Equifax Reviews

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!!!!

Manier times their Customer service reps don't even know what they are talking about! Every time you call and you get a different information for the same problem. They have no idea why the score is, what it is, all they know is general, like pay bills on time etc etc. They always blame that the system auto generates the score and they have no idea about that. I argued many times that nothing has changed to my report, bills paid on time, no extra usage on credit cards, it is only 30% and no any credit inquiries and everything else is in place as last months and so then how come the score came down by 5-10 points and they had absolutely no answer and no idea. Also, If you fight for any dispute, the response is very late. Looks like they don't even know what they are doing? It is one of the biggest Credit Bureau and very sadly it is so damn poor in terms of service and knowledge.

I recently disputed the last two negative items on my credit report with valid reasons. These items were removed from Transunion within 48 hours. They are still showing with Equifax. Tonight I went to their site from Creditkarma's site once I figured out that I would probably have to dispute the negative items all over again with Equifax and when I entered the required information the first time I got a try again later our system isn't operating. Five minutes later I enter the info again and now I get "You must call customer care." So, I call customer care and after telling the computer things I'm pretty sure the government doesn't even know about me I finally get rung thru and YEP it's the computer guy again telling me they're closed.

I’m in the process of buying home and my lender has told me that in order to be approved for a mortgage with the best possible term, I should have any disputes removed from my credit files at all three credit bureaus and any consumer statements removed as well. To do this, I had to call and speak to customer support personally at Experian, Transunion, and Equifax. I called them all on Jan 31st. Both Experian and Transunion removed all of my open disputes and consumer statements while I was on the phone with them. Equifax, however, told me it could take up to 30 days to have them removed. Why does it take 30 days to remove the disputes that took me only 30 seconds to add back in 2018!

I've been having issues with Equifax for quite some time now. Among many other issues-- when something positive happens on my account, there's hardly ever a positive change to my score. The same information that is on Equifax is the same information I have on Transunion and Experian; yet, I'm always seeing it being reflected with a positive score change with each company except for Equifax. Equifax, is the only bureau that constantly take more than they give, from my experience. Just this past December there was a slight change (increase) in my utilization and it dropped my score on Equifax by 13 points!! 2 points on Transunion and 4 points on Experian. Now here come January-- my utilization decreased to 0% because I paid everything off, and wanted to give the system time to reflect the changes.

So about 3 weeks ago I had 5 collections showing as open, all medical collections, on all 3 reports I paid those 5 collections off at that time to the original creditor. As of last week TransUnion and Experian have removed them all. Excellent, faster than I could imagine. Equifax, however, has not. I went through the dispute process which I can only do one at a time. Did not help. I have tried on several occasions to log in to their website. To only find it always tells me I can't log in at this time. Please call customer service.

Exact same experience as reviewer: Paul of Crockett, CA. This Company should go out of business and we're fine with Transunion and Experian as our credit reporting agencies. First, Equifax got security breached and compromised millions of people's information and now they're unusable as a credit agency. And yet we consumers are required to use them to get credit. It's a big scam.

I am about to lose the opportunity to buy a house for the 2nd time because of this company. They have my last name incorrect and I have been disputing since July, sent documents by certified mail, uploaded them and since November I have disputed the same thing 5 times with same result. The bank can not get a credit report from them because of the name discrepancy. Also I have disputed my address several times and even with the documents they cant seem to get it correct.

I usually do not take time to do reviews, but this interaction was so pathetic that it warrants a truthful review. I have a credit freeze across the board because my info was compromised in the 2017 Equifax data breach. I want to refinance a mortgage so needed to temporarily unfreeze the 3 large credit bureaus. Transunion and Experian were clear, straightforward and both successful online. Excellent job - just the way it should be.

My Equifax credit report has been frozen since 2007. I went online to open an account that I could manage myself. It said they could not verify me. I then went to the phone. After answering usual question it went to a new set of questions. Do I have any monthly loan payments - answer - no. Next question, how much are monthly payments - answer - none of the above. Next question, who is loan with - answer - none of the above. Last question was about a mortgage - I don't have a mortgage.

We are all busy. I have a few rental units I rent and need to contact Equifax for various reasons (ie. Check on an applicants credit worthiness). I have spent hours trying to reach a HUMAN or find a way to get to the information through their website but each number I call has an Auto attendant which directs me to another number, and another and then another. Equifax has more numbers than people it seems. This company makes it so difficult to reach anyone to make an enquiry of any kind. Why both using them at all? Why would I as a business owner even consider paying for their (lack of) service?

Equifax is THEE WORSE at updating credit reports. The Creditors are reporting every month to them. However, Equifax doesn't update MONTHLY like Experian and TransUnion. My last reporting from them was September and this is DECEMBER. Highly Disappointed. Wish I could join a class-action lawsuit against them. Worse credit bureau EVER!!!

I keep a freeze on my credit so no one can use it except me. I was buying an expensive item from a company that wanted me to open an account with them. Without my knowledge they called Equifax for my credit score which was frozen. I tried to contact Equifax to release the freeze temporarily, but their customer service is in the Philippines. I could not understand their "English" and asked to be transferred to USA. They refused twice. I told the company that I was buying from to use Transunion because they are easier to deal with. Unfortunately they had a contract with Equifax so the "buy" fell through. The seller was very unhappy and I had to start all over to find the same item elsewhere.

I would rate this company at < 1 if it were possible. Every time I need to unfreeze my credit for something, they make it extremely difficult. The other two agencies are wonderful. Logging on to their sites and using their systems is a breeze. For some reason Equifax rejects my passwords and prompts me to call customer service; which by the way is a call service in India, which means you'll be speaking to someone reading a script who can't do a thing to help you. If this sort of thing only happened once, I would understand, but it happens every time. If you are trying to buy a house, this is a major setback.

In applying for a mortgage refinance, I had to remove a security freeze with the 3 reporting agencies. There was no problem with TransUnion and Experian. Their customer service - telephone for TransUnion and website for Experian - worked well. The freeze was lifted in a manner of minutes. This complaint involves Equifax for not having adequate customer service. To this date, weeks after my request, the freeze has not been lifted which resulted in my lender not gaining access to my credit history from Equifax and has placed my loan application in jeopardy. And a potential financial liability. The fault is Equifax's totally dysfunctional customer-service system. Essentially, they have no customer service.

I have been fighting with Equifax for nearly 3 YEARS to gain access to my online credit report and their online dispute system. There are several derogatory marks on my Equifax report that are from old medical bills, which should NOT be on there because they were paid by my insurance, which I have full proof of. However, I have NOT been able to access either my Equifax credit report or their online dispute system in the nearly 3 years that I have been trying so that I can dispute these items to have them removed. Out of the 3 credit bureaus, my lowest score, by a landslide, is with Equifax because of all the inaccuracies. I have tried SNAIL MAILING my dispute to them on several occasions over the last 3 years and I have never even so much as received an ACKNOWLEDGEMENT of receipt of my dispute.

Every time I call Equifax to temporarily lift my credit freeze it takes an hour (Experian and TransUnion take about 2 minutes). Equifax asks a bunch of secondary questions from a decade ago, and many of them don't pertain to me (e.g. Who did I have a car loan with in 2010? I pay cash for all of my vehicles?!), then tells you that you are wrong. They then ask you to fax (who has a fax?) information, or mail a copy of your social security card and drivers license. (Who is going to MAIL those sensitive documents?!) No email option, no ability to update your data.

Equifax received all my documents from consumers protection financial bureaus to add a Block from Credit Acceptance to report on my credit file. May 20 2020. Equifax allowing to report. Now I'm not able to purchase my first home.

This is the worst company that I have ever come across. They do not know what they are doing at all. I filed a dispute on their website in October 2020, to notify them that I have paid off the balance on my credit card that I closed in December 2019. The closed credit card account still had a balance on it, but it stopped impacting my credit and my credit was building up until the time that I made a mistake of filing a dispute on Equifax's website. After filing my dispute, the Creditor confirmed that I had already paid off the balance. However, after filing this dispute Equifax dropped my credit score by 11 points and a week after dropped my credit score again by another 18 points. I called them and they had no meaningful reason to give. In fact, the last person that I spoke with over the phone asked me to fax my driver's license, a copy of my social security card, utilities bill, etc to them. This company is just ridiculous.

Keep trying to get thru to see if they got my faxes. Sent faxes two times and called two times. On 11 6 I was on hold from 117p, to 148pm and no answer. They never answer the phone and now offer no callback, as they did before. I had identity theft from them too and no one alerted me on what to do.

Updated on 12/08/2020: You supply them with everything that you know is 100% correct, and they will not unlock your credit. I gave them more info than when I bought a house. I am beyond angry and sick of this company. They have already cost me a floorplan company and now I need my credit unlocked and have both my conf no and my pin no and it will not let me even get that far as they will not validate my basic information which is 4 pieces of information. Pathetic. Don't use for any reason and NEVER lock your credit as you will NEVER get it back unlocked....at least I have not been successful.

Equifax is the absolute worst. It's no wonder they had a breach. My score dropped for no apparent reason and contacted them about it and they were clueless! They need to be audited and shutdown. Sad!!!!

I've been contacting Equifax multiple times. I get through every time I have a question about my credit score why hasn't changed since March it would change one point to two points but then it dropped 58 points.. When I called them I said I only have one collections on my credit. I paid off all 10 of them within a year. Why hasn't my Equifax moved since March when the government shutdown. They have no answers. They are the only one that has not moved. Experian moved and Transunion moved. Equifax seemed to be damaging my credit. I think I might have to sue them.

Recently contacted Equifax because there was outdated, incorrect information on my report that affected my credit report negatively. I answered all security questions but operator was not able to access my info to correct wrong info on my report. Asked for a supervisor and was told because of Covid19 Equifax has LESS offices open. So a normal employee can work but having a supervisor is somehow more dangerous? I was repeatedly told that I was not able to access my own credit information because Equifax was (concerned) with my safety! Keep in mind Equifax released MILLIONS of their customers credit information to farcical entities (criminal organizations) keeping my credit safe for these criminals to see and use while locking me out of my own information! I will look forward to a class action lawsuit which will no doubt happen, and I hope soon!

I am trying to purchase my first home but Equifax has not update my credit score in months and when they do update my score drops. I have been paying off all my debts on time and sometimes double pay. Equifax have made themselves impossible to contact and when you do get in touch with someone they sound like a robot that been program to lie to you. Equifax if you are having a problem within your company please let the public know it's our right to know. Equifax you are destroying people lives especially mine.

The employees (customer service) never know or understand anything you're asking about. They just keep transferring me and I never get a representative on the phone who can actually help me. I sent private documents to dispute my new address like a month and a half ago and the information is still not updated. They talk over you and can be very rude. Their website doesn’t even provide a customer service number so I had to search it online. It’s just plain horrible!!!

While my other two credit scores are going up, my score with Equifax fell 10 points. When I called to find out why it fell 8 points last week and two points today. The customer service person could not help me at all. I had an account on the Negative list that has been paid on time since the beginning of 2017. I ask, "Why is this on the negative list," his response was, "I don't know but I am sure it is not hurting you." "Really? Then please take it off," he said, "I can't do that." I ask, "Please tell me why is my score going down by the day." He could not answer any of my questions. I had a late payment 6 months ago and therefore it has drastically effected Equifax. Also their website is very difficult to navigate and work. Why are they in business???

I spent forty frustrating minutes on the phone with a person whose English I could not understand. I have been the victim of fraud. I have an Equifax product called ID Patrol. I not only could not find out how ID Patrol would protect me, I also could not get transferred to someone who spoke English without an accent. In the end the Equifax person hung up on me.

I put a freeze on my credit information with all three credit bureaus. I have been unable to unfreeze my credit information with Equifax for at least six months. I have tried NUMEROUS times to speak with a live person. I call and am asked a series of "security" questions regarding past credit cards or loans. The cards or loans never refer to ones that I have had therefore I answer no each one. Every time I get the message that they "cannot help me". Because a car dealership could not pull my credit, I had a car I really wanted sold out from under me. I am looking to complain to the appropriate agency and would love to be part of a suit. I am so angry with these people I could spit nails. I do want to sue them. They deserve to go out of business.

As a result of my identity being stolen due to the Equifax breach I put a freeze on my credit information with all three credit bureaus. I have been unable to temporarily unfreeze my credit information with Equifax for at least six months. Every time I try to speak with a live person I am asked a series of "security" questions regarding past credit cards or loans. The cards or loans never refer to ones that I have had therefore I answer no each one. Every time I go through a recorded voice says I have answered wrong and I am cut off. A couple of times when I called again, the questions were asked in a foreign language!!! Somehow, I was able to get through some other way, and was sent a letter with a temporary passcode to log onto my Equifax.com. This passcode DID NOT WORK.

Equifax made a mistake on my credit file and I am applying my mortgage, request them correct the information that not belongs to me, I fax my document since July 6 and wait 10-15 business days get nothing changed, and called them almost everyday except weekend, different agents different sayings, and impatient to answer me, sometime say no signal, some time just let me listen music, sometime say it is different department, sometime say system upgrade let me call back, and when someone heard my story and just let me keep fax document and fill out dispute form and wait another 10-15 business days, F...

My credit score dropped for no reason and they gave me the run around. Manager supposed to phone me back in 2 days. 3 weeks later no call and tried to cancel. They hung up on me and said I can’t cancel.

I was in the process of trading my vehicle to purchase another vehicle. When we got to financing the vehicle, the salesperson asked if I had a freeze on my account and I told him yes, so I made a mad dash home to unfreeze my reports. I logged into Transunion, and did the unfreeze, no problem. I logged into Experian and did the unfreeze, no problem.

All I was trying to do was change information on my account. They said to wait 5 business days for the confirmation email, I did nothing. I called and then they said it’s 10-15 business days now, so I waited over 15. I called again because I didn’t receive an email. I talked to 4 people there and no one could give me an answer to why I haven’t received it and said to just fax it again and wait 15 business days. Horrible service! Couldn’t even tell me if they received my fax or not and didn’t even try and help.

The website is not user friendly and Equifax makes it impossible to view your credit score without purchasing one of their packages. I have tried numerous of times to speak with a person live to discuss, but unable to reach anyone. There should be laws to help the consumer from this type of racketeering or else take their power away from being a recognized Credit bureau company.

These people I guess get a thrill out of being rude because arguing with me made them laugh in the background. Instead of helping they wanted to prove their point of being right. What kind of customer service is that? And how is one a supervisor? Plus what help is this company when it comes to Covid-19? Guess they don't care when some states are still struggling and don't have everything open. What a loving company you are. Smh for these kind of places that dgaf!

I check my credit score on Credit Karma weekly, On July 5th Equifax had indicated that my credit score had dropped 17 points because of a $5.00 charge on my Lowe's account. Transunion score remained the same. The account balance was 286.58 as of June 6th and no additional charges were made. But they were saying that the $5 charge bumped me up into a higher usage percentage, going from 9% to 10%. Even with the new math 286.58 + $5.00 is 291.58 and is NOT 10% of $3000.00.

Unauthorized use of credit card information. Equifax has charged my credit card although both my CVV and expiration date have changed. A company which is focused on credit fraud is doing it themselves. I think that says it all. They mentioned in the mail that they can't take money out of your account anymore and will have to stop your subscription. In all reality they don't care. It is a fraudulent company which should be ashamed.

I've been in an urgent need of updating one of my credits and been told if I send the required documents by fax and mark them as "Urgent", they'll review it and it'll be processed between 3-5 business day. I've been following up once I sent my files and called 2 days after I sent the files to see if they received them, but have been told by one of the agents, that I have to wait at least 3 days so they'll be able to check that out. Called on the third day and been told that I have to wait 2 more days! I called on the fifth day and the lady that answered my call told me that she can't tell me if the credit has been updated or not and I should call back in 2 hours to be able to talk to an agent!! I lost my mortgage approval only because of their lack of cooperation and not having a clear answer for my bank about the time I need for credit update, and kept waiting for nothing! It was marked URGENT for God's sake! I would not recommend Equifax at all!

Equifax is the absolute worst. Terrible website (maintenance outages during business hours), incompetence regarding people’s credit, make it very difficult for consumers to do anything regarding their credit. I can temporarily suspend a credit freeze on TransUnion or Experian online in two minutes. Equifax’s system never works, so you have to call them (good luck!). After 30-minutes of explaining the situation with “Steve” in New Delhi, they still find a way to screw it up and not do what you ask. Total incompetence on an unprecedented level.

Touch tone menu sucks. Web site online sucks. Finally got a someone on the phone who was reading from a script. He could not speak English! After 30 minutes the fool could not verify me! Do not use!!!!

I tried having Equifax update faulty information on my report for several months. I kept being told the wrong information was being reported and to contact the company reporting. I contacted the company several times and was sent proof that they were reporting the correct information. I was sent around to all kinds of different Equifax customer service representatives but was told there was nothing they could do. I researched a lot online on how to fix this since no one cared and no one could help me, and I found https://www.consumerfinance.gov/complaint/

I requested my free weekly credit report for all 3 credit agencies, I could only get one online report and that was from Transunion. Experian and Equifax requesting me to mail in a copy of my Driver's License, Social Security Card, Pay Stub with SSN, proof of address. ARE THEY FREAKING CRAZY???? Who in their sane mind would trust sending their personal identification documents in the mail to get stolen and used? This is against the law because we have the right to at least one annual FREE Credit Report. They asked me security question to identify myself, so why they need additional personal information? I will be looking into this and file a complaint. Maybe their site is hacked and rerouted to another site. Probably one of those COVID-19 SCAMS to obtain personal identification.

Equifax made an error on my address by one number and says it’s up to me to correct, takes up to 90 days and I have to provide information. I didn’t make the error Equifax did. I can’t register with SSI because of their error. Why should it be up to me to correct. I never submitted anything to Equifax. I tried to voice my disdained by email and was told that’s just pretty much the way it goes. Tough cookie. Is it me or does that seem like a tough cookie to eat. What’s my resort? None except walk in the SSI office if and when it even opens again because of Covid 19. It’s worse than dealing with Washington State unemployment that now won’t pay my claim because of another mistake – told Pending. My entire financial existence is pending and it started with a silly incorrect error by Equifax.

I don’t have a lot of credit history, and as the story goes, you can’t improve your credit if no one will approve you because you don’t have enough credit. I was finally approved for Fingerhut since it’s the only place out there that will accept everyone. I’ve been paying on time and checking my score a few times a month. Well, I just checked this morning after making a payment the other day, and Equifax LOWERED my credit score by 50 POINTS!! For making an on-time payment!

I actually spoke to a person about a change in my credit score and he would not help me because I got my information from Credit Karma who got the information from Equifax. So I logged on to Equifax to get my score. He then transferred me to a person so stupid he asked me the same question 4 times and never understood my answer. Because of this he could not verify who I am and I could NOT get any help.

Answered no questions that were addressed about positive effects towards my credit report that I am working really hard on and tried to over talk me about everything that, what was not my concern. Got really quiet when she was not sure of an answer and left me hanging on, I'm now like, "Hello Ma'am are you there?" And she says nothing. Just puts me back on hold, plain rude. They shouldn't be in charge of anything of mine period. Very distasteful and a waste of time and taxpayers' dollars. Who is over these dweebs!!!

Little bit of background information first... I've been in the process of looking for a new home and being approved for a mortgage. As of three days ago, my credit score through Equifax was at 708, but when I checked this morning it had dropped by 58 points! Naturally I was concerned and curious as to why it dropped by this much since all my credit accounts are in good standing and been paid on time for the last 3 years. I decided to call Equifax and this is where my real nightmares began!

I called Equifax about a paid account that has a balance that keeps increasing. TransUnion and Experian have already made changes. But old and cold Equifax still has not corrected the account information. They are showing old accounts on my credit over 10 years old. I called them and got no help. The rep didn’t know how to help and told me call the creditor. The creditor has already sent the deletion letter. And to make matters worse, Equifax tried to get me to dump MyFICO and get their Equifax versions. Lol! Never!

I have 104 months of perfect on time payments across of all of my accounts. One time the the bank reports a missed payment, which is actually a mistake. The spinless pukes at Equifax do not bother to look at my past PERFECT payment history and think there may be a reporting mistake by the bank, they just automatically drop my rating by over 100 points and then the customer service person was a complete puke and unwilling to assist in correcting the issue.....just rude.

I will try to keep the frustration out of the content of this experience. I just called Equifax at 1866-349-5191 #5. This is the number I was transferred to regarding an issue of my wallet being stolen with my CC's in it. All I wanted to do was let them know that although I froze my 3 Credit Bureau Reports, I did it after there was an arrest and my wallet recovered and that there may have been some inquiries on my report that were made and were not mine. The person on the line validated that I was "me" by asking social security number, address, and a few other questions. Unfortunately, she had five more questions regarding loans and credit cards from the past.

I have filed disputes with Equifax numerous times to fix the credit errors they have made on my credit report and they continue to ignore it. So I got the BBB involved last month. Well I received an email saying my report had changed. Expecting to see it fixed I found the opposite they had dropped my score by 70 points not to mention they have still not fixed a thing. They even tried to tell the BBB that they would try and correct it which is a lie. And the response is always coming from a senior consultant with no signature what's so ever. This company is a bunch of crooks who need to be stopped.

I have been locked out of my account, I spent more than an hour with them to try to log into my account, they kept transferring me to different agents, and after an hour, discussing my account with me, they transferred me to the technical agent, who after verification, wanted my social security, when I refused, he said he cannot verify my identity, These guys are scary in these times of online scams. I requested them to cancel my subscription, Not sure I can trust them anymore. I am still locked out of my account..

EQUIFAX SUCKS!!! Anyone know how to talk to a live ** person? I've called multiple numbers, sent email, called numerous times. When I did talk to a human she was beyond rude!!! So much so it got to where when I asked for her name or employee ID number she said "I ain't got to give it to ya". Really? Are you ** kidding me. Then I asked for her manager after she hung up on me. Then on another call back (same person) I asked, "Can you just tell me if you got my letter sent overnight."

I filed a dispute with Equifax on 04/02 in regards to an account that should no longer report and old late pays I believed to be erroneous. I filed similar disputes with Experian and Transunion and they promptly completed my requests. Equifax updated the dispute on 04/29 and added a 90 day late in March to an account that was closed and paid 0 balance in 2015. I was alerted by my credit service myFICO and my Equifax score dropped 44 points per their alert. I have called Equifax numerous times to resolve the issue. I have had long hold times and a long process on each call to have my information validated and explain the issue from the beginning over and over again.

This is the most ignorant company I, unfortunately, have to deal with on occasion. I am sick of the language barrier when I call. Stop reading from a damn script and learn your job. Your security questions are REDUNDANT! Hire from the USA so people can understand what you are FRICKIN SAYING!!!!

I signed up for their service to get a credit report. They state that you can cancel any time but that you have to sign up monthly to get the credit report. I signed up thinking that I can cancel any time. Turns out you cannot cancel online!!! You have to call their technical support to cancel. The process has to be done on limited business hours, requires multiple security questions and takes 30 minutes only AFTER you have waited in hold for longer than expected waiting times due to a long list of excuses. THIS IS INSANE! Do NOT sign up.

I'm currently looking for an attorney to go after Equifax. I have never missed a single payment on my credit report nor Have I had any changes to my credit. I was getting ready to get a home loan this week and Equifax dropped my score 88 points for no reason. I call and call and they keep telling me this systems are acting up to call back in an hour. I see they have been telling That to people for weeks. I have been building my credit for so long and now it's going to take me over a year to fix what they have done. After Google searches I see that this is happening to many people and nobody can get Any help. The only way to stop this is for all of us to join together and Let's get an attorney and go after this giant. Please contact me if you are already in the process and I will join in on your lawsuit and help cover costs or you can join in mine. #takeequifaxdown

If I could give a negative rating I would. This is by far the worst company I have ever in my life had the displeasure of dealing with. Since I called them back in 2017 to alert them to Identity theft, and provide them my signed and sworn FTC Affidavit, Police Reports etc.. To restore my credit to my rolling average score of 760 I had for 20 years. Whats transpired is not short of comical how one company could be so inconsistent offer such poor service have my Data breached and caused additional stuff to get reported which is now used to verify and account I can no longer access, and have jumped through the fax hell and mail hell the put people through..

I placed a security freeze on my Equifax credit file 5+ years ago. If I remember correctly I paid a fee of around $15 to have lifetime access to be able to place and lift security freezes as I see fit. Exactly like SO MANY OTHERS here at ConsumerAffairs, I have been unable to log into the MyEquifax account for over a year. I have called Equifax many times, always waiting patiently on hold until I am able to speak with one of their partial-English-speaking representatives (I have spent HOURS AND HOURS on hold with them). I have "supposedly" had my problem elevated to their IT department on multiple occasions in an attempt to have my problem solved, ALWAYS TO NO AVAIL!

Trash just like this website. I attempted to create an account and am told to phone call, in which I am put on an indefinite wait. No issues with the other companies. Shame this is a "big 3" bureau...

I froze my accounts years ago for added security. Now I have applied for a travel credit card, but Equifax system is down. Logged in over the weekend, website said had to call in to their call center during business hours. Called in on Monday, waited 40 minutes on hold to be told "call back in an hour, system is down". Called back 24 hours later "system is 'updating', call back in an hour or so". Checked online for others experiencing same problem, have found many consumer flag sites dating back A WEEK AGO with the same issues. So our credit has been hijacked for over a week?!! Now on hold yet again for a "supervisor". Hoping that she will at least speak English well enough to give me some straight answers rather than the garbled rote responses I am getting from the grunts. Don't get me wrong, a large percentage of my family is from the Philippines. Doesn't make it any easier to deal with incoherent outsourced customer 'service' drones.

I placed a security freeze on my Equifax credit report to protect it. But now I want to refinance my mortgage and can't get it unfrozen. I tried the website. I can login and request the freeze be removed but just get an error message saying the request cannot be processed and instructing me to call. I tried calling. Only get a robot that says to use the website, fax or mail a letter. I tried typing a letter with copies of ID and faxed it in. Their fax machine does not answer. I tried sending the letter in via US Mail. I got a letter back confirming that the freeze had been lifted. But it hasn't. The lender told me they could not get it. Equifax says my credit score is 0. Other credit unions have it at over 750. Who can I scream at to make this work? It's costing me lots of money to pay high interest rate on my mortgage when I could get it refinanced to a lower rate if not for Equifax.

I needed to unfreeze my credit bureau reports for an upcoming refi. Equifax's website won't let me sign in. Won't let me change my password. Very difficult to find your way to holding for a human through their phone system. Waited half an hour for said human. It was 1:50pm PST and the system says at the beginning they close at 5pm EST. The woman tells me the system is down and to call back in 30 minutes. I protest that I was told on this very call that they close at 5pm EST. She said no, they're open until 6PM EST. I call back and suffer once again through all the BS automated questions to get on hold for a human, but I'm now told by an automated voice that they are indeed, closed. Their system says if you remain on the line after your call, you can participate in a survey. Nope. Their system hangs up on you. TransUnion and Experian were both cake walks to unfreeze my accounts. Equifax is absolute hell.

I’ve been trying to remove a freeze with Equifax. The customer service rep asks a ton of questions to authenticate you are who you say you are before they can help with your reason for calling. First of all they ask a ton of questions, many very old, over 20 years old. After being on hold for 30 minutes before reaching a human being, I answered all their questions only to find out I failed to answer them correctly so they said and therefore they couldn’t help me. I asked to speak with a manager and hung up after being on hold another 30 minutes.

I have had the worst experience with Equifax. Mind you I'm paying for the services, but have a hard time being able to view my account. Every time I log out and attempt to log back in, I have to reset my password on Equifax.com. I can't access Myequifax.com, it tells me to reset my password. When I click on the option to reset my password, it says it will send me an email. I NEVER RECEIVED NOT EVEN IN SPAM! I contacted customer service, had to speak with 4 representatives because I was transferred over to a busy signal or back to the automatic system, very annoying. I had to beg the fourth representative to transfer me to a live rep. STILL WAITING ON THAT. DO NOT PURCHASE.

Called to lift a freeze. The rep must have repeated that he could help us but to go online and create an account. After repeatedly telling we wanted to complete this over the phone he started asking the security questions. The problem is the questions are so out there asking if we ever had any dept store credit cards in the past, what were the payments. I don't remember if I had a store cc and how much I paid from years ago. The questions were ridiculous. Asked to speak to manager who was no better with trying to help verify my identity. So I decided to go online to get my credit unfrozen. I created the account and at the end was told I needed to call customer service! So I am stuck. With frozen credit. All frozen from their mistakes in the first place. Horrible service.

I need to lift my security freeze from Equifax. I had to create an online account to be able to do it, but was unable to get in with the PIN #s they provided via text. I opted to have a new PIN sent via mail. I was able to go in and create an account, but when I went back to log in, I received an error message that essentially I had to call Equifax in order to be able to access my account. Now I'm on hold for an hour. I'm ready to hang up and give up on them. If they suck for the consumer, they must suck just as badly for creditors. I give up. I'll use Experian and TransUnion instead.

My husband and I filed our claims in relation to the data breach as instructed in July of 2019. Last week my husband received a letter stating he needed to confirm his credit monitoring service so he could qualify for the cash payout (initially told would be $125, now told will be less). He went online and confirmed his without issue. Anticipating I would receive a letter also, I logged in but got a message that said my confirmation deadline had expired. What??? I contacted customer service to see why this would be, given that our claims were filed on the same day. The answer I received was that they had contacted me by email and since I never responded, it was essentially my fault and there was nothing more for them to do - the message could have gone into my spam folder and I should check with my internet provider. I thanked them for their prompt response and expressed concern about the inconsistencies in their communication methods.

Needed to lift a security freeze from my Equifax account that I ONLY put in place because of their breach. Experian and TransUnion went like a breeze yet secure. This company has been a nightmare just like the others said. Couldn't create an online account, so they mailed some kind on pin to allow me to create online account. Went through all the steps, when I finally clicked verify email address, I got an Error screen with a phone number to call. Spent close to 4 hours, mostly on hold, and about 30 minutes with their agents.

Equifax is reporting inaccurate information without adequately investing disputes of the erroneous reports. The multiple choice selections are not inclusive enough to aptly dispute errors outside those limited choices. There is no adequate space to present or explain factual supportive information on line. The telephone experience requires dogged determination to connect to a representative to present evidentiary information. After a prolonged wait (more than 10 - 15 min), the phone disengages, prompting another desperate attempt to reach someone. After several attempts to reach someone, hours pass with no productive engagement. Further, the attempts were to correct information that I have evidence from the debt purchaser that knowingly reported the misinformation. Equifax should require verifiable documentation before reporting negative information.

Been trying to freeze my credit on Equifax for several weeks now and they can't even finish setting me up with an account. It's March of 2020 and this has turned into an exhaustive and draining experience as you can't get a human being to help you and their online avenues are as solution antithetical as it gets. Have waited for hours at a time on terminal hold with my cell phone waiting to get human help and each time the call drops after over an hour of waiting. Equifax has clearly demonstrated themselves to be incompetent, corrupt and unreliable. This company should not be allowed to exist anymore.

As I write this review I’m still waiting to get connected to a customer rep for 2 hours continuous. The phone number online is incorrect and you will only speak to a machine. I am so disappointed. I have wasted so much trying to reach an agent to help me get into my account which they locked. I

Numerous attempts to log-in. Called at least 5-6 times to request help. After waiting for a long time, I was lucky and finally spoke to someone. I was able to see my credit score while I was on the line with him but as soon as I logged-off, I tried getting in again with no success. I called again. Again, listening to machines for 20 minutes. I kept holding (pressing 2 every 2 minutes or so to finally accept the call-back option by pressing 1. That's when I was told that my call back request was denied. There is no help in French and honestly as I see it now, none in English either.

Equifax not only has incorrect information for me to dispute, but are rude, obnoxious and have no sense of customer relations or service! Ed put his colleague on the phone, and then the colleague (Phillip) stated he was a supervisor, so they both lied! My questions never get answered whenever I call. I call every Blue Moon to avoid poor customer service, but still the same with each call! These people should be placed out of service due to the fact that they not only have data breaches that affect each person, they give you an extended amount of time in arguing, causing arguments and just flat out rude and have have the nerves to blame you for the unprofessionalism. This is unacceptable! Never got my answers anserred again and A COMPLETE WASTE OF TIME AND THEY HAVE THE WRONG DATA AND ADDRESSES ON MY REPORT! PUT THESE PEOPLE OUT OF BUSINESS.

I’m trying to unlock my account. It took me 25 minutes to find a number for a live person. I have now been waiting 90 minutes to speak to someone. I tried retrieving my password, but the promised email never arrived and I checked my junk and trash. Phone wise I spoke to the automated and after answering all my questions they said they couldn’t help me!

Want to dispute nonsense associated with your account with Equifax? Good luck and be prepared to waste time. Experian and TransUnion make everything much easier with their websites and services offered. But not Equifax, which is in the dark ages of consumer communication. I was bounced around from representative to representative when I called them and never got a chance to leave a review, so I'm doing that here now. They do everything by letter and love to charge you for anything they can. Absolutely terrible, the worst credit agency of the three without a doubt. I needed to voice my opinion here and it seems as though I am also in good company with others in my thoughts.

Everyone I have spoken with have the same experience with Equifax. Their report scores are always lower than other reporting companies. With some I've spoken to, lower by as much as 75 points. There needs to be some governmental scale imposed to explain these numbers, so companies like Equifax can not financially harm individuals as it appears Equifax has the power to do, without oversight.

What happens if you do not agree? Each time you try to correct it it gets worse! Not one time but all 3 times makes makes it further off than the last! If you want to play Where’s Waldo just go to my Equifax sheets. Thank you Equifax and Toyota motor credit!!!

Seriously Equifax. I've been trying to log into my account since August 2019, I gave up and took a break. It's now March 2020, I still can't login. Customer support cannot help after trying relentlessly. What type of service is this? Since then and even more so now, there is a ton of complaints online about the same issue. Shows there is a big problem that needs to be fixed. So when are you guys going to fix this? You seriously do not need to to be in business at all.

I bought this yesterday through an Equifax rep who could barely speak English. Sent me username/password and I couldn't access my report. Went through 3 different browsers and it still wouldn't work. Then she put me onto 'Technical Support', another person who could barely speak English. That person went through exactly the same questions/troubleshooting (basic) then said she was going to put through to 'Technical Support'.

No one really likes credit agencies right?!? You make some mistakes and then your life is hell for years afterward, especially if you need to buy anything like a home or vehicle. But Equifax is something else! It doesn't appear to be a new issue that Equifax historically gives people the lowest credit scores. I've researched this, and time and again people are taking to the internet to write stories of how the Equifax score is substantially lower than scores with Experian or Transunion; sometimes up to 70 points lower. No one can really seem to figure this out and with so many bad reviews and comments all over the internet, it's amazing to me the company is making some changes, especially after their data breach. My experience is no different. My Equifax score is 55 points lower than with Experian or Transunion. They aren't reporting open accounts correctly.

My parents and I have been trying to log in since 2 days and their service is unavailable. We paid $24 each and they don't want to refund us after talking to them for 2 hours. ** cheap ** scammers. They have no respect for their clients. I can't believe we can't access a service that we paid for.

I gave MyEquifax the SSN, DOB and address - they failed to verify me online, and asked me to call customer care. Then their customer care asked exactly the same information and failed again. What's the point for me to wait half hour just got nothing? A total waste of time. Have to mail the photocopy for verification.

Every time I seem to go to Equifax to lift a credit freeze their website seems to kick me out or be inoperable so I have to call customer support and try and answer a million questions on every loan and credit card I have ever had past and present, min payment amounts, balances, etc. Experian and Transunion are extremely easy to use. I will most likely never use Equifax for anything ever again. Equifax has been a pain in the butt and even their supervisors are useless.

If I could give a negative star I would, they are the ONLY credit bureau that has been a horror story and caused me so much grief! I am trying to get a mortgage loan and my other reports have no negative remarks and all is up to date. I have stuff on my report with Equifax that is not accurate. I have disputed. 3 months have went by and still not removed. I call the company and rarely can get through because of the foreigner on the other line asking the same questions over and over. I get a different answer each time I call.

See prior reviews. My experience was the same horror story. Heavily accented agent speaking from a script kept me on phone for over 45 minutes trying to get me to remember CLOSED credit card accounts from years ago in order to temporarily lift my freeze. She demanded to speak in person to my husband, too, even though he has cognitive deficits, which I explained. We got confirmation numbers eventually so maybe we succeeded but I lack confidence. How does Equifax even get away with putting people through this? I was denied the first time I called, too, even though they at that point had elicited more than enough correct info (SS, DOB, address, current mortgage bank, current mortgage amount, all current credit cards--really, they already had gotten all of that out of me by the time they started asking about closed credit cards) to know for sure that I was who I was telling them I was. Truly a horrifying process!!!!

I was told that my old closed “paid as agreed” accounts on Equifax will remain on my report for 10 years after the lender has last reported it. I was just talking with a representative who won’t put in any disputes for any of my closed accounts because I have to wait 20 years from when they were paid off! I thought I only had to wait 10 years from when the accounts were closed but I guess that’s NOT how it works? I have 8 accounts I’d like removed that are between 2002-2010. TransUnion has removed them, why do I have to wait twice as long for Equifax to remove them?

Equifax is such a hoax! First off their website is not user friendly at all. They have different products all listed in different places. I had to call customer service to just find the product I needed. Not to mention that I was not able to create my account. Then I was told my credit card info was wrong. So I called back to find out why and they were no help. I got hung up on. I had to call 5 time! And was told my account was not verified and that I need to come in personally into their Toronto office to do it. Why on earth is would I do that, the point is the convenience of online. And they said it would take 7 days! Again the convenience of online would get it to me quicker.

I spent tons of billable time today trying to temporarily lift my credit freeze. I did it quickly and securely online with Transunion and Experian. Equifax is a hoax! Their online verification system is a loop that never sends you a code to access your account or reset a password. There are various phone numbers for Equifax that all lead to the same NOWHERE. I finally got a human on the phone who I had a hard time understanding and who was reading from a script to ask questions about long closed credit cards and credit inquiries. Like a normal person, I don't keep the exact dates of when I opened and closed things like a Nordstrom card from when I was in my teens, so that meant I coudn't verify my identity with Equifax. The other problem is that I don't carry balances on my credit cards, so they couldn't verify my credit history. This is like trusting the house keys and bank statements to a toddler!

I wanted to unfreeze my credit so I could get a credit card. I failed the set of questions they gave me to answer. I never have a problem answering the questions with the other 2 credit bureaus. They sent me a pin number. It did nothing. I tried to call for help but again answered the security questions incorrectly. My online Equifax account was disabled. I had to mail in documents to prove who I am. They temporarily lifted the freeze but my online account still doesn't work and says I have to contact customer service. Ugh. You call into customer service, can't answer their questions correctly (I think they just tell everyone their answers are wrong because I've never had this issue elsewhere) and are told the customer service person can't help you and you're disconnected. What a horrible nightmare.

Locked out of my own credit... Unable to verify me... 45 minutes on hold with someone in India... Solution... Fax in a W-2 and a picture of my license and wait week. How in this day and age can I not be verified on the phone. This is the worst customer service with agents who speak broken English-- and there is absolute nothing that can be done about it. Huge time suck. Go ahead and put your financial life on hold for 7-10 days while Equifax figures out that it's me. Really frustrating.

I asked Equifax to help me dispute 4 different accounts and they say everything is correct. No help. Equifax says it's all correct. I could be wrong but I rather not ask Equifax to look at my credit report.

I needed to unfreeze my account for all three credit bureaus. TransUnion was the easiest, Experian a little more complicated, but Equifax was almost impossible. First of all, their customer service is outsourced, so their representatives don't understand what you are saying most of the time. They read from a script and can't answer any questions that aren't on the script. Secondly, they require information about closed accounts from over 10 years ago for identification. Who remembers all loans and credit cards that were closed more than a decade ago?? Their suggestion for retrieving that information? Buy a credit report! Luckily, Chase offers something called Credit Journey that provides such information for free. Otherwise, they would have never been able to identify me. Oh, and when I asked for a supervisor on my third call, I was told there wasn't one. Worst customer service I have ever dealt with in my 62 years.

We purchased identity theft protection through AAA and Trusted ID that turned out to be a division of Equifax. Upon learning of the recent Equifax breach we decided to cancel their service and purchase a product from another more reliable company. We canceled the service and received a credit for the remaining period and were assured our account was closed. On Feb 1 Equifax billed our AMERICAN Express card $199.95 and said it was an ongoing contract transferred to them by Trusted ID. When I told them we had cancelled our account with them they said they had no record of that even though they acknowledged the credit we had previously received. They were only going to issue a partial credit until I insisted on speaking to a supervisor. They finally agreed to do so but only after spending nearly an hour on the phone with them. I would stay clear of this company!

My first name has 2 words. It was entered wrong in Equifax file by "I don't know who". When I sent the documents to set it straight and after a month of struggle, I was told that just because there is a space between 2 words in my first name, it will be considered as middle name. I was pretty disappointed and asked if my call can be transferred to the documentation department who verified my documents. She said she can only give email address. When I said that I need to speak to her supervisor, she told me to wait and just disconnected the call. Totally unprofessional customer service. Even after following everything as per the process, I still couldn't get my issue fixed.

It is better not to have any issue with your credit report so you do not deal with Equifax. All I wanted to do was merge files. Old sin to new sin. Who would know that is an enormous task. Their staffs have a "cannot do attitude" and ready to transfer you to anywhere once they see it is not an easy fix. The noise at the background is also irritating. I sent my document to them 3 times, Canada Post Express and Fax. I still have confirmation. They never got it till I lost the house I wanted to buy, and guess what? They didn't care. It is the worst experience I have had dealing with an organization.

I have repeatedly tried to put in a dispute and get no wifi connection message using Credit Karma. The item was removed from TransUnion immediately. I went directly to the the Equifax site and pulled my report. It shows no collections whatsoever although Karma does. After reading the reviews I am not calling them. This is obviously intentional and fraud.

I took only one-month subscriptions from Equifax, now they take money from the account every month and hesitate to give back and arguing with customer. They didnt give back.. this too hilarious and manipulating customer and taking money.

I would give them a zero if I could! Not sure why Equifax is allowed to collect data. I disputed an item on my credit report and from years back, 2014. The creditor removed the error from report, however Equifax updated my report as a current late payment for an account paid in full 2014. Equifax says the creditor sent this information, however the creditor says they did not. Despite creditor continually correcting the information Equifax will not remove. Equifax is violating the FCRA and getting away with it, no wonder they were breached. There needs to be another class action lawsuit against this company and the Gov't needs to hold them accountable. All they want to do is sell you useless products!

Equifax will leave old accounts on your credit report. My parent school loan is over 20 years old and still on my credit report. I do like Expedia but for some reason Equifax is still a credit company.

I had just created an account, as I could not remember if I had ever set up an account with the new system. I had gone through the process to freeze my credit report, and I was then asked to log back in. Of course, I was unable to log back in. So after the second failed attempt I called Support for assistance. They had me change my password. I then attempted to log in, and that locked my account, while I was on the phone with them. They were unable to unlock my account so that we could verify what the problem was. Their only recourse was to have me wait an hour. The entire time on the phone was 1 hour 45 minutes. This is customer service? They are making money off of my data and everybody else's. I wish there was some way to remove my data from their service entirely as I have no faith in their ability to secure or administer it effectively. If I could give them less than 1 star I would.

On January 16th I signed on & became a member so I could keep an eye in my information & found some information that was incorrect, so I called & had it taken care of. A week later when I received a letter telling me it was corrected so I returned to the sign in page & ran into a brick wall. No matter how many times I tried to sign in it wouldn't allow me to sign in. So I reset my information again & again & still it wouldn't allow me to sign in. After twenty minutes & a countless number of attempts resetting setting my password I finally was able to sign in & all I could think was holy cow!! After twenty minutes of hand to hand combat with the sign in page in finally got in. Now I have to ask why? No really why? What on earth could be so wrong with your sign in page that it would take me twenty minutes & a countless number of passwords be for it would let me sign in? PLEASE EXPLAIN IT TO ME SO I DON'T EVER HAVE TO GO THROUGH THAT AGAIN.

I had free monitoring after the equifax breach and had signed up for reduced rate credit monitoring. It had a "lost wallet" where you could enter bank account and credit cards. That system did not work for credit cards that require a 2 step authentication. Customer service did not understand the problem. I canceled the product.

Equifax has not removed a collection on my credit report that was paid off in 11/22/2019. I contacted customer service and it was horrible. I couldn’t hear or understand what what customer was saying with all the background noice they had. Horrible horrible credit reporting agency.

Horrible horrible...I know why people steal your credit information...These guys don't want to STOP THEM! All they want is to sell you their web protection for $19.95 per month. You tell them why you called and then they start selling. ONCE YOU SAY, "NO I HAVE IDENTITY GUARD FOR $7 A MONTH"..THEY TRANSFER YOU TO A LINE NO ONE ANSWERS!!!

I sent Equifax the bill. They keep telling me the company is reporting it. I call the company and they said they have deleted the account as paid and they have told them 3 times. Still, they have not sent it. I faxed them the receipt where I paid and the check receipt and it has still not come off. Was hung up on twice. Then the letter from the company said that said a zero balance, and everything has been paid so I disputed it for the 5th time. So they had told me company reported it and then when I called the company to ask them she said they are like that "We did not tell them that you owed anything. We told them it was paid and the balance shows 0 balance." With Equifax watch your credit report. They will put stuff on there that you already paid.

Have been trying to freeze my credit. Got locked out online. Had a code mailed to me. Have the code. Can't get online. Got locked out again. Called as the website directs. Told they couldn't help me over the phone. Asked to speak to the manager. "Benjamin" informed me he was the highest level I could speak to. TERRIBLE! What a monopoly using our own information!!!!

Locked out of my account. Placed a security freeze a few years ago. My log in info. No longer working. Call center is overseas useless. They want me to send a copy of my SS card and driver's license to remove freeze. Sending this to a company that has major security issues is unexceptionable. My credit remains frozen.

Contacted Equifax 6 times and all were totally incompetent to answer a simple question. How did my score down when NO changes were made to my credit other than I continued to pay down my credit cards which is a positive note.

Contacted Equifax, Experian and Trans Union all separately to remove a negative factor on my otherwise perfect credit report that was made in error. Three weekly check-in calls to Equifax they had no information to share, then an email to link stating update not deletion two days short of their 30 day allowed time frame. Over two hours on the phone with the dispute department over how they will not delete the issue on report because the creditor has not contacted them over dispute. Questioned if confirmation from debt owner that it was made in error would suffice to have item deleted from report..

They are no competent nor should be allowed to my data. I wish that there is a way to out them from the critical credit data game. They after a week of not validating anything replied with a copy of the fraudulent claim from Spectrum who is claiming I owed 39 dollars on a 15 monthly bill that I made sure to close appropriately. I had to pay because Equifax scorched my credit score. Incompetent and unworthy.

Although, Equifax is not the most favorable due to a security breach, I am entrusting them once again to protect my identity. So far LifeLock is the only one I have not heard of any security breach so I will definitely be making the change because protecting my identity is important to me.