Equifax

I am livid at the treatment I got from Equifax while trying to put a credit freeze on my two young children's accounts. You have to send in a handful of (highly personal) documents by mail and wait for a mailed response. I did this with all three. Transunion and Equifax sent back letters with a list of required documents WITHOUT telling me what was actually missing in my application. Experian - no problem, they accepted my documents. Transunion - no problem, I missed something and I spoke with a very helpful woman who was ACTUALLY in the United States who could pull up what I'd already sent in and tell me what was missing.

This credit company can't be real??? First of all the customer service agents have such thick accents that you can hardly understand what they are saying, secondly after they take all your pertinent information they will ask you about your credit information?? This makes no sense whatsoever since I was inquiring about the supposed derogatory marks on my credit report as to clear up this matter. In my opinion I think this company should be under investigation. I got so frustrated that I just hung up the phone. How can you clear up your credit if they will not tell you what is on your credit report.

When applying for a VA loan, Equifax has my credit score frozen and marked as fraudulent. Once I called Equifax, they stated they could not find my information and it may be incorrect. They asked if I could submit a fax with my social security card, driver’s license, and all the other good details perfect for stealing someone’s identity. This whole time, I’m wondering if this is the same person that tried calling me telling me they were the IRS and I needed to pay mysterious dept. in Target gift cards. Well after waiting the week that they asked for to update my information, I called again. They say they cannot see that my documents were submitted and asked me to resubmit my documents, I did.

It seems that for the last year Equifax has its problems with Credit Karma and others. My credit score in less than 30 days went from 680 score to 540? Today it went from (I took a screenshot) from 680 to 540 again as I went to update my address that keeps going to a Motel address that I never went to in another part of the state. I'm a senior and it's been impossible as I'm ready to live in a retirement home and telling this story to management is not only frustrating but outright embarrassing. Look like a totally irresponsible person that worked all her life without any assistance of my state! A mother of two and never ever a burden to my state! How can these agencies get away with saying "system down", Unavailable, or learn on the news that they been hacked! Will, someone from Consumer Affairs do something...hellooo any politician that not swam in the swamp come and take some time to HELP!

I have over the past months been in contact via online and standard mailing documents to Equifax re false information listed on my credit file with them and they have proven to be quite useless in both response and overall experience. It seems they are not performing as each time I am getting error messages Digital that the system is down and please try again later. I have done the exact same procedure with TransUnion and Experian and the information was updated properly with the documentation I provided yet with Equifax seems as if the data breach and court ordered judgment has severely affected their business model.

I paid down a balance on an account that is in good standing. My EF score dropped 56 points, my score increased on with other two reporting agencies. Called EF to inquire why, person I spoke with barely spoke English and could not answer a single question! I do have one negative (in dispute and already removed from other agencies reports), all else in in good standing yet my EF score is consistently lower than the others. Also curious as to why when a negative is removed from my report my EF score drops? (Which happens any time I pay off a balance or have a negative removed.) Not others, ONLY EQUIFAX. This company is frustrating and impossible to deal with. I believe they are running a scam and seriously need investigated for fraud!

They act as if they don't want to actually confirm you are who you say you are. They ask for birthday. Check. Address. Check. Social Security. Check. Current loans. Check. Previous loans. Hmmm... I got one, I think. You need to remember the company and and how much the payment was. "Can you remember another previous loan?" How many do they need? I hung up out of frustration. I'll have to do my research into my old checkbooks to be prepared the next time I call them up. All this to unfreeze my account so a mortgage company can check it. If they don't unfreeze, no new mortgage!

I disputed a record on my credit report. It took several weeks to resolve, which was expected. However, I have had nothing but issues trying to view the result. The first time I tried, the verification questions asked about accounts I've never owned. Since I had to choose "n/a" for all the questions, I was directed to call in for my results. The rep informed me the system was down and call back in a few hours. I did not call back. A couple weeks later, I tried to access my results online again. This time I was able to get in. However, when I clicked on "view", I get an error message telling me, "the PDF file is not accessible at this time" and to call customer service. ARE YOU KIDDING ME!!?? So over it...

It seems that their phone number published on Equifax Canada does not work. It is impossible to speak with an actual human. This situation last for some days now. This is very annoying. I've placed a fraud alert on my account and yet, I got my own personal address changed without my consent. WHAT IS THE POINT OF DECLARING A FRAUD IF EQUIFAX DOES NOT EVEN DO THEIR JOB?

For three days I have been trying to access my free annual credit report and to verify my credit report is now unblocked at Equifax. I was unable to access my account online (it is locked for some reason). I have spent 2 hours over 3 days dealing with the outsourced call center at Equifax. I have been told to call back in 30 minutes, then one hour and now 48 hours because their system is "updating." Why does it take three days to update a system? This is a little suspicious.