Equifax Reviews

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Overall Rating1.7 out of 5
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Equifax Reviews

ConsumerAffairs has collected 1,440 reviews and 2,163 ratings.

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Customer Service

Reviewed Sept. 23, 2023

I applied for a home mortgage with US BANK, once the credit report was pulled the phone calls from other lenders began at 6 am NON STOP for two days!! I couldn't even attend other calls. I finally called my bank and was told that these agencies are so desperate for business that they are making money off selling consumer info!! Will not be ever using them in future.

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Customer Service

Reviewed Sept. 15, 2023

I had called 5 times. The first 3 they hung up on me and the 4th time the lady said she couldn't do anything for me so I asked to speak to a supervisor and she transferred me to the French department where I was told in English he couldn't help me and I had to call back so I called back again and they hung up on me.

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    Customer ServiceStaff

    Reviewed Aug. 31, 2023

    I called 18773259239 to get my 2018/2019 W2s. I was cut off before I finished the survey. Megan was super friendly, thorough, professional and pleasant. I just wanted to compliment and praise her. 12:58 pm today was when we spoke. It was the easiest customer service experience I have ever had, she explained instructions very clear and directly and resolved a very difficult situation in minutes. Thank you Megan! You made my day so much easier and I appreciate it so so much.

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    Customer ServiceStaff

    Reviewed Aug. 25, 2023

    Why is this sham of a company still in business in this country?? THEY DO NOTHING BUT SCAM PEOPLE FOR MONEY!!! Both other credit bureaus fixed a mistake dip in my score. This sham of a company does nothing unless you pay them a bunch of money!! I submitted multiple disputes with supporting docs and they literally have a robot that responds to all disputes with a generic letter DOING NOTHING TO ADDRESS THE ACTUAL DISPUTE then it says “dispute closed” within 24 hrs!!! They give no explanation and do nothing to address the issues! It is an absolute joke!! The call center is not in America. It’s in a 3rd world country!!. The reps & supervisors don’t speak English. There’s no point of contact in America!! No accountability whatsoever!! WHAT A SHAM THIS COUNTRY IS TURNING OUT TO BE!

    We let companies like this run the world!??? SMH!! Both other bureaus corrected the issue. This sham of a company does nothing and won’t even give you your score unless you pay them!!!! Asked for supervisor. They say no. They are the supervisor! It’s the circle of hell!! America stop letting companies like this handle our Social Security numbers and credit profiles. This is ridiculous. What an absolute joke for America to have a credit bureau like this!!! Why is this sham of a company still in business in this country?? SMH SHAME ON YOU AMERICA FOR HAVING A CREDIT BUREAU LIKE THIS!! Absolutely unacceptable!

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    Reviewed Aug. 7, 2023

    This company is located in the US with a call center in the Philippines. How is Canadian Data allowed to be accessed across the world. Secondly I was as of today a Equifax customer Since April 15th 2023 I am asking them to fix errors which they have not. They took my money for service and did not provide it. This is fraud.

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    Customer Service

    Reviewed Aug. 1, 2023

    I have always maintained a credit score of around 765. Credit karma notified me that my score changed. It only changed with Equifax. It somehow dropped from 764 to 698. The reason they gave me was that my mortgage account had closed. This is NOT true!!! I double checked with my credit union whom I have the mortgage with and they were as confused as I was! It is not closed. How on earth did equifax acquire this misinformation??? Transunion did not have this misinformation and my score with them is still 764. I am furious and want to know where they received this misinformation or did they make it up to try and bait me into some plan with them where I pay to have my credit “improved”??? This is such ** and someone needs to call them out on it!!!

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    Customer Service

    Reviewed July 5, 2023

    They never sent the password reset email even after I waited 45 minutes SMH. And credit shouldn't matter for getting internet service. The credit system is a fiasco that's run by the credit report mafia.

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    Reviewed July 5, 2023

    I paid off my car loan and my cards and apparently they won't up your credit score when you pay your stuff off. How does that make any sense? Scam other people to raise their credit score. Don't pay them.

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    Reviewed June 24, 2023

    As most people know. Negative impacts on your credit, like a collection etc usually last 7 to 10 years. You dispute them, but some way or somehow Equifax don't do their job in deleting anything, or updating anything. In fact, they are lazy and their "investigation" you still owe for something is sooo old like 10 years and 2 months for 1 collection. If I was to be able to give 0 ⭐ I would have.

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    Customer Service

    Reviewed June 6, 2023

    So I get a credit pull and the company tells me, "Hey you have a negative report for a company on Equifax." I disputed this item, wait 40 days and nothing so I call them. Mind you they go through extensive measures to get you verified to give you your own information. So I call in 3 times to speak to 3 different supervisors. So I say, "Hey this is fraudulent. This shouldn’t be on my account." They all say, "The only thing we can do is dispute this item and you have to call them to get it removed." So I call them. They said they don’t have any signed documents so they have to remove the item on my account. So I tell them, "Yes I’ve already called and disputed the item." They told me they do not have any signature of mine or court documents so they removed all my information from their system. Is there any way you can call them to confirm this so they said they have to receive a letter from them.

    I’m like ok but you asked me all these questions to give me information on my account so how do you verify the creditors information is correct to put this on a report. Nobody knows. They all give the same answer the creditor reports it to them. So I say, "We’ll can I call in and say hey this person owes me 2000 and it automatically goes on their account with any evidence that’s it is there’s?" Nobody knows anything.

    Finally a supervisor puts me on hold for seems like forever hopeful I would hang up I’m sure. But he proceeds to tell me that the creditor go through a 30 day process through their bank. So I say, "We’ll what proof does your bank have that’s telling you that this belongs to me?" And they say they don’t know so I ask to be connected to their bank to find out and they told me no they don’t have that information. All I can do is dispute this item. Equifax does not protect their customers when it comes to creditors. They will add anything on your account so make sure you keep a close eye on your accounts. Anyone know the information to the banks they go through?

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    Equifax author review by Barbara Friedberg

    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 Barbara Friedberg Personal Finance Advisor

    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.

    Equifax Company Information

    Company Name:
    Year Founded:
    1550 Peachtree Street, Mail Drop 65
    Postal Code:
    United States