Equifax Reviews

My score is excellent, but I was rejected by Freedom Mobile. When I contacted Equifax I was told because I had two SIN as student in Canada and then as PR in Canada, and because my postal code on DL does not match with whats on Equifax has my credit check was declined. Who job is it to make sure Equifax data is up to date, I guess not mine? I was told by Equifax to mail all copies to them in QC, well QC and Equifax LOL.

Impossible to deal with. Multiple contacts via mail, phone calls. Unending questions from Equifax and still no response from Equifax. Unable to speak with anyone who has the ability to unfreeze my credit report. Does anyone have the answer???

Evil company..data lost and filipino service...more data exposed. I froze my credit after the breach and now they can't unfreeze it...complete idiots. Worst part is I never wanted to work with them in the first place.

They are absolutely the worst provider of customer service. I have tried for over a week to unlock my account and they keep coming up with additional requirements to do so. After providing them with more information that the U.S. Government requires when calling for SS or taxes they have a linty of seemingly endless questions and do nothing to help. I locked my account on account of their inexcusable breach and now, can't get new creditors to approve me because of the lock. What a bunch of idiots.

I don't know how they operate. How can they have so much confidential information and offer such poor customer service. Their verification system is defective. The automotive system asked questions about identity that cannot be asked on the phone. The online account is locked and they cannot unlock it and when you speak to a live person they tell you that they are updating their system and ask you to call back in 30 minutes. You call back and it's still the same problem. Their customer service agents don't speak proper English and you can barely understand them. I sent a fax with all the information that they requested and they said they never received it. My life is a nightmare because of them.

Disputes with Equifax are the worst. The reps barely speak English, their online dispute site has not worked for over 6 months, I have reported it on 5 occasions, nothing being done. Equifax takes the longest to remove disputes. Transunion is prompt! With Equifax you have to call several times to get disputes finalized and/or processed. This credit agency should be shut down. Morons!

Equifax should be closely monitored by Canadian government agencies. They impact client financial reputation at their own pleasure; without any government official monitoring or review. An un-lawful and totally in-correct Collections Entry was put on my Report by Investors Group Financial Services. IGFS simply reported this Collections entry without a court order or any proof. In court, they withdrew their claim and actually ended up paying me $15,625 in additional compensation. The entry is still there in my Equifax report and when complaining; I received a letter (un-signed and un-named) that the entry is cleared however it can take years before it really clears?? Time for our Canadian Government to review Equifax operations and how to work to help protect us from this company's malpractices and others.

Worst service ever! They don’t answer their emails ever. Their agents are so lost and unprofessional. I was put on hold 20 times on one call. They do not make you feel like you are safe and do not make your life easy. If you have any concerns about anything and you contact them, you will be worse off than when you started.

Equifax and the customer service provided was excellent. I was happy to have things go so quickly and for the very nice agent to answer my questions step by step. I am definitely going to use Equifax, every time.

Equifax is the worst of the three credit report bureaus. After going online to try and freeze my account I got asked questions about loans that I had never taken out. I got a screen saying please contact us. After spending almost an hour trying to contact an agent. They told me that they cannot verify my identity that I have to mail in or fax my social security card and ID. WHAT IN THE WORD!? So they want me to just mail in my most important things to them. What if my letter gets lost? How can I trust whoever receives the letter? Who does this! Equifax needs better customer support, actually let people put freeze their credit which is LEGAL and check their score. They make it so difficult to do this. The government needs to investigate them.

Few years ago, I placed a credit alert for one year. But they put it for 7 years, and it is hard to remove. Called them, but the over-seas customer service is terrible. They don't know what they are doing, keep on lying. What the web site's saying is not same as what the overseas call center saying. I am told to have to send a letter instead of making a phone call. Called them 2 times and talked to the overseas manager once also, useless.

I have set up an account and have NEVER been able to get into it. I keep being told that the password and login are incorrect. I have reset it numerous times and have spoken to customer service who were WORTHLESS and their supervisor told me to wait 30 minutes because she couldn't get me into my account. She sent me the reset password link and I did what she asked and then I attempted to log in AGAIN with the new info - but it told me it was incorrect AGAIN!!!! I was asked to use Chrome and clear my history, etc.... I have NEVER been able to get into my account! Their customer service representatives are completely incompetent - the supervisor was just as bad ... worthless!

I had a cc fraudulently used. I had called to report fraud. I gave them every bit of info about myself right down to my ssn and they still wouldn’t help me. They wanted me to fax or mail my driver's lic and ssn. Excuse me, I just gave you everything but my blood and you still won’t help me? Now my almost perfect credit score will most likely go down because he wouldn’t let me report fraud because he says they don’t have enough info on me. Seriously Trans Union and Experian had NO PROBLEM HELPING ME AT ALL! TERRIBLE, TERRIBLE, TERRIBLE! ALSO, it took 45 min to get a rep because of their poor auto system that continually hung up on me.

Accounts from years ago mysteriously show back up on your report. They are obviously out of date and beyond the legal time frame for reporting. Who is keeping tabs on this company? It is time that they should be held accountable. In fact, the executives should be in jail! Decisions about people's lives are made from this information. It is important that the information be correct. If one bit of information is not accurate, they are required to remove the account from your report.

Equifax has not been regulated correctly and has been running rapid, throwing ethics out the window. I was hung up on twice, before even talking to someone in customer care. This company has gone too far with its cringe worthy practices, thus affecting and influencing their employees in a negative way. This company has failed to provide correct and sufficient information to the government and its customers. Equifax's data collection methods and measurements are out of date and the United States citizens are paying the price.

Very difficult to get a human on the phone, finally spoke to a human and was transferred 3 times, each person told me something different. No one could resolve the issue I was experiencing on the website/pretty much told me there was no issue, even though I continued to read the error message to them. I opened disputes with all 3 bureaus and Equifax has been by far the poorest experience. The people on the phone are nice but they aren't empowered to solve problems and it's clear their management doesn't care to hear about problems.

This hanging up on customers concerned about their credit questions has become the norm while they talk about being sorry for having been hacked giving up personal information of millions. How can we be subject to trusting them with our financial information when they do business like this. How can they not be subject to explain their decisions on the customers credit. Mistakes are made no question but they just hang up the phone and didn't have to answer for their errors. This doesn't sound like freedom. It is being forced on consumers to accept their decisions without recourse. Our government needs to change this behavior. Don't take my word call for yourself.

I am having an issue with my credit score. Wrong entry in my report. They won’t solve the problem, I have been sending repeated mails. They won’t reply. No one is there to ask them. Government should take action. Government should punish them. They’re asking money to correct the report on call. Wrong report they create and spoil my credit history and score.

That is what you are basically going to receive from Equifax, LIES! The IVR System takes 10 mins before you get to a LIVE person. You never receive a text message code. Then you are asked about things that may or may not be on your credit report to authenticate you!! The online myEquifax is a NIGHTMARE. Signing up online is a NIGHTMARE. Forget about calling, Equifax Customer Service is beyond incompetent and will hang up on you when you challenge them on the validity of what is being reported on your credit report. You can't upload documents,never works. You mail it in, they say, "We haven't received your correspondence or supporting documents to your dispute." Companies and FRAUD Collection Agencies are getting away with MILLIONS if you can't prove they are wrong and your credit score will continue to TANK!! Downright shameful.

I cannot believe that a company can operate in this manner, where are the watchdogs and why is our government not thoroughly investigating Equifax and their practices. The Equifax breach caused millions of people a lot of heartburn. To compound the issue their customer service is worse than horrible. Their website NEVER works and you are relegated to using the automatic system and speaking with someone that cannot speak English. The credit reporting agency that "allowed" a security breach is now selling credit protection.... That is a conflict of interest. Who's to say it was not orchestrated.

This company asked the stupidest questions to prove your identity..like you really remember certain things on your credit and the exact amount..If it so much to prove your identity over the phone..how about start opening up some local offices where you can prove your identity in person..Don't nobody have time for this over the phone bs..I need my fax money refunded back to me..please..

This is the worst company ever! They keep dropping my credit score the way they feel and you can’t get in touch with anyone. No phone service, no reply to emails, nothing... Please can someone do something and remove this company.. THE WORST COMPANY IN THE WORLD.

I attempted to open a checking account from a credit union but was denied because they told me Equifax had put a lock on my account. WTF. I called Equifax and they told me I had to send certain paperwork to take the lock off. Fine. I went to Office Depot and faxed it. Several weeks later I called and they said they hadn't received it, even though the fax receipt said it had gone through. I paid ANOTHER $5 to fax the documents through Office Depot which again gave me a receipt that it had gone through. Several weeks later I called and was told the same thing, that they hadn't received it.

Calling is a joke - no one can speak English & provide no assistance. Have been filing disputes since 2017 on fraudulent items & inquiries that have been made without my consent all while a Legislative Credit Freeze & report being locked. Have filed disputes with Equifax directly & through the Consumer Federal Protection Bureau. Equifax's standard reply is to contact the companies directly which I have. Half of them will not reply & others have sent letters w/no knowledge. All of been sent with the disputes to both Equifax & CFPB. Security is a joke as well. If you have both a lock & Legislative Credit Freeze, no one should be able to access your credit w/out obtaining your permission, etc. I have excellent credit & I get a notification that someone has accessed my credit and Equifax does nothing. They should be held liable for their actions.

Nobody here knows how to speak English and they don't know what they are doing. It is absolutely petrifying to me that this credit bureau has the ability to impact people's lives based on the customer service Representatives that answer their telephone. This place should not be in business and people should not rely on this company to report accurate information. When they do disputes they simply ask the creditor, "Is this account accurate? Yes or no?". That's it. The representative who can barely speak English told me they don't ask for anything else at all. The creditor just responds with a simple "yes" and the credit account is considered accurate. If all the creditor has to do to prove the accuracy of your data is simply say "yes" then what is the point of this credit Bureau?

First of all the people who answer the phone can barely speak English. And 3 phone call transfers later I'm back where I started. Just wasted 1.5 hours of my life. What a joke. Get transferred to another department, wait on hold for 20 mins just for them to transfer me again and then wait on hold again over and over..

Called because I could not log on and it told me to call a number. 3.5 hours later and 6 agents and back to square one. Not able to log on and they could not verify my identity. Experian and TransUnion have no issues and have stellar credit score with them. With Equifax there always is an issue of log on and wrong info reported... How is that possible?!? They need to have a negative star rating because this one definitely is...

I just wanted to unfreeze my credit. Every time I try to log on to my account they send me to Customer Care. Last time I called them I had to do it over the phone. This is the worst Credit Bureau ever. They were suppose to unlock it last time but never did. Who runs this place?!

I am so frustrated with this credit bureau! We have been working on fixing our credit for over a year now, my other credit bureaus have all positive information and up to date on everything. Equifax on the other hand, has been nothing but negative and do NOT report accurate information!! I recently had my credit pulled to get pre approved for a house loan, my others drop max 5 points, Equifax drops my points by 64!! I HATE their service and how inaccurate and hard they are on your report. :(

Saw a ad saying I could get my credit report free just by calling Equifax at 1888 548 7878 so I called to get mine. The person who answered said I could get my credit report free but I would need to give him my information such as my social security number, address, phone # and my date of birth. I normally don't give out this information but since it was a big company like Equifax and you don't have any choice if you want the free credit report so I gave it to the representative.

I could not sign up to Equifax, I put in all the correct information and it said I would have to call customer service, so I called, they couldn't help there. The rep which was not American, with a heavy accent that could barely be understood, told me she would have to 'escalate it to her supervisor' whatever that means, and I would be contacted by email. After a few days this is what I got. "We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you." Basically, I can never have a Equifax account. As far as I am concerned, two credit bureaus are more than enough, especially when the third is so incompetent, and based on reviews online I think everyone agrees.

The statement in the summary is what my opinion of a phone conversation I had with a customer service rep who called me back after spending the better part of the day attempting to have a fraudulent card removed from my account! After I finally got him to understand my problem (very difficult as English wasn't his strong suit & am putting it mildly as had to have him repeat almost every word his main & only concern was to sell me monitoring service)! His next comment blew my mind as he said I was talking to the wrong department. I responded with question, "am I speaking to customer service?" Then his conversation wasn't understandable forcing me to hang up! As for the above summary who is to know if Equifax is adding cards to account to panic customers to purchase their monitoring service! Big businesses aren't honest anymore as it's all about the dollars! In other words who guards the fox???

First of all Equifax is absolutely the worst credit bureau to have business with. It took me several months to proof my identity and receive a free annual credit report. 1. The first attempt was online. I entered all required information and answered verification messages, but the system displayed the message, “Online Delivery Unavailable” and information about how to request the report by mail.

Negative Stars would be much better! I am working on a mortgage loan. I was taken off as an authorized user on a credit card in the negative which was killing my credit. 45 days later Equifax still has the negative information on my credit. They will do absolutely nothing to help escalate the process and block me at every turn. It will take up to 30 days...doesn't matter that it's their error. It's been fixed on Experian and on Transunion. I'm going to lose my earnest money on my house because I can't get the loan closed. It's infuriating, frustrating, and sometimes I just want to cry. They could care less. It's like I'm being held hostage by a stupid company. Customer Service is no help at all, and it's obvious the calls are being answered in the Middle East and hard to understand.

Equifax website collected money 3 times from my credit card to purchase their service and repeated that I would have to continue again to try and create an account over and over again. I am out the 15 dollar one time fee and the 4.95 30 day trial twice. No service was ever provided and they have taken my money and not created any account. When time permits I will file a fraud report with the Canadian fraud reporting center.

My wife and I are trying to refinance our home and the loan company can not get a credit report from them because her information does not match. We have lived at the same address for 22+ years, she has had the same Soc Sec number since birth, and the same cell phone number for 10+ years. Yet all this was not enough to verify her identity. Now the company that has had major security issues wants us to fax her Social security card and drivers license to them?? Really, how do we know who is actually getting the information, and now the loan company waits 5-7 days for Equifax to process the information and then MAIL the results to us.

I have been trying to get my home refinance over a month. The only thing holding it up is this decision on my credit report. They keep telling me every time I call it will be off in 48 hours and when it is checked it still there. I have tried to have this removed over a month. I tried twice today but I keep getting the same result. If this keep up I will lose my loan. This is only thing holding up home loan closing. I really don’t know what else to do besides losing my loan a

Although I did not freeze my account I recently applied for a loan and was told it was. I attempted to use "Lock and Alert" but get a error message and to call a 800 #. I'm transferred around and am told my password is incorrect and to change it. I do and continue to get the same error message. When I attempted to access my account via their website I get a message I have a account. When I click on forgot password In every receive a email. I have emailed Equifax multiple times and get a form email apologizing and escalating my concern but nothing further. I have filed a complaint with the BBB and quickly received a phone call. I was told to "fax" proof of identity to his email (I emailed as I can't fax???). It has been almost a week and still no reply. Equifax simply does not care about the customer and hope he/she will give up the "fight"; I won't. Craig

I've been trying to place a credit freeze for a month or more. I've tried at their website several times. They gave me a phone number to call. I called Equifax several times, verifying my personal information each call including SSN. However after they verify my information they refuse to proceed with helping me place a credit freeze. I placed a credit freeze with the other 2 bureaus online without any issues. Equifax has been persistent in requesting I use the postal system & mail in a copy of my DL, SSN, address, copy of a utility bill maybe other stuff. They want me to use US Postal System who by the way loses mail on a regular basis. This company is absolutely useless. They a supervisor was suppose to call me this morning at 9am CST. No call from Equifax this morning. Useless useless useless. Who else would be trying to freeze my credit? Anybody know who it is? Well it's me but I've not managed to get it done due to the above reasons.

I contacted Equifax to temporarily unfreeze my credit records because a company I was purchasing an item from required it. I was attempting to refreeze my records but cannot contact Equifax via phone, website or email. Called 5 different phones numbers, answered all the identification and security questions asked by the automated system (no way to talk to a human being of course) but the automated system cannot verify me then suggests to go the the Equifax website to contact them. Go to the myequifax.com website to log in and send a message, login with the correct user ID and password and it tells me to call one of the 5 phone numbers I previously used.

I'm not in the habit of bashing companies, but this is ridiculous. I currently have a freeze on my credit report with this company, but needed to release it this week since I'm shopping for a new car. The website will not function, and tells me to call an 800 number. No luck in contacting them through that. A little supplemental digging on Google showed another number, where I spoke with a customer service rep, who was equally unable to access my account online. I asked to speak to a supervisor, who told me the same story. The only two alternatives through them was a) wait until the website was back up, and they would notify me via email, or b) mail or fax in my information and wait for an unfreeze. I do not have fax at my disposal right now, so in order to use this system, I'd have to wait more than 10 days for the report, which is completely unacceptable in this situation.

From Friday, Sept 06, 2019 to Sunday, Sept 08, 2019 12:10 am, service is not not working because of maintenance. Does anyone encounter this problem with Equifax? I wonder if they have some kind of problem that they have to shut down their website. It's almost 48 hours now.

After about 4 hours total phone Skype time talking with Equifax TO GET A FREE CREDIT REPORT. I was denied by 4 customer service people (CS) and only one supervisor was willing to help me. The 4 CS people said no reports go to Thailand. One CS person did finally give me a confirmation number and said it's in the mail. It's already 10 days overdue now!

I needed to temporarily unfreeze my credit with the 3 agencies for a home loan. Done with unfreeze for Transunion and Experian in 5 minutes via website. Got locked of Equifax using correct email and password I have on file. Called the provided phone number 888-836-6351. I got the automated answering service. Finally got through to a live person.

My bank had a breach so they set a one year coverage with Equifax. I spent an hour before I got system to accept my information. So tonight I tried to log in and Equifax said my info was non existing. So I called their customer service number. After about 10 minutes I got a girl. She was of no help. SAID I DIDN'T EXIST AND HUNG UP ON ME.

I wish they have a negative rating, hour and hours of a call for a simple issue with no resolution. Every time you call, it is a different answer for different people. This is how I spent the last 15 days in a simple task of getting my credit report fixed with no resolution so far. I wish my lender did not have had any dependency on Equifax and I don't have to deal with them anymore.

I just spent about an hour trying to do a temporary lift on my credit with Equifax. This used to be efficient. Not anymore! Can't get to a real person, can't log in! Received a message over the phone that I have to mail in a bunch of information and it will take 7-10 business days! What??? I had ZERO problems doing my lift with the other two credit bureaus and it was very fast and efficient. This is ridiculous. In the end when I tried to get a rep to give me the specifics on mail in (or fax) instructions, it just routed me to a survey. I want to fill this entire review with expletives right now. The worst part about it? We have NO choice on whether we give them our business or not!

8-29-2019. Time 7:51am, called 866-349-5191 Option 5 for Agent. Time 7:56 am, went through all security questions again with Customer Support and informed Equifax Customer Service Representative about all the problems with not being able to log in to Equifax site, which has been going on for one month. 8-29-2019 8:08 am. Rolled over to Specialty Department. Went through all security questions again, on hold for many minutes, the person from Specialty Department seems to be having trouble with obtaining temporary password to reset with, on hold again.

Worst customer service of the three credit agencies. I was trying to place a temporary thaw on my (frozen) credit. Here's how they rated, time-wise: Experian - 10 minutes. TransUnion - 5 minutes. Equifax - 2 hours, and I was not successful in thawing my credit.

In May 2019, a $42 bill was illegally charged to my Macy's charge card. I was unaware that a purchase like this charged to my account. I had no heads up (no calls, no bills in my mail. Then in the first week of August 2019, I was alerted by all 3 major credit bureaus than my score dropped from 790 to 605 because Macy's reported that I was "2 months overdue" causing 2 late payments at this point of time. I had my Macy's credit card since 1974 and always paid my card off monthly during the 45 years I have had them buying thousands of dollars from them over that time period. Never had a late payment with them.

After a credit breach in May 2019 I ordered an Equifax product online that monitors one's credit month-to-month, being faster than requesting a reading by post (slower). Once satisfied that my credit is secure, I have been trying for two months to cancel the subscription. Equifax refuses to answer any emails, claiming they are busy and will get around to it sometime. Meanwhile they have continued to take my money for a product I no longer need nor want. Their system allows them to make money for nothing without accountability. I consider this theft. The situation has forced me to report Equifax to the credit card company as fraudulent.

I filed a dispute with Equifax some months ago and have had nothing but issues. It seems these people don't believe I am who I say I am. I sent them a certified letter with a copy of my DL, my social security card, recent utility bill, credit card statement, past four addresses, DOB, and absolutely everything else they would need to prove that I am who I say I am! Still have nothing but issues. How do you even get through to these people? Any ideas? I submitted the exact same dispute with TransUnion and Experian with no problems. I am beyond frustrated. I would like to take some sort of legal action against them. Any ideas would be much appreciated.

I wanted to lift a freeze that I had placed on my Equifax credit report earlier. It used to be easy to manage the freeze online before but now the website doesn't work and returns an error. I tried calling them and tried automated system over the phone and it didn't work either. Now I need to lift the freeze and it is weekend and no one at Equifax is available to help me. On Monday when I called after many hours of wait they say I have to send them a letter in regular mail which after receiving will take 7 to 10 business days to lift the freeze. So if you are in the middle of buying a home or car or even just a new wireless line and if you have placed a freeze on your credit report for safety, you are screwed. You will miss a lifetime deal because of this. This company is going down.

I attempted to lift my credit freeze and did this with no problem with TransUnion and Experian. However, Equifax is a whole other story. They are so difficult to deal with!! Now I have to go write a letter and put it in the mail with documents because they couldn't verify me over the phone. They said there's no way for me to send this information via email, it has to be fax or mail and then it will take up to 7 days to lift my freeze. I am literally sending the same information I gave them over the phone with the addition of a driver's license, which could be easily sent via email. This is absolutely ridiculous!!! I was able to do this same process with the other 2 bureaus within minutes. This is so inconvenient; they really need better policies and customer service!

This company is the worst. I hate dealing with them. They ask you about 20 questions you know, then here comes the crazy question. When was your last data breach and and security freeze.. Wtf. I hope they shut them down.

I am livid at the treatment I got from Equifax while trying to put a credit freeze on my two young children's accounts. You have to send in a handful of (highly personal) documents by mail and wait for a mailed response. I did this with all three. Transunion and Equifax sent back letters with a list of required documents WITHOUT telling me what was actually missing in my application. Experian - no problem, they accepted my documents. Transunion - no problem, I missed something and I spoke with a very helpful woman who was ACTUALLY in the United States who could pull up what I'd already sent in and tell me what was missing.

This credit company can't be real??? First of all the customer service agents have such thick accents that you can hardly understand what they are saying, secondly after they take all your pertinent information they will ask you about your credit information?? This makes no sense whatsoever since I was inquiring about the supposed derogatory marks on my credit report as to clear up this matter. In my opinion I think this company should be under investigation. I got so frustrated that I just hung up the phone. How can you clear up your credit if they will not tell you what is on your credit report.

When applying for a VA loan, Equifax has my credit score frozen and marked as fraudulent. Once I called Equifax, they stated they could not find my information and it may be incorrect. They asked if I could submit a fax with my social security card, driver’s license, and all the other good details perfect for stealing someone’s identity. This whole time, I’m wondering if this is the same person that tried calling me telling me they were the IRS and I needed to pay mysterious dept. in Target gift cards. Well after waiting the week that they asked for to update my information, I called again. They say they cannot see that my documents were submitted and asked me to resubmit my documents, I did.

It seems that for the last year Equifax has its problems with Credit Karma and others. My credit score in less than 30 days went from 680 score to 540? Today it went from (I took a screenshot) from 680 to 540 again as I went to update my address that keeps going to a Motel address that I never went to in another part of the state. I'm a senior and it's been impossible as I'm ready to live in a retirement home and telling this story to management is not only frustrating but outright embarrassing. Look like a totally irresponsible person that worked all her life without any assistance of my state! A mother of two and never ever a burden to my state! How can these agencies get away with saying "system down", Unavailable, or learn on the news that they been hacked! Will, someone from Consumer Affairs do something...hellooo any politician that not swam in the swamp come and take some time to HELP!

I have over the past months been in contact via online and standard mailing documents to Equifax re false information listed on my credit file with them and they have proven to be quite useless in both response and overall experience. It seems they are not performing as each time I am getting error messages Digital that the system is down and please try again later. I have done the exact same procedure with TransUnion and Experian and the information was updated properly with the documentation I provided yet with Equifax seems as if the data breach and court ordered judgment has severely affected their business model.

I paid down a balance on an account that is in good standing. My EF score dropped 56 points, my score increased on with other two reporting agencies. Called EF to inquire why, person I spoke with barely spoke English and could not answer a single question! I do have one negative (in dispute and already removed from other agencies reports), all else in in good standing yet my EF score is consistently lower than the others. Also curious as to why when a negative is removed from my report my EF score drops? (Which happens any time I pay off a balance or have a negative removed.) Not others, ONLY EQUIFAX. This company is frustrating and impossible to deal with. I believe they are running a scam and seriously need investigated for fraud!

They act as if they don't want to actually confirm you are who you say you are. They ask for birthday. Check. Address. Check. Social Security. Check. Current loans. Check. Previous loans. Hmmm... I got one, I think. You need to remember the company and and how much the payment was. "Can you remember another previous loan?" How many do they need? I hung up out of frustration. I'll have to do my research into my old checkbooks to be prepared the next time I call them up. All this to unfreeze my account so a mortgage company can check it. If they don't unfreeze, no new mortgage!

I disputed a record on my credit report. It took several weeks to resolve, which was expected. However, I have had nothing but issues trying to view the result. The first time I tried, the verification questions asked about accounts I've never owned. Since I had to choose "n/a" for all the questions, I was directed to call in for my results. The rep informed me the system was down and call back in a few hours. I did not call back. A couple weeks later, I tried to access my results online again. This time I was able to get in. However, when I clicked on "view", I get an error message telling me, "the PDF file is not accessible at this time" and to call customer service. ARE YOU KIDDING ME!!?? So over it...

I cannot understand why my Transunion score is currently 22 points higher than my Equifax score. If my debt increases on my cards not even over $100 they immediately knock down my score by several points. They are slower than snail mail when I pay down balances to change my score but anything negative they are right on it knocking my score down. I was notified that these clowns had let my information be compromised and that really ticks me off. Are financial institutions paying these idiots to suppress scores or what???? Are they politically inclined????

It seems that their phone number published on Equifax Canada does not work. It is impossible to speak with an actual human. This situation last for some days now. This is very annoying. I've placed a fraud alert on my account and yet, I got my own personal address changed without my consent. WHAT IS THE POINT OF DECLARING A FRAUD IF EQUIFAX DOES NOT EVEN DO THEIR JOB?

For three days I have been trying to access my free annual credit report and to verify my credit report is now unblocked at Equifax. I was unable to access my account online (it is locked for some reason). I have spent 2 hours over 3 days dealing with the outsourced call center at Equifax. I have been told to call back in 30 minutes, then one hour and now 48 hours because their system is "updating." Why does it take three days to update a system? This is a little suspicious.

Equifax is the WORST credit reporting agency ever. I never experienced anything like this. The whole company should be thrown away. No wonder they are in the middle of an enormous security breach. Both Experian and TransUnion handled my disputes fast and professionally. Equifax has been giving me nothing but the run around for 1 little dispute.

I decided to purchase a home a few months ago. Early June, I called Equifax to make sure everything is OK and there are no blocks/freezes on my account so my lender can easily access my credit report. I had legally changed my name in 2018. The other two credit companies had automatically updated my file. When I introduced myself using my new name, the agent I talked to on the phone said NOTHING about my new name not being on the file! She said everything looks OK and my lender should be able to access my credit report.

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!