Equifax Reviews

Equifax has a problem. Years ago I had their service without any issues, but for the past 6 months I have been trying to set up a new password. I have talked to their customer service and can NEVER seem to get the issue resolved. They ask endless questions about my past credit history, where I lived, old phone numbers, etc, but their information seems to be really out of date. I think they pretend they have up to date information but in reality they do not. It should be this hard to verify my identity.

On 6/29/25, my computer stopped working properly, I finally got it fixed and tried to lift a freeze from Equifax on my account and I could not log in. I went through their verification process by taking a selfie and uploading my driver's license and that did not work. On 6/30/25, I contacted them again and did the same thing with them over the phone. Once again, they could not verify my identity even with having my driver's license and selfie. Now, the only way I can get this fixed is to mail a letter to them with ONCE AGAIN a copy of my Driver's license. This company is the worst credit bureau I've ever dealt with! They DO NOT HELP YOU! Problem is they really don't care! They should all be fired and the bureau dissolved!

They signed up for a $40/month plan to separate my credit file with my spouse. After charging $40/month for 4 months, finally they separated our credit files. There was no option to unsubscribe online, so I had to contact support. The live chat told me cancellation is only possible by phone. When I called, the agent asked for all the info to verify my identity, they refused to do so as my wife wasn't with me that time. I said I just wanted to cancel my subscription. This company is very frustrating and looting all the money from the customers based on the subscription plans and they don't cancel the subscriptions!

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I signed up for a $30/month plan with Equifax Canada and tried to cancel after one month. There was no option to unsubscribe online, so I had to contact support. The live chat told me cancellation is only possible by phone. When I called, the agent asked for my SIN to verify my identity, which I refused to give. I provided my account number and name, but then he also asked for my email and phone number. I felt uncomfortable and said I just wanted to cancel my subscription.

Greedy company, even after going through a data breach they believe 5 dollars is all their customers are worth. 🙄 They have no dignity or morals but I'm sure it’s a reflection of their own person and families yet can’t expect much of of unethical people to do right for their customers.

This company is ripping off its clients. I managed to open Equifax CompleteTM Premier account, but it took me an hour over the phone. Then they have charged my credit card immediately with 26.20 CAD for the first month of service, but I can not sign in into my account! I have tried multiple times calling them and asking for the support, nothing changed. I still can not reach my account. And the operators on their side of the line keep telling me that the problem is “on my side not theirs”.

I have been told every time I call that my request will be rushed and put through quickly as I am trying to buy a house and have my credit corrected. It has been 18 days and to me that is not rushed. I have also asked what the process is and not one person could tell me. They just read off of a script and have not been properly trained. Deadlines are not a priority and they have zero consideration for people's situations. The phone system is also terrible as they cut in and out and most of the time it is mid sentence.

I filed a dispute with Equifax regarding an account Verizon claimed was delinquent, even though I provided documents clearly showing the equipment had been returned and the charges were in error. Equifax still ruled in Verizon’s favor — without offering any explanation. It’s extremely frustrating that I even had to go through this process. The documents I submitted made the situation clear, yet they were either ignored or not properly reviewed. Consumers rely on these agencies to ensure accuracy, but Equifax failed to uphold that responsibility. This experience has left me questioning the fairness and reliability of their dispute process.

I have been unable to access my Equifax account Online for over 2 months. When you call customer service you have to 'dodge' the pitfall of having the prompter send you to the password update sequence. Then, after 10 minutes of pressing buttons and providing info, they put you on hold for another 10 minutes. When you finally get an Agent and convince them you really have a problem, they escalate it to Technical Support...who will call you back sometime in the next week!!. These guys are really slipshod!! I have TransUnion and Experian and never have issues like I have with these guys!

The absolute worst. I wish there were an option for 0 stars. I had a consumer proposal closed in 2022 and received a discharge letter as well as a list outlining the creditors included in the consumer proposal. I have created numerous online disputes to have the issue resolved and submitted the discharge letters, IDs and all related documents, yet the Equifax report keeps reporting an ongoing current balance. On April 3, 2025 I called yet again and provided my ticket submission number, the representative promised the information was updated on their end and that I should see the correction within 24hrs. So either there's a glitch in their system, or they simply just don't care as it doesn't affect them.

Worst company ever. I had put a fraud alert on my account during Covid. 5 years later, when I was selling my property the escrow company's online notary wanted to authenticate me thru Equifax's question and answer system and they could not because of the freeze I, myself, had put on my account. In order to lift off the fraud alert I had put on my file, I supplied them all the information, ID documentation etc and kept on calling them every single day at least 4 times asking the status of my file and all I heard was that it takes 5 to 30 business days to process my request. But why????

I needed to remove a fraud alert, as federal student loans take way longer with one active...I was able to do two of the three credit reporting agencies online...but Equifax has you call a toll free number...which is in India...and took probably ten tries to reach a live person...who I could hardly understand, not just because of accent but a lot of static on her end....the call took half hour, and finally she said she was sending confirmation number, which I never received...I asked her for the number, which I had to have her repeat several times....Then, she kept saying since I had it removed my ss number would more than likely be compromised...I mean....wow...and that I needed to subscribe to Equifax paid subscription...etc.

It was easy to pay for their service, but when it comes to cancellation....They ask you so many questions to verify you are the right person like current address, date of birth, SIN number, email address, then 2 banks that you bank with and the credit limit amount... I just want to cancel my service!!! Then they started offering me cheaper services....

0 customer support via email/0 path to talking to a real person on the phone so if you get an alert there is nothing you can check anyway. Completely useless. Just an endless automated system designed to make you lose so much time you will give up.

All 3 agencies are bad, but Equifax is by far the worst. Rarely can I access my account to verify info, dispute anything or check the freeze status. Trying to get support is a joke. If you DO get anyone, they tell you the same thing... there is nothing they can do to help, a complete waste of time. How can we SHUT THEM DOWN?

The absolute worst. I mean the worst credit reporting system ever invented. Do not sue them. Close them down. This is the problem with our government is too scared to close down a system that's not working. Equifax and even sometimes Transunion does its job. Equifax NEVER. I mean NEVER does it's job. If a debt collector falsely enters information on your credit report and it gets removed they will allow that same creditor to enter on your report again then if you go to dispute it again they will give a message stating you can't dispute it because a dispute has already been filed before. Again I say what is the purpose of having three companies reporting information that should be the same especially when the people are constantly telling you this one in particular is not working.

I too have been driven crazy by calling and getting hung up one and sent into an infinite circle with the AI phone lady.. But guess what. I don't care!!! 5 stars service. I did get through in the end by selecting ‘buy new service”. Lol

Credit score dropped 47 points in one month - only negative was no mortgage on file. It's been on file before, they lost it. Tried to log in to the site, keep getting the call us option. Called, on hold 24 minutes - the person that answered sounded like he was in a loud room, he asked me to verify everything but my dog THEN he asked me to send him a copy of my driver's license or passport. WTH? Sounds like a perfect scam for identity theft. Filing a complaint with the feds, this credit reporting agency should be closed for misconduct, fraud, abuse of authority, and identity theft.

When I try to login into the freeze and lock system it gives an error message and instructs me to call them. Of course they instantly put me on hold while simultaneously telling me how important of a customer I am and how call volume is bad, lol. I'm guessing I'd have to sit on hold for hours then I'd get an agent from lala land who barely speaks English. This problem seems to be extremely common. All you have to do is Google "can't login to Equifax" and you suddenly realize that this problem is all too common.

Even in 2025, Equifax is pure garbage, online and on the phone! They cannot help you, as they don't know what they are doing. Everything they tell you to do, does not work at all. DO NOT WASTE YOUR TIME!!!

Equifax is the most deceitful, incompetent, dishonest, and corrupt company that I have ever dealt with in my 40 years of working with businesses throughout the country. I would give them a rating of -0 if it was an option. Do not pay this company a penny for anything, as they will take advantage of you once they have your credit card number and continue to charge you for things you did not authorize. When you try to call and get a person it takes over 1/2 hour to get through to someone and the incompetence on the other end doesn’t even begin to explain the lack of no service I received. The result… Nothing was resolved and I was still charged for something I did not authorize and the only recourse I have is to file a billing dispute with my bank. Equifax takes no responsibility in this matter and refused to give me a refund for a charge I did not authorize. They are fraudulent schemers, so be careful if you do business with them.

Have spent several hours trying to get through to Equifax by phone. I get disconnected after answering all their security questions and waiting patiently for a representative. Have no problems with the two other major credit bureaus.

I had my identity stolen. All information was submitted as they requested. They stated they never received the information after multiple calls and no resolution to the issues despite all banks involved, FTC, and other credit agencies resolving the issues on their end.

This Credit Bureau needs to stop trying to pull some angle as to why they can't help you, even after giving them all they asked for. No telling where your call is being forwarded to, any suggestions to have this looked into??!!!

Trash and garbage website..You login with the right credentials and it kicks you out..This company needs to be done..If I had to pay for these services..I would want a full refund..At least Experian gives you a way better solution to handle business.

Equifax doesn't answer the phone. I froze access to my account because of potential fraud, then 2 years later applied for a new credit card. The credit card company was unable to process my request without checking my credit with Equifax. I spent an hour on the phone waiting for an agent who directed me to reset my password. Their application failed to operate. The agent had no suggestions. Equifax is holding me hostage. I intend to visit them in person as my only recourse. My assessment: Equifax stinks.

The worst customer service experience of my 50 years. You can tell when a company knows they are above the law when the employees raise their voices at you, jeer, laugh all on separate occasions, and tell you to call back if you want to talk to a supervisor or someone else ...while laughing. They told me they can't see what I see on my credit report and say there really isn't anything I can do to remove the inaccurate item from my report. I had to escalate it to the **and then the attorney general if that doesn't work. Unfortunately, I can't afford an attorney right now.

Equifax is nothing more than a ripoff! Their headquarters in Atlanta Georgia of who you have to send sensitive information to in order to prove your identity and address was pointless! I still was able to obtain access to have my Equifax Credit Report online nor dispute all of the fraudulent information on my Equifax Credit Report, as well as speak to knowledgeable people at Equifax! My Experian and TransUnion Credit Reports shows 700, but Equifax shows 628! Make it make sense Equifax! What type of employees are working for your company Equifax, that have caused such havoc with consumers' personal yet sensitive information?

These people don't speak English well. They took 19.95 off my credit card. I don't want anything from you but to go away. I'm calling the Trades Commission and BBBh and Consumer Credit today. I've asked you to leave me alone with 20 phone calls.

EQUIFAX makes it real hard to cancel, there's a charge for cancelation and that after they took my 29.99, this company is double ripoff. Don't subscribe to none of them.. this will be my third attempt to cancel, but in the meantime, they are still charging me... bad business.

I don't know if the three credit bureaus are regulated in any way by the government but they should be. At least Equifax should be. My credit report SHOULD be updated every 30 days. I'm pretty sure when I do something to downgrade it, it is posted immediately. But pay off a credit card so you can better your score oh no that takes 90 days to get posted. At least that's what I was told by someone in the Philippines. And of course it's the bank's fault. Except I called the bank, they said they report every 30 days. I wonder who's LYING?? It's not the bank.

Equifax is one of the worst companies on the planet. They leaked my information and since then I have experienced a massive amount of identity theft. When it comes to repairing credit, they promised in the settlement a point person to help resolve and restore my credit. They purposely make this impossible to take advantage of. See the website here: **.

Spoke to Fred to ask why I couldn’t access Equifax, he was disrespectful and rude, kept doing it throughout the call, he told me my wrong birthday and I corrected him, he said that’s not what we have nor does any of your creditors, I felt he wasn’t telling the truth, he said this is probably why you can’t access your account. He gave me a list of things I had to do in order to fix this, I asked if the person that changed my birthday had to do the same thing, he wouldn’t answer. I honestly think he gave me the list of things to do because he enjoys annoying customers and he gave me the wrong birthday so that I would think I had to do something unnecessary.

They force you to call customer service and wait on hold in order to cancel your subscription. The service doesn't provide anything worth the cost. Customer service is rude. I'd give them a zero if I could, this company only exists to gouge consumers.

I am unable to get into my account. It said to call a number which I did. I waited for 10 minutes with the most God-awful crazy-making music ever! Then, spoke to an agent to recover my account for 30 min. He asked for SS, address, DOB, name, phone, etc. Should have been easily verifiable...but NOPE. Then wanted a copy of my DL which I said NO!!!! Then he attempted to verify another way and told me he could NOT! (IT IS ME!!!). Then, said his system went down and said to call back in 15 which I did. I got a virtual agent to try to reset my account and was also unable to verify it is me (IT IS ME!!!) and transferred me on hold for an agent where I waited and waited and hung up!!!! Imagine if you had identity theft and needed to speak to someone at Equifax and couldn't! And...they had a data breach to boot which is probably why they are making this so difficult! Totally frustrated and disgusted.

I wanted one report, but they are very underhanded in signing you up for monthly billing! They will not let you cancel your account. I needed to change my credit card information to stop the monthly fees that were racking up. DO NOT USE EQUIFAX!!!

I can’t even log into my account to access my information, I can’t even talk to a person. The only credit bureau that has been giving me trouble logging in. Saying it can’t verify my identity but who the hell else am I supposed to be if I provided all my information. They're asking me questions that aren’t even in my other reports as if I am going to know the answer.

When I tried to reset my password. I got a message saying "IF YOU HAVE A VALID EMAIL ADDRESS WE SENT YOU A LINK." Well, I checked my Email account and there was NO LINK, even after 15 minutes. I tried creating a new account and I got a message saying "There is already an account tied to this email."

They do not allow you to obtain a PDF of your credit report. So this service is 100%, absolutely, completely useless in every single way if you need to give your credit report to someone. You can’t even try printing the web pages because they don’t give you everything you need on one page. Absolutely morons designed this system.