Equifax

Can’t use my credit card bc they have my profile “on hold” for some documents I signed A WEEK AGO. Wtf smh. I called my credit card customer service line and everything is fine on their end. They’re SO NICE they’re just waiting on EqUiFaX. Like this would only happen to me.

My score was 675.. two months ago.. But after I paid off 2 loans together of about $14,000.00 and a collection of $5,000.00... it went down to 585? I don't understand. My score should have went up to almost 800? Maybe it because so many people are doing bad because of the Corona-virus and their scores are going down... But don't pull my score down with them.

In 2017 an Equifax data breach affecting 143 million people. That breach was dwarfed by other hacks of security. The 2018 breach of Equifax is possibly the most severe of all for a simple reason: the breath-taking amount of highly sensitive data it handed over to criminals. By providing Equifax with full names, Social Security email private home address still puts everyone at high risk if you have any dealings with them. AVOID EQUIFAX. ALWAYS.

I just paid all credits cards down to zero balances. Had to use one for expensive pharmacy. I literally closed 2 credit cards out same day. No credit cards late or in default. These people dropped my score 35 points for using one credit card! This is totally uncalled for. They should not be in the people business, they can destroy lives too easily. Companies rely on them for deciding credit worthiness.

I don't normally write reviews for anything but my experience with them has made me want to warn others of how awful their customer service is. Cancelled my account in June and they have continued to charge me for a service I don't use (or ever used since they couldn't even provide what I signed up for in the first place). I have called countless times, every time being told that I need to wait and that it has been escalated to the highest point, but finally gave up and tried to file a dispute with my credit card company but Equifax refuses to send me the information I need in order to do so. Not to mention if I log into Equifax it tells me to buy a subscription, so I'm being charged for a service that I can't even use if I wanted to. Avoid them if you can.

I canceled my Equifax account 3 months ago and they continue to charge me the monthly fee of $22.54 for a service I no longer have. I have called in repeatedly and been given multiple case numbers. I always get the same response of needing to wait 5-10 business days for the complaint to be escalated to the billing department, which never happens. There are many other online credit providers (TransUnion, Credit Karma). If you are looking for your credit score do not use Equifax. Very concerning and disappointing.

Updated on 09/05/2021: This is an update to a review I filed awhile back on Equifax. I had a company called LVNV Funding LLC (AKA) resurgent Capital services to report a fraudulent debt on my credit report. Equifax knew this debt was fraudulent. Equifax went on record 5 separate times and said they validated this debt to be accurate and mine, They said they contacted the original creditor and the original creditor verified that this was my debt. I contacted the same original creditor and they sent me a letter and said they had no knowledge of any debt that I had with them. I submitted this letter to Equifax.

A freeze was put on my credit and nobody knows why. I've been on hold now 40 minutes. They can never verify my identity. This place is no good. Had to call 4 different numbers to finally have a chance to talk to a real person. Even their site is horrible. Couldn't log in and couldn't verify my identity.

No idea why it is so hard to investigate an identity theft dispute with all my valid government-issued documents. Transunion already solved everything but Equifax just cannot change any fake info on my account. I finally freeze it and rely only on Transunion, but the experience is so annoying. My friend has had no SSN issued ever, but Equifax assigns him a fake SSN to put a fake collection under his name and refuses to change any info. That is so annoying.

This is the worst of the worst credit bureau. It’s like they’re out to make your credit as bad as possible. I had paid off an account (that I didn’t even know I had because all the stupid bureaus bury all the negative stuff so you have to go around digging) over six months ago and this stupid Equifax people randomly recorded it as a severe delinquency. Meanwhile they didn’t make that information clear on the report but BURIED it deep in the closed accounts section. I then called to ask them to delete this account that’s 10 years old and they refused and asked me to call the lender. The customer service was terrible and was just repeating words like a robot. I can read all that on the website! I hate these bureaus with my whole heart. I hope the government folds all of them into one. Or destroy all of them altogether. What do we need 3 credit bureaus for? Useless people.