Consumer Complaints and Reviews
Equifax was trying to get me to pay for my free credit report by doing what they have done to many people. They put bogus questions so that your answers are "none of the above", then refuse to give you your free credit report, claiming that your information does not match. This causes people to think that there is fraudulent activity on the credit report, and causes people to pay for the report in order to address the fraudulent activity. Unfortunately Consumer Affairs will probably block this post like they did the last post.
Here is how I got Equifax to give me the free Credit Report that they owed me: I went to Equifax.com and clicked on "Dispute info on credit report" down at the bottom of the page Where it asks for a 10 digit confirmation number. I put all 9's as 9999999999 then filled in all the information. In the text I told them that if they did not want a lawsuit that they should give me my free credit report, and remove any fraudulent activity. After a few days, I got an e-mail in response to the matter. Following the link in the e-mail got me a pdf with their response and credit report. Included in my credit report that creditors can read is my statement to them, but they changed it to all caps, and removed all of the periods. LOL.
So now every creditor that pulls my credit report will see the following: "Unless you are wanting a lawsuit I'd recommend you get this matter taken care of immediately send me my free credit report immediately and remove all fraudulent accounts from my credit report. If this matter is not resolved in good time I will be filing a law suit for your fraudulent activities." So if Equifax is playing the same game with you, try filing a credit dispute like I did.
How can this company continue to show that I owe a debt when I sent them copies of WRITTEN PROOF that the debt was resolved? Thanks to their terrible, inaccurate, and SLOW resolution process, my credit score has been impacted by a debt that isn't valid. Deeply frustrated by this.
Equifax ignored my email regarding cancelling my report. I requested a report for my credit card around 14 Months ago, I got the report and send them an mail clearly saying that: "I do not want your company to check my credit anymore." Now after 14 months I found that they ignored my email and keep charging me each month for 16 CAD for the past 14 months! I will never use this company and absolutely never recommended them.
Try cancelling the $16.95 charge on your account. There's nothing on the website to let you do it, and I ended up being transferred to three different numbers - each one telling me that the one they were giving me would be the right one. Then the guy on the phone tries to tell me to get an updated score now and call back to cancel since I still had two weeks on the account. I told him not a chance. The whole thing is a scam. The monthly billing for a product I never wanted in the first place and the labyrinth of calls and waiting on hold to cancel the damned thing. I can't believe reputable banks like Scotiabank promote this company. They tarnish their own image by doing so.
I had to cancelled my Equifax this morning because I received an email on 9/30/2016 stating that my subscription will automatically renew for another 12 months for $50. Please see the partial email: "We're letting you know your subscription will automatically renew for another 12 months on October 30, 2016, and $50.00 will be charged to your credit/debit card on file, unless you cancel your subscription before October 30, 2016."
I received an alert from my credit card that my account will be charged $149.50 for the same service that was told to me would only be $50. The operator ‘Keissa’ who I spoke to this morning at 6:45am told me she see no such email was sent to me and if I want to cancelled I will have to pay for one month service and I can dispute the charge with my credit card company.
I have been with Equifax for many years and had I been told ahead of time that the new fee would applied I would have take appropriate measure and make a decision on if I wanted to stop my subscription before the deadline, this way I would not incurred any additional charges. I feel this is wrong and I will do everything in my power to make sure I am not charge for canceling my subscription.
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For the past 18 months I've had the runaround with Equifax trying to get them to correctly report my credit history and credit cards. My TransUnion credit is excellent correctly reporting my 6 credit cards and length of credit history. Equifax is reporting me at fair and only reporting two of my credit cards. I'm sure my credit history of only a year when I've had credit since 1983. This is affected me getting a good interest rate on car loans and my husband had to get a mortgage on his own as Equifax's incorrect reporting affected our interest rate on a house by 2%. I have confirmed with all credit card companies that they do report to Equifax so that is not the problem. How do I get them to correct my credit as letters and phone calls have not worked?
How can a credit bureau not have a customer service line? All I got is a repeated automated system that looped me around and around when I need to speak with someone to lift a freeze account! Not only I did not put a freeze hold on my account, secondly, I can't speak to someone about it. They only provided with a mailing address to send in my inquiry by mail! #thisis2016fyiequifax!
I don't understand how a company that is supposed to be highly credited by any institution for having my credit rating could be so unprofessional and unorganized. I have tried to get my credit report in so many ways and not one of them worked BUT I AM BEING CHARGED TO MY ACCOUNT. Their website is absolutely horrible. Apparently my credit card information cannot be verified yet they somehow got into my account to charge me. If any one needs a credit report, please use another institution. This is definitely not a professional company, even their customer service operators are clueless. How are they still a business I don't understand. After my experience I don't trust them with such delicate information ie. SIN NUMBER. Why would anyone trust a company that can't even get their online service to work properly? It is easier to shop online from a clothing store than to buy my credit report. SO UNPROFESSIONAL!
I called to cancel my account with them because I was not happy with what was provided. They say they update your score but they don't. Their website is not user friendly. The day I call to cancel my account, they charge my bank for another month then tell me that my account will be canceled on 11/27. If I wasn't happy with your service in October, I'm not going to pay to be unhappy with it again in November. Of course all of the supervisors were busy. I tried using the Equifax secured messaging and emailing them. All saying they can't do partial refunds. I'm not asking for a partial refund. I am asking for a full refund. I called and canceled on the same day you debited my account for the monthly fee. Equifax is not out for your best interest. They are in it for the money. Don't be scammed by them. Their website does not offer what they say it does.
Two times I have been told there are no products associated with my account. When I call customer service, they say there is a security issue and I must fax in documents. This has happened twice out of 3 months of membership. Their customer service staff read from a script and do not offer to help you, nor do they provide information. Although you can not use the product they will not reverse the charge. Here is their message: "Equifax Customer Service. No Products Available. We apologize for any inconvenience, however, we are unable to log you into our system at this time. Please contact our Customer Care department at Equifax Customer Care or 1-877-47GUARD (1-877-474-8273), 7 days a week between the hours of 8:00am - 3:00am Eastern Time Zone and we will assist you with resetting your sign-in information."
When you apply for a loan say title loan or credit card. You allow that company to do a credit check. They in turn have a credit bureaus or other that do it. Well I found out of the three Equifax refers your information to other financial services without your request or consent. Which in my case caused multiple hard inquiries that I never applied for. There's one particular company over the past 1/2 years I've got about 8 inquiries. They continue to recheck it over every few months damages your credit every time. I've got over 12 in the last year 7 months, only 5 I know are ones from two. I've got a loan - 1 for a credit, 2 I denied. The rest I didn't.
They also are allowing a company to fraudulent report 171.00 dept that I never could use the service because they refused me help to hook the connection up to work. I called, asked for help. They told me no they don't provide service like that anymore. I told them on a recorded line "cancel it now." I can't pay or hire someone to come over to set your equipment up to use to my computer. Pay 260 for service to be set up with them but pay a different service to hook it up then them for way overcharges for no customer service or technical service. Poor business. I told them when I seen it in was illegally billed that I'd file a complaint. No one has stood up to them. I need some backup. 2010 was telling year. I just seen it reported this year when I checked my score.
It's funny that I came to them seeking identity protection and to be able to monitor my credit score. However, in the end they were the biggest threat to it. I subscribed for 2 months when I felt my SSN was compromised. At a month and a half in I attempted to cancel my subscription and even deleted all my payment info before hand as double measure to ensure I would not be billed again. Well... I received an email stating I was billed AGAIN. How? They don't even have any payment info to go off of. Apparently when my call was escalated to a supervisor (the first rep said he could not help me and only tried selling me more product after I told him I don't want their service any longer. He also talked very condescending saying I was repeating myself etc)... He said the only way to get my money back for the last month was to dispute it with my credit card company.
I ended the call telling him how stupid it is that they sell a product to protect our identity which is in part connected to our credit score... yet I have to dispute a charge and damage my credit just to get my money back. HOW DID YOU EVEN CHARGE ME?! Equifax had no payment info to go off of and yet STILL they somehow KEPT my payment info after I deleted it and recharged me. Doing the opposite of your intended purpose = Broken. Keeping your credit card info when you delete all traces of it off your account = The REAL identity thieves.
I just asked them to get a report with my credit score. The guy on the phone doesn't understand English pretty good. He just memorized the script of the product. I was clear I wanted a score with the report but still he gave me the wrong report. My brother bought that report for $14.95 yesterday and both of them in less than 12 hours wanted to sell me that report for $17.95. They sucks. They don't have customer service. If a customer tell you you have the offer you gave it to them not sell them what they don't want then charge them for it and for the correct one too. I wouldn't recommend them for anyone. If I don't get what I want how my friends will get their's???
Equifax is the most unprofessional service I have talked to or tried to talk to. They do not understand or speak English very well. They obviously only know their script which is to sell you their product. I am having a problem with fraud and do not want to pay them to make sure they are not putting fraudulent information on my acct. They should be held responsible for the information they put on mine or anybody's account.
Rating for Equifax Canada. I loathe dealing with these people, first trying to get through their menu is awful and when you do get through they can barely speak English and are always trying to sell you more of their garbage. TransUnion is much more better to deal with and their website is crisp and more user-friendly.
Paid online to get updated score and report. There was only one item listed. I was told that I would have to provide all of my account info including credit cards and details. Also to contact each financial institution to have them update Equifax info. I told them that I paid the amount to retrieve info not to have to gather info for them. Kept getting transferred to different departments in Philippines and India of which I could not understand. Absolutely no resolution at all.
There's no way my credit score is this low. I'm rated 100 points lower than Experian and TransUnion. I never carry a credit card debt. My only debt is a mortgage. I'm RARELY late on any payments, most are automatic deduction. I don't get it.
Paid 7.95 for my score and still have not received it. They deducted it from my checking account on 8-5-16. I finally received my report but had to call them back after more than a month waiting. When I called to let them know that I got the report and to ask about my score, they said that it was sent to me on 8-5-16. The same day they deducted 7.95 from my account... They said "sorry nothing further can be done because we sent it already." Scam!!
Since July 11, I have contacted Equifax by certified mail 4 times to request that fraudulent information be removed for a client who was the subject of identity theft. Experian, Innovis and Trans-Union responded fully and immediately. Equifax has yet to take any corrective action, and it has now heard not only from me, but also from the 9 affected credit issuers. Equifax is not responsive and deems itself unaccountable.
Can anyone help? I have spoken with many customer service reps and always get a different response. I have asked to have a alert removed from my file. Sent them documentation 3 times. No one will help. Reps repeat themselves and talk over you. Supervisor was supposed to call back 3 days in a row. No call. So frustrating, can't get a loan without removing this alert because of changing my phone number.
I have found out my credit rating has fallen to a level where I can't get a loan or credit card. I have no mortgage, no loans, no credit cards and it seems a fall out with virgin media over a bill for £100. Virgin with no warning they have the power to place you as a bad debt.
I was checking my credit in connection with a new rental, tried Equifax quick review, but never signed up for their "Complete" plan. Of course the fine print opts me in, so I try to cancel, and they won't do it... literally like a maze of emails and phone calls. Kafkaesque. I have red flagged them at all my banking institutions. They have even asked me to email them a scan of my driver's license. Wow! Imagine where this info is going. They continue to charge me and I continue to dispute it. I am in the process of looking into legal action, and making the appropriate authorities aware. STAY AWAY!
First off whenever I call I always seem to be connected to India somewhere. They never know what I am talking about or is always trying to sell me something. I disputed a account on my Equifax report. The account was deleted and then added right back which dropped my score 6 points. No one is able to explain to me anything about my report. All they keep doing is trying to sell me products. To my knowledge according to section 611 (a)(5)(b) if the information was deleted as a result of a prior dispute the furniture did not the required certifications to the CRA or the CRA does not provide you notice of reinstate and this is a violation. I was told to dispute. I truly believe that no one there really knows anything about the services. Their only goal is to sell products.
I filed a dispute for a bill that claiming owe for 3 month plus additional fees. I only had satellite tv for my place. It was not behind. I canceled it and returned the equipment. Soon as I called and canceled service I disconnected all of the cables to my wall and TV put the stuff in a box. They deliberately took months to send me the equipment box, so they could charge me the 471.00 for service for less than 60 to 70 days that I didn't receive. They tried to double my cost for basic satellite, no movie channels just basic channels. Cartoons, and TNT, USA. I think that was the only channels I used. They want to bill me for services I didn't continue. It not going to be left in this. They have falsifying my reports had several installments on my report I had only 1 active loan. Never had 2 or 3. Not appreciate the damages they do to people life. I'm not going to give up.
I've got 6 people who were there the day I yelled at DirecTV for raising basic satellite to over 80.00. I demanded it be canceled and to ship a equipment return box. They took months to send the box. I sent everything with their protection stuffed box... I'll file a claim for damages to my score like i'm doing for the false debt that some identity theft took in my name. I've not received any type of credit except my loan and my Fingerhut vacuum. These people, don't realize that they have our history in their hands and they never take a consumer word. They say I had over 471, that's more than 3 month about 4 or more. I had different service hooked up the very next day. Now how could have had their service hooked up with a whole different company hooked the very next day? I hate liars.
Cancellation is next to impossible for busy families. I am SO aggravated after speaking to customer service! They won't let me cancel my husband's account. He doesn't have time to call so now what? We're stuck paying the $20/month until he gets time to call in??? NOT FAIR! Just cancel the damn account already! UGH customer service was so rude!
My family decided to try to get a home loan recently so my son and I both checked our credit scores. No major problems with Experian and Transunion but when we got to Equifax we both had the same bogus listing for a mortgage loan and a student loan that neither of us has. When we tried to dispute it online we kept getting turned away after being told we were giving false information. How are we to ever get anywhere if this company is allowed to lie about what's in our files. We struggle by as it is without having to deal with these problems.
Strongly believe Equifax is not fair reporting accurate credit info. Derogatory marks and old debit that can't be verified was removed from Transunion straight away. A month or so later from Experian... However Equifax never removed a single entry. Equifax is reporting my home mortgage as an Installment loan. Disputed all inaccuracy and nothing has been done. Hired ecreditattorney.com and GreenPath to pay off all outstanding debit. Almost a year of credit repair and I can't buy a piece of bubble gum on credit unless I am willing to pay 30%+ interest! Have no other choice but to report how unfair reporting can be... Attached shows how far of Equifax is on removing disputed items! Totally off...
Been trying to reach Equifax to resolve a denial letter based on their report. Impossible to reach. A Mickey Mouse answering dummy will not let you get a real person. I have written to these ** and faxed the requested information to no avail. They suck!!!
Equifax is a pain to deal with. I've spent $50 in certified letters to dispute incorrect and items that don't belong on the report. They do not investigate anything. They marked something as satisfied that isn't and should be deleted. Customer service sucks and God forbid you ever have a freeze on your report it takes months for them to give you access to your own report. This is not a company that should be relied on when you go to get a loan.
I have a security freeze on all 3 of my credit reporting accounts. Arizona law provides that it costs $5 to lift the freeze each time, and last month I choose to do this in order to obtain information for a new mortgage. I had no problems with the other 2 agencies, but Equifax insisted I have a suffix as part of my name, which I do not. I sent them a copy of the original paperwork, which includes my name, address, social and PIN and they still said it's not me. I sent them a copy of my original social security card, and they finally agreed to lift the freeze, but it was too late because the other 2 companies had already put theirs back! So I'm out $15.
After 2 more letters, they returned the $5 I had paid them but I believe they still owe me $10 because their neglect had made the information from the other agencies inaccessible. I wish there were options available to us other than Equifax. They are horrible to work with. There is no access to a real person. And they don't believe you, anyway. If someone else submits erroneous information about you, you are stuck with us.
Barbara FriedbergPersonal Finance Contributing Editor
Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.
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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.
- Best for Victims of identity theft, consumers who have a major upcoming financial decision and consumers who need monitoring.
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Equifax Company Profile
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