Equifax

Fast forward to today, February 17th and nothing has been changed. I called them for the fourth the today and found out that the consumer dispute was never included into original call to remove disputes and consumer statement, so now I have to wait another 30 days for that and up to another 10 days for my original remove disputes request to be completed. CAN SOMEBODY PLEASE HELP ME GET THIS REMOVED!!! My financing contingency is Monday!!! Help!!

I also had an item removed in January which reflected on all 3 bureaus. The decrease in utilization gave me back my points I had lost in December with Transunion and Experian but not Equifax!!! The removed account had also bumped my score with Transunion and Experian but not with Equifax!!!! Frustrated at this point, I called Equifax, and they gave me the same run around every other reviewer is mentioning. They asked me these identity questions that honestly did not apply to me so they could not identify me. I was told to fax or mail identification along with a letter to get access to my report & score. I only wanted to know why that could possibly happen when there's positive information being updated on the account. They continued to tell me they could not identify me so they couldn't provide me with any information.

It honestly sounded extremely scripted-- as if I were talking to a darn robot, and as if these situations had always occurred. Now I see that there are thousands having these same exact issues primarily with Equifax. I just think it's super strange that both Transunion and Equifax uses the same scoring system; yet, the actual scores generated are extremely different. I am hoping to purchase a home before the year is out but I am really losing hope because of Equifax. Something is really off about this company or their system. This is by far the worse company I've ever had to deal with! I'd really like to sue the crap out of Equifax-- solely on the fact that I am also being denied certain cards because of their system not updating! They honestly need to really be looked into and put out of business the way they're destroying/hindering people's lives.

Today I finally called customer service to be put on hold. I could hear their music then it went silence. I said hello a few times. Nothing happened. Said hello a few more times. Still nothing that I said, "You must be on mute because I can't hear you," and then it went to a customer service survey on how they did which I of course said did nothing because I talk to nobody. Call back again. Finally was able to talk to somebody. They told me with an open account when it's paid it'll stay there for 10 years and I did but that is incorrect because the other 2 agencies have already removed them from my reports and the response was, "That's not how we work here. We are different than the other 2."

So I ask what can I do to expedite this since they were open collections accounts that have been paid off and by law should be removed. They stated they are currently having a system outage and there's nothing they can do until their outage is over and that I can call back and ask the same questions at another date. Now I don't want to disparage any culture whatsoever. I am sure there are plenty of fine call centers overseas but when we are dealing with our credit that is a factor in our lives and how we live them and within the agency that has already been hacked before. Would it not make sense that these call centers be located in the homeland of the country that is calling them. To me it just seems it would be more secure if the call center for Equifax would be in the United States or at least in North America.

Calling their customer service all out of US is a joke. They all say the same thing. Sound like robots and refuse to transfer calls to upper management. Playing with people's dreams is what they do. My last attempt was today. If it does not get fixed I will lose the opportunity once again to buy a house. All because how incompetent this company is. No matter what number I call I get the same employees in Philippines or India not sure and is not their fault but the company that has a mediocre way of serving their clients.

Equifax on the other hand, was awful, unable to login online, then unable to utilize password help - both were "unable to process my request at this time", called the Equifax phone number, attempted the "automated" temporary lift of credit freeze - what a disaster that was, rather unclear questions and answer choices about "information contained in my credit report". I answered one of the questions incorrectly? Requested to speak to an agent. She was very pleasant but not too helpful. She informed me that my account was now locked because of the automated "help". She offered to walk me through the online login but subsequently informed me that the "online login" was also locked and I would not be able to use the 2 remaining login attempts.

Remaining options: mail documentation and a written request, which will be "processed in a timely manner" - 7 to 10 business days or fax for a processing time of 5 business days. I requested that our recorded conversation be forwarded to the company CEO. Read the other reviews. This company apparently has not improved operations one bit from the days of their avoidable data breach except perhaps to improve their CYA policies. It is infuriating that a profiteering company can collect and sell my data without my permission, then not protect that data from theft. On top of that, why do they remain in a position to then impede the business that I need to conduct.

Kudos to Transunion and Experian - 5 stars. I only gave Equifax a one star because a ZERO was not available. FYI - you cannot signup for Medicare or Social Security Retirement online if you have a credit freeze. You have to make an in person appointment to create an account. Thank you Equifax - the company that according to 2017 news stories, could have proactively avoided a massive data breach by simply installing the freely available Apache Web-server security patches. Google it, the former resigned CEO walked away with 70 million dollars. Good luck to everyone one of the 140 million data breached people that are forced to deal with Equifax.

Someone with a difficult to understand accent told me I would have to FAX verification info, SS card, driver's license. So I left my house, one of the few times during COVID, and faxed it. The customer 'service' agent told me I would get a response within 30 days BY MAIL. It is 2020, almost 2021. My mailbox is more available to hackers than my computer accounts!