Equifax

This is a terrible company. Why would I waste my time calling over a simple question they can’t even answer without sending my life story in. When will my credit update was the question and I had to give everything up for an answer!!! Terrible, terrible company. I hope the owner sees this and realized that India isn’t the place. 1 you can’t understand them and 2 you can’t even answer a questions that is so simple to answer!!! Never will I ever use you guys for anything ever!

Recently, I found that this company cannot even keep my name straight. In addition, their records show the wrong name for my previous employer and the wrong address for a PO Box I used in the past. After sending multiple letters and documentation showing my name in passport, Social Security Card and driver's license, I still have not managed to get my name corrected. To add insult to injury, in their latest dispute confirmation letter (1/11/2019), they even deleted my previous employment record. It is remarkable that an organization designated as an identity-and-credit arbiter, can be this inept at acquiring and keeping accurate information on us. The US Congress should investigate their function and purpose in an effort to make them more accountable for safeguarding our information.

The worst customer service of any company I've ever dealt with. First of all, every call taker is based in India. Equifax is an American company holding highly sensitive data about nearly every American and they are putting a foreign country in charge of all our private information including addresses, employment information, social security numbers, salary info, credit card data, etc. None of these three agencies should be outsourcing our personal American data to any foreign country or vice versa. We don't have Americans holding the financial information of every Indian citizen in their hands. Think about that for a minute. Cleary they do this to save money, however, they are putting all of our financial data at risk, which may be why they have had so many security breaches in the past.

Took 2 days and 6 phone calls to finally get freeze off of our account to lease our car. How can this company continue to stay in business. Horrible service representatives who come across as uncaring. How do I go about getting the freeze permanently removed?

This company "if you can call it that" should not be in business. Especially if they dealing with "YOUR" private data. They never get anything right. Their website login never works right. They will call personal loan companies home mortgage companies and have even people with close to your same name's stuff on your credit and take months to fix it when they admit that they did it by "accident" just because of the name. Hello we have different Social Security numbers!!! I could go on and on but I'll let you decide.

These folks are the biggest dealers in private information in the world. They are notoriously incompetent and intentionally unhelpful in everything they do. Never put a freeze on your credit with them. They will use it to sell you services and will make it next to impossible for you to remove the freeze.

Recently, run a credit check for my Apple product with Equifax via Citizens One Loan, I got a decline saying not able to pull up my credit file. Upon talking to Customer Care Agent and Supervisor Amanda from EQUIFAX, I got to know they wanted to verify my personal information like my full name, SSN, current address, DOB and what not (which I gave them over a call, that to a couple of times), as they didn't have correct information on their records and I was asked to submit my personal documents over email/fax. All I asked was a return email from Equifax stating that they are not able to pull my records and hence asking me to send my personal documents via fax/email. I was ready to share my documents copy if they reached out to me via email.

Never authorize a security freeze with Equifax. I have now tried several times over several months and they simply cannot find me in their system. As a 50+ year old I have had credit for decades and to have some 'customer service' rep in a foreign country that I must be mistaken about previously having credit is a total waste of everyone's time! I have provided 5 previous addresses, a TX driver's license, my SSN, my birthdate and my freaking shoe size and they still can't find me but they are still refuse to allow potential creditors access to my "non-existent" credit report. I repeat, NEVER authorize Equifax to place security freeze on your account if you EVER want to purchase a house or car again! They provide the absolutely WORST service from any company with whom I have dealt!

I was never told that my Equifax account had a security freeze placed on it until I tried to lease a car. What is the purpose of these credit monitoring companies? Seriously? When the dealer ran my score I had excellent scores from the other 2 agencies, but my Equifax had a freeze on it. So I called customer service and spent a LONG time in their automated crap service. All that did was waste 30 minutes. Then I went online and tried to figure this out. The other 2 credit agencies were easy to navigate and I could see that everything was fine with my account with them. Equifax online gave me an error and a phone number to call.

About 2 weeks ago I called TransUnion and Experian to have a fraudulent account disputed and removed from my credit report, both of those experiences went smoothly. So today I decided to call Equifax with the same dispute. I waited 2 weeks because of various reasons: work, plus I’ve heard they’re difficult to deal with so I needed to wait until I had a day off... Anyway I eventually got placed on a line with a non-English speaking gentleman (go figure) who couldn’t understand anything I was saying, making the multiple security questions a 2 hour long process to get through. By the time I had verified who I was to their satisfaction, I was finally able to tell them I wanted a 9,000 charge from Alliance One removed based on false information.

It's VERY easy to commit fraud and freeze your account after fraud with Equifax, but when it comes to clearing the fraud from your name and unfreezing it, it's virtually impossible. Every customer service department has given us the runaround, the website won't allow you to create/use a login. You have to unfreeze or dispute anything. All in all, it's been over 12 years, we've faxed them (mail or fax are the only options), all the documents they've requested, numerous times. We've wasted days (not hours, but DAYS) on the phone and we've come no closer to having a clear credit record or a record that an agency can check (due to the freeze) when we need it.

My credit score has dropped over 100 points in the last 6 months even though nothing has changed and I havent missed a payment. It is 100 points lower than TransUnion. I filed a dispute over a month ago and havent heard anything back. Trying to get through to a person to talk to has been near impossible. I finally got a hold of a person and I've been put on hold 4 times. No answers. No information on my dispute. I hate that this credit bureau has the power to ruin my ability to get a mortgage or a loan and yet isn't accountable to anyone and doesn't even make an effort to be available to customer inquiries. The only way to get a hold of anyone is mail or fax? What year is it?

Today I received another one of Equifax's stupid "Credit Monitoring Alert" emails. I logged in to my account to review the alert. As always, it was another content -free bunch of jibberish about a bank I've never heard of doing something to an unidentified account. Against my better judgement, I called the "Customer Care Team" phone number provided in the email. An hour and a half later, after speaking to two call center reps and two "supervisors," I still don't have a clue as to what this alert is all about. It's no wonder these idiots were hacked!

I urge anyone with issues to report them to https://www.consumerfinance.gov/complaint/. Equifax keeps changing the dates of old debts, doesn't investigate correctly, put a fraud alert on my report which I did not request. No changes and my score dropped 70 points. I keep disputing and nothing changes. I cannot log in to my report online.

My credit score has dropped almost 50 points in the past month. When I go into my report it shows no changes. I have not done anything to my credit. I have no new loans, credit cards or any type of new credit opened. No new delinquent accounts. And I am in good standing with my accounts. I called Equifax and they could not explain to me why this happened. My credit score was actually getting better. I have reviewed the report... No changes but score has dropped 50 points or more for no reason.

This garbage agency FROZE MY WIFE'S CREDIT WITHOUT HER ASKING THEM TOO! Getting them to change back is horrible. They are making her fax a bunch of documents to prove that it's her. The worst, something needs to be done with it.

From my experience Equifax is the worst credit bureau agency. I can't properly interact with them most of the time I attempt to because everything I know about myself isn't good enough for what's on their record. Even though the questions they have on their record doesn't have anything about me, completely inaccurate. I put in dispute after dispute for the same two collections on my credit that's showing opened but was closed on the other two credit agencies file because of a bankruptcy I had back in 2016. It's almost 2019 in a few weeks.

My spouse and I tried to place freezes on our accounts online, got messages that the requests did not go through and to call the toll-free number. We spoke to customer service (sounded like a call center in India) and verified all our information, they said that they needed to "update information" before they could process anything. They already have all this, but they won't reveal what needs "updating". Both other credit agencies placed the freezes immediately, no problem.

I called Equifax 6 times to remove a credit freeze. It is still showing up. I have been turned down for credit because of this. When I call, I have to explain the same thing over and over. It is frustrating. I have been told about the updating of their system. And, when I said, "for 3 months?", the representative was silent. They know what is going on. They aren't doing a good job of damage control. You cannot view the results (I was receiving them every day with different reference numbers) only to get a message, "Your file cannot be accessed, try later. You cannot upload information anymore."

I froze my credit with all 3 bureaus due to Equifax's reprehensible security breach. Now I need to lift the freeze and they can't/won't do it. I submitted the proper online information, it says the lift has taken place, and yet, when a company tries to run my credit, Equifax continues to report a freeze. I have called Equifax 4 times now, and every time they say that their system is updating and they can't access my account for an hour. It's been 3 days, and every time they tell the same lie. Their system is clearly overloaded and they don't have the structure necessary to meet demand, so they just lie to consumers to push everyone off. Last I left it, a manager is supposed to call me back. I'll update this review and eat my hat if that every happens.

I froze my credit account after the security breach at Equifax. I'm in the process of refinancing and I have attempted to lift the freeze on several occasions without success. Their representatives are not well trained and their supervisors, instead of resolving issues just send you back to the automated phone number placing you once again at square one. After my initial call I was told the freeze would be lifted later that day and after the second call I was told to submit proof of identity via fax to a number that didn't work at which time I was then told to email the documents after I was initially told I could not.

On my Equifax report I have debt collector Pinnacle llc collecting for Verizon wireless in 2014. I have made 3 dispute claims with Equifax and Pinnacle and it still remains on my report. First attempt 2017, second July 2018, & Oct 2018. Each complaint gets returned correct debtor. That is not factual. I'm telling Equifax & Pinnacle. It's fraud and filed with the FTC for documentations. I spoke to Pinnacle () whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like Transunion has done as well as Experian and with only one dispute filed.

Had to freeze credit history after EQUIFAX was hacked. Unfreezing was supposed to be easy requiring some data and PIN number. It has been anything but. Took SEVEN tries to unfreeze account when applying for a new credit card, plus many different customer service reps and supervisors over three days. Even then they failed and had to be called, again, to freeze it. Starting from ground zero again it took three reps to report the unfreeze. Never took place.

After filing multiple disputes regarding an account showing current and joint, that was discharged in a bankruptcy nine years ago, I now cannot view my results. Apparently their website is as difficult to access as the customer service reps they utilize. I can understand how this agency had the leaks it did when they contract out overseas to put delicate information right into the hands of who knows! Furthermore the impact the misinformation they display has on our day to day lives. I don’t understand how the government allows them to stay in control! Well I have contacted an attorney and appropriate remedies will be sought should they not correct my information. Then to top it off after sending my proof in to them for my disputed issue certified mail along with a copy of proving my identity, they still can’t get my personal information right. Totally inconceivable!

I told them they had incorrect information on the credit record they have on file for me and provided proof. They sent me a notice that they had completed my dispute and gave me a link to review their results. To see the results I had to give them my name, address, social security number, birthdate, and address. They followed this with five so-called identity confirmation questions. I then received a message saying the information I had provided them is different than what they have on file so, they would not allow me to see the results of my dispute with them.

This is the bureau that leaked hundreds of millions of citizens' private information. So when you try to use their online services they force login errors, "Sorry we couldn't verify who you are at this time," to discourage users and provide an excuse for withholding services. And yet somehow if you buy a membership they can expedite the process. Just pure bullcrap and corruption.

This company is unprofessional and incompetent. My first call was Monday 10-29-18, while trying to get a new truck loan. First I tried to unfreeze my credit report via online. No success. When I called I was told the whole system was doing an update (in the afternoon on a business day, WTH) and I would have to wait 30 minutes and call back. When I did, of course had to go thru the whole list of questions and crap. When done, they said they lifted the freeze and I even got a confirmation #. The dealership tried multiple times to check credit. I went back on Tuesday late afternoon. AGAIN, I had to get online, but this time it let me log on. Got the freeze lifted for 7 days. Waited two days and multiple checks by the finance and dealership. Still no lift.

I pretty much had the same exact experience that Renee of Dallas, 10/25/18, had. I was applying for a 'Chase Freedom Visa Signature Card and Chase sent me a letter telling me that I had to call Equifax to either or temporarily my freeze on Equifax sharing my credit information with anyone. I put the freeze in place originally because of the massive security breach had a few years ago and all the local and national news talking heads told us that was one way to protect myself. So, I contacted Equifax per the number on Chase's letter. First they requested the 10 digit PIN on the letter they said they had sent me when I did the originally online freeze of the distribution of my credit info. Who the heck reads or keeps all the stuff that every entity under the sun sends you nowadays!? I don't know where the heck that letter is!

I have a fraudulent account on my report and Equifax will not remove it. The other 2 reporting agencies removed it immediately, but this unethical agency will not. They say you can add comments but so far after 3 years, I cannot get anyone at this agency to do what they are legally required by law to do. Why is it that these big companies do not have to follow any laws? They clearly state the consumer rights, but the problem is getting them to comply. They just ignore the disputes saying they did the 'research'. How in the world do they decide a fraudulent account is not? Luckily, most lenders know this company is incompetent and do not even use their report system.

I went through Annualcreditreport.com and received two of the three reports, no problem. Equifax, however, would not provide it online and is trying to strong arm me into paying them from simply wearing me down with frustration in hopes I'll just pay to get what I want. The instructions clearly state, "If you close your browser it will no longer be available online." Great, got it! As I was filling out the security questionnaire a Chrome extension popped up. I closed the extension which caused the Equifax questionnaire to start over but did not close the browser and had never caused any problem with any other site before. I filled it out once again only to receive the message I would not be allowed to receive online now even though the browser itself was never closed.