Equifax

I'm really devastated about Equifax who released my credit report to Toyota without my SS# so anyone can come and pull a hard copy of your report without your consent. The credit bureaus are only protecting the financial companies, not the consumer. This system of credit reporting is totally unfair if it is only working one way. I called customer service and they asked me a ton of questions to verify my identity when they release my information without the proper one. If anyone has the same experience please let me know. Maybe it's time to sue them, maybe this will make them better.

If you try to use Equifax's online system it's a crap shoot if it works or not. I had to dispute several amounts that were already paid but still showing up on my credit report. The first time I tried to dispute these online with Equifax their system would throw security questions out at you, some that are incorrect but I have no way of correcting these random security questions and would be barred from my account online for not having the correct answers. However, the next day I tried again, received more random generated questions that were correct about me and was able to finally get in.

In an attempt to better protect our family's personal information, we signed up for the Equifax Complete Family plan. After entering my information online, I was told that I needed to call the Customer Service number that they provided to finish verifying my information. After waiting on hold for over a half hour, I was informed that I do not have an account with them nor do they have a record of me creating one. However, according to my bank, Equifax did take $19.99 out of our account for this service. After talking with their customer service again, they told me that they were referring my case up and that I would have to wait 24-48 hours for a response to see if they can resolve this issue. Lesson learned, go with a more reputable company if you want identity theft protection.

I don’t often need to unlock my credit freeze but in an attempt to buy a new smartphone with a new carrier, it was required. 3 trips back to the store found my credit still locked with Equifax. Yes, I’ve also had those frustrating phone calls with the Equifax rep trying to prove I am who I say I am. And yes, my information is never good enough. Why do they give you a PIN number, then never ask for it or use it to get around all of the BS. Initially, I blamed the phone store for these issues, but it has become more clear that the problem is Equifax. They SAY they have unlocked my credit but never seem to do it. Now I’m trying to sign up for Social Security on the government website & Equifax strikes again! You’d think companies that check our credit would learn how bad Equifax is and use the other agencies—or at least know enough to inform us that Equifax is the problem, not them.

I am stuck in a never ending customer service loop with Equifax Canada. Somehow my account has been frozen because of suspicious activity. That's good I guess, however I have made 5 painful phone calls over the course of 20 days and there has been no resolution. I am now told to wait another week. I cannot access my account nor can I cancel it due to this appalling service. So now I am in a position where I am paying for absolutely nothing. The minute I gain access to my account I will be cancelling it. Do not pay for this product if you expect support.

Some "How to" information regarding Equifax... I am still on hold with Equifax. I initiated this call over 90 minutes ago. I spoke to five different people so far. The last is Rocky, ID # **. He is the first person who was able to understand my request, because he was located on the Mainland of the United States -- not in some foreign country.

I usually get my score update from Credit Karma, however I took a look at my updated score and it dropped 80 points for using 50 dollars on one of my credit cards. The purchase wasn't even for me. I have the Exact same thing reporting to Transunion and my scores actually went up for using the card, therefore I believe this scoring system is a Government Conspiracy, they are deciding who gets credit. I'll fix it with my knowledge and months from now. But this is just ridiculous. It's Unfair! Just when my scores were back in the 600s. Round 2.

This company is literally the worst. How can a company charged with safe keeping our data outsource it to a foreign country? I have a verified account but when I go to dispute something it says my information doesn't match their credit file! Complete garbage and should credit information should never be outsourced to a third party. Scam! Website never works and the representatives from India are zero help. There needs to be congressional investigations into this company. I have never had problems with TU or Ex. This company needs to be shutdown immediately before even more Americans have personal information compromised and sold to Russia, China, and North Korea.

Any agency that is responsible for protecting my personal information as a requirement and now offers a monthly fee service to "better protect" is not an agency worthy of holding any of my information in the first place. For those who want free protection, they can freely lock their account at each of any credit reporting agency. Just make sure to keep your password/pin or it can be painful to unlock. I find that if any agency cannot "absolutely" protect my account 100% they should pack up, close the doors and never open another business anywhere on this planet.

I filed a dispute through Equifax last months. I have received numerous emails that are automated telling me I can review my status. Whenever I hit on the link and fill out all of my information along with answering all the questions, I receive this message, "System Temporarily Unavailable. We are currently unable to process your request. Please try again later. We apologize for the inconvenience." I then go back to the email which transfers me directly to the Equifax website and hit the dispute status button and fill out all the information again and get the message, "System Temporarily Unavailable. We are currently unable to process your request. Please try again later. We apologize for the inconvenience." This has been going over a month now. Why not send us an email that we can respond to or a number to call or don't send the emails at all.

It is unfortunate to see so many negative reviews but it's nice to know I am not the only one that has had/is having, a terrible experience with this so-called company. I recently moved to a new Province and was hired by an insurance company. In order to be able to sell insurance I had to write 2 certification exams and then a government exam. I passed all the exams yet I am still not able to get my license because of Equifax. In order to get my license the company I am employed by needs to do a credit check which they are unable to do because Equifax has my wrong year of birth. Therefore, I am unable to work.

I had/have a fraudulent account listed on the three major credit agencies - Experian, TransUnion, and Equifax by an organization called LVNV Funding LLC. July 2018 Certified mail was sent to LVNV Funding LLC asking for a dunning letter of proof they were authorized to collect this debt and that this debt actually belonged to me. As of November 2018 no response had been received so I challenged the entry on all three credit reports - Experian and Transunion deleted the entry after their investigation. Equifax not only left the entry on my credit report, but lowered my credit rating.

I have faced my driver's license and social security card to them and haven't gotten a response back in these 10 days. Even though I have a fraud alert on my credit that I'm trying to remove so I can get a vehicle. They told me it would be processed within 5 business days. No one on the line seems to be able under what I'm saying because there is a huge language barrier, that's extremely dangerous and unprofessional, especially since I already have a fraud alert on my account. It's sad that they can get away with holding up people's lives.

It is so terribly sad that this company will drop your credit rating at the drop of a hat. As a small business owner, I have paid nothing late. I don't qualify for low interest rates because this company doesn't look at 18 years of hard work and paying bills. There is no way to fix what they report. It seems a conflict of interest to pay Equifax for anything. Who monitors them anyway.

Equifax sent email to indicated their 1 year free service, after Equifax failure to protect our information, was being cancelled. They said they would remove the lock on my credit bureau and I could get at no cost a security freeze. I filled out their form and created a password and the screen said I was unable to verify code sent to my email. The code was never sent.

Firstly, I'd like to say that I worked in customer service for almost 10 years and know how tough the job can be and how little say the representatives have in the processes they're asked to advocate for & present to often-frustrated end users. That said, Equifax is by far the worst process I have had to deal with regarding customer service. The online tools don't work, the phone queues are ridiculously long (called on different days at different hours and had the same experience), the agents read from a script and have very little flexibility in what they can do to assist the caller & the same goes for their supervisors.

We were offered "free" membership in the Equifax TrustedID program and advised we should freeze our credit to protect us. Then we could never unlock it despite being told we could after doing everything they told us to do via their website. Calls to customer service did not resolve the issue and were further frustrating. Emails to customer service were also useless.

Very time sensitive case and EF just couldn't possibly care less. Out of this world. I have dealt with a lot of companies, Equifax is off the charts. If you can - avoid Equifax! Couldn't possibly care less, and the people on the phone probably don't even know what company they're working for. Horrible horrible service that ends up costing me couple of thousand dollars because they delayed my closing. Thank you Equifax - never ever ever again!

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?