Equifax Reviews

I was trying to get my free annual credit report, the website shows that my information provided does not match the information in the system and let me sent a proof of my identity and proof of address to the address of Equifax: Equifax Information Services LLC PO Box 105167 Atlanta, Georgia 30348. After what they officially said 5 to 7 business days of waiting (first time calling customer service), I got nothing changed or even "notice letter". Then I called customer service again and figured out this address WAS NOT CORRECT! Okay, fine, what is the correct address? PO Box 740256, Atlanta, Georgia 30374-0256.

First Equifax got me and my mother confused. They put her credit card on my credit report, we asked the credit company in question to please contact Equifax to get them to update their report. After Equifax was contacted by this credit card company and that information was removed they then reported that I missed a payment on a credit card I never activated. They invent problems where they do not exist, and make you interact with a website that never works and an automated phone tree that is horrible, getting to a person is difficult and once you do they are from the Philippines and have difficulty understanding you. I wish 0 stars was an option. At this point I'm going to try to convince the bank to ignore Equifax as they have me rated 126 points lower than all the other credit companies.

OK first off I am aware my credit is not great. I have spent the last couple of years working on it and it is coming up. My problem is Equifax shows my credit score to be 55 points lower than the others. My credit score is my credit score. How the hell can one credit company see my efforts to improve my score and reflect my efforts yet Equifax doesn't? My last report showed a 31 point jump up in my score and Equifax shows a 6 point drop... Get rid of this company. Give Americans a credit company that will pay attention and get with the damn program.

I had 2 fraud attempts on my account. 2 hard copy inquiries were done. All of the companies removed the hard copy inquiries except Equifax! I have the copies of the letters from the fraud departments where the attempts were made. I sent copies to Equifax twice, "We never received any letters from you or any companies." I am trying to purchase home and need this score to match my others and they will NOT work with me. They said they needed my credits' names and amounts to verify who I was even tho they had everything else. I told them I do not have any credit cards or payments. So I was told "then we can not verify who you are if you do not give us this information." WHAT! I dont have any for over 25 years. Are you stupid? YES!!! They repeat what they are saying over and over. "I can not help you until you give me this information."

Their employees there are not English speaking people first of all. I reported an unauthorized address change and Equifax contact credit company and said I was getting that card under false information and the card company stopped my card. This damn reporting company needs to eliminated from reporting for the millions of complaint received by the FTC and not is changing. Also this damn company give you one score on their site and when creditors run your credit it's a different credit score score. We need to collectively have this company removed from all business. It's too much to deal with.

I am sending copy of SIN and Provincial card and when they get it it says declined. They are both dark on my SIN and pic of Provincial card. I asked for new sin card. The rep at sin office said nothing wrong with them. I am so sick of them saying my photo and sin number too dark when faxing or photocopying them.

They have continuously denied my request to take a medical bill off of my credit report, even though TransUnion gave me zero issues about it. My credit score is constantly up and down, with them docking 35 points for $1 added but only adding 2 points for me paying off $400 in debt. They have no idea what they are doing.

Sent 2 disputes by US certified mail. Both were received as certified by USPS. Why 2???? First sent/Received 05/13/2019---05/19/2019. Second sent/Received 06/25/2019----06/29/2019. Spent 2.5 hours one day after being transferred 8-10 times from Nevada--India---South America----Atlanta. Asking for status of dispute, after 45 days in their possession. Spent over 3 hours another day after sending second dispute, same locations, no help. Personnel completely inept. Seemed unable to verify any information. Second dispute was there for 9 days. Could not offer any advice other than asked to send a third (3rd) dispute!!!!

I would not recommend anyone pay for any service with Equifax. They have to be the worst company I have ever dealt with. I have done several disputes on items that are clearly not mine nor have I ever had any contact with these companies and equifax does a sloppy rush job insisting they have reviewed the information and that it appears to belong to be. It's clear that they never followed the actual rules and did a proper investigation because if they did then they would have found the items to be fraudulent. Please do yourself a favor and avoid paying equifax for any type of credit services. It will be just a waste of money.

Equifax' office is located in Atlanta 10 min. away from where I live. My call was answered by someone in the Philippines who I can't hardly understand. I was placed on hold a couple of times because the representative did not know the answers to my questions. Lastly, I ask if I could go in person and submit the required copies directly since I felt uncomfortable mailing personal/sensitive information by mail. She said that she did not know and then said it was not advisable. I would rate this agency a zero for no access and customer service.

Good luck getting a dispute handled with this worthless company. Can never get through to an actual person, the website never works, the chat function is automated garbage that will refer you to call another automated machine. Equifax is trash.

Employment history ended 1993. Wrong credit info on introduction page of report. Won't let me see status updates... Promised to mail completed reports but never received. This 'company' has destroyed my credit history for the last 3 decades and there are no repercussions.... How is this possible?

Offshore Agent, Impossible to get my own information. Logging in online did not work because "the site is being upgraded." I called to find out if I froze my account (I want it frozen). Agent was hard to understand and couldn't always understand me. Asked me a myriad of questions, all of which I answered, but refused to give me any info because I could not tell her when the last time I asked for a report was (it was long ago). Then she proceeded to tell me I had to send in documentation at which point I hung up in frustration. Awful experience and I still don't know if my account is frozen or not.

This company is horrible. When I finally get an agent, it is difficult to get them to understand what you are trying to accomplish. Most of their information is wrong and their status check system just hangs you up.

I wish there were negative stars to rate Equifax. I have been trying for months to set up a free security freeze, of which a Bill was passed directing all of the credit bureaus to comply. I finally ended up calling and after 30 minutes of questioning about accounts that I had 20 years ago, he told me that he put on a freeze and that he was sending to me by mail a PIN to use for freezing and unfreezing the account. Long story shorter, I have tried multiple time to check the status of the freeze and test how I would freeze and unfreeze the reports online. However, I have not once been able to even access my account but always end up having to call them. Their answer is always the same, after verifying my personal information, they say their system is down, try again in 48 hours.

Equifax's "customer support" is filled with a bunch of ignorant people, who do not even know their basic policy procedures. I have been trying to get a removal of my credit freeze since the beginning of June. However, since I don't know the exact month and year I put the freeze on, I'm denied. Further, because I can only get one free credit report (I've used mine), the free monitoring trial I used to get a copy of my report apparently does NOT match "the official report Equifax has." So, when asked a series of questions about my report, I can't "pass the security questions about my report." However, I relay my personal information: Name, address, DOB, etc. But for Equifax, that is not enough. To get my information, I had to fax in a copy of my driver's license and social security card, and wait TWO WEEKS for an update, as I was told it could take up to 14 days.

I've been trying to get into myequifax.com for 2 days - and Equifax has done nothing but give me the run around. My password (which I had written) didn't work and I was locked out after the 1st try. Then they said they had no such email registered. After the 4th person, they said they did have my email registered. They finally sent me a link to change my password. The first try it locked me out again. Then they tell me I have to wait 24 hours - which I did. Now they're telling me I have to wait 48 hours. What the heck? These people are totally incompetent, and if you ask for someone in the United States - they say they are not able to send a link to reset your password. This company is totally incompetent and shouldn't have our credit information.

It provides absolutely no comfort to know that a company with such grossly inadequate IT resources and on-line experience maintains my personal credit information, which I never authorized them to see.

I can’t believe these people, control our credit reports. I had some identity theft and sent the police report to all 3 credit bureaus. Equifax is the only one that will not remove the false account opened in my name. I have disputed it several times and they will not remove the item. They have the worst customer service. My credit score is 80 points lower on equifax despite on time payments and all my accounts being current. Do we really even need equifax anymore really. Just shut them down already.

Credit is basically our life and future. Imperative to obtain the American dream. Unfortunately the American dream is handle by representatives from every place in earth but America. I don't really care much about that. My concern Is that I am not able to exercise my right to obtain information about my credit report, or open a dispute. They do not know who I am nor they believe anything I say. My data was included in the breach last year. My life has become hell when accounts began to pop up under my name and I have no way to dispute them because I keep sending Equifax via fax copies of my Social Security Cards and driver license number and explain the reason why I need my own information from them. I guess I may be because I am in the group of people suing them for that data breach fiasco. I hope it ends that bureau and a decent and proper bureau be born and help us move forward.

Equifax has continued to provide misinformation on my credit report. I have faxed copies of my passport, utility bills, social security card to them over 5 times. I have wasted countless hours going over the erroneous items with their representatives. Equifax representatives and managers have systematically continue to read from a script re-requesting (new Equifax term from one of their call centers in India) the same documents BEFORE they can assist me with the issues they created. Equifax has misspelled my address and has a phone number (only God knows where they came up with it) on my file. Because of this faux pas I do not have a credit profile with Equifax. Transunion and Experian both have my correct information and my score is in the 800s.

It is terrifying to think these people control our credit. You can't get an English speaking customer service agent. I swear they're all based overseas. I tried calling and kept getting a runaround. Couldn't understand what they kept asking me and then they said I should fax over copies of my social security card and driver's license. Yeah no that sounds like fraud. Not happening. Terrible company. All I wanted to do was undo a freeze I never put on my account. They kept asking for a PIN which I don't have. Then I couldn't even access my online account. I tried the chat feature but it kept disconnecting and never reconnected. I've emailed them. I've called and I can't get someone to help me. Who can we complain to for such terrible service.

The only credit reporting agency that absolutely refuses to give me a copy of my credit report or put a credit freeze in place. I had my purse stolen and they will not assist me. I spoke to a manager who was as ignorant as the first customer service agent. I am so angry.

I cannot believe these folks are in a position to control your credit worthiness. If you’d like to file a dispute with Equifax be careful, they’ll not only dispute that item for you, they’ll put fraud action on all your accounts at the same time causing you a nightmare. These people are idiots. Your frustration will reach new heights when you get someone on the phone. Broken, badly broken English language. Plain and simple misery.

When I found an incorrect item on my credit report, I tried to open a dispute with Equifax. Their system would not allow me to open a dispute through their website, so the site brought up another page where I filled in my information and submitted it. I waited about a month and did not hear anything from them. Not receiving any information, I again, opened a dispute. This time the dispute was accepted. Several weeks later, I received a dispute number. After attempting to view my dispute for days upon days, I called Equifax, and could barely understand the person on the other end of the line!

Equifax not only had 1 breach October 2016, they had another November 2018. In these breaches they allowed our personal information with SS#, names, address, phone, email and addresses with legal middle names to be sold to the open market by an insider and now hundreds in of thousands data brokers are either selling the information, distorting it or other hackers have it to use as identity theft or fraud. Equifax has taken no responsibility for their actions and refuse to remove inaccurate information from the report or delete or suppress files when police reports and notarized affidavits are submitted. They are a total fraud and con and continue with their fraudulent ways regardless what federal laws are in place to protect consumers.

I have been battling ID Theft since for about a year now. Try to navigate through this process is enough to make a person go insane. Equifax failed to put a fraud alert (initially) when I first learned someone was attempting to get a credit card in my name. I did not know they failed to place the fraud alert until months later, when my bank account was emptied & much more credit had been given to the thief.

Equifax showed two extra accounts on my report that I never opened. I called the bank and they said it was from someone else with a different name and SSN. I called Equifax twenty times and faxed all documents they asked for. After two months, they mailed me a letter saying they won't remove the accounts. Wish you guys the best luck in hell.

For about 2 years I have provided Equifax with a copy of my military deployed orders along with the rental agreement from my apartment complex. In the agreement the military clause was signed and stated. I disputed a false report dealing with Marc Inc in Wichita Kansas. When I receive orders to deploy Marc Inc/EastBoruogh did not acknowledge my orders and tried to charge my account a fee for breaking lease. When I provided my orders more than 60 days out before leaving this company gave me a hard time for being military.

Literally the worst agencies I’ve ever dealt with in my life. Their online dispute center has been down for months, it won’t ever let me do online disputes because “my credit file can’t be found”. When you call them, no one speaks English and has no clue WTF they’re doing, not to mention they want you to list every single account good and bad with payment dates, amounts, and lenders before they’ll even look into making a called dispute. I don’t even know why Equifax is still in business. They’ll nothing but a total joke and keeping people’s credit scores in less than perfect condition because all the things they claim to offer aren’t legit.

This company will do nothing for their customers. I had several negative accounts fall off my report. I saw an increase with the other 2 bureaus but not with Equifax. They never change your score when something positive happens in your file. And even though I have no new negative accounts, as my credit profile gets better it never goes up. I have called many times and the folks working there can never tell me why my score never seems to go up no matter what I do. When these negative accounts were on my file the representatives told me they were the reason for my lower scores, but once they fell off nothing changed.

I periodically check my credit report and noticed a hard hit from a credit card company I had nothing to do with. I contacted the bank and they said there was nothing they could do. They suggested I contact the credit reporting agency directly. I went online and filed a dispute with Equifax. After a week or so I decided to check on my dispute. I was unable to bring up any results and was told to call. Oh, brother! I spoke with a man who was not understanding my problem at all. He proceeded to open a brand new dispute. He gave me the confirmation number. I then asked him to check the original confirmation number I had given him. He asked me to wait and then cited a dispute from several years ago. I gave him the confirmation number for the third time and he said, "which dispute do you want to know about? There are 15."

How Ironic, Equifax is there to protect consumers from credit fraud and ensure a persons credit rating is protected against whatever malicious may be out there. The truth is, Equifax is whom the public needs protection from. For the second time in about 4 years have gone into the site to purchase a 1 time credit report I ended up being charged every month for "premier" service, the first time I called and they canceled it, the last time they canceled after trying for 45 min. to tell me the system is down, my info is not popping up, call back another time, the supervisor is not available and just trying to wear me down so I could go away, I persisted but would not reverse the charge.

Is the correct phone number for Equifax 1-800-685-1111 a scammer site or the real Equifax? These stories sound just like mine. I provided them with plenty of information which I thought was crazy, starting with my social security number, but could not provide all the details they wanted. I talked to two robo people and 3 real people. I was told to fax a copy of my driver's license, birth certificate etc. to prove who I was just to place a freeze on my account. I finally got off the phone in disgust. I already have a scammer on my computer so I was careful to call. Now I'm reading Yelp and can't believe it. I think there might be alot of fake Equifaxes out there.

I have been disputing something with them for the last two months. Now the other credit reporting agencies have removed. Now these I can’t say what I want to call them have added something else to my report. They have sent a reply. They need 30 or more days **. They are just not doing what they are supposed to. They must get off on keeping people where they want them. I have tried to look at what they say they have completed which was absolutely nothing. Nothing has changed at all thru them. They are worthless and have done nothing to resolve my issues. I have paid off a couple of collections and they still don’t want to remove them. CFPB has done nothing to help at all. I want something done or I guess I will have to get a lawyer. This is crazy. The worst of the worst.

Where should I start? First off I couldn't dispute items on my credit report that weren't mine because Equifax wants to know when I opened these accounts that aren't even mine. How could I possibly know that. Then I try and call and guess what? All their calls are forwarded to India so I couldn't understand a single word the person said and definitely didn't feel comfortable disclosing my personal information. Then after I did disclose my personal info the person started asking me the same questions that I couldn't answer online. What sense does that make? How could I know anything about accounts that aren't mine. I without a doubt would never send them anything in the mail as I doubt they would even do anything with it. Most useless credit reporting agency by far. Nothing but fraud. It's like they are being paid by the collection agency to make it impossible to remove fraudulent accounts.

Two months ago I tried applying for a home loan. The a bank with which I have conducted business for more than 20 years. I was informed that they could not pre-approve me because Equifax had a freeze on my account. At no time have I ever requested a such action be taken. When I called to have the freeze removed I was asked a series of detailed questions about my financial status. After 30 minutes my identity could not be proven to the satisfaction of the customer representative. I was instructed to FAX a copy of a photo ID and my Social Security card to a number that was not known to be secure. When I asked if there was a protected way for me to send this information I was told I could send it by mail.

Over a year now disputing Quantum Collections that place a collection on my Equifax Files. This was already paid to the original doctors. I provided bank statements to Quantum collection agency and Equifax but they both refused to see the truth. Collection Agency had never responded to my request for debt validations or provided any physical evidence to me but somehow Equifax believe this collection agency or they just as crooks. An honest agency would report accurate information, not Equifax. They lie about verifying the information dispute if they truly they would see that collection agency has no business trying to collect sometime already paid. I had send proof to both party but they won't remove this clearly inaccurate information. How can people business trust this company with so many complaints on file with the Consumer Financial protection bureau.

This is a sorry state. Calling customer service brings up questions to verify. After 30 minutes, the questions continue just to verify me. After which I am asked to send a driver's license and address proof to prove it's me who is on the phone. This is just to verify and view a dispute report that I can see online but can't view any details of. You guys are a disappointment.

I submitted a dispute and received an email stating the dispute was ready to review. I clicked on the link they provided, entered ALL my information, answered the security questions and then clicked on the dispute number. I was linked to a blank page. I attempted this process again and received the same results. I started an online chat and was told the dispute site was down and to call 855-332-4646 and spoke with a Rep, provided her with all my information, explained my situation and after all that she told me I needed to write a letter to Equifax asking for the result of my dispute. I explained that I received the email and because their dispute website is down, I shouldn't have to write a letter asking for my results.

I’ve spent two hours and 1 week on the phone trying to initiate a dispute. This because their website doesn’t work as advertised. Similar experience as all the recent calls. One lady asked for my ss #, birthdate and address over and over again. All while joking with someone else in the room. Finally got a confirmation number and a toll free number to call. Today I called the number and entered in all the required information. Then the voice said, “Thank you. Goodbye,” with the power these people have over our lives! Where is the accountability?

This company is not even located in the US. They Don't speak good English. They ask you for all your personal information on the phone. And then still ask you to send them a copy of your Social Security Card, and a copy of your Driver License. They must be out of their minds. Remember they are the ones who lost all our information to HACKERS! This company is located in the Philippines. The Main Office is located in Atlanta Georgia. They Don't care either! I am so disappointed in this broke down systems. And they have the power to judge US. And rate our credit score. Something must be done soon about EQUIFAX. I HOPE THEY ARE LISTENING.

About two years ago we got an email indicating Equifax had a security breach and our information was probably compromised, and they would provide us a year of security freeze on our account. That freeze was initially easy to place (Nov 2018). It was also easy for me, for my husband, to place security freezes with Experian and Transunion.

As far as I can tell they screwed up my info so when I do a credit search I don't exist with Equifax. Transunion and Experian handle my needs flawlessly. Every time I call them it's another idiot, I've tried calling with my banker who has my entire credit history. Still idiots.

My dispute has been ready for over 3 weeks now, and the company is suppose to mail my results. Instead they want me to view electronically on a website that’s been nonworking for over 2 weeks. I’m now being held up for a month based off results from a disputed I placed a month ago. The customer service is nasty and rude and refuses to help or offer any alternatives to solving my problem. I also will report to Better Business Bureau as well.

I filed a dispute with them about my report info. Email response said, "Investigation complete. Log in to Equifax to see results," -exactly as is reported elsewhere here. Equifax system is impenetrable. Horrors to think this nightmare sham organization has access to our "secure" data. Easy to see how it was breached. Unbelievable that our government is too busy playing games with each other to address real outrage. CLOSE THIS OPERATION ASAP AND LOCK THEM UP! Idiots and crooks the lot of them. And I'm not talking about just Washington's finest.

Unfroze my credit in less than 5 minutes on Experian and TransUnion. I've been on the phone all week with Equifax and still not getting anyplace. Their reps are unhelpful and unknowledgeable. They don't seem to do any case documentation to speak of and their own internal processes seem to contradict each other. I received a DocuSign document to correct some information on my report only to be told on my very next call that Equifax does not accept any DocuSign information. Who did I send my information to?

For 2 months, I've been trying to access Equifax's Dispute Center on their website, and, get nothing but the "currently service is unavailable" message. I finally paid Experian, which offered access to all 3 Credit Bureaus, and, sent my dispute. My dispute claim was completed, but, the email link to their website still gives me the "service unavailable" message. Their live chat isn't live at all. It's a series of pre-designated, computer-generated answers. The operators, at the number it gave me to call, don't have access to any of your file information, and, they tell you to keep trying the website. These are the people who control the information, and assign a score, that influence your life decisions. Based on their Customer Service, I can't imagine how they're legally allowed to operate.

I will have to say that to representatives that I spoke with today on April 25th, 2019 was very unprofessional on so many different levels. I called three different times and spoke with three different people and you could not understand either one of them. One guy sounded like he was talking to someone else while trying to ask me questions. The fact that I am a nurse and don't have a lot of time on my breaks I tried explaining that to him and it was like he didn't care. I asked to speak to his supervisor and was on hold for over 30 mins. To me that is bad management.

Called to unfreeze my account. Unfortunately, they were difficult to understand. Questions were not poorly worded and vague. Tried 3x with 3 different individuals all with accents that were difficult to understand. Denied 3x and now have to give multiple forms of ID etc etc etc by mail and then wait for approval. It took me less than 5 minutes to unfreeze my TransUnion and then Experian accounts. Very frustrating. Whatever you do don't deal with Equifax. They are not in America and will not help you.

I wrote a complaint against Equifax saying they were a fraud. You could never get anyone on the phone as all calls were sent overseas, though the company is based in ATLANTA, GA. This month my credit score mysteriously dropped 83 points without just cause so I called the DOJ and filed a formal complaint. These people are doing this to Americans trying to rebuild their credit scores and they're not even an American owned company. Hopefully the company will be fined and sold and restructured again. I would everybody exploited by Equifax to do the same.

For the last 4 weeks I have been trying to get Equifax to cooperate with my mortgage broker to release my credit report to them. I'm attempting to get pre-qualified for a mortgage because I am moving to another city in June. They're putting me in a position that I could very well have difficulty even renting because they are not releasing my report. I have provided all the information that they have asked for including sending in my driver's license and social security number. They tell me that the information that I am giving them for their security questions is incorrect.

I have been trying to get my address updated for about 3 wks. First two times, they said that they never received the fax. I'm still waiting on the last try. Three to five business days. No way to contact the mailroom to even check to see if they received it. It's a waiting game. Equifax is the worst of the three major credit companies. Supervisors can't help either. When you fax information it goes to the mailroom and sits there until they decided to upload the documents.

So I'm just reading all these reviews after many months of attempting to resolve a credit freeze issue with Equifax, and the story being told by everyone else is EXACTLY as it's played out for me too. Equifax can never 'verify my identity' despite being given exact data I'm reading off a balance or account sheet. At one point, I read the account number off my bank statement to Equifax and they still came back with, 'I'm sorry we cannot verify your identity because they information you provided is not correct.' This is criminal. Then they demand that you MAIL IN your social security card, credit card numbers, bank account info, passport, and more.... Does that not sound unsafe to anybody else??

I've had the same experience that others have had. This started 4 months ago, and continues to escalate. I sent in all the required photocopies of my social security card, my driver's license and utility bill as well as a cover letter explaining what needed to be changed. Of course get the usual email as everybody did saying it was changed. Along with this, I get a credit report with many inaccuracies as well as the wrong social security number yet again. All the same things that everybody else went through the site tells me they can't recognize me. The company says they never got the information, send it again which I refuse to do. I've been on the phone with non English-speaking people.

I have spoken to four representatives about a small mistake they made on my credit report, like literally all they have to do is change an incorrect 40$ balance, and it has taken forever and I get zero response from them. Every time I call they say they cannot verify my identity, which is why I faxed them all of my damn information, including social security card, weeks ago. Anytime I express frustration or ask for more of an explanation, the representative I’m speaking to repeats whatever script they’re reading over again. It’s like speaking to a very unhelpful robot.

Trying to purchase a home but found out my husband has a freeze on Equifax. Sent documents on April 1st. They said 24 to 48 hrs. Called every day then was told it would be 3 to 5 days. Sent documents again twice on April 5th. It's April 8th. Still told they don't have my documents.

I recently contacted this company due to an unlawful judgment that was put against my name. They claim to help people that have had the very same thing done to them but they are doing exactly the same thing. So now I have to prove I don't owe $20,000 To a phone scamming company dating back to 2003. This company is a scam!!!!

I had a vehicle loan with Tucson Fed. credit union which had a balance of $401. I paid loan off and closed the acct, within two days my credit score was reduced by 27 points, and the other comparable credit reporting agency lowered my score by 29 points. I was never late with a payment as I had a direct deposit to the credit union. I would have thought that my score would have gone up. I contacted the credit union and they informed me that the reporting agency was responsible. I contacted the agency that lowered my score and could not get a reason other than the fact that I closed my acct. This practice in my opinion will ruin people's credit which in turn affects their lives. I worked hard to acquire a decent credit score and in a matter of a few days the reporting agencies can destroy everything I worked for. I am seeking legal advice, this practice needs to be investigated.

I was trying to determine whether or not Equifax had continued to put a freeze on my account after their data breach in 2017. I could not find out whether or not my account was frozen. They asked me key security questions, which I answered correctly. They then asked me EXTREMELY DETAILED verification questions, such as the amount of my loan and credit card payments, etc., which I answered correctly. They then told me I had given incorrect answers to the questions, which I had not done. I know my data. They asked me to send a copy of my driver's license and social security card to them in the mail, which seems very risky to me. I have decided not to do that, especially after reading some of the comments here.

Called to unfreeze my account for 1 week. Unfortunately, they were difficult to understand. Questions were not poorly worded and vague. Tried 3x with 3 different individuals all with accents that were difficult to understand. Denied 3x and now have to give multiple forms of ID etc etc etc by mail and then wait for approval. It took me less than 5 minutes to unfreeze my TransUnion and then Experian accounts. Very frustrating.

I submitted a dispute to Equifax last week and received an email that my dispute was complete, but I cannot for the life of me access my dispute status on their website. I have entered and re-entered my information for verification purposes and it repeatedly tells me that my information does not match their records, so I can not go any further to view my dispute information. I have had this same exact problem in the past. I did try calling them, and 2 days in a row they told me the same thing "Our system is currently being updated, if you can call back in an hour we can assist you then." And I called at different times each day. I've tried emailing customer service, and the first auto-email reply said I would hear back from someone in 24-48 hours and I still have yet to hear anything from anyone. It's just been a nightmare attempting to get anywhere with these people.

I have been trying to temporarily unfreeze my credit report for days. Using the 10 digit PIN provided by Experian and TransUnion was a breeze. Equifax on the other hand is a nightmare. Customer service is practically no help as are the supervisors. I would not recommend using this company for anything. A total waste.

In February I contacted Equifax after reviewing my credit report, I noticed that they had a lot of old information that has not been removed. Also they reported duplicate derogatory marks. I communicated with him to let them know that the information they have needs to be updated and after looking at what is being reported that system seems to be two months behind. As it is February but their last update shows December. They had me answer a series of questions and the information they had me verify was all incorrect, they said that my birthday was wrong in the system - how could this be - I would never put my incorrect birthday into their system. It didn't make any sense to me.

I'm really devastated about Equifax who released my credit report to Toyota without my SS# so anyone can come and pull a hard copy of your report without your consent. The credit bureaus are only protecting the financial companies, not the consumer. This system of credit reporting is totally unfair if it is only working one way. I called customer service and they asked me a ton of questions to verify my identity when they release my information without the proper one. If anyone has the same experience please let me know. Maybe it's time to sue them, maybe this will make them better.

If you try to use Equifax's online system it's a crap shoot if it works or not. I had to dispute several amounts that were already paid but still showing up on my credit report. The first time I tried to dispute these online with Equifax their system would throw security questions out at you, some that are incorrect but I have no way of correcting these random security questions and would be barred from my account online for not having the correct answers. However, the next day I tried again, received more random generated questions that were correct about me and was able to finally get in.

In an attempt to better protect our family's personal information, we signed up for the Equifax Complete Family plan. After entering my information online, I was told that I needed to call the Customer Service number that they provided to finish verifying my information. After waiting on hold for over a half hour, I was informed that I do not have an account with them nor do they have a record of me creating one. However, according to my bank, Equifax did take $19.99 out of our account for this service. After talking with their customer service again, they told me that they were referring my case up and that I would have to wait 24-48 hours for a response to see if they can resolve this issue. Lesson learned, go with a more reputable company if you want identity theft protection.

I don’t often need to unlock my credit freeze but in an attempt to buy a new smartphone with a new carrier, it was required. 3 trips back to the store found my credit still locked with Equifax. Yes, I’ve also had those frustrating phone calls with the Equifax rep trying to prove I am who I say I am. And yes, my information is never good enough. Why do they give you a PIN number, then never ask for it or use it to get around all of the BS. Initially, I blamed the phone store for these issues, but it has become more clear that the problem is Equifax. They SAY they have unlocked my credit but never seem to do it. Now I’m trying to sign up for Social Security on the government website & Equifax strikes again! You’d think companies that check our credit would learn how bad Equifax is and use the other agencies—or at least know enough to inform us that Equifax is the problem, not them.

I am stuck in a never ending customer service loop with Equifax Canada. Somehow my account has been frozen because of suspicious activity. That's good I guess, however I have made 5 painful phone calls over the course of 20 days and there has been no resolution. I am now told to wait another week. I cannot access my account nor can I cancel it due to this appalling service. So now I am in a position where I am paying for absolutely nothing. The minute I gain access to my account I will be cancelling it. Do not pay for this product if you expect support.

Some "How to" information regarding Equifax... I am still on hold with Equifax. I initiated this call over 90 minutes ago. I spoke to five different people so far. The last is Rocky, ID # **. He is the first person who was able to understand my request, because he was located on the Mainland of the United States -- not in some foreign country.

I usually get my score update from Credit Karma, however I took a look at my updated score and it dropped 80 points for using 50 dollars on one of my credit cards. The purchase wasn't even for me. I have the Exact same thing reporting to Transunion and my scores actually went up for using the card, therefore I believe this scoring system is a Government Conspiracy, they are deciding who gets credit. I'll fix it with my knowledge and months from now. But this is just ridiculous. It's Unfair! Just when my scores were back in the 600s. Round 2.

This company is literally the worst. How can a company charged with safe keeping our data outsource it to a foreign country? I have a verified account but when I go to dispute something it says my information doesn't match their credit file! Complete garbage and should credit information should never be outsourced to a third party. Scam! Website never works and the representatives from India are zero help. There needs to be congressional investigations into this company. I have never had problems with TU or Ex. This company needs to be shutdown immediately before even more Americans have personal information compromised and sold to Russia, China, and North Korea.

Any agency that is responsible for protecting my personal information as a requirement and now offers a monthly fee service to "better protect" is not an agency worthy of holding any of my information in the first place. For those who want free protection, they can freely lock their account at each of any credit reporting agency. Just make sure to keep your password/pin or it can be painful to unlock. I find that if any agency cannot "absolutely" protect my account 100% they should pack up, close the doors and never open another business anywhere on this planet.

I filed a dispute through Equifax last months. I have received numerous emails that are automated telling me I can review my status. Whenever I hit on the link and fill out all of my information along with answering all the questions, I receive this message, "System Temporarily Unavailable. We are currently unable to process your request. Please try again later. We apologize for the inconvenience." I then go back to the email which transfers me directly to the Equifax website and hit the dispute status button and fill out all the information again and get the message, "System Temporarily Unavailable. We are currently unable to process your request. Please try again later. We apologize for the inconvenience." This has been going over a month now. Why not send us an email that we can respond to or a number to call or don't send the emails at all.

It is unfortunate to see so many negative reviews but it's nice to know I am not the only one that has had/is having, a terrible experience with this so-called company. I recently moved to a new Province and was hired by an insurance company. In order to be able to sell insurance I had to write 2 certification exams and then a government exam. I passed all the exams yet I am still not able to get my license because of Equifax. In order to get my license the company I am employed by needs to do a credit check which they are unable to do because Equifax has my wrong year of birth. Therefore, I am unable to work.

I had/have a fraudulent account listed on the three major credit agencies - Experian, TransUnion, and Equifax by an organization called LVNV Funding LLC. July 2018 Certified mail was sent to LVNV Funding LLC asking for a dunning letter of proof they were authorized to collect this debt and that this debt actually belonged to me. As of November 2018 no response had been received so I challenged the entry on all three credit reports - Experian and Transunion deleted the entry after their investigation. Equifax not only left the entry on my credit report, but lowered my credit rating.

I have faced my driver's license and social security card to them and haven't gotten a response back in these 10 days. Even though I have a fraud alert on my credit that I'm trying to remove so I can get a vehicle. They told me it would be processed within 5 business days. No one on the line seems to be able under what I'm saying because there is a huge language barrier, that's extremely dangerous and unprofessional, especially since I already have a fraud alert on my account. It's sad that they can get away with holding up people's lives.

It is so terribly sad that this company will drop your credit rating at the drop of a hat. As a small business owner, I have paid nothing late. I don't qualify for low interest rates because this company doesn't look at 18 years of hard work and paying bills. There is no way to fix what they report. It seems a conflict of interest to pay Equifax for anything. Who monitors them anyway.

Equifax sent email to indicated their 1 year free service, after Equifax failure to protect our information, was being cancelled. They said they would remove the lock on my credit bureau and I could get at no cost a security freeze. I filled out their form and created a password and the screen said I was unable to verify code sent to my email. The code was never sent.

Firstly, I'd like to say that I worked in customer service for almost 10 years and know how tough the job can be and how little say the representatives have in the processes they're asked to advocate for & present to often-frustrated end users. That said, Equifax is by far the worst process I have had to deal with regarding customer service. The online tools don't work, the phone queues are ridiculously long (called on different days at different hours and had the same experience), the agents read from a script and have very little flexibility in what they can do to assist the caller & the same goes for their supervisors.

We were offered "free" membership in the Equifax TrustedID program and advised we should freeze our credit to protect us. Then we could never unlock it despite being told we could after doing everything they told us to do via their website. Calls to customer service did not resolve the issue and were further frustrating. Emails to customer service were also useless.

Very time sensitive case and EF just couldn't possibly care less. Out of this world. I have dealt with a lot of companies, Equifax is off the charts. If you can - avoid Equifax! Couldn't possibly care less, and the people on the phone probably don't even know what company they're working for. Horrible horrible service that ends up costing me couple of thousand dollars because they delayed my closing. Thank you Equifax - never ever ever again!

This is a terrible company. Why would I waste my time calling over a simple question they can’t even answer without sending my life story in. When will my credit update was the question and I had to give everything up for an answer!!! Terrible, terrible company. I hope the owner sees this and realized that India isn’t the place. 1 you can’t understand them and 2 you can’t even answer a questions that is so simple to answer!!! Never will I ever use you guys for anything ever!

Recently, I found that this company cannot even keep my name straight. In addition, their records show the wrong name for my previous employer and the wrong address for a PO Box I used in the past. After sending multiple letters and documentation showing my name in passport, Social Security Card and driver's license, I still have not managed to get my name corrected. To add insult to injury, in their latest dispute confirmation letter (1/11/2019), they even deleted my previous employment record. It is remarkable that an organization designated as an identity-and-credit arbiter, can be this inept at acquiring and keeping accurate information on us. The US Congress should investigate their function and purpose in an effort to make them more accountable for safeguarding our information.

The worst customer service of any company I've ever dealt with. First of all, every call taker is based in India. Equifax is an American company holding highly sensitive data about nearly every American and they are putting a foreign country in charge of all our private information including addresses, employment information, social security numbers, salary info, credit card data, etc. None of these three agencies should be outsourcing our personal American data to any foreign country or vice versa. We don't have Americans holding the financial information of every Indian citizen in their hands. Think about that for a minute. Cleary they do this to save money, however, they are putting all of our financial data at risk, which may be why they have had so many security breaches in the past.

Took 2 days and 6 phone calls to finally get freeze off of our account to lease our car. How can this company continue to stay in business. Horrible service representatives who come across as uncaring. How do I go about getting the freeze permanently removed?

This company "if you can call it that" should not be in business. Especially if they dealing with "YOUR" private data. They never get anything right. Their website login never works right. They will call personal loan companies home mortgage companies and have even people with close to your same name's stuff on your credit and take months to fix it when they admit that they did it by "accident" just because of the name. Hello we have different Social Security numbers!!! I could go on and on but I'll let you decide.

These folks are the biggest dealers in private information in the world. They are notoriously incompetent and intentionally unhelpful in everything they do. Never put a freeze on your credit with them. They will use it to sell you services and will make it next to impossible for you to remove the freeze.

Recently, run a credit check for my Apple product with Equifax via Citizens One Loan, I got a decline saying not able to pull up my credit file. Upon talking to Customer Care Agent and Supervisor Amanda from EQUIFAX, I got to know they wanted to verify my personal information like my full name, SSN, current address, DOB and what not (which I gave them over a call, that to a couple of times), as they didn't have correct information on their records and I was asked to submit my personal documents over email/fax. All I asked was a return email from Equifax stating that they are not able to pull my records and hence asking me to send my personal documents via fax/email. I was ready to share my documents copy if they reached out to me via email.

Never authorize a security freeze with Equifax. I have now tried several times over several months and they simply cannot find me in their system. As a 50+ year old I have had credit for decades and to have some 'customer service' rep in a foreign country that I must be mistaken about previously having credit is a total waste of everyone's time! I have provided 5 previous addresses, a TX driver's license, my SSN, my birthdate and my freaking shoe size and they still can't find me but they are still refuse to allow potential creditors access to my "non-existent" credit report. I repeat, NEVER authorize Equifax to place security freeze on your account if you EVER want to purchase a house or car again! They provide the absolutely WORST service from any company with whom I have dealt!

I was never told that my Equifax account had a security freeze placed on it until I tried to lease a car. What is the purpose of these credit monitoring companies? Seriously? When the dealer ran my score I had excellent scores from the other 2 agencies, but my Equifax had a freeze on it. So I called customer service and spent a LONG time in their automated crap service. All that did was waste 30 minutes. Then I went online and tried to figure this out. The other 2 credit agencies were easy to navigate and I could see that everything was fine with my account with them. Equifax online gave me an error and a phone number to call.

About 2 weeks ago I called TransUnion and Experian to have a fraudulent account disputed and removed from my credit report, both of those experiences went smoothly. So today I decided to call Equifax with the same dispute. I waited 2 weeks because of various reasons: work, plus I’ve heard they’re difficult to deal with so I needed to wait until I had a day off... Anyway I eventually got placed on a line with a non-English speaking gentleman (go figure) who couldn’t understand anything I was saying, making the multiple security questions a 2 hour long process to get through. By the time I had verified who I was to their satisfaction, I was finally able to tell them I wanted a 9,000 charge from Alliance One removed based on false information.

It's VERY easy to commit fraud and freeze your account after fraud with Equifax, but when it comes to clearing the fraud from your name and unfreezing it, it's virtually impossible. Every customer service department has given us the runaround, the website won't allow you to create/use a login. You have to unfreeze or dispute anything. All in all, it's been over 12 years, we've faxed them (mail or fax are the only options), all the documents they've requested, numerous times. We've wasted days (not hours, but DAYS) on the phone and we've come no closer to having a clear credit record or a record that an agency can check (due to the freeze) when we need it.

My credit score has dropped over 100 points in the last 6 months even though nothing has changed and I havent missed a payment. It is 100 points lower than TransUnion. I filed a dispute over a month ago and havent heard anything back. Trying to get through to a person to talk to has been near impossible. I finally got a hold of a person and I've been put on hold 4 times. No answers. No information on my dispute. I hate that this credit bureau has the power to ruin my ability to get a mortgage or a loan and yet isn't accountable to anyone and doesn't even make an effort to be available to customer inquiries. The only way to get a hold of anyone is mail or fax? What year is it?

Today I received another one of Equifax's stupid "Credit Monitoring Alert" emails. I logged in to my account to review the alert. As always, it was another content -free bunch of jibberish about a bank I've never heard of doing something to an unidentified account. Against my better judgement, I called the "Customer Care Team" phone number provided in the email. An hour and a half later, after speaking to two call center reps and two "supervisors," I still don't have a clue as to what this alert is all about. It's no wonder these idiots were hacked!

I urge anyone with issues to report them to https://www.consumerfinance.gov/complaint/. Equifax keeps changing the dates of old debts, doesn't investigate correctly, put a fraud alert on my report which I did not request. No changes and my score dropped 70 points. I keep disputing and nothing changes. I cannot log in to my report online.

My credit score has dropped almost 50 points in the past month. When I go into my report it shows no changes. I have not done anything to my credit. I have no new loans, credit cards or any type of new credit opened. No new delinquent accounts. And I am in good standing with my accounts. I called Equifax and they could not explain to me why this happened. My credit score was actually getting better. I have reviewed the report... No changes but score has dropped 50 points or more for no reason.

This garbage agency FROZE MY WIFE'S CREDIT WITHOUT HER ASKING THEM TOO! Getting them to change back is horrible. They are making her fax a bunch of documents to prove that it's her. The worst, something needs to be done with it.

From my experience Equifax is the worst credit bureau agency. I can't properly interact with them most of the time I attempt to because everything I know about myself isn't good enough for what's on their record. Even though the questions they have on their record doesn't have anything about me, completely inaccurate. I put in dispute after dispute for the same two collections on my credit that's showing opened but was closed on the other two credit agencies file because of a bankruptcy I had back in 2016. It's almost 2019 in a few weeks.

My spouse and I tried to place freezes on our accounts online, got messages that the requests did not go through and to call the toll-free number. We spoke to customer service (sounded like a call center in India) and verified all our information, they said that they needed to "update information" before they could process anything. They already have all this, but they won't reveal what needs "updating". Both other credit agencies placed the freezes immediately, no problem.

I called Equifax 6 times to remove a credit freeze. It is still showing up. I have been turned down for credit because of this. When I call, I have to explain the same thing over and over. It is frustrating. I have been told about the updating of their system. And, when I said, "for 3 months?", the representative was silent. They know what is going on. They aren't doing a good job of damage control. You cannot view the results (I was receiving them every day with different reference numbers) only to get a message, "Your file cannot be accessed, try later. You cannot upload information anymore."

I froze my credit with all 3 bureaus due to Equifax's reprehensible security breach. Now I need to lift the freeze and they can't/won't do it. I submitted the proper online information, it says the lift has taken place, and yet, when a company tries to run my credit, Equifax continues to report a freeze. I have called Equifax 4 times now, and every time they say that their system is updating and they can't access my account for an hour. It's been 3 days, and every time they tell the same lie. Their system is clearly overloaded and they don't have the structure necessary to meet demand, so they just lie to consumers to push everyone off. Last I left it, a manager is supposed to call me back. I'll update this review and eat my hat if that every happens.

I froze my credit account after the security breach at Equifax. I'm in the process of refinancing and I have attempted to lift the freeze on several occasions without success. Their representatives are not well trained and their supervisors, instead of resolving issues just send you back to the automated phone number placing you once again at square one. After my initial call I was told the freeze would be lifted later that day and after the second call I was told to submit proof of identity via fax to a number that didn't work at which time I was then told to email the documents after I was initially told I could not.

On my Equifax report I have debt collector Pinnacle llc collecting for Verizon wireless in 2014. I have made 3 dispute claims with Equifax and Pinnacle and it still remains on my report. First attempt 2017, second July 2018, & Oct 2018. Each complaint gets returned correct debtor. That is not factual. I'm telling Equifax & Pinnacle. It's fraud and filed with the FTC for documentations. I spoke to Pinnacle () whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like Transunion has done as well as Experian and with only one dispute filed.

Had to freeze credit history after EQUIFAX was hacked. Unfreezing was supposed to be easy requiring some data and PIN number. It has been anything but. Took SEVEN tries to unfreeze account when applying for a new credit card, plus many different customer service reps and supervisors over three days. Even then they failed and had to be called, again, to freeze it. Starting from ground zero again it took three reps to report the unfreeze. Never took place.

After filing multiple disputes regarding an account showing current and joint, that was discharged in a bankruptcy nine years ago, I now cannot view my results. Apparently their website is as difficult to access as the customer service reps they utilize. I can understand how this agency had the leaks it did when they contract out overseas to put delicate information right into the hands of who knows! Furthermore the impact the misinformation they display has on our day to day lives. I don’t understand how the government allows them to stay in control! Well I have contacted an attorney and appropriate remedies will be sought should they not correct my information. Then to top it off after sending my proof in to them for my disputed issue certified mail along with a copy of proving my identity, they still can’t get my personal information right. Totally inconceivable!

I told them they had incorrect information on the credit record they have on file for me and provided proof. They sent me a notice that they had completed my dispute and gave me a link to review their results. To see the results I had to give them my name, address, social security number, birthdate, and address. They followed this with five so-called identity confirmation questions. I then received a message saying the information I had provided them is different than what they have on file so, they would not allow me to see the results of my dispute with them.

This is the bureau that leaked hundreds of millions of citizens' private information. So when you try to use their online services they force login errors, "Sorry we couldn't verify who you are at this time," to discourage users and provide an excuse for withholding services. And yet somehow if you buy a membership they can expedite the process. Just pure bullcrap and corruption.

This company is unprofessional and incompetent. My first call was Monday 10-29-18, while trying to get a new truck loan. First I tried to unfreeze my credit report via online. No success. When I called I was told the whole system was doing an update (in the afternoon on a business day, WTH) and I would have to wait 30 minutes and call back. When I did, of course had to go thru the whole list of questions and crap. When done, they said they lifted the freeze and I even got a confirmation #. The dealership tried multiple times to check credit. I went back on Tuesday late afternoon. AGAIN, I had to get online, but this time it let me log on. Got the freeze lifted for 7 days. Waited two days and multiple checks by the finance and dealership. Still no lift.

I pretty much had the same exact experience that Renee of Dallas, 10/25/18, had. I was applying for a 'Chase Freedom Visa Signature Card and Chase sent me a letter telling me that I had to call Equifax to either or temporarily my freeze on Equifax sharing my credit information with anyone. I put the freeze in place originally because of the massive security breach had a few years ago and all the local and national news talking heads told us that was one way to protect myself. So, I contacted Equifax per the number on Chase's letter. First they requested the 10 digit PIN on the letter they said they had sent me when I did the originally online freeze of the distribution of my credit info. Who the heck reads or keeps all the stuff that every entity under the sun sends you nowadays!? I don't know where the heck that letter is!

I have a fraudulent account on my report and Equifax will not remove it. The other 2 reporting agencies removed it immediately, but this unethical agency will not. They say you can add comments but so far after 3 years, I cannot get anyone at this agency to do what they are legally required by law to do. Why is it that these big companies do not have to follow any laws? They clearly state the consumer rights, but the problem is getting them to comply. They just ignore the disputes saying they did the 'research'. How in the world do they decide a fraudulent account is not? Luckily, most lenders know this company is incompetent and do not even use their report system.

I went through Annualcreditreport.com and received two of the three reports, no problem. Equifax, however, would not provide it online and is trying to strong arm me into paying them from simply wearing me down with frustration in hopes I'll just pay to get what I want. The instructions clearly state, "If you close your browser it will no longer be available online." Great, got it! As I was filling out the security questionnaire a Chrome extension popped up. I closed the extension which caused the Equifax questionnaire to start over but did not close the browser and had never caused any problem with any other site before. I filled it out once again only to receive the message I would not be allowed to receive online now even though the browser itself was never closed.

How is it that my credit is with a company that uses foreigners to talk to and you cannot understand a word that they are saying. I turned in a dispute, but by the way I had to do Webmail for this, because their security questions wants details such as how much was my monthly car payment 6 years ago. How the hell should I remember this. Or you had a mortgage in 2012, who was that with? I remember that it was bought and sold several times, so I have no clue who had it last. Then when you call, they ask these same damn questions. I have a dispute case number and an email stating they have closed my dispute to contact them for the results.

I called the Equifax number yesterday. After verification of identity, I inquired about a previously disputed item. Lady told me a charge off stays on record for 10 yrs. I said 7 yrs. She argued with me. Then she apologized and acknowledged I was correct. So then she counted out loud, saying that a CO from 2011 will fall off in 2019. I corrected her math. She apologized again. My only question was when it was on record until. After many hesitations and dates, she finally said December 2018. It's as though they don't accurately educate the people that are supposed to be helping customers with their credit reports.

I can't prove I'm me to Equifax and I've come to conclusion I don't really care if they can't prove I'm me because I know I'm me and I will continue to file disputes when I see my info being used in a fraudulent manner. I just have to accept I will never see results of my disputes. I half way understand now why they were hacked; any company that operates the way they do deserve whatever they get. I hope the lawsuits tank the company because certainly deserve it.

I called and went through my security questions and tried to dispute a hard inquiry on my account, they skipped over that and put a freeze on my credit account so I have to call anytime I want to use my credit. That was fine but they never helped with the hard inquiry, then they told me they never updated my name from when I got married 2 1/2 years ago. They made me talk to someone else who couldn't access my account using the same info I gave the last person. It went on like this for 45 min before they said they would transfer me to a supervisor of the supervisor because they were incompetent as well. They then left me on hold for 40 min before I hung up and called back which they then argued with me and told me I had the wrong information for my account again. They then put me on hold for another half an hour. So basically in 2 hours all I did was make it even harder for me to use my credit account since they don't even have the correct name.

I am trying to close on a home and for some reason Equifax froze my wife's account. Sent SSN and Driver's License to a fax number only to find out that it should be sent to a different fax number. Worst customer service I have ever had to deal with and most incompetent staff working to clear up these disputes that EQUIFAX HAS CREATED.

For months now I have been trying to get Equifax to correct an issues they created during a Sunday (upload/download) of data of my credit file. I’m in the middle of trying to close on a home and they stated that one of my new accounts had been in a bankruptcy. This account was not in a Bankruptcy and to make matters worse this account is only two months old which make it appear as if I have been late as recent as two month ago (while I’m in the middle of trying to close). This is severely impacting my score and Equifax is giving me only two options which is dispute it (which I can have anything in dispute status because again I’m trying to close on a home) or I can send in documents stating this account is not in bankruptcy. (Mind Blown!!!)

I got an alert from Credit Karma that a new credit inquiry was added to my Equifax report from AT&T. This was alarming to me because I don't have an AT&T contract and didn't try to sign up for any. This inquiry did not show up on my TransUnion report. I immediately went to the Equifax website and filed a dispute. Then I called the fraud department at AT&T. They verified that the info listed on the inquiry was them, but they searched their system for my personal information and couldn't find any record of anyone applying for anything with my name or social.

Identity? FIX. YOUR. WEBSITE!!! I don't want YOUR customer service rep to aid with a dispute. I cannot file because of YOUR website and multiple confirmations from YOUR reps. I am who I say I am; YOUR website fails to recognize this. YOUR reps fail to have a major criteria for customer service, complex thought processes and problem resolution! A minor detail, I was being transfer and asked for the phone # in case disconnected. I was given 7 digits. Dude, I need 10 of those. After runaround and being put on hold multiple times. I was told "It's kind of confidential".

EQUIFAX sends passwords via US Mail. That's right. I'm been a victim of identity theft since 2014 when our social security numbers were stolen to file false tax returns. Every year, there's a new theft. Using the automated system, I input my social security number & the just the number of my home address. Took 3 seconds. I signed up for a service with the USPS so that I get an email with an image of the mail to be delivered that day. There was 2 Equifax letters. My husband received his, I did not receive mine. More identity theft! It's useless to speak to a human who speaks English that is understandable. (My grandmother was from the Philippines). So to recap: Equifax uses cheap reps in other countries who speak but can't seem to understand their US clients. I have recorded phone calls. They are holding my info hostage. Next up is I file more reports and hire an attorney.

Dinged for a closed, paid in full acct 9 yrs later? Unreal. I left Aspire Visa due to extreme dissatisfaction and paid my whole account off in time and in full to be done with it. That was in 2009. So I get a notice from Credit Karma earlier this month lowering my score for having closed the account. I tried calling Equifax to speak to someone about this outrage, and you can imagine how far I got with that. And now there's magically nothing showing on Credit Karma for me to do my dispute thru their app. What a screwover; an honest, responsible account holder can possibly win at this rate.

When I tried to get a loan I found out that in the Equifax report is error when trying to pull my report. So I was suggested to call Equifax to fix it up. So I did. First of all communication is almost impossible because person on a phone didn’t understand what I’ saying. I had to repeat and spell my name and address maybe 5 times and still I’m not sure if he got it right. Then they told me to send fax with my SSN and ID. So I did, few days later I called to check it out and found out that I was given wrong fax number. Fax it again and called again few day later and still they didn’t have my information corrected. Still waiting and my loan already gone. I just can’t believe that Equifax screwed my life.

Our son went to the bank branch we deal at to talk about getting a loan. They were told Equifax would call to get information. Now this is where the story goes south. The Equifax person mixed up our son with a cousin of his and then went on to accuse him of trying to do identity theft when in fact it was the Equifax person screwed up. Makes me wonder what kind of people they hire. Completely unprofessional.

I have worked with all three agencies, and this is by far the WORST regarding eliminating incorrect data from files. The other two removed my dispute immediately. With Equifax, I have had to call 6-8 times, send a fax with my SS card and my license, and speak to numerous customer service people. I still have not had a resolution to my credit dispute. I even complained to the BBB in Georgia who were less than useful. And, yes, they comprised my data last year so my SSN and info is already out in circulation.

Equifax refuses to delete a consumer statement from my credit file. I have been trying to get it removed since July, every time I’m told it will be deleted but still remains. They are doing the same thing to previous address on my credit file as well. Equifax sends me a reinvestigation of results showing deleted information but when I check my credit file it has not been removed. This company is the worst at handling consumers' personal, private information. They lie and violate our consumer rights.

Equifax deleted 4 out of 9 accounts from my credit report, put hard inquiry by Equifax mortgage and dropped my credit score from 811 to 655 after numerous calls to fix this issue in the past 11 months.

Well first there are no people to speak to that are English speaking so I'm assuming all jobs are not in Canada which is terrible when you are dealing with your life... So my score keeps going down daily can't figure out why... My husband turns out had two separate accounts in his name... I had collections that weren't mine. I have letters from that bank that said no late payments and they refused to take late payments off even after investigation. They could figure out if my acct was to be paid monthly. I was being charged late every two weeks because of a bank error. Could not make them understand.

I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. I initiated a live chat on Equifax website and the agent's response was to call Consumer Service Department. I informed her I was deaf and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call.

I moved 8 years ago, luckily I know the people that bought my old house. Equifax sends a letter to my old address. The letter basically states, "This is what we have for your new address and this is what we have for your old address." So they mail it to my old address? Then the letter gives a phone number that is nothing but an automated line. All I can say is WOW.

I have spent the last two weeks trying to get my online account unlocked. None of the verifiable question are correct or have anything to do with me. I have spoken with numerous representatives, all of which refer me to another department, avoid answering my questions, not helping me at all. Then when it comes time to take the "survey" they are asking for, the line is disconnected. (I know right? Say it isn't so LOL.) This is a "for profit" company that has all our personal information (incorrect, I might say), has been hacked several times, is used by numerous businesses in making life changing decisions about us.

Violate the Fair Credit Report Act. Equifax are to reinvestigate the negative item shown on my credit report and to provide Proof of accuracy of verified items by providing original signed contract/agreement with wet ink signature or to remove any and all negative items where contract could not be provided. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. I think it unfair for Equifax have false information on your credit report.

Called by a potential employer who informed me that Equifax has a security freeze on my account. Called Equifax to have freeze lifted to find out that they don't have a freeze on my account. In fact, they hadn't updated my account since before November 2017, what happened to accurate updating my credit? Still had my old address on file (which had been updated with everyone else) refused to update address, informed me I had to fax in documents for proof for security purposes but didn't hesitate to ask me a million other private questions that validated who I am.

I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I’m told my information doesn’t match, which is BS. I was successful sending one dispute online and received an email saying it was ready to be viewed, well that never happened. Email says I have 30 days to view it, upon trying to do so I’m greeted with the famous Equifax message saying my information did not match what they had on file. I am so fed up with Equifax, they make it nearly impossible to dispute or view your dispute which is required by law. I hope this company goes head over heels, they have no business handling any consumers personal information.

A few months after I used the service I cancelled my account on my computer. Since then they have been taking $20 from my account for 2 years. Yes I should have paid more attention, but the point is canceling over the internet is useless. Make sure you call and cancel.

Absolute nightmare to set up credit freeze (to fix Equifax breech). System is slow, and does not send you the PDF PIN number - then you get on phone for 45 minutes trying to convince them of who you are. Doesn’t help that there is a language barrier as they have outsourced their service to a foreign country. Why does their process have to be so difficult when it took only a few minutes each for Experian and TransUnion. I would rate them zero stars if possible!

I tried signing up for the credit freeze through Equifax after the mess THEY made by THEIR breach. Their website kept freezing up and having errors. After multiple tries I gave up. Fast forward months later. I attempted to get a loan which was denied because I had a credit freeze through Equifax. WHAT?!?! I attempting to log onto their website to lift the credit freeze however it was down. I attempted to call and once again their system was down. I attempted the next day and turns out it requires an 8 digit pin. A pin that's supposed to show up in a popup/download at the time of the freeze. Since the website had an error I hadn't received a pin.

Faxed in both sides of provincial card and SIN card. They refused to send me my credit report. I called government of Canada. Told them Equifax said my SIN is too dark. They said it was fine. I sent copy of SIN and provincial card by mail with letter. I also filed complaint with BBB as well.

Horrible! I signed up for a credit freeze when the last security breach occurred. I then find that you can’t log onto the Social Security site (and others) with this in place. Removing freezes from the other 2 major companies was a breeze but EQUIFAX has been a HUGE problem. You need the PIN # you were given when signing up. I have my pin and I’ve spent HOURS Trying to get this freeze lifted. Their website freezes and they require you jump thru hoops. Am now having to send a letter with extra proof (utility bills, etc). RIDICULOUS! I wonder how long it will take now using snail mail. Why is it that EXPERIAN & TRANSUNION were so simple and they are the total opposite.

Every other credit reporting agency doesn't make it so hard to add or lift security freezes. Experian is the best and TransUnion was a pain but nothing like Equifax. Imagine having no way to recover a pin on their website. They don't make the number easy to find. Then when you finally get through you get someone who can barely speak English asking impossible questions. What is confirmation number, when did you originally apply the security freeze. They want the month day and year. Like you're really going to remember that. Come on now. If you fail you then have to send a letter with copies of your identification. It takes forever. They are punishing you for protecting your credit. I really wish they would go bankrupt. I would never use an Equifax product again.

Both of my parents are deceased. Father in 2013 and my Mother in 2017. When I received their credit card statement in May a charge dated 4/13/2018 in the amount of 199.99 was showing for EQF*TID TRUSTEDIDSERVI. I contacted the number provided on the statement and was informed they needed confirmation. They requested I send in copies of the death certificates, SS #, Mailing address and phone number along with a copy of my driver’s license. Then I needed to wait 10 days before calling them back.

I had identity theft and promptly put a fraud alert and freeze on all 3 credit bureaus. Two credit cards were opened in my name and I only disputed those two. Equifax disputed ALL of my credit cards resulting in four cards being closed, three I have gotten back, (one dispute they put through was on an account that was closed 32 years ago and another closed 9 years ago). Equifax had told my creditor's I had a new address, which was the fraudulent address and they almost sent my new cards there. The rest of my cards were blocked. I had to constantly contact all of my accounts to get everything back in order. The time that this took over a matter of 6 weeks and having to do it more than once has been ridiculous.

Equifax has continued to allow false or incorrect information to remain on my credit report. I have disputed inaccuracies numerous times, with documentation to prove those inaccuracies and they refuse to delete them.

I've been hacked more than once. Just when I think everything is resolved, it starts again, charges on my credit card etc. I have changed my credit card 3 times, the first time I under a free sample which was really my fault because it was actually a membership where they send you skin care product every month and charge you over $150 US for skin care you can buy at pharmacies for $60. It was on the Fifth Estate, a Canadian that lived in California. Fool me once, but not twice. I have a new credit card. Do not order online anything anymore. I realized it started again getting charges on my credit card. Looking back what I did in the last month. I had purchase a monthly service with Equifax so I can check my credit score again, and to make sure nothing negative. Sure enough I see my credit score is low 585, after paying well no late payments for 6 years.

Worst customer relations ever. Can't dispute even personal information without having to mail copies of my license, my SS card, my utility invoice. A credit reporting company that wants me to MAIL a copy of my SS card. Joke #1. Trying to "chat" is joke #2. One field to fill out: email address. No submit button, no link to continue. I hit my enter key. Error message: "please fill all required fields before attempting to initiate a chat" Huh?? ONE field, filled. On to joke #3: trying to contact a live customer rep. I finally find a number, call. First call, disconnected. Second call "Bran" needed me to answer a security question: What's the credit limit on one of my credit cards (a specific card)? What?? I've had that card for years, and I'm expected to remember its limit?? Isn't there another security question? No. NO??? At that point I disconnected the call. Equifax is impossible to deal with. Soooo much simpler with TransUnion.

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

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

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

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

After another email on 5/19 to Tori at Equifax Personal Information Solutions, I finally received an email stating that my refund request was successfully submitted. So for that... Thank you Tori at Equifax!

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

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

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

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

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

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

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

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

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

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

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

We have had issues with identity theft on my husband's reports. The other 2 agencies investigated and removed the accounts, 2 with the same company. Equifax refuses to remove the accounts. So we are left dealing with our own credit monitoring agency, that's correct!! We pay them each month to monitor our reports, and the suspect company. After police reports, federal government reports, etc... 2 years later and still being jerked around, we have had to retain an attorney to clear this mess up. Thank you Equifax.

EVERY single time I call this company, I get nowhere. Recently my car was totaled and I wanted to apply for a car loan through my bank. They said one of the credit bureaus had the wrong social security number for me so I would have to call and figure out which one did. I called Experian first and they had it wrong, but easily made the switch and sent me a letter in the mail confirming they had fixed the mistake. I called Equifax and spoke to a man who said he could not find me anywhere and that I must not have any open credit cards although I already told him that they must not have the right social for me.

I've an issue with erroneous info in my Equifax database, consequently when changing banks, the entity submitting the monthly check to my new bank does not recognize my identity. I initiated a dispute claim and it's being processed. I contacted Equifax multiple times at various times of the day and ALWAYS get the same caution "We are experiencing extra-ordinarily high volumes at this time". So I try a CHAT sessions during regular weekday hours. 3 times NO response whatever after the initial pre-call welcome stuff. The 4th try, someone apologizes and declares they are busy. Well, I expect they are busy ALL the time. The system isn't designed to handle volume.

I called Equifax to do a temporary security freeze lift. I was on the phone with this guy for 30 minutes verifying who I was; he asked me misleading questions so I couldn't be verified. Specifically said "do you HAVE student loans, bank or auto loans?" I confirmed my student loans and the amounts. He continued to ask about more CURRENT loans. I said no because they were NOT CURRENT. Finally he asked about previous loans and I confirmed them. These loans were from over 6 years ago... They are nowhere near current. I was also waiting after the end of the call to leave a review for the worker, and I believe he wouldn't hang up the phone for me to do so. Work on your customer service!!!

This company is so poorly managed and couldn't care less about helping consumers at all. There is no one to complain to about it and they know there is no accountability soooo they do nothing to help. Equifax is not reporting and even though they have ID they won't release the report. It is truly unbelievable.

I had my credit severely lowered because Equifax and TransUnion both gave a bogus credit report to my card company. My brother is on disability and has had problems paying some bills, they used his address and bills on my credit report. I have informed them of the fact and showed our addresses are different but they still refuse to change my credit report. Very sloppy investigating by them when bills come to different names except the last and addresses.

I use Credit Karma to monitor my credit. I had 2 derogatory marks. The first was for a medical bill which I verified was paid in 2014, and never came off of my credit report. I spoke with the collection agency who initiated the collection, they verified the bill had been paid since 2014, and that it should have come off of my credit report a long time ago. The other one was from an electric company for an electricity bill on a rental house. I was unaware I had an outstanding bill with the electric company, as the bill was going to my rental house.

After news broke about the Equifax breach, I went about freezing my credit with all three major credit reporting agencies, including Equifax. I did so using the online portal where I gave them all the usual information. In return, I was given a PIN to be used to lift the freeze at a later date. Well, now it's that later date. I tried using the online portal per instructions, but it stated that my request could not be processed then provided steps to mail my request. They want me to put my sensitive information as well as copies of my ID, another form of identification (such as a bill), and PIN to verify that it is me. That's all fine and dandy, but I'm not exactly confident in sending this physically to them through the mail. So I tried calling them directly. The number given would only begin a freeze or issue a credit report, despite stating that I could request a lift.

Not only did the breach happen, but when I attempted to enroll in the free monitoring promised, since my record was breached, the process of signing up has been dreadful and frustrating, as well as impossible. The final step, after receiving my email confirming that I'd signed up, asked me to enter my birthdate. Upon doing so, the message I received was "system unavailable". This happened many times through the day. Finally, I engaged an agent, "Robin **" who confirmed that I AM enrolled. Record of the chat: **. On Feb 1, I spoke with another agent, "Eternity" (**) who had me spell my name slowly FOUR times and eventually told me that I could not have the service. I asked to be "escalated" and she said I'll be contacted by the escalation team in 3 to 6 days. We'll see. Absolutely dreadful performance on every count.

I just got off the phone with a Customer Service person who would not tell me what City she is in. Basically, I cannot get back to her for any reason. Her ID would also not allow that. I spoke to a supervisor who told me the same thing. Yet, she asked for my Social Security number, address and DOB!

Negative accounts have long timed off my Experian and TransUnion Credit Report. Equifax continues to report them no matter how many times I have disputed them. My husband had the same problem but when he calls Equifax to complain he cannot understand their representatives as they have very thick accents and he is hard of hearing. They refuse to let me talk on his behalf unless I provide them with Power of Attorney. The other agencies allow me to without any problem. Right now both our reports are clean except for Equifax which continues to report outdated debts that they are no longer supposed to report. Our scores on Equifax are 80 points lower than the other agencies.

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Okay August 2nd Equifax contacted Mandiant, a professional cyber security firm to help the company assess what data has been compromised. With help from Mandiant, Equifax was able to determine a series of breaches had occurred from May 13th through July 30th. Tell me why I get a letter from AT&T December 14th just a few days ago and not Equifax.

Equifax does nothing. When you call you get someone who can not speak good English. They never do their job and take paid debts off of credit report. I have seen letters and receipts. I have called and nothing works. I will be now getting a lawyer. I am done with this place.

Equifax reports soft inquiries as hard inquiries such as Apartment Renter's credit checks, opening a new internet account etc. Transunion and Experian count these as soft inquiries. Equifax also has no data validation process for reporting medical delinquencies. My Equifax credit file shows a medical delinquency for a hospital I never visited and dates of service during which I was on extended visit out of state (Other friends have had similar issues with Equifax only). What a joke. Not to mention their data breach. Undermines all credit reporting this country. Shut them down.

A Negative mark appeared in my credit report. TransUnion removed the mark within 24 hours and Experian removed it within 5 days. Equifax however has taken their sweet time (3 weeks and counting). By law, credit bureaus need to add/remove information depending on other credit reports. Equifax has refused to remove the mark even after the collection agency withdrew their collection and Comcast has already stated I owe nothing. Equifax is absolute garbage and after the data breach I can't believe this bureau is still allowed to exist. I saw the TransUnion reviews on this site. Some of you have no idea. TransUnion is heaven compared to Equifax. I hope none of you ever have to deal with the garbage that Equifax can offer you.

Contacting Equifax either online or by phone was a painful experience. I attempted to put a temporary lift my freeze & was unable to do so online so I tried via their CS phone number. After listening to endless babble I finally reached an operator who's native language wasn't American English & was difficult to understand. My greatest frustration here was the website experience, my second was finding the phone number & then having to listen to unnecessary babble rather than being able to go directly to a CS rep!

So like others on here I thought I would do the credit freeze because I did not want my identity stolen. I went on right after they started doing it entered all of my info and kept getting the error so I just said forget it. Fast forward 2 months and I ACTUALLY want to get a credit card. I have been going back and forth between Equifax and my bank and I never DID get it unlocked. They claimed I needed a pin to unlock it online but because it never went through I never got confirmation of the freeze NOR this elusive pin. Now my bank can't get in and after I tried to unlock it just for them and finally just took the freeze off altogether. The bank says it is still frozen and Equifax said it is on my bank's end and the bank says it is on Equifax's end.

When this data breach was first reported, Equifax set up a website that one could enter SSN and find out if your data had been comprised. I did this for both my SSN and my wife's. The response was that our information had not been breached. Yesterday, I received a notice from Equifax, dated Oct 13,2017, that I am one of the 2.5 million additional potentially impacted U.S. consumers that has personal information was potentially exposed. Which notification should I believe? This company has totally mishandled this entire affair, and should be held accountable for this outrage, and the entire industry should be regulated in the future!

I called this company for assistance with problems submitting disputes online using their website. I was surprised to discover the customer service rep I was connected to was based in an outsourced call center in the Philippines. The rep went as far as to ask me for my full social security number. If Equifax claims to be doing its best to protect our information, why are they outsourcing to a non-US call center? Also, I was informed that Equifax does not provide technical support for website issues.

Today, I've had the worst experience with Equifax. They shouldn't handle credit issues because they can't seem to get PROFESSIONAL customer representatives. I spoke with someone in the "Mix Up" department. I don't know if it was a man or women but they were extremely rude. Agent: Your address? Me: Gives street address (forgetting that the company isn't located in my state). Agent yells, "Ugh I'm still waiting on the address!" They need to learn how to be more sensitive when it comes to their clients. Also, waited 30 mins to speak to a rep. They are just AWFUL. Please avoid them if possible. They can ruin your day.

I am apparently one of the people whose ID MAY HAVE BEEN HACKED. First, I went to Freecreditreports.com to obtain my reports to see if there was any unauthorized or illegal activity. TransUnion and Experian reports were fine. Equifax would not provide me with one. Today I tried to enroll/activate the trusted premier account to freeze/monitor my credit. Put in all required information in the website but when I got to the last page (setting up a password) - a message popped up telling me there was an enrollment error and I could not enroll and providing a customer service number to call to activate.

I called Equifax Canada for cancellation. These guys work over there don't know how to talk with customers. They talk so aggressive and they can even hit customer if they can come out from phone receiver. They don't know what customer service is. Rather than suggest customer in their issues they suggest you need water, you are hungry. Even though if customer ask about number to complain they don't provide you right information and numbers. When you call on those no they exist mean like they teach them to lie. I am really unsatisfied with the service and customer service of Equifax. 0 out 5 because when we sign in they have really great customer service but on other issues and in cancellation they have world worst customer service at all I experience in my life.

When my mortgage company tried to pull my report, came up with an error. 7 hours on the phone, 5 straight days on the phone, I get a man by the name of Kale in the consumer affairs department. On the phone he tells me they will get it fix, a few hours he calls me back said it was fixed. They tried to run, it still an error. After calling back they asked me to send a SSA-89 form to verify my social security number, my driver’s license, social security card and a utility bill.

I enrolled in the security breach free TrustedID program which was step 1. I finally received my email with the confirmation and login pin to get through step 2 - except it doesn't work. Every time I tried, over several days, I could never get past entering my birth date. After I entered that to go to the next step/screen, it gave me an error message and then finally started telling me to call customer service at the 877 number. When I finally got frustrated with trying and called, I got a recording that said something about 'all operators were busy and to try calling back in 30 minutes.' I made that call three times. I'm seriously thinking I will never get this completed, and from looking at the number of complaints - and I'm sure there are more - they really need to come up with a solution that works for everyone! I am certainly not happy with this experience!

This company should be closed down immediately! I was on the phone for over 30 minutes getting the run around trying to figure out what the "suspicious" activity was. I still haven't got an answer and I suppose I'll try again today. The only answer I could get from anyone including the supervisor was "I'm sorry". What do we all expect from a company who Chief Security Officer had a MUSIC major and Masters in MUSIC. What the**??? Something needs to be done... we don't need three bureaus anyhow.

Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. Now, a month later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the house that I'm purchasing. I've been trying to contact Equifax online and over the phone for three hours to lift the freeze and haven't been able to have my request fulfilled. They don't have access to customer service at all! All their phone numbers refer to automated systems which also don't work and offer you to send requests via mail!

I spent 1 hour on the phone calling 6 different numbers and each representative told me it was not the correct number to call - ** (dispute # only M-F). Round and round it went with no success. I spoke with several supervisors who were unable to cancel the account. This is unacceptable and seems like a ploy of some sort to get folks to keep their trust ID accounts. I want out!

On 9/28/17 I was able to activate my account after finally receiving my activation letter. I placed a credit freeze on our accounts 2 weeks ago for both my wife and myself. This cost a total of $40 in fees for Experian and TransUnion. When I tried to activate my wife's account today with Equifax I was unable to do so. Currently I cannot access my account with Equifax and was unable to activate my wife's account. I was told I would have to lift the freeze on Experian and TransUnion to get enrollment which would cost me another $40 in fees. (Equifax freeze changes are currently free). I want to be enrolled in TrustedID for both of us and then freeze my credit reports but the move would cost yet another $40 in fees to freeze after enrollment in TrustedID. Seems like a lot of expense for someone having nothing to do with creating this mess.

A week ago I called Equifax to place a security freeze on my credit report. I have not received PIN in the mail yet. So, yesterday from 3 pm to 5:30 pm I had to call Equifax 4 times to get the freeze lifted temporarily. Each time I was given a confirmation # and told to wait 10-15 minutes. Each time I called back, I was asked for a confirmation # and was told there was not any evidence a request for the lift was requested. Of course I spoke to a foreigner each time so on the last call I requested to speak to a Supervisor.

After the Equifax breach, I followed the registration for the free monitoring TrustedID Premier. I waited for the email several weeks and received today. When I tried to activate, it said my birthdate was incorrect. I called the number for help in the email. The person said I wasn't in the system, either by email, phone, name, nothing and that this had happened with many due to overload. I asked how I received the email and she said computer generated. She said they had fixed the glitch and I needed to register again and gave me the site to go to. I did so and had the same problem initially encountered, it just keeps rolling back to "I'm not a robot" and I cannot continue to register.

In light of the recent breach of millions of consumer data and the articles written about such I've decided to highlight a few key points that for whatever reason simply are not being metioned: 1- The consumers whose data was held by Equifax had no bearing in the first, second or third place on their data reaching Equifax at all. Their data was sold to Equifax via many public and private institutions with no choice much less any notification to the consumers. Therefore it is entirely the complete fault of Equifax that the data was breached. Brings me to point 2:

After initiating the enrollment process in TrustedID since my information was among that which was compromised, I eventually received an email to finalize the product. This link did not work. I called the help number in the email and spoke with someone I could barely understand who confirmed my identity after I answered some questions and said that he would have another email sent within 48 hours. This email never arrived, and I always checked junk mail box. After waiting about two weeks, I called the Equifax support number (866-447-7559) and spoke with someone who directed me to the TrustedID number (866-640-2273).

I am one of the people that has had my identity stolen and they sent me a statement saying my account was frozen which I did!! Then they told me the wrong address was used (my old one) and asked if I changed it, gave me a 888 number to call and was on hold for 1 hr. No one answered and they are now using a false address!!

Well, I enrolled re the security breach free TrustedID program. That was step 1. Now I have been waiting of over 15 days to get the confirmation and login pin to get through step 2. I called today and got through to Tina, first. She was a totally clueless customer service rep who started rattling off the text in front of her. I had to stop her and state and restate and restate two more times that the process should take 72 hours, as she read off also, I was told I just have to wait. She gave me the excuse their system was down a couple of days and I responded does that total 15 days? She would not put me through to a supervisor; I guess they are all following the executives out the door!

In the wake of the hacking of Equifax, my wife and I tried to put on credit freezes. We filled out the online application. After a few days, we each got email responses saying that due to the volume it would be a few more days before we could activate our accounts online. After about ten days my wife got an email. She tried to activate the account from her home in London and was told she couldn't do it in that country. She forwarded the email to me and I tried to activate it from US. I put in her birthday as was first requested prior to being forwarded to the page for security questions, which I probably could answer.

I have been trying to login to my account for days now and the site won't load after putting in my credentials, it just times out. I paid these piecesOS $7.50 the same day of the breach as well as EXP and TU for a security freeze. Last week I had a deposit of $7.50 put back into my bank account. No contact of it being done or why it was done. EQUIFAX reversed the charge. Now I can't mysteriously log into my account whereas they have my card on file to charge me for a monthly subscription that I am trying to now cancel and can't login to do so. I know my login information. And why is this so called fake site still linked on the homepage of the site.**

I received a notice that my credit rating had changed... so I looked and was shocked so I phoned up Equifax and got an account at "https://www.econsumer.equifax.com/otc/landing.ehtml?^start=&companyName=ECIS_dashboard". In March 2017 (coincidentally when the hack of Equifax apparently began), someone had created a complaint based on an event in 2015 where services were terminated with a security company and Equifax agrees there is no debt with the security company (and I have screenshots to show this) - but as the attached images illustrate, they did not correct my credit score in their reporting to me.

I got an email asking me to enroll in TrustedID Premier. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the 877 number. When I called, I got a message saying it is not a working number. WTF is going on?