Equifax

There was an Equifax data breach and a settlement offer was made above my level but the end result was me waiting about a year to get a check for $4. Really? My personal info is only worth $4? Not even worth the effort to cash the check.

With an almost perfect credit score, Equifax gave info totally erroneous and contradictory to the score which ended in denial of credit. No one via phone (who may not have even understood the problem because of a lack of the English language) could help, only pass the buck. Will be putting a block on Equifax so any more credit questions go to the other big credit companies.

I was locked out of my Equifax account because I hadn't logged in for a while. I tried to log in only because I received an alarming notification via email. I was unable to recover my account online. I finally got through to a live person via phone who (A) wasn't helpful (B) was quite rude. I had to switch browsers several times before I could recover my account. The process was time-consuming and stressful. I have had phone assistance from many companies and was always treated courteously and helpfully until now. This particular rep seemed to be lazy and uninformed. I had to solve the problem by myself.

I would like to say that I gave one star rating because a zero just didn't exist and zero is what they deserve. This company doesn't like to be put to work. I dispute several credit card accounts that were paid in full and instead of getting positive results for paying down approximately $9000 in credit card debt bringing my utilization down to 8% they decreased my score by 67 points for things that they had already penalized me for previously virtually penalizing me twice for the same previous things which can only be because I made them work. My advise is don't dispute things even if you're right. It won't go well for you!

I have always been very understanding with customer service reps, but Equifax is quite possibly the worst customer service and worst company I have ever dealt with!! I have been disputing 1 item on my report with them that was incorrect!! The other 2 bureaus removed it on the spot after a quick conversation! Not these people. They argue, ignore, and put you on hold till you have to hang up!! Absolutely zero professionalism, oh and don't tell them they made the mistake.... This is my #1 far worst company I have ever dealt with.

I have been arguing and disputing two inquiries on my Equifax credit report for months. I have confirmed with Citibank that the two inquiries on my credit were fraudulent credit card applications. One of credit Inquiry was added to my report when it was locked and had a fraud alert. The dispute function on their website in which Equifax says it will "investigate the inquiry" is useless and a SCAM. You get results within hours that states, "investigation has been concluded" with no change. No research has been done by Equifax or they would have removed them. I have contacted customer service many times with the same runaround and refusal to remove them. All I received was stress and frustration. My opinion is, EQUIFAX DOESN'T CARE!

I always thought all three credit bureau were basically the same. I was wrong. Equifax is in a class by itself. Unfortunately, it's at the bottom of the class. I had a reason to approach all three firm with a simple process. Two of them made it super easy on their websites. Equifax did not. I had to call, and the on-site listing which said I could connect to a live agent during business hours. (It was during those hours.) But the automated bot would not connect me, even after giving all the correct answers and receiving a security code. Eventually the automated system disconnected me. Fortunately, I don't pay anything to Equifax, but if I were a business, I would never pay a penny to use their services.

Called to speak to someone to get my credit report and had to do gymnastics just to possibly get to a live agent. It's ridiculous. We would like to talk to a live person and not a machine. Let's take it back to when companies actually talked to their clients.

Medicare was hacked and they sent a letter out letting their customers know this. They also arranged for one year of Equifax for free. Equifax is one of the entities that provide your credit score when asked. This way you can see if there is any activity on your accounts that should not be there. You are told that you have to go to the Equifax site and sign up for the free service. You are provided a code to enter for the free one year service. Unfortunately, if you use VPN like a lot of people do, you will not be able to sign up for the free Equifax service because they do not allow you to have VPN on. What is VPN, well it is a service you buy so you can protect your data and computer against any kind of hacking. It encrypts your data in and out. This is one of the best ways you can protect yourself against hackers. When I called Equifax to tell them about this they said write us a letter. I said forget it and did not sign up for their service.

They constantly advertise to sell their membership, or for you to apply for a loan or a new card through them to make money, Then they get hacked, and your information shows up on the Dark Web for sale. The other thing about Equifax that is bothering me is that I got a notification saying Between Dec 12, 2022, and Jan 11, 2023, the limit on your xyz FINANCIAL credit card increased. But Equifax reduced my score by 22 points when Transunion and Experian increased my score. I do not trust Equifax and am never, ever going to pay them a dime for their membership. Not Reliable. Not trustworthy.