Equifax Reviews

Equifax has been reporting erroneous collection information (1 account for about $80) for over 2 years. They have failed to respond to my inquiries regarding who the creditor/collector is (it is not listed on their report, which I had to pay for just to see in full). They have also ignored my disputes filed on their web site. Their report of my score is adversely impacting my cost of credit and I don't know who to go to in order to get this issue resolved. Please help.

I have been receiving unsolicited mail originating from Equifax to companies such as College Loan Corporation even though I have put myself on the Direct Marketing Do Not Mail list. The first time I received unsolicited mail from College Loan Corp. in September 2006, I called Equifax's 1-888-5OPTOUT phone number and subsequently mailed in their request to take me off all Direct Marketing lists. It is now late January 2007, and I am STILL receiving unsolicited mail from College Loan Corp. originating from information provided by Equifax.

I am trying to improve my credit and have obtained Experian and Trans Union reports online without problems, but when I am asked to verify my information, Equifax asks me to verify a MORTGAGE that I do NOT have. It does not exist or is incorrect or someone has used my info to get one. I can not see that info as Equifax will not let me in as they think I am not me as they have a Mortgage on my credit report. There is no Phone Number and I am extremely frustrated. I have been denied credit at a local bicycle shop and I am afraid to try to purchase a car as I don't know what is contained on their information.

I requested a security freeze be put on my account on May 20, 2006. I have been unable to remove the security freeze and as a result I cannot obtain a credit card for my work. I could not buy a washer and dryer when mine broke.

I was denied credit, because equifax continued negative credit reporting. I asked equifax to review my credit status. I have maintained an outstanding credit history for nine years and have perfect credit score. Esperian and other credit reporting agencies have removed and deleted all bankruptscy listings on my credit. I informed equifax, this was due to a divorce and a ex-spouse. I submitted a request to equifax, to please remove this from my credit file.

Several months ago I had sent in my request for Equifax to freeze my account. They responded back via letter stating that they could not freeze my account since I did not send them a payment. This was incorrect because I sent them a check along with all necessary information. I figured what the heck. Don't really need my accoun frozen. I was just being cautious. Well, today I found out that they had put a freeze on my account without ever notifying me or providing me the pin number to unfreeze my account. Only found out when I tried to apply for credit. To make things worse, you can't even contact them. They provide no phone number to contact them. All other numbers are recordings only. How can such a company have so much power over us and can't be contacted. What is the government doing about this. I am so upset that this is allowed to happen. I will contact my congressman/senator today and the state attorney to file complaints.

In my recent attempts to finance a home I have found that my credit score from Equifax is approximately 125 points lower than the other two reporting agencies. Logically this indicates a discrepency or dare I say mistake by Equifax. I subsequently went to their web site and searched for a phone number to call to ask questions and was unsuccessful. It would seem that the only way to gain access is to give them money for a credit report so that I can then do all the leg work to fix their mistake. This means that I give them money so that I can then do their job for them at no cost.

equifax kept charging me 9.99 monthly and i had to get my debit card number changed to stop them from withdrawing money.the 1 time i got through to contest info on my report the lady i spoke to was nasty as hell.. i still can not get a credit rating number from them...they have addresses and job descriptions on file that have nothing to do with me . i have sent numerous emails to them and called several times and can get no one on the phone but recordings.

I have few collection items, which were inherited to me because of my previous bad marriage. Since these were the joint accounts and I was the primary accounts, I had to pay all these accounts in full. By law these items and the accounts as well should be deleted from my credit report after seven years. This seven year period depends how these credit beaurue companies count this time. It should have a start date and after seven years there should be a end date.

On 8/11/2005 I checked my credit report with Equifax and there was nothing on it. By nothing I mean NO THING! Of all 3 agencies Equifax was reporting the lowest score by over 100 pts. However, I got busy disputing an item that wasn't mine on my Transunion credit report that I just forgot about it. However, now I am trying to refinance my home and Equifax has the very item I disputed with Transunion last year on my credit report! I need to refinance now but they want me to write to them and request a copy of my report and then wait for my report before I can write to them again to dispute the item. They won't let me dispute the item online by using the credit report I paid for that my mortgage lender is using to set my rate. Apparently I have to have my own confirmation number.

According to FICO Equifax has a Verizon Wireless account open under my name, that belonged to my ex husband, and was charged-off in a bankruptcy of mine in 2004. This mistake has been lowering my credit score significantly! I am trying to buy a house for my family, and because Equifax cannot seem to fix THEIR mistake I am having a hard time getting a loan now. My score has dropped 31 points in one month! When I talk to Equifax (which was 4 times on 6/5/06) they blame the mistake on FICO, FICO says it isn't possible because all they do is pull there information directly from Equifax.

I have tried on numerous ocassions to get credit reports for my self and my husband online and was advised i am unable to get my report online that i would get it in the mail and still have not received it but when i try to call they said i received my free credit report for the year. Same situation with my husband.

Last month, I received a letter from my mortgage company that customer information in their possession was lost and my personal information could be compromised. They recommended that I put a fraud alert on my credit accounts. I tried to put a 90 day credit alert on my account (which I had successfully done online last year) using the phone number on the Equifax website and I was denied three times. I called the Customer Service number at (1-866-640-2273) and, after waiting on hold for 30 minutes, spoke to Curtis (x31592). I told him I wanted the credit alert on my account. I gave him the information requested (SSN, Address, etc.) as well as telling him I was very disappointed with Equirax Customer Service.

I have been trying to get equifax to remove a security freeze that is on my information. I requested the freeze 10 years ago. I have not had any problems until about 8 months ago when I started getting turned down for simple credit requests. So I called to cancel the freeze and the machines I talked to were not cooperative. I then wrote them. They wrote me back a form letter telling me that I needed to give them the 10-digit code that they supposedly furnished to me 10 years earlier. I’ve since written them explaining that I have no code and to, by all means, cancel the freeze. I’ve just received from them the same form letter with the same request of the all powerful 10 digit code.

I was denied credit because equifax was not listing any current accounts but only the old negative ones. I tried accessing their website to dispute but it was not working. I finally did dispute and was told it was corrected. I was recently deinied credit again because they did NOT remove the tiems they indicated would be removed.

I did dispute an address on my credit report. They stated on 2 letters now that it has been deleted, but it is still listed. I also requested an investigation as to why this was on my report, they inturn did not furnish me with this information.

I have been locked out of my account, and, can no longer access it thru the internet. They sent me an email stating that someone has been trying to get into my account, and if it was me, then call the number. I called the number, only you never speak to a live representative... I've tried for two days now, and have spent well over 3 hours on the phone waiting. I never get a response from sending email either.

I filed bankruptcy, it was discharged 10/2003. Equifax refused to show it on my credit report, they said get an attorney. Hello? i can not afford it and they are causing me grief. I'm trying to get back on track and every time I turn around they are there sticking it to me.