during regular weekday hours. 3 times NO response whatever after the initial pre-call welcome stuff. The 4th try, someone apologizes and declares they are busy. Well, I expect they are busy ALL the time. The system isn't designed to handle volume.

I called Equifax to do a temporary security freeze lift. I was on the phone with this guy for 30 minutes verifying who I was; he asked me misleading questions so I couldn't be verified. Specifically said "do you HAVE student loans, bank or auto loans?" I confirmed my student loans and the amounts. He continued to ask about more CURRENT loans. I said no because they were NOT CURRENT. Finally he asked about previous loans and I confirmed them. These loans were from over 6 years ago... They are nowhere near current. I was also waiting after the end of the call to leave a review for the worker, and I believe he wouldn't hang up the phone for me to do so. Work on your customer service!!!

This company is so poorly managed and couldn't care less about helping consumers at all. There is no one to complain to about it and they know there is no accountability soooo they do nothing to help. Equifax is not reporting and even though they have ID they won't release the report. It is truly unbelievable.

I had my credit severely lowered because Equifax and TransUnion both gave a bogus credit report to my card company. My brother is on disability and has had problems paying some bills, they used his address and bills on my credit report. I have informed them of the fact and showed our addresses are different but they still refuse to change my credit report. Very sloppy investigating by them when bills come to different names except the last and addresses.

I use Credit Karma to monitor my credit. I had 2 derogatory marks. The first was for a medical bill which I verified was paid in 2014, and never came off of my credit report. I spoke with the collection agency who initiated the collection, they verified the bill had been paid since 2014, and that it should have come off of my credit report a long time ago. The other one was from an electric company for an electricity bill on a rental house. I was unaware I had an outstanding bill with the electric company, as the bill was going to my rental house.

After news broke about the Equifax breach, I went about freezing my credit with all three major credit reporting agencies, including Equifax. I did so using the online portal where I gave them all the usual information. In return, I was given a PIN to be used to lift the freeze at a later date. Well, now it's that later date. I tried using the online portal per instructions, but it stated that my request could not be processed then provided steps to mail my request. They want me to put my sensitive information as well as copies of my ID, another form of identification (such as a bill), and PIN to verify that it is me. That's all fine and dandy, but I'm not exactly confident in sending this physically to them through the mail. So I tried calling them directly. The number given would only begin a freeze or issue a credit report, despite stating that I could request a lift.