Equifax

As a result of my identity being stolen due to the Equifax breach I put a freeze on my credit information with all three credit bureaus. I have been unable to temporarily unfreeze my credit information with Equifax for at least six months. Every time I try to speak with a live person I am asked a series of "security" questions regarding past credit cards or loans. The cards or loans never refer to ones that I have had therefore I answer no each one. Every time I go through a recorded voice says I have answered wrong and I am cut off. A couple of times when I called again, the questions were asked in a foreign language!!! Somehow, I was able to get through some other way, and was sent a letter with a temporary passcode to log onto my Equifax.com. This passcode DID NOT WORK.

Equifax made a mistake on my credit file and I am applying my mortgage, request them correct the information that not belongs to me, I fax my document since July 6 and wait 10-15 business days get nothing changed, and called them almost everyday except weekend, different agents different sayings, and impatient to answer me, sometime say no signal, some time just let me listen music, sometime say it is different department, sometime say system upgrade let me call back, and when someone heard my story and just let me keep fax document and fill out dispute form and wait another 10-15 business days, F...

My credit score dropped for no reason and they gave me the run around. Manager supposed to phone me back in 2 days. 3 weeks later no call and tried to cancel. They hung up on me and said I can’t cancel.

I was in the process of trading my vehicle to purchase another vehicle. When we got to financing the vehicle, the salesperson asked if I had a freeze on my account and I told him yes, so I made a mad dash home to unfreeze my reports. I logged into Transunion, and did the unfreeze, no problem. I logged into Experian and did the unfreeze, no problem.

All I was trying to do was change information on my account. They said to wait 5 business days for the confirmation email, I did nothing. I called and then they said it’s 10-15 business days now, so I waited over 15. I called again because I didn’t receive an email. I talked to 4 people there and no one could give me an answer to why I haven’t received it and said to just fax it again and wait 15 business days. Horrible service! Couldn’t even tell me if they received my fax or not and didn’t even try and help.

The website is not user friendly and Equifax makes it impossible to view your credit score without purchasing one of their packages. I have tried numerous of times to speak with a person live to discuss, but unable to reach anyone. There should be laws to help the consumer from this type of racketeering or else take their power away from being a recognized Credit bureau company.

These people I guess get a thrill out of being rude because arguing with me made them laugh in the background. Instead of helping they wanted to prove their point of being right. What kind of customer service is that? And how is one a supervisor? Plus what help is this company when it comes to Covid-19? Guess they don't care when some states are still struggling and don't have everything open. What a loving company you are. Smh for these kind of places that dgaf!

I check my credit score on Credit Karma weekly, On July 5th Equifax had indicated that my credit score had dropped 17 points because of a $5.00 charge on my Lowe's account. Transunion score remained the same. The account balance was 286.58 as of June 6th and no additional charges were made. But they were saying that the $5 charge bumped me up into a higher usage percentage, going from 9% to 10%. Even with the new math 286.58 + $5.00 is 291.58 and is NOT 10% of $3000.00.

Unauthorized use of credit card information. Equifax has charged my credit card although both my CVV and expiration date have changed. A company which is focused on credit fraud is doing it themselves. I think that says it all. They mentioned in the mail that they can't take money out of your account anymore and will have to stop your subscription. In all reality they don't care. It is a fraudulent company which should be ashamed.

I've been in an urgent need of updating one of my credits and been told if I send the required documents by fax and mark them as "Urgent", they'll review it and it'll be processed between 3-5 business day. I've been following up once I sent my files and called 2 days after I sent the files to see if they received them, but have been told by one of the agents, that I have to wait at least 3 days so they'll be able to check that out. Called on the third day and been told that I have to wait 2 more days! I called on the fifth day and the lady that answered my call told me that she can't tell me if the credit has been updated or not and I should call back in 2 hours to be able to talk to an agent!! I lost my mortgage approval only because of their lack of cooperation and not having a clear answer for my bank about the time I need for credit update, and kept waiting for nothing! It was marked URGENT for God's sake! I would not recommend Equifax at all!