Equifax

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.

By far, THE WORST of the credit bureaus to deal with. None of the features work on their website. I was in the middle of submitting a dispute (for two companies) and then automatically booted out of the system. So, I try again...answering all of the security questions and begin the process over again... to be booted out of the system RIGHT BEFORE pressing the submit button. Alas, I try a third time, except this time the system does not recognize me. At all.

I have two addresses under my name - not mine. Phones under my name - not mine. Scotiabank visa card - not mine. SO, I asked to be a fraud alert under my name, because DUH. They don't. They investigate it, and when they don't find any proof that it's fraud, they LEAVE IT. I asked to put an alert multiple times, and I even had a police report. Nope. They still closed the investigations and didn't put fraud alerts under my name. I now have really bad credit, with all of that info and it's not even me. Transunion is way better than Equifax. So apparently now I gotta wait 10 years for my credit to be good since Equifax doesn't want to do anything. THANKS!!!

Their website is absolutely horrendous. I was in the process of disputing two accounts which do not belong to me, and the website closed. Normally, not a problem. I re-opened and had to start the entire process over. After entering my identifying information a second time, I was informed that I am apparently non-existent, despite entering the exact same information I entered previously.

I disputed inaccurate information on my report. It was a charge from a collector I had no knowledge of. I was positive it was not mine but how can you prove an account is NOT yours? Multiple disputes with Equifax and they always came back with same response saying the information was accurate. To prove to myself what I already knew I disputed the balance reporting on an account that had not updated and was paid off 45 days prior. I have a receipt showing the balance on this account is $0 and paid in full. AGAIN, EQUIFAX SAID INFORMATION WAS ACCURATE AND HAD BEEN VERIFIED AND THE BALANCE WAS $4300.

On May 11th, I ordered a copy of my 3 bureau credit report. The report did not show any credit history. I contacted (by email) Equifax customer care. 3 days later, they closed the case without providing any information as to what they did to correct the situation. I then contacted them by Chat and for some reason, in the middle of the conversation, the Chat was disconnected.

I signed up for this freeze because of the debacle created by EQUIFAX... now trying to get the freeze unlocked and working with their employees is HELL! Just don't do business with this company. The employees in Customer Service seem to have a power rush in controlling what you can do with your account.

I have called customer service multiple times after I was denied access to my online account because, "The information you have provided does not match our records". Each time I called, I was told that my information is correct, but "the website is not currently working because it is updating". When I ask why it says my information is incorrect, they say, "I do not have access to that information." So I ask if there is anyone I can speak to that DOES have access to that information.

I kept maintaining my credit payment on time and in full for over 2 years now and they did not change my score. I ended to a clue that Equifax try to keep you as long as possible with the same score to secure your membership as you cannot grab your score from there if you are not registered and you have to pay monthly payment to be able to access and check your score. If these people lose their credibility with many cases I DO NOT KNOW WHY BANKS and other still use their "UNFAIR" evaluation. I am sure if their applications that evaluate the credit score get audited by the government, this company will be shut down immediately. This is only one side of what they are doing adding the waiting on the line every single contact for over 30 minutes.

First off hold times are ridiculous if you call first thing in the morning when on the East Coast. I have experienced holds of over 25 minutes on more than 1 occasion and finally had to hang up as I have other things to do. Longer holds more understandable if calling after that as more time zones would be calling in. Why not set up a call queue like many companies have to return calls in the order received. Secondly, why do I have to input answers to all questions if you are not yet open? Why not advise us to call back during business hours and state what that is, INCLUDING time zone.

I have had many bad experiences with Equifax. The website is virtually unusable, and I am very computer literate. I will describe as an example my attempt to access my dispute resolution information just a few minutes ago. I had received an email saying a dispute was resolved and it had a confirmation number that must be used to access my report online. I went to the website and the dispute resolution page where I was given a form that included that number and asked for my biodemographic information, including previous address. Because I have auto populate software, it took me about 1 minute to complete the form, but when I submitted it I was told that the process had timed out. I repeated the process, timing my entry, in less than one minute and was again told I was timed out.

I paid off a creditor who agreed to a pay for deletion. I paid almost 1K for the debt to be removed and the creditor has send Equifax numerous letters to delete the debt and Equifax fails to remove it from negative items. Therefore, it still shows that I owe that debt. I did a complaint with the consumer finance and Equifax responded that the debt was not there, yet I pulled my credit report and it is still there! They are liars and crooks!

All I wanted was a quick credit report. After I had entered all of my information and payment details, I was told my card had failed and so I received no product. So I re-entered the card details a few more times in case I had made a mistake, and still no luck. Shortly later, I was billed the full price of every attempt for a near total of $100. No products appear in the account page, and I can't change my payment information to something else (In case they attempt to charge me again) because you need to be subscribed to a product to change payment details. Phoning got me nowhere, and no contact email address can be found on the site. Luckily my account sign-up email contained an address to contact, and when I did I received an immediate response saying they would attempt to process it. There are better alternatives to Equifax by far.

They won't let me dispute charges unless I send all of my documents plus my first born. They scam you. Why is a third party in charge of my information and then charge me for MY information??? Give me my information I asked for and which is MY data.

Recently, after running my report from Equifax, they showed my current last name as a previous name and my previous name as current and likewise for my address. After trying to update this online, I was informed that I need to call, so I did. However, after giving my ss# to some young sounding girl in the Philippines who spoke with very broken English, I was requested to give my DOB, address, outstanding loans, how much my payments were, how much the outstanding balance was, who my credit card companies were and how much I had outstanding on each account... YES... All this for verification, after providing my social, DOB and address. At some point I said that's enough! She wouldn't move forward with my request to get my name and address updated.

Equifax updates when they want. I had a bankruptcy. The other two bureaus are updating and allowing me to dispute but not Equifax. Why do we use these entities when they are so inaccurate??? I tried to create an account and they sent me in circles. I can't get this items disputed and so many are wrong. I have the bankruptcy papers to prove it. It is ruining any chance I have at recovery from domestic violence and getting on with my life.

I filed a dispute based on inaccurate info, got an email from Equifax saying they had the results of my dispute, but when I clicked on their link I kept getting "We are unable to process your request." I called and finally got a human who barely spoke English, getting asking me the same questions and didn't understand what I was saying. He put me on hold 3 times. Finally I asked if the website is broken and he said it was. Also while waiting for this guy, I agreed to participate in a customer service survey and was told to stay on the line after the call, but after he hung up and I stayed on the line, nothing happened.