Equifax

I called and went through my security questions and tried to dispute a hard inquiry on my account, they skipped over that and put a freeze on my credit account so I have to call anytime I want to use my credit. That was fine but they never helped with the hard inquiry, then they told me they never updated my name from when I got married 2 1/2 years ago. They made me talk to someone else who couldn't access my account using the same info I gave the last person. It went on like this for 45 min before they said they would transfer me to a supervisor of the supervisor because they were incompetent as well. They then left me on hold for 40 min before I hung up and called back which they then argued with me and told me I had the wrong information for my account again. They then put me on hold for another half an hour. So basically in 2 hours all I did was make it even harder for me to use my credit account since they don't even have the correct name.

I am trying to close on a home and for some reason Equifax froze my wife's account. Sent SSN and Driver's License to a fax number only to find out that it should be sent to a different fax number. Worst customer service I have ever had to deal with and most incompetent staff working to clear up these disputes that EQUIFAX HAS CREATED.

For months now I have been trying to get Equifax to correct an issues they created during a Sunday (upload/download) of data of my credit file. I’m in the middle of trying to close on a home and they stated that one of my new accounts had been in a bankruptcy. This account was not in a Bankruptcy and to make matters worse this account is only two months old which make it appear as if I have been late as recent as two month ago (while I’m in the middle of trying to close). This is severely impacting my score and Equifax is giving me only two options which is dispute it (which I can have anything in dispute status because again I’m trying to close on a home) or I can send in documents stating this account is not in bankruptcy. (Mind Blown!!!)

I got an alert from Credit Karma that a new credit inquiry was added to my Equifax report from AT&T. This was alarming to me because I don't have an AT&T contract and didn't try to sign up for any. This inquiry did not show up on my TransUnion report. I immediately went to the Equifax website and filed a dispute. Then I called the fraud department at AT&T. They verified that the info listed on the inquiry was them, but they searched their system for my personal information and couldn't find any record of anyone applying for anything with my name or social.

Identity? FIX. YOUR. WEBSITE!!! I don't want YOUR customer service rep to aid with a dispute. I cannot file because of YOUR website and multiple confirmations from YOUR reps. I am who I say I am; YOUR website fails to recognize this. YOUR reps fail to have a major criteria for customer service, complex thought processes and problem resolution! A minor detail, I was being transfer and asked for the phone # in case disconnected. I was given 7 digits. Dude, I need 10 of those. After runaround and being put on hold multiple times. I was told "It's kind of confidential".

EQUIFAX sends passwords via US Mail. That's right. I'm been a victim of identity theft since 2014 when our social security numbers were stolen to file false tax returns. Every year, there's a new theft. Using the automated system, I input my social security number & the just the number of my home address. Took 3 seconds. I signed up for a service with the USPS so that I get an email with an image of the mail to be delivered that day. There was 2 Equifax letters. My husband received his, I did not receive mine. More identity theft! It's useless to speak to a human who speaks English that is understandable. (My grandmother was from the Philippines). So to recap: Equifax uses cheap reps in other countries who speak but can't seem to understand their US clients. I have recorded phone calls. They are holding my info hostage. Next up is I file more reports and hire an attorney.

Dinged for a closed, paid in full acct 9 yrs later? Unreal. I left Aspire Visa due to extreme dissatisfaction and paid my whole account off in time and in full to be done with it. That was in 2009. So I get a notice from Credit Karma earlier this month lowering my score for having closed the account. I tried calling Equifax to speak to someone about this outrage, and you can imagine how far I got with that. And now there's magically nothing showing on Credit Karma for me to do my dispute thru their app. What a screwover; an honest, responsible account holder can possibly win at this rate.

When I tried to get a loan I found out that in the Equifax report is error when trying to pull my report. So I was suggested to call Equifax to fix it up. So I did. First of all communication is almost impossible because person on a phone didn’t understand what I’ saying. I had to repeat and spell my name and address maybe 5 times and still I’m not sure if he got it right. Then they told me to send fax with my SSN and ID. So I did, few days later I called to check it out and found out that I was given wrong fax number. Fax it again and called again few day later and still they didn’t have my information corrected. Still waiting and my loan already gone. I just can’t believe that Equifax screwed my life.

Our son went to the bank branch we deal at to talk about getting a loan. They were told Equifax would call to get information. Now this is where the story goes south. The Equifax person mixed up our son with a cousin of his and then went on to accuse him of trying to do identity theft when in fact it was the Equifax person screwed up. Makes me wonder what kind of people they hire. Completely unprofessional.

I have worked with all three agencies, and this is by far the WORST regarding eliminating incorrect data from files. The other two removed my dispute immediately. With Equifax, I have had to call 6-8 times, send a fax with my SS card and my license, and speak to numerous customer service people. I still have not had a resolution to my credit dispute. I even complained to the BBB in Georgia who were less than useful. And, yes, they comprised my data last year so my SSN and info is already out in circulation.

Equifax refuses to delete a consumer statement from my credit file. I have been trying to get it removed since July, every time I’m told it will be deleted but still remains. They are doing the same thing to previous address on my credit file as well. Equifax sends me a reinvestigation of results showing deleted information but when I check my credit file it has not been removed. This company is the worst at handling consumers' personal, private information. They lie and violate our consumer rights.

Equifax deleted 4 out of 9 accounts from my credit report, put hard inquiry by Equifax mortgage and dropped my credit score from 811 to 655 after numerous calls to fix this issue in the past 11 months.

Well first there are no people to speak to that are English speaking so I'm assuming all jobs are not in Canada which is terrible when you are dealing with your life... So my score keeps going down daily can't figure out why... My husband turns out had two separate accounts in his name... I had collections that weren't mine. I have letters from that bank that said no late payments and they refused to take late payments off even after investigation. They could figure out if my acct was to be paid monthly. I was being charged late every two weeks because of a bank error. Could not make them understand.

I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. I initiated a live chat on Equifax website and the agent's response was to call Consumer Service Department. I informed her I was deaf and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call.

I moved 8 years ago, luckily I know the people that bought my old house. Equifax sends a letter to my old address. The letter basically states, "This is what we have for your new address and this is what we have for your old address." So they mail it to my old address? Then the letter gives a phone number that is nothing but an automated line. All I can say is WOW.

I have spent the last two weeks trying to get my online account unlocked. None of the verifiable question are correct or have anything to do with me. I have spoken with numerous representatives, all of which refer me to another department, avoid answering my questions, not helping me at all. Then when it comes time to take the "survey" they are asking for, the line is disconnected. (I know right? Say it isn't so LOL.) This is a "for profit" company that has all our personal information (incorrect, I might say), has been hacked several times, is used by numerous businesses in making life changing decisions about us.

Violate the Fair Credit Report Act. Equifax are to reinvestigate the negative item shown on my credit report and to provide Proof of accuracy of verified items by providing original signed contract/agreement with wet ink signature or to remove any and all negative items where contract could not be provided. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. I think it unfair for Equifax have false information on your credit report.

Called by a potential employer who informed me that Equifax has a security freeze on my account. Called Equifax to have freeze lifted to find out that they don't have a freeze on my account. In fact, they hadn't updated my account since before November 2017, what happened to accurate updating my credit? Still had my old address on file (which had been updated with everyone else) refused to update address, informed me I had to fax in documents for proof for security purposes but didn't hesitate to ask me a million other private questions that validated who I am.

I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I’m told my information doesn’t match, which is BS. I was successful sending one dispute online and received an email saying it was ready to be viewed, well that never happened. Email says I have 30 days to view it, upon trying to do so I’m greeted with the famous Equifax message saying my information did not match what they had on file. I am so fed up with Equifax, they make it nearly impossible to dispute or view your dispute which is required by law. I hope this company goes head over heels, they have no business handling any consumers personal information.

A few months after I used the service I cancelled my account on my computer. Since then they have been taking $20 from my account for 2 years. Yes I should have paid more attention, but the point is canceling over the internet is useless. Make sure you call and cancel.

Absolute nightmare to set up credit freeze (to fix Equifax breech). System is slow, and does not send you the PDF PIN number - then you get on phone for 45 minutes trying to convince them of who you are. Doesn’t help that there is a language barrier as they have outsourced their service to a foreign country. Why does their process have to be so difficult when it took only a few minutes each for Experian and TransUnion. I would rate them zero stars if possible!

I tried signing up for the credit freeze through Equifax after the mess THEY made by THEIR breach. Their website kept freezing up and having errors. After multiple tries I gave up. Fast forward months later. I attempted to get a loan which was denied because I had a credit freeze through Equifax. WHAT?!?! I attempting to log onto their website to lift the credit freeze however it was down. I attempted to call and once again their system was down. I attempted the next day and turns out it requires an 8 digit pin. A pin that's supposed to show up in a popup/download at the time of the freeze. Since the website had an error I hadn't received a pin.

Faxed in both sides of provincial card and SIN card. They refused to send me my credit report. I called government of Canada. Told them Equifax said my SIN is too dark. They said it was fine. I sent copy of SIN and provincial card by mail with letter. I also filed complaint with BBB as well.

Horrible! I signed up for a credit freeze when the last security breach occurred. I then find that you can’t log onto the Social Security site (and others) with this in place. Removing freezes from the other 2 major companies was a breeze but EQUIFAX has been a HUGE problem. You need the PIN # you were given when signing up. I have my pin and I’ve spent HOURS Trying to get this freeze lifted. Their website freezes and they require you jump thru hoops. Am now having to send a letter with extra proof (utility bills, etc). RIDICULOUS! I wonder how long it will take now using snail mail. Why is it that EXPERIAN & TRANSUNION were so simple and they are the total opposite.

Every other credit reporting agency doesn't make it so hard to add or lift security freezes. Experian is the best and TransUnion was a pain but nothing like Equifax. Imagine having no way to recover a pin on their website. They don't make the number easy to find. Then when you finally get through you get someone who can barely speak English asking impossible questions. What is confirmation number, when did you originally apply the security freeze. They want the month day and year. Like you're really going to remember that. Come on now. If you fail you then have to send a letter with copies of your identification. It takes forever. They are punishing you for protecting your credit. I really wish they would go bankrupt. I would never use an Equifax product again.

Both of my parents are deceased. Father in 2013 and my Mother in 2017. When I received their credit card statement in May a charge dated 4/13/2018 in the amount of 199.99 was showing for EQF*TID TRUSTEDIDSERVI. I contacted the number provided on the statement and was informed they needed confirmation. They requested I send in copies of the death certificates, SS #, Mailing address and phone number along with a copy of my driver’s license. Then I needed to wait 10 days before calling them back.

I had identity theft and promptly put a fraud alert and freeze on all 3 credit bureaus. Two credit cards were opened in my name and I only disputed those two. Equifax disputed ALL of my credit cards resulting in four cards being closed, three I have gotten back, (one dispute they put through was on an account that was closed 32 years ago and another closed 9 years ago). Equifax had told my creditor's I had a new address, which was the fraudulent address and they almost sent my new cards there. The rest of my cards were blocked. I had to constantly contact all of my accounts to get everything back in order. The time that this took over a matter of 6 weeks and having to do it more than once has been ridiculous.

Equifax has continued to allow false or incorrect information to remain on my credit report. I have disputed inaccuracies numerous times, with documentation to prove those inaccuracies and they refuse to delete them.

I've been hacked more than once. Just when I think everything is resolved, it starts again, charges on my credit card etc. I have changed my credit card 3 times, the first time I under a free sample which was really my fault because it was actually a membership where they send you skin care product every month and charge you over $150 US for skin care you can buy at pharmacies for $60. It was on the Fifth Estate, a Canadian that lived in California. Fool me once, but not twice. I have a new credit card. Do not order online anything anymore. I realized it started again getting charges on my credit card. Looking back what I did in the last month. I had purchase a monthly service with Equifax so I can check my credit score again, and to make sure nothing negative. Sure enough I see my credit score is low 585, after paying well no late payments for 6 years.

Worst customer relations ever. Can't dispute even personal information without having to mail copies of my license, my SS card, my utility invoice. A credit reporting company that wants me to MAIL a copy of my SS card. Joke #1. Trying to "chat" is joke #2. One field to fill out: email address. No submit button, no link to continue. I hit my enter key. Error message: "please fill all required fields before attempting to initiate a chat" Huh?? ONE field, filled. On to joke #3: trying to contact a live customer rep. I finally find a number, call. First call, disconnected. Second call "Bran" needed me to answer a security question: What's the credit limit on one of my credit cards (a specific card)? What?? I've had that card for years, and I'm expected to remember its limit?? Isn't there another security question? No. NO??? At that point I disconnected the call. Equifax is impossible to deal with. Soooo much simpler with TransUnion.