Equifax Reviews

They are taking the benefit to scare people about their credit or financial reports. When people are stressed, they offer monthly plans to get out of their stress. If people do not accept their offers to pay them monthly. They put them in trouble i.e. putting the wrong information into their account or putting it in their file for inquiry. It's all going to harass the people.

Despite reaching out to Equifax for assistance with a credit-related issue, their customer support was shockingly unhelpful. It seemed like the representatives were either poorly trained or simply uninterested in resolving customer concerns. I encountered a complete lack of communication and responsiveness, making it nearly impossible to get a straight answer or any assistance with my credit problem. It's disheartening when a company, especially one dealing with such crucial financial matters, fails to prioritize effective customer support.

I had a very terrible experience speaking with a "Supervisor" after speaking with an agent. Today at 12:25 p.m. The manager's tone was curt and rude, after the discovering the misspelling on my information was the fault of an agent. He then started trying to gaslight me telling me that the mistake was made because of me, lied and said they didn't received my documents and that nothing was sent even though the agent already confirmed it was received and I had confirmation of the sending and delivery, telling me not to point fingers at them, after telling me that he cannot control how I feel about the issue.

I was having an issue with a customer service representative, who didn’t want to help me file a dispute properly. I very calmly asked for a supervisor and she put me on hold for about 20 minutes then came back and said, "There’s no supervisors working right now." That’s the craziest experience I think I’ve ever had from a company that should be so reputable for telling the truth such as them.

I am attempting to finance an HVAC unit through Alabama Power Smart Financing. I received an instant rejection notification....WHY? I contacted Equifax and was told that there was a hold on the account. That was removed, we ran it again. It still looked like I had a freeze on the account. I did not. This went on all last week. Finally got a representative from Smart Financing to contact Equifax. They explained that they couldn't see my credit report AT ALL. Palo from Equifax stated it had to be an error on their end and it would be fix within 24 hours. He would e-mail me when they had it corrected. LIE! I never heard from Palo and the situation hasn't changed. I call today and Stacy keeps talking to me as if I'm a child. Why is this so hard for them? Isn't this their job? I'm fed up. There needs to be a better system.

I am not understanding why is Equifax still in Business? They have breached and compromised credit. And why am I talking to someone over in the Philippines about my credit over in the United States? Can someone tell me why?

After 2.5 months (6 calls) and a complaint to the Better Business Bureau, Equifax has been unable to determine a root cause and resolution for me to manage my security freeze. The only response I receive is "We have escalated the problem". Customer Service is nonexistent.

Equifax's decision to disclose my personal information to individuals who subsequently opened accounts in my name is **deeply troubling**. What is even more **disconcerting** is that there seemed to be a lack of oversight, as no red flags were raised to these individuals, despite the fact that they has already open a First Premier Bank credit cards in my name. 3 capital one cards In my name and many other accounts.

In November 2021 my family and left Canada for 5 months during which my credit took a beating. Within ten months I became debt-free and during that time I had no missing or late payments. Early 2023 I lost 10 points for no reason, so I called Equifax and not too long afterwards my points were restored. Mid 2023, I lost 10 points again and so I called, only to be told that I lost the points because I didn't use my credit card for one month. I was upset and told him that that doesn't make sense. He told me if I don't want to lose credit score I need to use my credit card.

I received a letter from a bank saying my personal data had been accessed. The bank set me up with a complimentary Equifax account to monitor things. I went through all the sign up processes only to get a response that "We are temporarily unable to complete this request. Please try again later." I called in mid September to see how to fix this. The person in the other country couldn't figure it out and said they would escalate the matter and they would get back to me in 7 to 10 days. After 15 days and no news I tried to sign up again. Same error message. I called again and they saw I had been escalate a few weeks ago and we need to do it again. This company is a horribly managed rip off artisan. The overpaid board and management team should be fired and prosecuted for every commercial fraud crime on the book. Their competitors are no better. Total scam.

I applied for a home mortgage with US BANK, once the credit report was pulled the phone calls from other lenders began at 6 am NON STOP for two days!! I couldn't even attend other calls. I finally called my bank and was told that these agencies are so desperate for business that they are making money off selling consumer info!! Will not be ever using them in future.

I had called 5 times. The first 3 they hung up on me and the 4th time the lady said she couldn't do anything for me so I asked to speak to a supervisor and she transferred me to the French department where I was told in English he couldn't help me and I had to call back so I called back again and they hung up on me.

I called 18773259239 to get my 2018/2019 W2s. I was cut off before I finished the survey. Megan was super friendly, thorough, professional and pleasant. I just wanted to compliment and praise her. 12:58 pm today was when we spoke. It was the easiest customer service experience I have ever had, she explained instructions very clear and directly and resolved a very difficult situation in minutes. Thank you Megan! You made my day so much easier and I appreciate it so so much.

Why is this sham of a company still in business in this country?? THEY DO NOTHING BUT SCAM PEOPLE FOR MONEY!!! Both other credit bureaus fixed a mistake dip in my score. This sham of a company does nothing unless you pay them a bunch of money!! I submitted multiple disputes with supporting docs and they literally have a robot that responds to all disputes with a generic letter DOING NOTHING TO ADDRESS THE ACTUAL DISPUTE then it says “dispute closed” within 24 hrs!!! They give no explanation and do nothing to address the issues! It is an absolute joke!! The call center is not in America. It’s in a 3rd world country!!. The reps & supervisors don’t speak English. There’s no point of contact in America!! No accountability whatsoever!! WHAT A SHAM THIS COUNTRY IS TURNING OUT TO BE!

This company is located in the US with a call center in the Philippines. How is Canadian Data allowed to be accessed across the world. Secondly I was as of today a Equifax customer Since April 15th 2023 I am asking them to fix errors which they have not. They took my money for service and did not provide it. This is fraud.

I have always maintained a credit score of around 765. Credit karma notified me that my score changed. It only changed with Equifax. It somehow dropped from 764 to 698. The reason they gave me was that my mortgage account had closed. This is NOT true!!! I double checked with my credit union whom I have the mortgage with and they were as confused as I was! It is not closed. How on earth did equifax acquire this misinformation??? Transunion did not have this misinformation and my score with them is still 764. I am furious and want to know where they received this misinformation or did they make it up to try and bait me into some plan with them where I pay to have my credit “improved”??? This is such ** and someone needs to call them out on it!!!

They never sent the password reset email even after I waited 45 minutes SMH. And credit shouldn't matter for getting internet service. The credit system is a fiasco that's run by the credit report mafia.

I paid off my car loan and my cards and apparently they won't up your credit score when you pay your stuff off. How does that make any sense? Scam other people to raise their credit score. Don't pay them.

As most people know. Negative impacts on your credit, like a collection etc usually last 7 to 10 years. You dispute them, but some way or somehow Equifax don't do their job in deleting anything, or updating anything. In fact, they are lazy and their "investigation" you still owe for something is sooo old like 10 years and 2 months for 1 collection. If I was to be able to give 0 ⭐ I would have.

So I get a credit pull and the company tells me, "Hey you have a negative report for a company on Equifax." I disputed this item, wait 40 days and nothing so I call them. Mind you they go through extensive measures to get you verified to give you your own information. So I call in 3 times to speak to 3 different supervisors. So I say, "Hey this is fraudulent. This shouldn’t be on my account." They all say, "The only thing we can do is dispute this item and you have to call them to get it removed." So I call them. They said they don’t have any signed documents so they have to remove the item on my account. So I tell them, "Yes I’ve already called and disputed the item." They told me they do not have any signature of mine or court documents so they removed all my information from their system. Is there any way you can call them to confirm this so they said they have to receive a letter from them.

My credit card expired and I DID NOT provide Equifax with my new one as I wanted to cancel the subscription anyway. They charged me 6 months worth without authorization and claimed a family member "must've used my information to purchase Equifax", or "my identity is compromised". No answers were given except to send all MY information to them so they could investigate. I just want to know how they got my new card number for this subscription and not my other subscription. I do not trust Equifax.

I have purchased Equifax Complete Premier for my cousin on 5/2/2023. I did ask service rep. (all are offshore) if I could use my credit card to pay for it. The rep. said "no problem". As it turned out the rep. made a mistake and assigned Equifax Complete Premier protection to my account, which is not what I asked for. So, I call the next day to cancel protection due to their error. It turns out I have to pay $19.95 for one month, because Equifax rep. made a mistake and they do not make refunds under any circumstances. Hey, it's a living and it does not matter how they make their money. Right?

Citibank refused me with a credit card due to Equifax report. I order copy from them. few mistakes! They have 1 extra letter in my name, middle initial (I don't have it) and my birthday shows 73 years old (even I'm 60) and, lastly, my birthday is ** (making me the oldest person in a world). How come such company can be in business to provide credit reports, fico score and other info to creditors??? What a shame!!! The c/s speak very poor english (he was, probably, from Vietnam or Philippines, in order for company to save on the salary expenses). He don't see my birthday at his file at all. Really? When asked about VintageScore reason codes (ie 34, 39, 63, 66) he can't understand and explain it. Don't use Equifax or pay them any monthly fees, since they are not prudent and allow mistakes in reports, which may be one of the reason to provide credit to consumer. Who want to credit 123 years old person?

I tried to remove the security freeze from my daughter's account (after being advised by one of their staff to place it) and after 3 long phone calls, mailed them the required documentation, I was told that they can't do it...and that my minor child will have to do it when she grows up...The last straw was a letter they sent back asking to provide enlarged copies of US government issued documents because their "specialist" cannot read them...moreover after an hour and 5 minutes of being transferred from left to right I was told that they will not be able to remove the security hold because the law changed in the meantime...So people be aware before signing up with their services. I know for sure I am done with them...

Equifax requested additional information on my credit file. Completing the request, Equifax assured me the merge file issue was resolved. It remains incomplete. Equifax is a completely incompetent failure.

I am an Equifax member and have been paying monthly to Equifax for 20 + years. Every two or three years I go online to Equifax to log in to get my credit report and I am unable to obtain any credit report. I can only obtain my fico score. I then called Equifax on 4-17-2023 @ 5:42 pm EST to report my problem and had to answer all their required security questions and then get put on hold and then disconnected. It took 3 calls and 54 minutes to get a person to speak with at Equifax to report my problem. I was told by the Equifax Operator ID # X1S that Equifax would be in touch with me in 10 days about my problem via email.

I signed up for monitoring because my wallet was stolen. Equifax was decent enough, had good interface, and helped me understand my score. But I find it's stupid that you really need to get a TransUnion account and an Equifax account to cover all your bases since credit bureaus use different one. My dissatisfaction with Equifax starts with the price which I find is high. After abut 10 months of monitoring I decided I was in clear for identity theft and wanted to cancel my account. However I couldn't do this online which pisses me off. They don't make cancelling easy. So I called in, and they made me jump through hoops to verify me, and then magically offered me a special deal for 50% for 12 months if I kept my account. This also left a bad taste in my month. Moral of the story: sign up then immediate call and pretend you want to cancel to get a heavy discount.

I used this service once and realized it is not worth the money so attempted to cancel it but had to wait until a later date considering I was working and they, of course, don't allow you to cancel online, you must call. Not even a full day after I was billed the ridiculous price for an average service (because I didn't have a chance to call before the billing date) I canceled my subscription and the agent on the phone tried keeping me a customer with a discounted price and also refused to give me a refund, before hanging up on me at the end of the call. Avoid at all costs, no different than Borrowell or Credit Karma which is free, only difference being they ripped me off money.

I have very bad experience with Equifax. They breach my identity information, and no one want to fix the problems. Ask to transfer me to manager and they never transfer me to. They never give you answer on your questions, Customer service put you on mute, pretend they don't hear me and just hang up on me. Service like that don't need to be managing people personal information. They need to go...

There was an Equifax data breach and a settlement offer was made above my level but the end result was me waiting about a year to get a check for $4. Really? My personal info is only worth $4? Not even worth the effort to cash the check.

With an almost perfect credit score, Equifax gave info totally erroneous and contradictory to the score which ended in denial of credit. No one via phone (who may not have even understood the problem because of a lack of the English language) could help, only pass the buck. Will be putting a block on Equifax so any more credit questions go to the other big credit companies.

I was locked out of my Equifax account because I hadn't logged in for a while. I tried to log in only because I received an alarming notification via email. I was unable to recover my account online. I finally got through to a live person via phone who (A) wasn't helpful (B) was quite rude. I had to switch browsers several times before I could recover my account. The process was time-consuming and stressful. I have had phone assistance from many companies and was always treated courteously and helpfully until now. This particular rep seemed to be lazy and uninformed. I had to solve the problem by myself.

I would like to say that I gave one star rating because a zero just didn't exist and zero is what they deserve. This company doesn't like to be put to work. I dispute several credit card accounts that were paid in full and instead of getting positive results for paying down approximately $9000 in credit card debt bringing my utilization down to 8% they decreased my score by 67 points for things that they had already penalized me for previously virtually penalizing me twice for the same previous things which can only be because I made them work. My advise is don't dispute things even if you're right. It won't go well for you!

I have always been very understanding with customer service reps, but Equifax is quite possibly the worst customer service and worst company I have ever dealt with!! I have been disputing 1 item on my report with them that was incorrect!! The other 2 bureaus removed it on the spot after a quick conversation! Not these people. They argue, ignore, and put you on hold till you have to hang up!! Absolutely zero professionalism, oh and don't tell them they made the mistake.... This is my #1 far worst company I have ever dealt with.

I have been arguing and disputing two inquiries on my Equifax credit report for months. I have confirmed with Citibank that the two inquiries on my credit were fraudulent credit card applications. One of credit Inquiry was added to my report when it was locked and had a fraud alert. The dispute function on their website in which Equifax says it will "investigate the inquiry" is useless and a SCAM. You get results within hours that states, "investigation has been concluded" with no change. No research has been done by Equifax or they would have removed them. I have contacted customer service many times with the same runaround and refusal to remove them. All I received was stress and frustration. My opinion is, EQUIFAX DOESN'T CARE!

I always thought all three credit bureau were basically the same. I was wrong. Equifax is in a class by itself. Unfortunately, it's at the bottom of the class. I had a reason to approach all three firm with a simple process. Two of them made it super easy on their websites. Equifax did not. I had to call, and the on-site listing which said I could connect to a live agent during business hours. (It was during those hours.) But the automated bot would not connect me, even after giving all the correct answers and receiving a security code. Eventually the automated system disconnected me. Fortunately, I don't pay anything to Equifax, but if I were a business, I would never pay a penny to use their services.

Called to speak to someone to get my credit report and had to do gymnastics just to possibly get to a live agent. It's ridiculous. We would like to talk to a live person and not a machine. Let's take it back to when companies actually talked to their clients.

Medicare was hacked and they sent a letter out letting their customers know this. They also arranged for one year of Equifax for free. Equifax is one of the entities that provide your credit score when asked. This way you can see if there is any activity on your accounts that should not be there. You are told that you have to go to the Equifax site and sign up for the free service. You are provided a code to enter for the free one year service. Unfortunately, if you use VPN like a lot of people do, you will not be able to sign up for the free Equifax service because they do not allow you to have VPN on. What is VPN, well it is a service you buy so you can protect your data and computer against any kind of hacking. It encrypts your data in and out. This is one of the best ways you can protect yourself against hackers. When I called Equifax to tell them about this they said write us a letter. I said forget it and did not sign up for their service.

They constantly advertise to sell their membership, or for you to apply for a loan or a new card through them to make money, Then they get hacked, and your information shows up on the Dark Web for sale. The other thing about Equifax that is bothering me is that I got a notification saying Between Dec 12, 2022, and Jan 11, 2023, the limit on your xyz FINANCIAL credit card increased. But Equifax reduced my score by 22 points when Transunion and Experian increased my score. I do not trust Equifax and am never, ever going to pay them a dime for their membership. Not Reliable. Not trustworthy.

Most strenuous trial cancellation process. Have to call a line that keeps you on phone for so long. So many information & documents required just to fulfill a cancellation that I should have been able to complete myself.

I paid down the balance of 2 credit cards of mine. TransUnion gave me 42 credit scores, but Equifax took 38 credit scores from me. Interestingly it says the reason they took 38 scores from me is the balance decreased by 2 credit cards. They admit that the balance is decreased, but they cannot explain why the credit score went down 38 points. They are just trash.

I paid for this service and then cancelled after 5 months. It took me about 30 min on the phone to cancel with their continuous delays and being put on hold, and the next month the charge was still there on my credit card. They make it so hard to cancel that you might hang up, and then they never cancelled it. Complete fraudsters and scumbags. I'm with RBC now and they give you a free credit report.

The Equifaxbreachsettlement lies and rips off people, you won't get what you filed for. They give you some virtual prepaid card worth $5.00, the biggest sleaze bags online, never trust them. They will steal your money

I was continuously charged 19.99 for 5 months after I cancelled and did not have access to the account. I called every month and they said I was cancelled but then I was charged again. They keep telling me a refund is under investigation… The absolute worst service!!

Victim of identify theft, Equifax doesn't set passcode. Not good and the theft has your information can request unfreeze your credit anytime. Equifax doesn't provide a secured protection on your personal data.

They used outdated information and it's nearly impossible to contact reliable customer service to get them to update addresses, paid off mortgages, etc. Their scores are always considerably lower than the other credit reporting companies. I have little debt and only 1 late payment in 20 years, yet they recommend getting more credit to increase your score - makes one wonder if they get kickbacks when people fall for applying for more credit cards when they don't need them. The dispute process is ridiculous. The reports they send are a mess, hard to read and confusing. It's mind boggling that any lending agency would use these idiots.

After reviewing my credit I decided to apply for a mortgage. The day they pulled my credit Equifax dropped my credit score by 40 points. After investigating it was absolutely for no reason. As my other credit reports reported lower balances on credit cards the reported highest balance. I then disputed it and a month later they fixed it. Raised my credit score then the next day dropped again 25 points because of a inquiry. They are complete trash. 700 plus on all my credit scores except them. They refuse to fix it.

I've made 8 attempts over a 2-month period to get my Equifax Credit Report. I've been on hold Many times, only to be told that my "issue will be elevated." Every time I attempt to log in, I am prompted with a pop-up message telling me to call the toll-free number. Every time I call back, Equifax "elevates my issue". After my issue is elevated, I am sent an email response (about a day later) from CUSTOMER.CARE@EQUIFAX.COM, that my "Issue has been resolved. Please log in." I am still UNABLE to log in and view my Credit Report!

I called to cancel my membership and they left me on hold for 50 minutes and then never came back, Just redirected me to the original call center. What a horrible experience and what a horrible way to treat other humans, this planet doesn’t need more stuff like this.

Equifax call center in Philippines, a representative name Marvin, employee ID #**, who was so unprofessional and unacceptable!!!! He asked my full name, but Equifax system somehow mixed up my first and last name around! He ended up unable to verify my ID and got mad. I started to offer my first name & last name, but he stopped me and said, "I asked for your FULL NAME, I didn't ask for your first or last name..!" I explained in the US, we preferred first & last name separately to avoid any confusion. He said, "I'm in Philippines not in America..!" He should follow his client (Equifax) customer culture and should never project his own culture (Philippine) to the North American customers and that was a basic mistake on him!

I have a membership with Equifax, my personal and credit history on line is about six years out of date. Tried calling four times, can't speak to any person. I was denied loan because of out-of-date information and I have a very high credit score. Absolutely total waste of my money and honestly I cannot see how this is even legal for any company to do, charge me for an out-of-date credit history and one cannot get it corrected.

Been fighting with Equifax for almost a year to fix incorrect information. Been nothing but issue after issue with them. Barely can speak to someone that doesn't have broken English. They don't read very well reading off their computers until you get rude. Then if you asked to speak to a supervisor they say there isn't one. Are you kidding me, this is a credit agency.

I called customer service because my credit dropped 85 points because "my balance decreased by 9 bucks" on my Chime credit card, it's a prepaid card so how does this happen! Guy said it's not them. Its Credit Karma. When I asked to talk to a supervisor he argued with me then muted the phone while refusing to connect me with a supervisor! Worst customer service ever.

I was forced to use Equifax due to the company I was working for had it as their credit report. Useless report that is accessed from an error prone system which kicks you out with no warning or advice except - "try again". Then, when you get your monthly invoice, you find you have been CHARGED $7+ for each "error". I contacted equifax about this and the "researched" my claim. They said I "ordered incorrectly" and they would only give me a credit for $59 for the $198. OVERCHARGE. That, in a nutshell, is equifax. You do what THEY want, they WILL NOT DO A THING for you.

6 calls spanning over 2 months, sent in mail, countless phone calls, and hours on hold!!! Imagine how aggravated one must be to actually write a review on Equifax. I hope their 3rd world country call center burns to the ground!!!!

Old apartment building charged us 2 years after we moved out. Never told us. Sent it straight to creditor. Filed a dispute over 3 times and after confirmations received. All other credit bureaus agree charges are wrong, Equifax kept rejecting our dispute. Finally found out their systems aren’t receiving documents after months of attempts to complete dispute. Claims aren’t being investigated with documents and not timely per their own employee. Then claimed we have to do more to file disputes other ways. Why when they claim to have an online tool? Won’t offer alternative upload like secure email. Won’t update the disputes, asked for government ID (not related at all to the case or charges and they know who I am). Told me to deal the apt myself which I have through an attorney and keep trying to show this with uploading a document. Then the guy laughed at me.

Hello, it is very hard to get a hold of someone at Equifax, I am always on hold for hours for something simple that I need. This is a matter of importance. My mortgage company needs me to get in contact with this entity that does not pick up the phone, leaves us on hold.

45 minutes to try to update my address that ONLY Equifax seems to have wrong. My bank, credit cards, driver's license, etc have all been correct for 3 years. Equifax says it is my responsibility to TELL them my new address. Good grief.

I ordered the product for $19.99/m which they charged and it was all good. I wanted to print my credit report and there was no link. When I called and waited for 35 minutes, a rep put me on mute and never came back. Redialed and I was told they no longer have the link to print anymore and Rep admit he gets a lot of calls from upset customers for same issue.

They ask about a dozen skill testing questions. Like what was your phone number 10 years ago. Etc. and if your current phone number doesn't match the number they have in their system they won't let you cancel your account. They will however continue to charge your credit card against your wishes. The whole basis of this company is fake. Pay them to get a fake credit score. Go into any mortgage broker and get him to pull up your credit score. It's not going to look anything like Equifax's score. It's fake! Save your money. Use Transunion or a free credit report like Credit Karma. Oh and when you want to talk to someone. You'll be stuck in the metaverse for about 20 min before you get to talk to someone (from Manila, Philippines). If the company can't pay its staff in Canadian Dollars and provide jobs for Canadians, they don't deserve our Canadian money. Please Save Your Money and don't fall for this Scam.

There are many prompts to get past the robot and connected to an actual representative. Representatives ask many questions, often ones the robot has already asked. I just wanted my name changed. They said it can't be done over the phone, by email, or even fax! I have to write a letter, attach 3 different documents and mail it to them. It takes months to take effect IF they approve. I just want lenders to be able to see my score is good, that's it!

My mother passed away & Equifax took the next year payment afterwards. When trying to get corrected, they gave a partial refund, but not all of it, and 6 months of long wait-on-hold calls to try to get it fully refunded didn't work, even though each call promised a correction or call back, and none came. Very dishonourable to keep money from the estate of an elderly woman.

I disputed several accounts that weren't mine. It took me forever to reach on phone to tell them my birthday was wrong. Worst website ever. It tells you to download document and then won't let you. Their dispute process is crap. Why don't they have to show documentation of negative accounts. Nothing is ever updated on their credit reports.

This credit reporting co should be shut down by the gov. These people are always lowballing people's credit scores when the other 2 agencies are much much higher. Please call your senator and tell them to put these scammers out of business!!!

They haven't updated my credit score in months on Credit Karma. So I called their customer service but the people there were useless, rude with broken English. All they kept doing was try to get me to sign up for a membership on their website even though there's a free option but when I tried to sign up for that, it just denied me. This is the only credit bureau I have issues with. I just wanna know my freaking score man, it shouldn't be this difficult. TransUnion and Experian don't do this.

This is the worst customer service I have been to. They want me to verify my identity over the phone and send a letter to prove that it was me. Their link is ALSO not working and they blame the client for this.

I called to cancel my subscription after it was obvious that they were not going to be able to help me solve an incorrect billing. I was offered to pay half price for the same service, told not to worry they were going to give me a free month, but had to specifically ask that it be canceled for the 4th time before he stopped reading the script and would confirm the cancelation. How can so many negative reviews still leave Equifax with a 3.7 approval rating? Can you spell P A R T N E R?

Been fighting with Equifax for almost a year to fix incorrect information. Been nothing but issue after issue with them. Barely ever speak to someone that doesn't have broken English. They don't stop talking well reading off their computers until you get rude. Then if asked to speak to a supervisor they say there isn't one. Are you kidding me, this is a credit agency. I sent business letters requesting the information be corrected. I contacted said account and even they are unresponsive to my request. Finally I contacted Consumer Financial Protection Bureau and waiting to hear back.

Equifax has deleted my credit file. No history of anything other than name and address. No score. Nothing. They’ve done this in the middle of building a home. I’ve spoken to 75 people. They’ve outsourced all customer service to Asia. They have no idea what they’re doing or care. They read from a script. I explain my situation about my 30 years of information being removed and they state because I’ve never applied for credit. It’s like talking to a robot that missing the algorithm. They used to be the best of the 3 credit bureaus. Now they’re the worst of anything I’ve ever dealt with. For 10 years I worked in finance and credit repair. I’ve been out of that industry for a few years, since then everything has changed. No amount of money would be worth dealing with them again.

Only signed up because I was trying to buy a cell phone that required a credit check and they said that Equifax denied my credit - some sort of error came up. What?! I have amazing credit! Just for a cell phone? So I signed up and saw nothing out of the ordinary, except for a company that was listed as an open account that had been closed over a year ago. I decided I had to phone them to get some clarification, and they said that it was because they just hadn't updated the payments, so it was just a technical error on their part that made it look like my credit wasn't acceptable. WHAT?! So I was denied credit for a cell phone because of their error.

I've subscribed to Equifax and TransUnion for several years now. I figure it's the best way to keep track of my credit score and security. Equifax has repeatedly locked me out of my account, uses tracking on its website that are so onerous that it locks out ANY browser or personal computer that is not completely unsecured. I will not turn off my firewall, anti-virus just to use this service. It's absurd. This service that claims to have my security in mind, demands that I turn it all off, just to use the service. How does this make sense? They refuse to reimburse me for the several months they've locked me out and can't seem to figure out why or how it's happening.

Equifax complete was purchased which includes a secondary family member to also join. From day one they were not able to use the product, even after multiple phone calls. Then Equifax updated their online website and I was then not able to log in, getting a message that my information was not correct. Multiple phone calls later there was no solution for me. I’ve finally cancelled after wasting a few hundred dollars and my time.

Their customer service agents are so incompetent and have no idea of what they are doing, they will place you on a long hold. Keep telling you to call back. You will keep calling back for a year and all they do is escalate with no resolution! I am very disappointed with Equifax Canada, it’s unfortunate that they don't care about anything but to charge you. Very useless company!

I am not putting down the person just doing their job at all, they were very respectful. The company however is ridiculous. It took about 3 minutes to make an Equifax account. To cancel it however took more than an hour, requiring way more info than I needed to make the account, which is a shamelessly obvious attempt at making more money by making it hard to cancel your subscription.

I had a collection and disputed it on all the credit companies. They all deleted after dispute and Equifax result was item deleted but I still see it. It's not accurate info and equifax still holds it as unpaid. It just hurts my credit and I wanna rent a house. This really suck!

Equifax is not reporting 3 of my revolving credit card accounts with exceptional credit payment history. I contacted the credit card companies, all in which state that they report to Equifax in addition to Experian and Transunion. I have purchased Equifax's premium membership and I am still unable to get a live representative on the phone despite calling 888-378-4329. Every step that I takes via the phone continues to send me round and round to more options without a live agent to assist. There is an 80 point difference on my credit report with Equifax and the other credit bureaus.

I tried to logging in and the system said you don't have an account. Please register. I register to which the system said "you already have an account" and re-routes me to the login page to which I enter my credentials to which it says "sorry, you don't have an account" and there is NO option for password re-sent. What kind of system is this? Not even a telephone number to call? Yet, when I want to buy a package, lots of options! Everyone, go to Credit Karma - the user face is so much friendlier and you literally get your credit score in about 3 or 4 clicks.

I have been keeping up on my credit report due to being the victim of identity theft. I have now recorded a number of instances where Equifax has given my credit information to people or companies I did not authorize and do not have accounts with. I contacted their privacy office to file a complaint and they refused telling me to just call the call center but I can't get anyone on the phone. I also found out they had multiple incorrect phone numbers listed under my name and they have not corrected the issue.

They won't remove an inquiry from an account I didn't open. They wouldn't do it from when I submitted a dispute online, so I called and they told me I need to contact Citi to request that they send Equifax documentation. I did that. I got a letter from Citi saying that they sent Equifax the documentation. It says that it may take a while to reflect on my report. A few months later still not removed. I call Equifax they say they don't have documentation. I call Citi and because the fraudulent account was closed and it's been so long, they now no longer have any record of the account. Yet, Equifax kept telling me that Citi needs to handle it even though I explained all this. Then they say I need to file a police report. Why would I file a police report on an account that was opened and closed last year?

After being a several year customer, Equifax has become almost impossible to deal with and the website has very limited access for its customers. Formerly I could add accounts and remove accounts to be monitored - Bank accounts, credit and debit cards. Now it appears all they care about is CREDIT matters. What about monitory ID theft, etc.?

This company will not stop charging my credit card even though I have canceled my subscription. I have been calling monthly about this for a year now, wasted hours on the phone, spoke with supervisors, etc. Unbelievable. Never again using this company.

I paid my car off and they took off 3 points from credit score, that is totally backwards if you ask me, just don't make any kind of sense....What in the world is going on here? Someone please help this company.

Equifax should no longer be allowed to hold people's credit. Every time I try to unlock my credit freeze, forces me to call them and spend two hours on the phone. Every single time is the same. People have no choice but to go through this because business use Equifax for credit scores; this should not be this way.

Horrible experience with Equifax. I have an excellent credit rating and my score dropped 30 points overnight beginning of January apparently because I haven’t used a 1,000 dollar credit card. I called 2 weeks ago and spoke to an agent who escalated the concern as she had a good understanding and couldn’t see why the score would have dropped. I then followed up today and was treated horribly by three separate agents who read from a script and didn’t have any customer service. This was inclusive of a supervisor who didn’t listen to my concerns. I requested a call back from the supervisor confirming they listen to my initial call when my concern was escalated (by a helpful agent). Very poor service. Certainly wouldn’t ever pay for it. Receiving free right now due to breach of information.

Customer service is awful, inconsistent and uninformed. It seems they all read from a script. Supervisors are of no help as well. My credit report was frozen due to no fault of my own, yet I'm being negatively affected by it. It's impossible to handle it via online or by phone if you can't prove who you are. Their record keeping department is an absolute joke. For an institution as vital as they are to the individual's day to day functioning, you'd think they'd have a system in place to verify identity rather easily. In comparison, TransUnion and Experian rarely have any issues. Faxing or mailing social security cards and Identification is cumbersome and dangerous yet it's the only method available if they claim your Identification is in question. Even still, fax and mail often avail nothing. I'm totally frustrated that a simple task like renting an apartment is hindered due to this bureau's incompetence.

On 1/3/22, Equifax dropped my credit score by 67 points for no reason. I’ve never been late on a payment in my life, literally nothing changed and they did this. This company needs to be investigated immediately.

Equifax dropped my credit score substantially low by 53 points for absolutely no reason and no explanation is shown as to why. Equifax is the worst and should be sued for these inaccurate inappropriate decisions on their behalf with my credit. This needs to be addressed immediately before any more damage to my credit is done.

I've been trying to correct errors on my credit bureau reports and keep hitting walls. I had surgery for a broken leg in 2020 and again in 2021. Bills were sent via email, then when I didn't see them they were sent to collections before I could pay. I explained the circumstances and paid them, and the collection company removed references to them.

I was a victim of identity theft and wanted to report it to the three credit agencies and while the other two were seamless Equifax was impossible to deal with! They want to see my ID to prove my identity and that is ok but then they wanted it in either a PDF or Tiff file and I found that to be a minor hassle but even navigation of their site has much to be desired. I put in my info four times because it kept timing out and finally it locked me out. If they really cared taking a pic of the ID and attaching the pic is the quick & easy way to get this task done but they aren’t being very efficient here.

I have NEVER had such a bad experience. Two years and they can't spell my name right after asking several times. I have to change my password every time for some reason they don't know. Calling is worse. These people just don't get it. The very worst customer service I have ever seen. If someone from Equifax reads this for heaven's sake please help me get this straight once and for all. I do not recommend Equifax. Wow. Unreal.

I was denied a credit card for TJ Maxx through Synchrony bank. I have Credit Karma. I also have Experian. For some reason my credit score showed 294 however that is not my credit score and for every number I was given I could not speak to anyone who could give me any answers to answer my questions on the paper for which I was denied. Nothing matched up to what they were claiming but they want you to pay to have an account. I would not recommend this company to anyone.

I would give 0 star if I can. Worst company. They made errors about my file. They provided Wrong SIN number, phone number, addresses and even wrong financial records of my report, which prevent me getting a mortgage from banks. I have let them know for 15 days already and told them it is urgent and I need for a house, but they still can’t fix it. I can’t get the mortgage because of their data breach or hacking. Government or any legal authority please investigate this company as soon as possible.

help, just asked us to wait. The house buying process has limited mortgage applying period, so we have to afford the loss. This is so ridiculous, what a ** company and so many people and bank institution rely on!

Do NOT purchase a credit report with Equifax or subscribe to their credit report services. It has been a nightmare dealing with Equifax these past 4 months. I first purchased my credit report in August. Based on how Equifax's website is set up, you're automatically subscribed to a monthly $20.95 payment plan. In August, I never received my credit report. It was not accessible on my online account, and I never received a physical copy either. I contacted Equifax, and the customer service rep indicated there was a glitch on their system and that they would "escalate" my request so that I could access my report. The rep told me that I should hear back within 6 business days. I never did.

At first, no phone number listed on the website. To cancel your account you have to call. Long waiting time. Poor customer service, no one is not responsible for answering questions, it seems the staff is hired to push their product. Without my written consent, on the account changed the name I had before I got married. What caused a problem into providing the credit score as it turned out me is not me. No manager to speak to who can explain their misrepresentation. All what they do well is freeze your account. Call to resolve the problem, wasted time, but all they are interested in is push their unreliable services. No one will bother to investigate an identity even with all provided valid government-issued documents. They still can’t update provided information for a month! The whole structure is build to waste customers' time. That is unprofessional, not reliable and annoying. I think this company is buying good reviews to stay in business.

I bought a house subject to finance. For my broker to submit finance they need to get an Equifax report. However Equifax are reporting that I am deceased. After a quick trip to the doctor, turns out I am very much alive. I rang them to sort it out. They said it is a 30 day turnaround.

Some bank made a hard inquiry and Equifax reported it. I want it removed because I didn't apply for an account. You have to submit a police report to get it removed! And it takes 30 days to process! That's the summary, more to follow. Somebody applied for card with CBNA (not me) and I want a hard inquiry to be removed. Calling Equifax... You have to go through several identity verifications first before they can answer any questions. And every time you get connected to somebody else, you have to go through the same online verification again. Awfully complicated and unnecessary cumbersome.

I paid for a family plan and all SS# were frozen. How was my son able to get credit card when I am paying for this service? Cancelled in April 2021. I have been charged for a service which I no longer have in June, July (double), August and Sept. 2021. I called company in August 2021, they said I would get my refund in 3-5 days. Today is 9-26-21, just checked my statement and no fecund, and a new charge for Sept. Finished calling Equifax and the response is that, "We will send your refund 3-5 days." I have called my credit card to stop payment for Equifax to protect myself from more charges.

Can’t use my credit card bc they have my profile “on hold” for some documents I signed A WEEK AGO. Wtf smh. I called my credit card customer service line and everything is fine on their end. They’re SO NICE they’re just waiting on EqUiFaX. Like this would only happen to me.

My score was 675.. two months ago.. But after I paid off 2 loans together of about $14,000.00 and a collection of $5,000.00... it went down to 585? I don't understand. My score should have went up to almost 800? Maybe it because so many people are doing bad because of the Corona-virus and their scores are going down... But don't pull my score down with them.

In 2017 an Equifax data breach affecting 143 million people. That breach was dwarfed by other hacks of security. The 2018 breach of Equifax is possibly the most severe of all for a simple reason: the breath-taking amount of highly sensitive data it handed over to criminals. By providing Equifax with full names, Social Security email private home address still puts everyone at high risk if you have any dealings with them. AVOID EQUIFAX. ALWAYS.

I just paid all credits cards down to zero balances. Had to use one for expensive pharmacy. I literally closed 2 credit cards out same day. No credit cards late or in default. These people dropped my score 35 points for using one credit card! This is totally uncalled for. They should not be in the people business, they can destroy lives too easily. Companies rely on them for deciding credit worthiness.

I don't normally write reviews for anything but my experience with them has made me want to warn others of how awful their customer service is. Cancelled my account in June and they have continued to charge me for a service I don't use (or ever used since they couldn't even provide what I signed up for in the first place). I have called countless times, every time being told that I need to wait and that it has been escalated to the highest point, but finally gave up and tried to file a dispute with my credit card company but Equifax refuses to send me the information I need in order to do so. Not to mention if I log into Equifax it tells me to buy a subscription, so I'm being charged for a service that I can't even use if I wanted to. Avoid them if you can.

I canceled my Equifax account 3 months ago and they continue to charge me the monthly fee of $22.54 for a service I no longer have. I have called in repeatedly and been given multiple case numbers. I always get the same response of needing to wait 5-10 business days for the complaint to be escalated to the billing department, which never happens. There are many other online credit providers (TransUnion, Credit Karma). If you are looking for your credit score do not use Equifax. Very concerning and disappointing.

Updated on 09/05/2021: This is an update to a review I filed awhile back on Equifax. I had a company called LVNV Funding LLC (AKA) resurgent Capital services to report a fraudulent debt on my credit report. Equifax knew this debt was fraudulent. Equifax went on record 5 separate times and said they validated this debt to be accurate and mine, They said they contacted the original creditor and the original creditor verified that this was my debt. I contacted the same original creditor and they sent me a letter and said they had no knowledge of any debt that I had with them. I submitted this letter to Equifax.

A freeze was put on my credit and nobody knows why. I've been on hold now 40 minutes. They can never verify my identity. This place is no good. Had to call 4 different numbers to finally have a chance to talk to a real person. Even their site is horrible. Couldn't log in and couldn't verify my identity.

No idea why it is so hard to investigate an identity theft dispute with all my valid government-issued documents. Transunion already solved everything but Equifax just cannot change any fake info on my account. I finally freeze it and rely only on Transunion, but the experience is so annoying. My friend has had no SSN issued ever, but Equifax assigns him a fake SSN to put a fake collection under his name and refuses to change any info. That is so annoying.

This is the worst of the worst credit bureau. It’s like they’re out to make your credit as bad as possible. I had paid off an account (that I didn’t even know I had because all the stupid bureaus bury all the negative stuff so you have to go around digging) over six months ago and this stupid Equifax people randomly recorded it as a severe delinquency. Meanwhile they didn’t make that information clear on the report but BURIED it deep in the closed accounts section. I then called to ask them to delete this account that’s 10 years old and they refused and asked me to call the lender. The customer service was terrible and was just repeating words like a robot. I can read all that on the website! I hate these bureaus with my whole heart. I hope the government folds all of them into one. Or destroy all of them altogether. What do we need 3 credit bureaus for? Useless people.

It's bad enough we are forced to deal with 3 credit bureaus in the USA. Worse Equifax is so incompetent. First of all the 2017 data leak is ridiculous; a company that's supposed to safeguard your data has a leak? Wow. And most times I got to unfreeze my credit they have an issue. I should be able to un freeze my credit online 24/7 in 2 minutes. But the website has issues and I have to call M-F 9-5 and go through a phone tree for 5 minutes to talk to someone. These kind of issues indicate the company is run poorly from the top. The CEO needs to make this company run correctly and stop putting so much emphasis on profit.

Equifax is legit and helpful but they couldn't help with low credit scores. Thankful for hacksandrecovery at consultant dot com for reviving my low scores when it was bad and I couldn't get help. Equifax and hacksandrecovery helped me out

Websites provide awesome information and all around summary of where you stand at all times in regards to your score. Always has tips and tricks on how to improve your score so you can set goals. Available online whenever you need it. You just log in and everything you need is right at fingertips.

Equifax refused to help me with a dispute. Rep I spoke with copped a major attitude (so I copped one right back). Gave me a hard time insisting the error was on the bank (when it wasn’t already spoke to the bank). I requested a written hard copy of my credit report and was given more of a hard time. So one star and I do not recommend Equifax is as trustworthy as other Credit Bureaus are.

Equifax is horrendous and they are a complete fraud, I ordered a credit monitoring and canceled on the same day. I sent them the email with the cancellation notice and they responded they will look into it. It took them exactly 30 days to respond and Equifax almost kept the full amount and prorated $2.00 from the full amount. Don’t trust this company, they are scammers, please don’t do anything with Equifax involving your credit card, they are sneaky and they will keep your money, they also outsource jobs outside the USA. Stay away from Equifax!

Designed without consideration for consumers, and policies make repairing errors difficult. I submitted a correction of an incorrect address several years ago and no resolution forthcoming. Also, very slow to update with positives, but instantaneous with negatives, giving no time to correct before adverse effects. This can generally be said as true of other sites, but this one is in its own league.

Its rating is weird despite my perfect record of paying on time and low number of inquiries and several credit cards for over 40 years. I got 804 instead of near max 850. Always check my credit history annually and noticed some errors they displayed so it's very weird and inaccurate record.

They have stuff on there that's over 7 years, it's like nobody cares about that. And there are charges with companies, that I don't know. You would think that they would at least be fair and check off the items from over 7 years ago.

Equifax knew about security breach way before public informed. I was paying approx mo. Which I have had no compensation still. They attempted to send me a 38.00 check. Obviously, I would of been accepting it for settlement. Then class action suit gave me nothing. Or you could supposedly could have your credit monitored for so many years. I still have nothing. It ruined everything for me, my credit, yes hacked. I cannot use my email with another last name I have. This has been going on for years. I'm truly upset. Thank you!!!!

The people I dealt with pertaining to my issue were not friendly at all. Let me state that I have excellent credit and had a car loan from Toyota Motor Credit. Always paid car loan on time and paid off amount early to avoid any additional interest charges. Checked my score and it was down 10 points. Credit agency will list this as a closed account and penalize you for it.

Each of these phone numbers 1-888-298-0045, 1-800-349-9960 and 1-888-202-4025 #6 (connect to agent) leads to the same automated system to "establish your identity." All fine until the last 4 questions-- Which of these bank cards did you open in 2012? None of the above isn't recorded as an answer-- The question keeps cycling-- Do you need more time? Do you need the question repeated? Which agency holds your student loan? Option 5-- none of the above (college days were in the past century...). Again none of these phone numbers registers a response. Three times they ended the same way "your identity cannot be verified, goodbye."

This company need to be investigated. The employees hang up on you. Block you where you can’t get through and refuse to put a manager on the phone. Just a bunch of people who have total access to your life and can falsely apply disputes refuse to remove disputes and the people you file a complaint to against them is a joke. These people come to work and do what they wanna do. How can I apply? So I can sit and ruin people livelihood all day without a care or consequence. These people do what they wanna do because they know nothing will happen to them. I been trying to get a dispute remark removed for 60 days now. You say left they say right... They act like they don’t understand nothing. SMH. If I could give a negative zero.

All I can say is they keep charging me, giving terrible service when I call and the people that work there act as if they have no life inside of them. They still can't email me proof that I won't be charged as they say we can only give verbal information. This place is a JOKE. Don't waste your money. Go with Transunion.

I’ve been dealing with a dispute on Equifax for awhile. They can never verify me, yet the same info with the other two credit companies have no issues asking the same information. When they connect me to a agent their system is always down. The dispute I turned in is a no brainer. It’s been over a month and I’ve not heard a thing from them. Dispute is not even on the item I’m disputing. This last month my fico has done up 60 points with 2 out of 3 companies. Not Equifax. It went down. So from not being able to verify me, to every time I call the system is down, so I can’t be helped. Sounds shady to me.

I paid down 2 installment accounts and one of my credit card companies increased my line of credit by $100. As a result, Equifax dropped my score by 50 points! The kicker is the credit card company sent me the notification they were increasing my line of credit because of excellent payment history. I didn't apply! The other credit bureaus increased my score. How does it make sense to decrease someone's score for good consumer behavior and practices? Does not make any sense to me. Only Equifax does this and in my opinion... that's the worse practice ever. How do you overcome this????

This company constantly tries to get you to sign up for a monthly monitoring with “Boost”. You must select NO to a pop up each time you log in or you will be charge for a new membership ($24.99) without even knowing. Those boost points will stay on your credit as long as you continue to pay Equifax each month for that membership. As soon as you cancel your Equifax accounts, all these boost Fico scores you worked so hard for will disappear. A complete scams while acting like they are helping you “monitoring”. AVOID!!!!