Equifax Reviews

Your customer service department needs some serious training. I understand that they're trying to be overly cautious about the information they are providing (at least now they are), but they should be cautious when they're taking personal information. I don't know these people and Equifax has proven that it's not a trustworthy company. The woman on the other line (I would be happy to provide her name if needed) repeated my personal information over the phone - ranging from SSN to personal information. She's obviously sitting in a call center with whoever else around her, saying this information out loud to anyone who is sitting around her. Absolutely unimpressed.

I cannot get a credit report from Equifax. I have attempted several times online and now they are requesting documents via mail. This is ridiculous. This is the company that fraudulently hacked my bank account with an electronic check one month and tried to do it again the following month. The electronic check was supposedly authorized by me with a bogus address and information on the draft sent through my account. I had to file a fraud charge, close the account, and open another account. The bank thinks it was for a $350 a month credit policy. (Really?) Would you trust this company with your documentation to get a credit report? Especially after talking to one of their rude clowns in their customer service center who couldn't tell me what it was for.

I can't turn on new gas service at my new house because they have to verify my identity thru Equifax but I have a freeze. I can't lift it online because it isn't working now. And there's no getting to a person on the phone. And Vectren won't turn on my gas without an identity verification from Equifax. Do I can't get the gas turned on. No hot water or heat or cooking.

WARNING - DO NOT USE THE SAME EMAIL ADDRESS FOR MORE THAN ONE ACCOUNT. My spouse and myself are both affected by the Equifax breach. Tried to sign up for TrustedID. Asked for email address as user name. Entered our email address for both persons. Equifax did not block using the same email address for both husband and wife. After I entered husband’s email address to sign up, the information of his came up with his name and wife's last 4 of social security and date of birth. Equifax should have been programmed to reject the use of the same email for two accounts. Unable at this time to register husband in TrustedID. Equifax working on the problem.

This complaint is based upon my husband's experience that started within the past year. We started having issues within the last year with our bank being able to pull my husband's credit score and information through Equifax for new loan information but didn't give it much regard as the bank chose to use the other 2 reporting agencies to approve us. After several phone calls previously and now trying to start the process of obtaining a home mortgage together we found out there were major issues that have now caused a domino effect with the mortgage company. The mortgage co tried to pull his Equifax report as they stated they needed him medium score in order to start the paperwork and processes needed and when they could not pull it they stated there had to be a possible freeze on his information.

On that site to check if you're affected, I wasn't, but from others I have heard it is not accurate, and instead it redirects you to their monitoring service. The only entities that know if you’re truly affected is the credit companies themselves, banks, CC companies, they get a list of people affected. @Melanie of Golden Valley, the servers, phone lines at all 3 credit companies are completely swamped due to freeze request, monitoring request, fraud reports, other issues. This is because of the Equifax breach that caused 143 million people to become panicked, and it’s pretty much mass hysteria right now all over the web. Because there’s so much traffic to these companies your requests may or may not go through.

I signed up for the freaking $19.99 a month fraud protection about three months ago and what did it get me, my identity being stolen. I never have trusted any of the "dirt bag" credit companies over the years. They all have information that is wrong half of the time and when you try to get it corrected, it takes months if not years. I have been trying to reach Equifax for over 5 days just to get my password reset and find out what happen on my account. I've been on hold with Experian for 1 hour now and no answer. Again, I paid this "dirt bag" company as well for their services. You would think if you were a paying customers someone would answer and help you. Every time I try to reset something and I give all my correct information it still doesn't work.

I have a member of all the credit reporting agencies since 1966. I've never had any payment issues and paid all the time as agreed. I just received a notice from a natural gas company turning down my request to change provided to get a lower rate. They said the denial was based on a credit report from Equifax. They are not user friendly. I have never received a credit report unless you paid for it. I've provide all the extra documentation they requested and still no credit report. They have been and are very difficult to do business with. Since the security breach, I 've requested a credit report and it said I had to fill out a form or pay for a credit report. This must be a money making scheme. My AES scores for is 981 as shown on the denial letter.

Equifax has made a HUGE mistake and it seems we can only wait around for our information to be used. We cannot even FREEZE our account through them, which should be free. Is Equifax really trying to cash in on their mistake? THIS SHOULD NOT BE ALLOWED!

In light of the 2017 security breach, today 9/15/17, I followed the FTC's recommendation to put a fraud alert on my credit file. In doing so (at least through Experian) the credit report company also removes your name and address from prescreened offer mailing lists for two years; unless you ask them to put your name back on the list. I had to call each one of them to have this done. Easily, I reached Experian and TransUnion. I spent over 1 hour trying to get the same done with Equifax, the company who put all of us in this mess to begin with. I can't get through to anyone at any of the Equifax phones. Can't even initiate a fraud alert without having to contact them by mail! This is just unacceptable.

After this circus managed to share our details with whomever, their website offers a way to do a credit freeze. I tried FIVE times. Each time after laboriously adding my personal information needed, I simply get an error message and am told to try again later. I am not surprised that this Mickey Mouse operation was hacked. The ironic twist it that sometime in the future when we have credit issues due to their negligence, these are the clowns that will "report" our credit.

Equifax sold our identities to blackhats for $$$, they need to be boycotted out of existence. Despite their security breech they keep lowering my score, refuse to take paid off medical bills off my credit report, and refuse to corporate with anyone, boycott them and anyone that supports them. If this site gives them any more than 1 star I will consider it a endorsement on selling our identities.

I have been working for years to fix my credit, and I am one of the 143 million affected by the breach - my credit score dropped 40 points! I am in the process of house shopping, but fortunately had my credit pulled about a week before my score dropped. I have just learned this today, as I received zero notice from Equifax to even check. Today I am unable to do the following through Equifax: freeze my account, create a fraud alert, retrieve my credit report, or send an email to Equifax. I can't even figure out why my Equifax score has dropped or what to do about it. I appreciate any update that people are receiving, because Equifax's website clearly doesn't cut it. Ugh.

My business applied for some credit and was denied because of the credit report supplied by Equifax. When I received a copy everything including our owner information was not our business but some other business using and for some reason listed as a parent company. This company has nothing to do with our business and is even in another state. I have written a letter, attached copies of proof that this is not us but I have no way of sending the information. The fax number provided on the Equifax letter for filing disputes does not work and the phone # that is also on the letter just rings busy. I went to their website and every # I have tried does not answer and ends up with a busy tone or the call drops dead.

I was charged for the June 2017 premium. I called to cancel and requested a refund. They refunded my premium. In July I was charged again, called again, requested a refund because my subscription was cancelled in June. They refunded my money. I was charged again in August, called AGAIN. This time they said they had no record of prior calls requesting cancellation nor did they have any records of refunding any money, therefore they won't refund my money. I told them I have proof in my bank account the money was refunded but they didn't care. Buyers beware!!! They are good at monitoring your credit but will scam you out of money if you try to cancel your premium paying products.

My credit score was 750 last year. This year when I was applying for refinancing my home, my credit score was 150 points less than last year for no obvious reason. I am inquiring from Equifax. This was also true with other credit reporting companies.

Unbelievable, I go through the process several times. Gave up on my phone. Would not accept their own code. Then I moved to computer. Put all info in again, and then got this page that said I had to confirm some things in writing. Absolutely not a problem at all with TransUnion or Experian. Now, what does Equifax do FOR us?

How did this company allow this to happen - After all that been said and done by the common folks these people at this company allowed it to happen to millions to people personal information - What will be done if these hackers use the information they got on a person, do they have a recourse against this company. You know who will make out is the leeches in Wash DC. They will make this company a fine into the millions for allowing this but not one cent will go to the person who life has been ruined by these clowns at Equifax.

Yesterday I learned I am among the millions affected by the Equifax breach. I embarked on the process of obtaining the free online credit reports I am entitled to every year. I had no problem receiving those from the other two agencies. When I tried Equifax, the security questions didn't apply to me. They addressed specifics about loans I don't have - student, car, etc. I checked the multiple choice option to state none of the choices were correct. I was not allowed to complete the process and told to jump through more hoops such as sending them photo copies of my Social Security card, driver's license, etc. My first thought was identity theft. I then did some research on Equifax and discovered I'm not the only one who has experienced this problem. In fact, it seems to be a method they use to get panicky consumers to buy security programs from them while at the same time selling them a security report they should be getting for free.

I read press reports about the Equifax data breach. Logged into USAA Credit Card site for my account. Was redirected to Experian (not Equifax) for a credit check. Found that an Experian Credit Report and score is $9.95, and a three bureau Credit Report and Score is $24.95. It appears on the surface that the data breach by Equifax may now be a money-making scheme for Experian as I later found that Equifax offers a "Trusted ID Premier" program that "offers COMPLIMENTARY" five separate items, including the Equifax Credit Report, a three Bureau Credit File Monitor and three other credit report services. I'm disappointed in Equifax's data breach, and equally unimpressed by Experian's aid to consumers...

2017 Cyber Security Breach - I'm one of the 143 MILLION people whose information has been comprised from Equifax. My financial advisers as well as the main stream media has recommended contacting the 3 credit bureaus requesting a "freeze of credit". The criminals who Equifax provided "My" SS #, DOB, and home address will use this information eventually, could even be several years down the road! I stated my request to a customer service agent who advised me "I" would have to pay a fee to freeze and unfreeze my credit line. He did offer a 1 yr free monitoring solution, yippee! My response to that was “Equifax failed to ensure my information was secure how can I put trust in Equifax to monitor my information," which he could not answer. I then spoke to his manager who gave me the same BS and could not answer my question nor provide a "freeze" at no additional cost.

Glad I canceled my Equifax monitoring account earlier this year. I had trouble getting into my account and called customer service. I asked the person who was helping me from Equifax where he was located. East Yemen. I want people handling my credit information to be in the country I live in. Equifax is disrespectful. I did not even give him information to identify me and I called my credit card company. Blocked all charges from Equifax. I sent Equifax an email cancelling service. Equifax has a responsibility to keep our information private and safe and I was paying for that very service. There is no excuse and they've failed miserably.

I have been working to get my credit score to be great for yrs so I can eventually take the chance on owning a business. So the time came for me to go apply and I was confident with my credit scores from the other agencies but never looked at Equifax before I went to the bank and applied for a loan. The banker told me what the requirements were and I was sure I would qualify so she said "Just to make sure you won't take a hit on my credit with the inquiry create a credit karma account and see what their score is for you because they are normally right around the ballpark of your score." I created the account while sitting in her office and my score was a 710 which was right around the number of my Experian and Transunion score so I wasn't surprised. So we put the application in for the loan and she said I was denied because my score was a 569 and then informed me that Equifax score is what they go by.

I got refused to verify my QuadrigaCX account using Equifax, and I have no idea why. Also, I tried to apply for a credit card money back from Tangerine, and I got refused, no idea why. Then I try to call them, and the answering machine is terrible, leads to nowhere. Keep asking and asking hard questions fully of typing and numbers. Awful experience I am having.

When I tried to check my Social Security account online. They ask me a few question through Equifax, that's who SS uses. But when I put my name and SS number in, it tells me my information doesn't match theirs!!! And froze me out. I've called three times. No one seems to know what I'm talking about. And they tell me I will have to pay to purchase my credit report before then can help me. What a scam! So now I have to go down to SS ofice to try to straighten things out. Which is next to impossible for me. I suffer from neuropathy. Which makes it very hard and painful to go anywhere.

I've recently run into a credit scoring issue. First off, I have worked pretty hard at getting my credit score up to an acceptable number and while not at the top, it is still good enough to get me approved for some credit cards with pretty decent credit limits. I recently took an offer for a credit card with a credit line 9X that of a card I had at the time and the new one had no annual fee, which no one should ever pay that just to hold that card. The financial institution checked my credit score with Equifax and at the time it was at 703 and that was on 27 Jun 2017, again, not great but not bad either.

I have had the unpleasant experience of 11 identity thefts in the past 8 years. Equifax has the worst customer care of the 3 credit bureau companies. I have had security freezes placed on all 3 bureaus and have sent police reports and other supporting documents to all 3 bureaus. Equifax continues to ask for all of these documents repeatedly in spite of my submitting them by mail to them.

The last 4 weeks 95%+ of the time I try to log onto Equifax site, the portion where you dispute information on your credit file, their system is down. Multiple issues have been posted, server error, updating, temporarily down, check back, I believe are all the messages I have seen. The other portion of their site always appears to be up with no observed down time. The other two credit agencies have been stellar. Something is up with the rash of down time for those disputing errors on their credit file at Equifax. I also have one dispute that was reported over 60 days ago, and they are supposed to complete the investigation in a 30 day period. With as much impact as credit has one's life, we can only hope they correct it.

I sought to get my credit report and credit score. When I searched this option online, Equifax came up first and it clearly says FREE CREDIT REPORT & SCORE. When I clicked on this link, the only option available was a $1 credit report and score which you must place your credit card down to receive this service. Don't be fooled. This is a way for Equifax to get your credit card information and they proceed to charge you $19.95 for services you don't need. Years ago, it was many months before I figured out they were doing this and thankfully, my credit card company refunded the $19.95 Equifax was charging me each month for six months.

There was a bogus hard inquiry from company I never did business with nor would I on Credit Karma. Only Equifax showed the hard inquiry. Transunion did not. I attempted to put a fraud alert on my account using the Equifax link. They charged me 10 dollars to do so and after the charge appeared in my account they sent me a note saying they couldn't do the fraud alert without a lot of additional documents.

This credit reporting agency is horrible! They need a new system on reporting. I have information on my report that belongs to another person in my town with the same name. They don't answer the phone. Once you finally get them on the phone they leave you on hold, pass the buck and are rude. They do not want to help, it takes 30 days for them to investigate! For my credit to back to Great again! Good thing I wasn't trying to get a mortgage anytime soon!

A credit card I never had appeared on my credit report. In trying to connect online with Equifax to dispute this item I was told they had my account. Then I was presented with a list of items supposedly on my account. Not one of them was true, so I checked "none" on all of them. As a result, my request was rejected and I was directed to another for that asked for a confirmation number. Since I hadn't filed a report, I had to such number, so that form was rejected. This is classic Catch 22, with no way to contact them to dispute something on my credit report without going through other items that deny me access to the dispute process itself. I had no problem online reporting this non-existent credit card to TransUnion. From my own experience and what I've read, it seems that Equifax causes immeasurable damage to many people with their arcane and hostile procedures.

Tried placing a fraud alert on my Equifax account as there has been some unauthorized use of my CC. I filled out the online form and hit ENTER only to be notified that "our system is currently unavailable". Tried again with the same result. Had the same experience several years ago. Completely unacceptable. Horrible service or more accurately DISservice.

Equifax is terrible with updating information on my credit report. It takes them 2/3 months to post payments and adjust outstanding balance(s), but yet Creditors tell me they report every month the balance and payments! Yet, we have a $400 charge on a credit card, and Holy Moses! It's on my credit report within days! How does a 'Inquiry', which I did not authorize get on my report? All I got from Equifax was, 'it's on your report for 2 years', even though I never authorized it. I called Bank, that did Inquiry and told them I never authorize, and reminded them, 'I've never done business with you', they took care of it within minutes!

After obtaining my boyfriend's credit report which was paid for from my bank account I wanted to cancel membership. They won't do it without speaking to my boyfriend. The membership cost is coming out of my bank account, but they have to speak to him? What a terrible business. I will never ever use Equifax again. Oh, and I was on hold for 40 minutes!

Just like A. Y. of Los Angeles, CA on May 11, 2017 I stopped using Equifax and didn't bother to cancel as my credit card was expiring so I just didn't update with the new details. A month later I see that the monthly subscription has debited and they have updated my details. I live in the UK and here I'm pretty sure that is not allowed. I called the call cen1tre and they told me I must have done it! Unbelievable. It was also pretty difficult to cancel and cannot be done online.

It astounds me that these people refuse to acknowledge and/or correct their errors. My attorney and I have been going around in circles trying to correct my report and all to no avail. These people should not be allowed to participate in this field of endeavor due to the enormous amount of inaccuracies generated by them. SHAME ON EQUIFAX!

I have Credit Karma, my Equifax score dropped 64 points after going up 46 last week. The reasons are because I have made my car payments on time and because two items dropped in amount owed. Really? Isn't that a reason to raise it? I call Equifax and the only help I get is a rep telling me to sign up, pay for the score and then she can help me. BS!!! Equifax is a rip-off company and should be held accountable for it. She tells me Credit Karma is not accurate... Well that app is the only one helping to get my scores where they should be. So Equifax is wrong and is only interested in people paying them.

I purchased a new home and I was going to be moving into it in about 3 weeks and I had to obtain new electric and gas service prior to moving in. I contacted the utility company in that area and had applied for new service. While I was on the phone with the agent and completing the application she replied to me. "Sir, I am sorry that we are unable to provide you services at this time as you have a fraud alert on your Equifax credit file". I replied, "What...? I just was approved for a mortgage and I purchased a new car about 4 months ago and there is nothing wrong with my credit as I always have paid all my bills on time". She replied, "I am sorry Sir, but until the fraud alert is removed from your Equifax credit file we are unable to provide you service and you must contact Equifax directly to have it removed".

I called Equifax the day that my subscription was ending to cancel my subscription. When I finally got to speak to someone, they informed me my card had already been charged. Not only were they COMPLETELY rude and unprofessional, they do not have any type of refund policy in place. Essentially they can charge you for whatever they want, whenever they want. Their advice was to, "dispute their charges with my bank." Unbelievable. PLEASE DO NOT give them any of your money. You will be sorely disappointed. Their reports are not user friendly, and the information in their report is less accurate than other companies.

I am trying to get a home Ioan and cannot because Equifax is not generating a score for me. Have started my process of attempting to find out why Equifax has not generated a credit score that is visible to me (online) or a to the credit company attempting to get a score for me, since May 12, 2017. I have spoken to 14 different individuals at Equifax and not one person is willing to take the time to identify why we cannot see a score for me.

This is the second time I've had to confront them. TransUnion and Experian both give me excellent credit scores while Equifax gives me a "poor". Looking into it they show completely inaccurate information. This is not just annoying, it can cost me a lot of money. Too bad you can't sue the crap out of these guys. They richly deserve being class action'ed out of existence.

Equifax is a credit bureau firm that is relied on by a huge number of financial organization. Therefore I was surprised that their client information on me is incorrect and my mortgage application is delayed as a result. There are others who have confirmed this. My credit rating is excellent but since Equifax has my current residential address as the one for which I sought a mortgage for many years ago and never submitted it anywhere as my residential address, the bank is waiting for a correction and collation of two files. The process of correction is archaic and fax based. It reflects on the institution's inability to stay current with today's methods of quick communication. They show extreme reluctance in accepting that the data errors are actually faulty systems and process management pitfalls. In my case there is no one else other than themselves to blame for gross errors of information compilation.

I feel rather relieved to see all the complaints as I thought the issue was occurring with just me. I called Equifax because I put a fraud alert on my account. I contacted Equifax to receive my credit file so that I can see what was showing to dispute it if need be. I spoke with someone in India who I could barely understand. Then she stated she would "try" to help me. OK if she does not know what she is doing then she needs more training and does not need to be taking calls.

Rep was abrupt and rude. It became obvious that as soon as I was not going to buy anything, her tone changed. She tried to get me to sign up for a paid service by using a different name for it. When I challenged her and declined services without saying thank you she said, "Okay, goodbye," and hung up.

I called Equifax and was on their website at the same time. After asking if I would receive a credit report straightaway, they said if I filled in the form on line I could access my report immediately. After filling in the forms online I received an email which stated that I could not access my report and had to email documents over. The woman was on the phone at the time still and she then told me I could not receive my report after she told me I would receive it beforehand, she kept going round in circles as reading from a script as I challenged her as being dishonest for leading me along to get me to fill in my credit card details. Very suspicious of this company now as they do not tell you the full facts before getting you to jump through hoops and then they still do not send you the information you require. DO NOT GO WITH THESE PEOPLE!!!

Has anyone else had their credit card numbers updated by Equifax without your knowledge?! Including the security code on the back? I had to close my debit card due to fraudulent charges and received a new one around the end of April. I was planning on canceling Equifax and then I noticed a charge on my new debit card. I NEVER entered my new credit card information and I just used it about 6 days ago. When I checked my Equifax account all of the cc information was placed in there INCLUDING the security code on the back.

For some unknown reason, Equifax has gone downhill in their credit reporting. If you don't join their credit reporting system on a yearly fee, they don't report your credit right at all. They partner with TransUnion when it comes to Credit Karma. Just how can TransUnion have a much better credit rating score than Equifax, I don't understand at all. A 30 point difference on my report and I don't like it at all. They really need to be reported to the Federal Trade Commission on their credit reporting and held accountable for their actions in reporting bad credit on one's credit reports. All three credit reporting companies should share and report the credit the same exact way. Just why our government doesn't get involved with this is also a shame on their part.

I purchased a product called Complete Premier Protection Plan and got charged for it. The product is intended and capable to refresh everyday, but it stopped working since April 24th 2017 and I a ticket was opened to resolve the issue from customer service. Today is End of 9th May 2017, I never received any Call or Email related to Issue and whenever I call to customer care they will make me wait for 30 mins. That's minimum and later they will say they will escalate the ticket and until now it's almost 10 times they escalated and no resolution and no refund, nothing. After talking to Customer service I was told that ticket is in Pending research status and it will take 7 to 10 days more. This is so horrible that they can't even differentiate the HIGH priority and SEVERITY of the tickets.

Equifax customer service reps are very rude and unprofessional to not do their jobs accurately. On April 28, 2017 my bank denied me of a loan I was trying to get due to Equifax having 2 files on me per my bank rep and not Equifax. So I contacted the dispute department not that I was disputing but because I needed to merge the 2 files that I had no knowledge of until my bank told me which is neglect on Equifax. So I was told that I had to fax my ID for Identity theft purposes. I never spoke of identity theft just to have my files merged. On May 2, 2017 I faxed the information and was told that I had to give them 48 hours and I would receive a letter in the mail confirming that my matter had been handled. I never got a letter.

This company is by far the worst of the 3 credit reporting agencies. Their business practices are prehistoric at best. They haven't had my correct address or reporting info on file for 5 years now. How can a company be so "trusted" when the info they have is 5 years out of date? For them to change my address I had to jump through so many loops I almost gave up. This company shouldn't be trusted with such an important piece of info such as our credit history. I own and operate my own business. If I was to treat anyone of my customers this way I wouldn't be In business

This company is fraudulent. Equifax reports scores as high as 40-50 points below Transunion and Experian. My credit has been moving in the positive for over a year and my score hasn't move on point. There is now a 40 point difference between what Equifax is reporting compared to Transunion and Experian. I now make sure I ask creditors which company they use when running my credit. If it's Equifax I pass. When you call you get someone in India that is rude and has no idea what they are talking about and you can't understand them. I asked them to explain why my score has remained the same for over a year and they told me they couldn't give me that information.

I reported an issue on my credit report and was informed it would take 48 - 72 hours to resolve. I even received a confirmation email that it resolved, however nothing was ever changed on my credit report. I just called Equifax AGAIN and was informed that the first time the coding was entered wrong, and there was nothing they could do except re-enter my dispute, and I would need to wait an additional 48 - 72 hours. The woman asked for my email three separate times and then informed me how important it is to have a high score to receive a mortgage and that I would benefit from their membership package, which I also already pay for. She then kept pushing me to pay for a higher cost package. Looks like they're really good at selling you stuff, and incredibly poor at actually updating and maintaining accurate records. I cannot believe this company is allowed to drastically impact people's credit with poor customer service and inaccurate reporting.

For over two years I have tried to get my phone number changed and updated. This has been an impossibly frustrating task!!! When I paid to set this up I have a company cell phone. When I switched jobs, I got a different phone and phone number. Little did I know that because the phone was not in my name I was told "I'm sorry sir, we cannot complete your request without a copy of your current phone bill." I had sent my driver's license, birth certificate, income tax, passport, and social insurance. Like really!?! That's not enough proof??? I eventually just got a phone in my name and sent that in when I tried to get a car loan. The people on the phones are completely incompetent and read from a script. So they do not answer your questions or concerns. When I asked the one person how long it would take she said 3-5 business days. 6 business days go by and nothing in the mail.

It is a waste of money and they lie to you when offer $4.95 free trial... Because I cancelled mine before 30 days and they charged me $19.95 for next month saying I did not cancel it before billing date... Anyway I will never use this service never ever again.

I signed up with Equifax for monitoring service and fraud alert. When open disputes closed and I was attempting to view the results of the disputes; discussing these questions with the agents led nowhere. I have had 3 calls and 2 faxes in the past 60 days to Equifax updating my mailing address per their requested method of communication (fax). Even after calling today a 4th time to check if they mailed out the results of the aforementioned disputes, they had not done it! Unfortunately the customer service seem to not understand what is going on. Every department I speak with is unable to do anything, transfers me to another department, until eventually someone tells me what I want to hear to get me off the phone.

I disputed a few items on my report. Equifax took 14 points off my score for the disputes. I've been working on fixing my credit for a year and a half now. It's pointless. Rep said in order to increase my credit score I need to obtain a mortgage and a revolving account. Surprise, surprise, I can't get either with such a low score plus Equifax doesn't handle disputes accordingly. Cash on the barrel for a house, car, and everything else. Credit bureaus should be done away with. It hurts the consumer and seller too.

In January I paid to be able to see my credit score on Equifax because I was buying my first car and wanted to be sure everything was ok. I told myself that I will cancel my subscription the next month. In February I wasn't even able to see my account! I thought to call but I didn't had time and forgot. Last week I decided to end this. I then try to connect to my account, I wasn't able, then I try the "you forgot your password" and it didn't do anything. Then I called and the first thing I heard was that they were too busy. So I send them an email in French... because I live in Quebec city, French is my first language and Equifax Canada is based in Montreal, a city in a French province! So, the next day I received an automatic answer telling me that they are receiving an abnormal amount of requests and that I will receive an answer in the next 2 business day and that automatic message was just in English. They are suppose to at least send it in both languages.

I canceled my Equifax monitoring product due to their customer service department is horrible. They can't help you with anything. I had a simple request. I disputed a DirecTV inquiry that came on my report without my consent. After jumping through 32 hoops I was told they couldn't help. I have no use for the monitoring product if that's the case. Also you get transferred out of the country to someone that you can't understand and has no clue what they are doing. I think we should boycott all companies that have overseas customer service. I am going to and will start with Equifax.

Equifax will not remove a negative account from my credit report that legitimately is not mine. I opened an investigation with all three credit reporting companies. Both of the other companies removed the account because it is fraudulent and the collection agency had no right to ever put it on my credit report. Equifax investigates it and comes back with "we have verified this is your account". I know for a fact they did not investigate because if they had they would have discovered just as the other reporting companies did that it is a fraudulent account. Equifax is horrible. Now I have to waste more of my precious time to figure out how to get this removed.

I have disputed a claim that I reviewed on my Credit Report with Equifax. I have disputed the same issue 3 times and have yet to receive proper or sufficient assistance, and this is with me assisting them and advising how they can quickly determine that the claim is not mine. For example, if you have someone saying that you owe a Medical bill and you want to prove it isn't yours then checking the Date of Birth and SSN should be a simple way of doing so, but Equifax just claims that my name was confirmed by the Medical company. Of course I have a common name but I implored them to check my Birth date and SSN with their Medical records and they responded, "We again confirmed this claim belongs to you via your name." This cannot be real, I don't believe that they can't do a basic check unless they really don't care about the people they report about.

Equifax is only interested in taking clients' money by their automatic billing charge. They still charged me when I had request for cancellation of my service even at the last date of the billing cycle. To my surprise, they quickly send me a mail on my credit rating after I wrote to take it up with them if I don't get a refund. General public, BE CAREFUL when dealing with Equifax. They are cheats. They forcefully charge clients when service has been requested to be cancelled. I intend to seek Consumer Protection Commission intervention into looking into my complaint.

While attempting to temporarily lift a security freeze, was numerously told they could not go through with the lift. I couldn't even get logged in! Very darned frustrating! I'm a law abiding citizen, trying to access my own info. I've got my security pin, but what good did it do?

I have written Equifax on 2 separate occasions that my credit score with them is always 80 points less than Experian and Transunion. I believe equifax does this because most business use them for credit worthiness of the consumer. When the score is lower the interest rate is higher to the consumer, which means more dollars to the lender and more business for equifax. I feel there needs to be a class action suit against them, I know I am not the only consumer equifax is screwing!!

After reading all these reviews, it seems like this company is terrible on many fronts, primarily with rectifying erroneous items on clients’ reports. Thankfully I have not had the misfortune of experiencing that myself, I have empathy for anyone who has and inevitably will in the future. I was a paying member for Equifax premium (monthly) plan and decided I no longer need to be. My first cancellation attempt was below average, being transferred to the Philippines to a less than coherent department with lame scripted responses... was told it was successfully cancelled, however I never obtained a confirmation email I was advised would be sent.

Equifax simply refuses to correct my inaccurate credit report no matter how much I call, dispute or send documentation proving their information is inaccurate. Not only is this illegal, but it's unethical, shameful and reeks with corruption. Everything this company does, every policy they enforce, the "customer service" they provide and the interface they direct you to only leads to create dissatisfaction, confusion and stress for consumers whose livelihoods depend on the financial information they report. Equifax has cost me thousands in interest fees because they simply refuse to report accurate information. They have refused to remove a 9 year repossession from my account; they refuse to remove a collection item that does not belong to me, they refuse to provide documentation for an account that was Verizon's fault and not mine and they also refuse to report open credit card and loan accounts in good standing.

I finally decided to check my credit and discovered there was a mistake. Using CreditKarma.com I filed a dispute with Equifax regarding the problem. All they did was put a comment on my credit report. So I signed into Equifax and noticed they had an erroneous address and was using a last name I had not had since divorce in 2008. Apparently the collection company I was disputing was reporting in my prior name and sending collection letters to someone in Bismarck North Dakota. I then went deeper into the dispute via the Equifax file and learned they sent an 18 page report to the person in North Dakota that included my former name(s), my prior addresses and some I did not recognize, my date of birth, my social security number and all personal information.

A few years ago someone opened a line of credit using my name when a card offer was sent to his home in error, because we share a first name, middle initial and last name. It must have seemed like a windfall for him. His year of birth, addresses and overdue payments are now listed on my Equifax account. Attempts to file disputes both online and by U.S. Mail have failed to result in a reply or effort at acknowledgment. Pathetically, I was informed during a recent online attempt that the correct information I was sending did not match their records and so my request could not be processed. If I could register this review with no stars, I would.

I have been unable to access my Equifax information online, particularly regarding the lifting of a credit freeze. No problems whatsoever with Transunion or Experian. Equifax has no record of a prior address where I lived for OVER 2 years. After hours on the telephone with the credit freeze department, I finally found what I hope is a fix, and hopefully it might help others with similar circumstances. Seek out the Equifax PERSONAL SOLUTIONS DEPARTMENT. Take good notes and always ask for a Confirmation Number regarding your issue. In my case, they discontinued the old credit freeze and issued a new one, sending a new PIN to my current address. If this doesn't work, I'll update in the future.

My data was breached and the retailer has told me I could have all 3 credit bureaus set fraud alert at no charge yet I find this requires a charge from Equifax. I cannot find a way around it on their website and refuse to signup for this and then cancel it... especially after seeing the other recent complaints posted.

I don't know how credit companies rely on such bad company, I have been having problems since 6 years and not being able to fix. I faxed over 4 times, called over 6 times, mailed all the documents, requested to remove a bad note in the system. I even called the credit company to make updates, but Equifax remove the note and few month later the note comes back. I'm frustrated and angry that I can't do anything. I'm under their mercy. This system is bad. Really bad. Someone somewhere should close this company down. Very bad phone service. Very bad service.

I had for more than 12 years had Comcast at my home for a very modest fee of between $15 and $45 per month. I got this special as part of my job as an apartment manager for referring new residents to Comcast and distributing their literature. When I left this job I continued to reside within the same community as I prepared to move to Port Orchard to care for my father. Comcast required as I was no longer going to be recommending them and distributing their literature to close my old account and open a new one. This was not too difficult as I was changing homes anyway.

Equifax refuses to correct an inaccurate as well as erroneous item they put on my report, stating the FI which made the error needs to contact them. However, that FI has done so in 2012 in addition provided me with a letter confirming the same. I have faxed Equifax the follow-up documentation to their HO in Montreal. I dropped off all relevant info back in 2012 at Eq office Toronto (in person as well). I have called and requested an escalation of the matter min 10 times back in 2012. This was ignored/dismissed again and again with the words it is the FI that needs to correct their report which brings me back full circle. BMO has already done that yet another FI has just advised me for a job search. They are still seeing this item on there, it has not been removed.

I echo another complaint registered on this site regarding unfreezing one's credit. I do not believe I was ever issued a 10 digit PIN number. Apparently the ability to lock and unlock credit used to be an Equifax owned and controlled amenity. After spending hours, literally, on the phone with some lunatic at Equifax, I learned that this component of their services has been given to an unrelated third party company. Despite the fact that when you call the applicable numbers, everything says you are calling Equifax. Assuming this longwinded moron is correct, Equifax has nothing to do with this company. All of this is super shady and pretty scary given the amount of information about you that these companies have.

My credit score has been great except for a delinquent account that wasn't mine and I disputed it with Experian, TransUnion and Equifax. Equifax wouldn't delete it saying it was my account while Experian and TransUnion has deleted it because they investigated and found it was not mine. I called that delinquent acct and they do not have my social security on that account, told me to just dispute it with the 3 credit bureaus. What do I do with Equifax saying it is my account???

I had to freeze my credit report but between the length of time that passed and my move I somehow lost the PIN number to unfreeze the report. Trying to verify my identity to get a new pin was overly complicated. They were not specific about what information I was missing and took multiple tries before I finally got it right. And then the website says to enter the 10 digit PIN to lift the security freeze but there is no box to enter the PIN into. They make it impossible for you to unfreeze your credit report.

These guys have a super shady phone system. When you call for your free credit report, you can't just get it. You have to navigate a maze of listening, pressing buttons, listening, pressing buttons. Yes I know this describes a normal call center but it is intentionally long, boring, and if you mess up at any point you have to start over. Also, it takes about 20-30 minutes each time and at the end they have a bunch of options that require you to pay for services but it doesn't tell you that you have to pay until you select the number then it asks you for your payment info. Your only option is to hang up and try again on another 20 minute call. I'm willing to bet that 95% of calls are from people wanting their free credit report so they could make the system easy but then they wouldn't make profits from tricking and manipulating people!

Our livelihoods depend on these companies who act with impunity and answer to no one. There needs to be regulations governing how they behave. For example, mailing all of one's information is not secure or efficient way to place or lift a freeze or get a report. These companies have no regard for the trouble they cause by having wrong information on a consumer and the delays they cause. There needs to be accountability.

Have obtained two reports from them, which show that I have indeed missed several payments. 11% of noted companies reported 2 payment periods missed. True. Problem? This stays with you for 6 years. This is Equifax's own policy. Legislation indicates that even with a bankruptcy they only keep on file for 6 years so why does a $130 missed payment stay for 6 years. There is no good answer. They refuse to acknowledge anything at their end is wrong. So even though in the last 40 years I have only had 6 missed payments, they their program decides my credit drops for upper 800 to 653? How does that happen. Crooks.

Equifax was trying to get me to pay for my free credit report by doing what they have done to many people. They put bogus questions so that your answers are "none of the above", then refuse to give you your free credit report, claiming that your information does not match. This causes people to think that there is fraudulent activity on the credit report, and causes people to pay for the report in order to address the fraudulent activity. Unfortunately Consumer Affairs will probably block this post like they did the last post.

How can this company continue to show that I owe a debt when I sent them copies of WRITTEN PROOF that the debt was resolved? Thanks to their terrible, inaccurate, and SLOW resolution process, my credit score has been impacted by a debt that isn't valid. Deeply frustrated by this.

Equifax ignored my email regarding cancelling my report. I requested a report for my credit card around 14 Months ago, I got the report and send them an mail clearly saying that: "I do not want your company to check my credit anymore." Now after 14 months I found that they ignored my email and keep charging me each month for 16 CAD for the past 14 months! I will never use this company and absolutely never recommended them.

Try cancelling the $16.95 charge on your account. There's nothing on the website to let you do it, and I ended up being transferred to three different numbers - each one telling me that the one they were giving me would be the right one. Then the guy on the phone tries to tell me to get an updated score now and call back to cancel since I still had two weeks on the account. I told him not a chance. The whole thing is a scam. The monthly billing for a product I never wanted in the first place and the labyrinth of calls and waiting on hold to cancel the damned thing. I can't believe reputable banks like Scotiabank promote this company. They tarnish their own image by doing so.

I had to cancelled my Equifax this morning because I received an email on 9/30/2016 stating that my subscription will automatically renew for another 12 months for $50. Please see the partial email: "We're letting you know your subscription will automatically renew for another 12 months on October 30, 2016, and $50.00 will be charged to your credit/debit card on file, unless you cancel your subscription before October 30, 2016."

For the past 18 months I've had the runaround with Equifax trying to get them to correctly report my credit history and credit cards. My TransUnion credit is excellent correctly reporting my 6 credit cards and length of credit history. Equifax is reporting me at fair and only reporting two of my credit cards. I'm sure my credit history of only a year when I've had credit since 1983. This is affected me getting a good interest rate on car loans and my husband had to get a mortgage on his own as Equifax's incorrect reporting affected our interest rate on a house by 2%. I have confirmed with all credit card companies that they do report to Equifax so that is not the problem. How do I get them to correct my credit as letters and phone calls have not worked?

How can a credit bureau not have a customer service line? All I got is a repeated automated system that looped me around and around when I need to speak with someone to lift a freeze account! Not only I did not put a freeze hold on my account, secondly, I can't speak to someone about it. They only provided with a mailing address to send in my inquiry by mail! #thisis2016fyiequifax!

I don't understand how a company that is supposed to be highly credited by any institution for having my credit rating could be so unprofessional and unorganized. I have tried to get my credit report in so many ways and not one of them worked BUT I AM BEING CHARGED TO MY ACCOUNT. Their website is absolutely horrible. Apparently my credit card information cannot be verified yet they somehow got into my account to charge me. If any one needs a credit report, please use another institution. This is definitely not a professional company, even their customer service operators are clueless. How are they still a business I don't understand. After my experience I don't trust them with such delicate information ie. SIN NUMBER. Why would anyone trust a company that can't even get their online service to work properly? It is easier to shop online from a clothing store than to buy my credit report. SO UNPROFESSIONAL!

I called to cancel my account with them because I was not happy with what was provided. They say they update your score but they don't. Their website is not user friendly. The day I call to cancel my account, they charge my bank for another month then tell me that my account will be canceled on 11/27. If I wasn't happy with your service in October, I'm not going to pay to be unhappy with it again in November. Of course all of the supervisors were busy. I tried using the Equifax secured messaging and emailing them. All saying they can't do partial refunds. I'm not asking for a partial refund. I am asking for a full refund. I called and canceled on the same day you debited my account for the monthly fee. Equifax is not out for your best interest. They are in it for the money. Don't be scammed by them. Their website does not offer what they say it does.

Two times I have been told there are no products associated with my account. When I call customer service, they say there is a security issue and I must fax in documents. This has happened twice out of 3 months of membership. Their customer service staff read from a script and do not offer to help you, nor do they provide information. Although you can not use the product they will not reverse the charge. Here is their message: "Equifax Customer Service. No Products Available. We apologize for any inconvenience, however, we are unable to log you into our system at this time. Please contact our Customer Care department at Equifax Customer Care or 1-877-47GUARD (1-877-474-8273), 7 days a week between the hours of 8:00am - 3:00am Eastern Time Zone and we will assist you with resetting your sign-in information."

When you apply for a loan say title loan or credit card. You allow that company to do a credit check. They in turn have a credit bureaus or other that do it. Well I found out of the three Equifax refers your information to other financial services without your request or consent. Which in my case caused multiple hard inquiries that I never applied for. There's one particular company over the past 1/2 years I've got about 8 inquiries. They continue to recheck it over every few months damages your credit every time. I've got over 12 in the last year 7 months, only 5 I know are ones from two. I've got a loan - 1 for a credit, 2 I denied. The rest I didn't.

It's funny that I came to them seeking identity protection and to be able to monitor my credit score. However, in the end they were the biggest threat to it. I subscribed for 2 months when I felt my SSN was compromised. At a month and a half in I attempted to cancel my subscription and even deleted all my payment info before hand as double measure to ensure I would not be billed again. Well... I received an email stating I was billed AGAIN. How? They don't even have any payment info to go off of. Apparently when my call was escalated to a supervisor (the first rep said he could not help me and only tried selling me more product after I told him I don't want their service any longer. He also talked very condescending saying I was repeating myself etc)... He said the only way to get my money back for the last month was to dispute it with my credit card company.

I just asked them to get a report with my credit score. The guy on the phone doesn't understand English pretty good. He just memorized the script of the product. I was clear I wanted a score with the report but still he gave me the wrong report. My brother bought that report for $14.95 yesterday and both of them in less than 12 hours wanted to sell me that report for $17.95. They sucks. They don't have customer service. If a customer tell you you have the offer you gave it to them not sell them what they don't want then charge them for it and for the correct one too. I wouldn't recommend them for anyone. If I don't get what I want how my friends will get their's???

Equifax is the most unprofessional service I have talked to or tried to talk to. They do not understand or speak English very well. They obviously only know their script which is to sell you their product. I am having a problem with fraud and do not want to pay them to make sure they are not putting fraudulent information on my acct. They should be held responsible for the information they put on mine or anybody's account.

Rating for Equifax Canada. I loathe dealing with these people, first trying to get through their menu is awful and when you do get through they can barely speak English and are always trying to sell you more of their garbage. TransUnion is much more better to deal with and their website is crisp and more user-friendly.

Paid online to get updated score and report. There was only one item listed. I was told that I would have to provide all of my account info including credit cards and details. Also to contact each financial institution to have them update Equifax info. I told them that I paid the amount to retrieve info not to have to gather info for them. Kept getting transferred to different departments in Philippines and India of which I could not understand. Absolutely no resolution at all.

There's no way my credit score is this low. I'm rated 100 points lower than Experian and TransUnion. I never carry a credit card debt. My only debt is a mortgage. I'm RARELY late on any payments, most are automatic deduction. I don't get it.

Paid 7.95 for my score and still have not received it. They deducted it from my checking account on 8-5-16. I finally received my report but had to call them back after more than a month waiting. When I called to let them know that I got the report and to ask about my score, they said that it was sent to me on 8-5-16. The same day they deducted 7.95 from my account... They said "sorry nothing further can be done because we sent it already." Scam!!

Since July 11, I have contacted Equifax by certified mail 4 times to request that fraudulent information be removed for a client who was the subject of identity theft. Experian, Innovis and Trans-Union responded fully and immediately. Equifax has yet to take any corrective action, and it has now heard not only from me, but also from the 9 affected credit issuers. Equifax is not responsive and deems itself unaccountable.

Can anyone help? I have spoken with many customer service reps and always get a different response. I have asked to have a alert removed from my file. Sent them documentation 3 times. No one will help. Reps repeat themselves and talk over you. Supervisor was supposed to call back 3 days in a row. No call. So frustrating, can't get a loan without removing this alert because of changing my phone number.

I was checking my credit in connection with a new rental, tried Equifax quick review, but never signed up for their "Complete" plan. Of course the fine print opts me in, so I try to cancel, and they won't do it... literally like a maze of emails and phone calls. Kafkaesque. I have red flagged them at all my banking institutions. They have even asked me to email them a scan of my driver's license. Wow! Imagine where this info is going. They continue to charge me and I continue to dispute it. I am in the process of looking into legal action, and making the appropriate authorities aware. STAY AWAY!

First off whenever I call I always seem to be connected to India somewhere. They never know what I am talking about or is always trying to sell me something. I disputed a account on my Equifax report. The account was deleted and then added right back which dropped my score 6 points. No one is able to explain to me anything about my report. All they keep doing is trying to sell me products. To my knowledge according to section 611 (a)(5)(b) if the information was deleted as a result of a prior dispute the furniture did not the required certifications to the CRA or the CRA does not provide you notice of reinstate and this is a violation. I was told to dispute. I truly believe that no one there really knows anything about the services. Their only goal is to sell products.

I filed a dispute for a bill that claiming owe for 3 month plus additional fees. I only had satellite tv for my place. It was not behind. I canceled it and returned the equipment. Soon as I called and canceled service I disconnected all of the cables to my wall and TV put the stuff in a box. They deliberately took months to send me the equipment box, so they could charge me the 471.00 for service for less than 60 to 70 days that I didn't receive. They tried to double my cost for basic satellite, no movie channels just basic channels. Cartoons, and TNT, USA. I think that was the only channels I used. They want to bill me for services I didn't continue. It not going to be left in this. They have falsifying my reports had several installments on my report I had only 1 active loan. Never had 2 or 3. Not appreciate the damages they do to people life. I'm not going to give up.

Cancellation is next to impossible for busy families. I am SO aggravated after speaking to customer service! They won't let me cancel my husband's account. He doesn't have time to call so now what? We're stuck paying the $20/month until he gets time to call in??? NOT FAIR! Just cancel the damn account already! UGH customer service was so rude!

My family decided to try to get a home loan recently so my son and I both checked our credit scores. No major problems with Experian and Transunion but when we got to Equifax we both had the same bogus listing for a mortgage loan and a student loan that neither of us has. When we tried to dispute it online we kept getting turned away after being told we were giving false information. How are we to ever get anywhere if this company is allowed to lie about what's in our files. We struggle by as it is without having to deal with these problems.

Strongly believe Equifax is not fair reporting accurate credit info. Derogatory marks and old debit that can't be verified was removed from Transunion straight away. A month or so later from Experian... However Equifax never removed a single entry. Equifax is reporting my home mortgage as an Installment loan. Disputed all inaccuracy and nothing has been done. Hired ecreditattorney.com and GreenPath to pay off all outstanding debit. Almost a year of credit repair and I can't buy a piece of bubble gum on credit unless I am willing to pay 30%+ interest! Have no other choice but to report how unfair reporting can be... Attached shows how far of Equifax is on removing disputed items! Totally off...

Been trying to reach Equifax to resolve a denial letter based on their report. Impossible to reach. A Mickey Mouse answering dummy will not let you get a real person. I have written to these ** and faxed the requested information to no avail. They suck!!!

Equifax is a pain to deal with. I've spent $50 in certified letters to dispute incorrect and items that don't belong on the report. They do not investigate anything. They marked something as satisfied that isn't and should be deleted. Customer service sucks and God forbid you ever have a freeze on your report it takes months for them to give you access to your own report. This is not a company that should be relied on when you go to get a loan.

I have a security freeze on all 3 of my credit reporting accounts. Arizona law provides that it costs $5 to lift the freeze each time, and last month I choose to do this in order to obtain information for a new mortgage. I had no problems with the other 2 agencies, but Equifax insisted I have a suffix as part of my name, which I do not. I sent them a copy of the original paperwork, which includes my name, address, social and PIN and they still said it's not me. I sent them a copy of my original social security card, and they finally agreed to lift the freeze, but it was too late because the other 2 companies had already put theirs back! So I'm out $15.

Ridiculous experience with trying to obtain my PIN for my credit freeze. I sent them every bit of information asked for. Yes, this is everything someone needs to hijack your identity. Instead of getting the PIN, they sent me a form letter stating that because I didn't include the PIN, they couldn't send it to me. When will society demand that these companies stop having access to our SSN? That is the one thing needed to hack your identity and every time you contact a credit agency, they ask for your SSN.

I contacted Equifax about removing a temporary freeze and they still haven't done it. Also they gave me a confirmation number but when I call to check on it the system telling me it can't find my information. I don't think it is right for them to do whatever they want with your information if you told them what you wanted them to do.

I'm a victim of identity theft so I constantly get inquiries on my credit report of someone trying to open accounts using my information. Since I have credit monitoring, I'm instantly alerted when this happens, and I automatically log into the CRA's website and start a dispute, and if they provide the phone number for the credit grantor, I immediately call to advise them it's fraud and to close the application, start an investigation and send a letter to the CRAs to have the inquiry removed. (I already have a 7-year fraud alert on my report so the application never gets completed nor an account actually opened). I have 6 fraudulent inquiries on my Equifax report, dating back to Dec of 2015, which I've disputed using their online dispute option.

Couldn't not get anyone on the phone that could help me, not even the supervisor. They were more than happy to talk about selling me their services but not about helping me with if I had a credit freeze or not.

I have just checked my Equifax data via Clear Score (no wonder it's free!) and horrified to find that the information Equifax contain is woefully incomplete and inaccurate. Firstly they have my date of birth wrong. How on earth can a credit reference agency have the incorrect date of birth? Next they have an association with whom I haven't been "associated" with for over 8 years. Thirdly my biggest financial commitment my mortgage is not recorded anywhere on their records and I am recorded as "no mortgage".

and they reported to transunion too just in case. It's companies like this that make me want to riot. Anyone else know what I can do hold them accountable?

I would not recommend Equifax to anyone. I took a 7-day trial out for this product. Within 4 days, I realized that I would not be needing this service. I called one of the toll-free numbers to cancel. I talked to a representative who took all my information and assured me he would cancel the membership. After 8 days, I notice a charge on my account for $19.95. When I call again, one number shows no record of my call and another number shows no record of my having this service. I would advise anyone who wishes to cancel this service to get any and all information you possibly can and do not trust any of these employees to do as they say they will. Also, keep checking to make sure this is canceled and make as many calls as needed to get this taken care of. Better yet, don't be as naive as me. Don't take this service out to begin with.

As others have stated they are completely flawed when it comes to reporting your credit. They report my score a full 35 points below the other agencies. When I try to do direct dispute they have erroneous information and then state that the information doesn't match and to fax in your dispute. What a joke. I've done that before and incorrect items that were removed from Transunion still stay on Equifax as being "accurate and owned" by the consumer.

I contacted Equifax to find out how come I could not dispute an inaccuracy to my credit report. The online site asked about a recent car loan, which I do not have, also about a credit card, which I also do not have. So answering the questions 'none of the above' it then stated to contact Equifax directly. I did, which took forever to even find a number to call. The person on the other end asked me the same questions and then told me I was not who I said I was. Excuse me??? He then asked me for previous addresses, which I gave him, and still "This doesn' match the information that we have on file."

People at all of the credit reporting agencies are a bunch bull... You sit at your desks playing GOD with people's lives. If you don't want to work you ** can the paperwork that comes across your desk. I have credit cards and I never miss a payment, I have a car loan and I never miss a payment, I have a mortgage and I never miss a payment, I pay all my bills on time and most I pay early, yet you say my credit score is poor and TransUnion says it is very low. I purchased a new car in Feb. 2016 with Capital One with no problems, but because the dealer and I both checked my credit score my credit went down. I have tried to lower my mortgage by refinancing my loan but even though I am a Vietnam vet. I get told that no one will talk to me because of my credit. I fought and almost died for people that make the big money while they sit on their **, and tell me I have poor or very poor credit. Like I have said this IS...TOTAL **.

Equifax gives me a poor rating because of short credit history. I am 66 years old. I have bought houses, cars, motorcycles, jewelry and tools on credit. Their failure to do their job is pathetic! TransUnion, not much better. As all jobs move to India and the Philippines, or Mexico, it will get worse.

Once again, I have gone onto Equifax to obtain my routinely disappointing report at the sum of £14.95. Once again, I received a report that a) does not reflect the present position of my credit status, to the extent that it is woefully inaccurate and b) further arbitrary deductions have been made against my profile. I no longer am prepared to accept that Equifax are a third party and rely on lenders providing information, when Experian provide a brilliant service and update their consumer reports on a daily basis.

Recently placed a fraud alert at the Credit Reporting Agencies. Received a two-page confirmation letter but no credit report from Equifax. Searched everywhere for a live customer service number to call. Finally reached someone, it seems, at an off-shore customer service site. The number on the two-page confirmation letter was not the number to bring up my report. The agent then wanted my personal information to retrieve it. Did not feel comfortable!!! I just placed a fraud alert on my account and Equifax wants me to speak with a foreigner in a foreign country! Is it any wonder identity theft is on the increase? Can't we get American customer service agents? Does anyone have a number?

Been trying to dispute through Credit Karma. But gives me choices of items that mean nothing to me. Instead directed me to fax personal information. Clearly it's been reported that the wrong information is being reported by the same collection agency. Only the dates are different but Equifax wants to report a collection of almost 12,000 when it's half that and is the same collection agency. Only difference is one is October 2010 and the newly created one says December 2010. Come on. Funny how impossible you make it to dispute this? My friends tried disputing items on Equifax, also not allowed. Must be some kind of scam between them and the collection agency.

It is nearly impossible to lift a credit freeze with Equifax! Obviously, they either change consumer's PINs without notifying them or just do not keep good records. This is really sad considering how much of my personal information that have without my consent!! I do not think that they should have access to my personal information and be so inept at providing customer service!!

I have experienced the same issue as other reviewers in that I needed to correct the spelling of my name that was evidently misreported by a creditor. Equifax elected to "update" the spelling of my name and override all legal references in their system. It took me several hours to resolve the issue. When I was advised via email that the spelling of my name had been resolved, I discovered that the email was addressed to my misspelled name. The employees are incomprehensibly incompetent, and the processes ludicrous. The onus for reparation of inaccurately reported information should not fall on the consumer. It was unfathomable that I should then have to provide personal documents to them prove I am who I have always been. I'm disgusted that this company has access to all my personal information and credit, and the ability to enforce their own rulings as they see fit. It's asinine.

Equifax has terrible customer service. They put my name, spelling was wrong about four times. At first I called them, they won't change. Ask me to fax or mail to them. After I mailed them the copy of my passport and driver licence, after one month, I received a letter with the reference. My name still wrong and then I called them again to take forever to correct my name spelling right. The point is - The Equifax totally lost my trust. They are a company to help the customer to protect the credit, but my experience with them is terrible. They make mistakes all the time. Either they change or close the business.

I needed to lift the freeze on my credit file so I went online to do so. The first time I tried, there was no response from the website so after about 5 to 7 minutes, I started over. The second, third, and fourth tries ended in errors. Finally, on the fifth try, I received the response that my credit was not frozen so the lift could not be completed.

These guys at Equifax are thieves. Do you know that there is no button to cancel your subscription online? You have to call them first. Can you believe that? Stay away from it if you don't want to get billed a couple of months before you realize you only can cancel by calling them. I wonder why you can sign up without calling them but can't do the reverse. "Equifax Complete Advantage Plan" means it's their plan to take "complete advantage" of you... I'm really pissed I fell for it. I hope they burn in hell.

I would like to commend Equifax for removing an erroneous filing against my credit report. I contacted them via certified mail that the company was putting a fraudulent charge on my record. They followed-up with the said company and corrected it immediately. Now, if they would only raise my report - the 84 points they removed in one day when it went on my report!

I have disputed a few items on my credit report that are inaccurate and Equifax has ignored the situation. I first filed my disputes to both Equifax and TransUnion back in April 2016. TransUnion has fixed the issues however Equifax has not. I then sent a letter via fax to them in May 2016 asking them to please correct the problem and still today no changes made. There is a closed, 'paid in full' account they show balances on and open from tide water services.

I signed up for all three credit reports. Experian and TransUnion info correct. Equifax has all false information, wrong accounts, wrong amounts. I have been trying to contact them to fix this information and no one gets back to me. My names are not even correct. Now I have to file complaints against them. I realized this when my bank checked my credit for a refinance. Beware. This company is a scam.

Recently I decided to check my credit report. Have used the site creditkarma.com and received reports from Equifax that I wanted to dispute. While answering the question error on the Equifax site I was asked to confirm whether or not I had a mortgage. According to the report I supposedly had applied for one several years ago. This is not true. I have been a renter for many years and have never applied for a mortgage. There are also some other strange questions about some credit accounts for which I supposedly applied as well as unknown loans. The final result was I was not able to dispute anything on my report. The reason given was that the information I provided was not true. I was also advised to fax a copy of my driver's license to a particular phone number. I do not feel comfortable about this. Why is there no other way to resolve questionable information on my credit report?

Recently I applied for credit to purchase a car, which I was denied and I was told to contact Equifax to see the report and details of my credit. I called the 800 number, several times with no success, and then all of a sudden I receive an email stating how to enter the site and they gave me a username to enter, but no password because I was told to use the password when I set up my account. Well, I never set up an account to begin with, so after several tries, I was logged out of the system. This has become a big pain. I am only trying to restore my credit to a better standing, but this is a nightmare dealing with Equifax. There is no way to speak with anyone. It's all automated and good luck if you don't get cut off or put on hold for literally 30-40 minutes, and still try to work and maintain your job.

First off the phone call is routed to India where I couldn't understand a stinking word this woman was saying. Secondly I called to have removed a negative mark on my report from them and I was first told that I need to call the courts to have it removed. I explained to the Indian lady that they don't do that. They just show as satisfied. She tried arguing with me about this. Then she said that it shows up on my report for 7 years from satisfaction. I asked then they are the only credit reporting company that doesn't remove negative things from their reports seeing I had called and sent in to both Experian and TransUnion showing that this was satisfied and they removed it from my credit report. I told this lady that because they don't remove these things it is affecting my credit score by 79 points. I told her that I hope companies don't use them because they are way off!

I have used the Equifax website for almost a year now. In the last 3 months I have had problems logging and it keeps getting worse. I have not been able to log in for 3 days now. I can't even get to the Sign in page. I can get to Equifax.com but if I click on to the "Member Sign In" page, it just times out. It used to take several tries, but now I can't log on at all. All I get are these out of country people that won't even pass me on to a boss. I have asked for my money back and they won't even give me my $9.98 back. They keep telling me it is my computer and my internet connection, but if that is so how come I don't have an issue with Transunion or Experian? I can get to my bank websites, credit card sites, email accounts. I have no problems except with Equifax. I think that 3 months is long enough for them to tell me what is going on. They continue to tell me that it is not their fault. It is my problem.

When I had my credit card number stolen in 2011, I began service with Equinox. They changed their terms of service and tried to sell me a higher priced product which I declined. Now, my credit is locked and I have no access to changing anything plus companies that I try to do business cannot run a credit check on me. They say it is my fault because I changed my plan and didn't remove the credit lock. I did not change the plan, they did. Now, in order to remove the lock they are requiring me to upgrade to the higher priced plan. They said if I just dropped Equinox service my credit will remain locked. This is extortion plain and simple. They are supposed to be "working with IT department" to remove the lock - which they caused, but it will take up to 9-10 days. If you are think of service with these shysters, beware. They will extort for higher priced services and if you don't pay up, your account will be locked!

Equifax is the most efficient of the 3 credit monitoring bureaus to correct a credit report. Changes can be done by phone immediately. Yesterday I reported that an overdue account report should read 0 balance. Equifax phoned the bank that day, which confirmed. Today I phoned Equifax and they said the account no longer appears on my record, it has been deleted as being potentially adverse. And they are mailing me a free, updated Equifax credit report.

I desperately need help! Equifax is showing an old credit card account (Sears) that I paid and closed over 10 years ago. It shows that I did have late payments but that was over 10 years ago. I asked to have them remove it as the other credit bureaus are not showing it. Other than that I only have 2 student loans which I am current with and have no missed or late payments. Equifax refuses to remove it as they said that although the account is closed, since Sears sends an update every now and then stating that there is no activity they will not remove it for yet another 10 years. Sears shows that the account was paid in full and closed 10 years ago by me, yet Equifax refuses to remove it. I have been working very hard to get my credit in good shape as I want to apply for an apartment. I can not comprehend this at all.

I am currently on my 4th hour with customer service to resolve a misspelling of my name. This is PROFOUNDLY HORRIBLE customer service!!! I have excellent credit and should be able to just get my report. Equifax is by far the WORST business I have dealt with!

In May of 2015 I purchased a car. The car dealer was going to do the financing and they said, one of my credit reports (Equifax) showed I filed a Chapter 13 on July 10, 2008 which I never did. I wrote them and ask them to remove it. On March 8, 2016 I checked my report again and it's still on it. I wrote them almost a year later on March 8 and again ask them to remove it again. I have yet to hear from them. This isn't showing on Trans Union or Experian and I told them this in both letters. I might have to get an attorney and sue them.

Equifax sucks!!! Worst company I have ever dealt with... They are a big pain in the ass. They should be shut down...

I have been trying to get my mom's report in 20 days and no success so far. Worst customer service ever!!! My mom is 78 and has been waiting for this subsidized apartment for 5 years. They used Equifax to run a background check on her and it failed. All it says - "File is frozen, Input identified as fraudulent". She has never had any issues she's aware of and has never been notified of any issues. Never used credits and has no debts (according to Experian reports). To make a long story short, it's been 20 days since I first contacted Equifax to find out what the issue was. I still have no answer. It takes 30 minutes to get a live agent on the phone. Dispute Department cannot be contacted by any means other than the phone. I spent hours during few days in a row to get a live agent on the line only to tell me that their system was down and they could not help me. They kept telling me to call in 30 minutes and I did, but the system was still down.

Absolutely zero help. They are frauds. I spoke with a representative who told me his name was Anthony, gave me identification # **. When he was not willing to help with my issue I asked to speak to a supervisor. He put me on hold for 4 mins. and returned to the phone and said "This is the supervisor". I told him "You're the same guy" and tried to convince me otherwise.

I called in because there was a discrepancy on my credit report. Well they asked me all types of personal questions to the extreme and refused to give me information about my credit report or the change discrepancy on my credit report.

I've tried several times every year to get my free credit report which is required by the law, yet I always get turned down. This is unacceptable.

I have been trying to update my info with Equifax for months. The info that they have is over 10 years old and some is wrong. I tried faxing them and that doesn't work. The 1-866-828-5961 number doesn't work!!! Can only reach the automated system. Horrible Horrible!!!

Equifax is reporting invalid information on my credit account. I have written them twice and tried to contact via telephone and Internet. The internet says they are not able to verify my information and I've received no response from the letters that I have written. Is the only way to get their attention to take them to court. They are showing an account that is not mine.

Purchased Equifax membership and after 18 months called to cancel. It took me 45 minutes on phone with customer service. Cancelling was unacceptable to them and I had to finally be very rude. I would never recommend this service unless you are never going to cancel service! Horrible customer service!

My wife died last year and I have not been able to get a copy of her credit report from Equifax. They insist on a letter from the estate although both other credit outfits accepted a marriage license, death certificate, and about every other document I could think of. There was no estate and in California it isn't required. I am trying to determine her debts, not apply for credit in her name. They put a freeze on her report when I requested it after her death but they won't help with this, even when I sent a letter from an attorney.

I lost a home to foreclosure in 2012 which was closed in the same year. Transunion has it as a closed account but Equifax has it as an open account. Tried to dispute it online but it said the info was incorrect. How can the info be incorrect when it is my info and I know what it is? How can anyone accept a report from Equifax when they can't keep up with current information. Poor excuse for a credit bureau.

Equifax causes me so much headache with their lack of investigation on the part of their clients. First and foremost my Experian (708), TransUnion (688), and FICO (716) scores are all on point and up to date with current events (some small suffering to scores from a legal issue around the holiday season but all is bouncing back now). My Equifax is 488! There are things on that report that don't even exist and one positive thing (paid off a $6216 finance over 3 years) is listed as a negative item. I have written them numerous times and complained about them numerous times and yet they REFUSE to correct the issues. One thing on there is a claim from Comcast that came about roughly 6 months after I cancelled service with them because for TWO YEARS they did not provide me with the appropriate equipment for my service.

I have just submitted my FIFTH dispute/complaint in the last year for incorrect information listed on my Equifax account. This time, Equifax added two collections accounts that clearly do not belong to me (I wasn't even in the same state at the time!). Has anyone else noticed that Equifax has more errors on their reports than the other credit bureaus? I rarely have issues with TransUnion and Experian, but I constantly have to dispute items that are not accurate (or even mine!) through Equifax.

I attempted to set up an account with Equifax today however I had to call in as the site couldn't verify my identity. I told the customer service rep on the phone to set up an account. However after 20 minutes of being on hold because they couldn't process my credit card, I told them to cancel the order. The rep said ok he would cancel the order therefore I went and set up an account with TransUnion.

I tried to purchase Equifax Premier Credit Service for $4.95 the first month and $19.95 each month I decide to keep the service beyond the first month on 2/12/2016. The service provides all 3 credit reports and scores. It is a very good price compared to what the other credit companies offer. For some reason my request would not go through even Equifax charged my credit card. I called their support number the next day. The guy on the line tried to verify my identity for about 20 minutes. He asked me for information on some of my existing accounts. He could not find several of the accounts that I have and after about 20 minutes he finally verified my identity. Then he explained he cannot offer me the same deal that is available online. He did offer to sell me the same service for more money. He also offered to sell me other products I do not want or need. It felt like a bait-and-switch scheme to me.

I went into Sears to buy a cordless screwdriver and opted to get a Sears charge since they said I could get $15.00 off my purchase. They checked my credit through Equifax and I was rejected due to delinquent reports. I have a 826 FICO score through Credit Karma (Equifax is one of reporting companies for this score). Last week, I financed a brand new car. I have AMEX, VISAs, MASTERCARDs etc. and was just thought $15.00 off my purchase sounded like a good idea. So after the rejection at the register and the embarrassment, I went home and got my Equifax report online. Guess what? I could not find anything wrong.

I attempted to submit an online dispute to Equifax. Their verification screening is inaccurate and ridiculous. With my credit report in front of me, I attempted to answer their questions. Three times it told me my information did not match theirs. Interestingly enough, it was a breeze to do this with TransUnion via Credit Karma. Equifax, your security system may be secure but it's extremely ineffective. Now, I have to wait to speak with one of their reps by phone. I can only imagine how that's going to go.

Been faxing in my driver's license, social security card and other documents for 3 years. Still waiting on their errors to be fixed. Still have not been able to get them to allow me to see my credit report, which is much lower with them than any other credit company due to the number of errors they have refused to fix, up to and including my name and address they have on file. According to them I need to learn my name and address is what they say it is. Frankly I hope this company is shut down due to incompetence.

I was granted bankruptcy in September 2010 and was discharged from the mortgages I shared with my ex-husband. In 2015, my ex-husband make several late payments, which came to light when I applied for a new mortgage loan this year. This is a legal infraction against the injunction of my discharged bankruptcy since I have not been responsible for payment since 2010. TransUnion and Experian cleared up their mistake with a single phone call. However, Experian continues to drag its feet, causing me to lose the ability to purchase a new home. As of February 20, 2016 I have every intention of filing a motion with the Federal Bankruptcy court to place an injunction against them.

I am a victim of identity theft. I needed to add security freezes to all three credit bureaus. There was no problem with Experian or Transunion. The address on my Equifax report was a fraudulent address, so I asked them to remove it and reinstate one of the other addresses as my current address. They said they couldn't do that until I faxed proof of my identity - copies of photo ID and SS card. Then he tried to sell me a bunch of products! I faxed it and was able to get them to correct the address, but I had to call again to place the freeze. All the people working there are in India or some other place, so they are VERY hard to understand!!! (I should have just done it online myself.) The woman tried to sell me a lot of products and wasn't interested in placing my freeze. I cut her off and insisted ALL I WANTED WAS THE SECURITY FREEZE.

Equifax has become shady. They only allow you to file complaints and have credit removed if you purchase their monthly membership. You used to be able to check and fix problems through their website, but now it comes back with errors finding your accurate information. From what I've read online, you have to send everything in by mail, and hope they respond, get a lawyer to give them the paperwork and follow up or buy their monthly service and do it online. This is credit EXTORTION.

Somehow my birth date has been changed somewhere and popped up only on Equifax, (Hmm) not any of the other credit agencies. It has been 6 months of the runaround and an unwillingness to correct this mistake. I have talked to supervisors that sent me on wild goose chases only to be told that was incorrect. I am so upset, my credit is compromised, and Equifax is sharing this inaccurate information with many of my creditors. Their "fix" requires me to fax copies of my driver's license, passport, a utility bill and or current tax information. The small print says that they can share this info with whomever they feel they deem necessary! I am now, calling all of my accts to verify my birth date. So far I haven't found the culprit. A little assistance from Equifax would be nice. In the end, it had better not be owned by Equifax!!! But I'm beginning to wonder!

Equifax seems to have information that neither Experian or Transunion has in requesting report, giving me questions that do not apply to me and show on neither of my other reports and telling me I have to mail in a form and copies of documents to get my report. Why would bogus accounts show up with Equifax and not with the other 2 credit reporting agencies? There seems to be a high degree of incompetency with this company.

I filed a dispute about several items that was on all 3 reporting companies weeks ago and to date 2 of the 3 companies have seen fit that my dispute was logical and they removed those items. However, good old Equifax can't seem to get this done so easily or timely like the other 2 did! And the disputes are exactly same on all 3 companies yet Equifax continues to hold out and not resolve nor change the number on my score. It seems to me that not only are they the most stringent but they also couldn't care less about the consumer that is attempting to get ahead in this world of economic disaster! They drag their feet drastically.

I see that I am not the only one having this same issue with Equifax. I contacted all three reporting agencies and disputed some hard hits on my report. Only the ones that were NOT approved! The other two agencies investigated and removed them. Equifax sent me something back stating that they wouldn't remove and to contact the business of each hard hit! What in the world??? So we are supposed to be able to contact these agencies, who we are at the mercy of, and dispute and have it taken care of. Equifax will not lift a finger. Like everyone else on here my score FICO score with Equifax is about 30 points less than it is with Experian or Trans Union. This is not right that people work so hard to get their credit cleaned up and keep it good and this one agency can screw you over like this. Something needs to be done about them, please!

I disputed 2 hard inquiries to Equifax that I never authorized or did not know about. Eventually, I disputed several collection accounts or charge offs that I never had accounts with. Each time and months later, Equifax would send back their 'Investigation Report" as, "Our Investigations found as REPORTING CORRECTLY". Jan 2016 and months later with worse damage to my CR, Lo and Behold I am a victim of Identity Theft! I am so angry as I applied for a very small car loan and was denied. Reason? Every one of the accounts I never owned or opened! Yes the ones Equifax INSISTED WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, TransUnion and Experian had removed every one of those accounts.

I signed up for 1 year of monitoring. Equifax billed my account for $180 for an automatic renewal without asking for permission or providing any notice they intended to take money from me. When it hit my card, I called for my refund. After getting a supervisor on the phone, I was informed they don't have a "button" for refunds, only pro-rated amounts. I informed the representative that this is unacceptable - they stole money from my credit card and want to be paid for it - absolutely not. I offered to be transferred to IT or their UX designer to help correct this issue on her behalf bc I am not going to pay them a free for stealing from me. After wasting my time on the phone with Equifax for 45 minutes, I disputed charge with my credit card company.

A security freeze I never wanted was applied to my account 15 years ago. I have not used credit since then, but need access to my credit report now for a home equity line of credit. Everything is fine---EXCEPT Equifax is blocking access to my credit report. I have faxed them, TWICE, all the information needed to lift the freeze. Regarding the "Customer Service" department I have talked to many representatives, none of them able to speak clear English and think at the same time. They are blocking my access to credit, yet, are so inept there seems nothing I can do.

Recently got my three credit reports. I disputed two items to the fact I had proof of. Transunion and Equifax disputes in my favor. I contacted Equifax asking why it was taking so long on these disputes on their report and also why I had 12 hard hits on their report when only 4 on the others. I was told basically they are the deal and that is what anyone looking at my credit would look at first and the other two reporting agencies pretty much were worthless. Since dealing with them my score has dropped 40 points with no explanation. They are very shady and need to be stopped from ruining people with false information. There should be class action on them. My other two credit reporting all have a score about 30 points in lieu of this one. And I cannot argue on 12 credit hard inquiries with them as told to contact each one directly. Shame on them.

Please do not use their service. I signed up for their monitoring service because of some security concerns. After they charged my credit card, they proceeded to lock my account and would not allow me to sign in again. When I called, I got connected to a person at a call center in India who would not give me any information about why my account was locked. To unlock it, they asked me to send them a copy of my social security card by email, along with my drivers license, a copy of one of my credit card bills, and a utility bill BY EMAIL. Nothing could more irrational and insecure. How could a credit mounting service who is supposed to monitor my account to keep it secure ask me to email this information in the most insecure manner possible that could completely put my credit at risk. No thank you to Equifax and their call center in India. What a scam!!!

I contacted EQUIFAX Customer service on 866 349-5191 to dispute the duplicated Hard Inquiry in my credit report by FACTUAL DATA (repeated twice) around 10:05 AM EST 5th Jan 2016. The customer representative after verifying all my personal information (address, SSN etc) bluntly said they just get the data from somewhere and they don't have control over it. When I contacted FACTUAL DATA they say you should contact the Mortgage Lendor (DCU) why they pulled in twice and the mortgage lender (DCU) is confused and don't know what to do and is asking me to work with EQUIFAX.

I thought I had some sort of karma after wasting an hour of my life dealing with inept representatives until I read the reviews here. I'll make this short and sweet so I can get on with my life. Called to cancel a subscription and after 50 mins of being on the phone, I was livid. It literally takes three representative to cancel a subscription. Really? There! Nevermore!

Ever try to dispute something? I have found it more that frustrating. It's a system set up for failure... our failure... TU is 740 EX 751 and EQ is 679....you too?? Right... and talk to a rep on the phone, good luck - nasty and snotty. Their dispute process is useless and this company needs to be slapped good and hard by a government to stop their abuse to hard working folk who pay their bills.

Looking for a credit monitoring service? Stay far, far away from this one unless you like spending hours on hold while you wait for a customer service rep that you can barely understand. I've never dealt with such poor customer service from any company. You are to get email notifications of changes to your account, which I did not, even after contacting them and questioning this. What good is a monitoring service if you are not notified of changes? I would not recommend this to anyone.

They used information that they themselves said was not mine or was suspected to be identity theft to give me a low score. How much do they get paid for this? And for whose benefit?

I swear these people ruin other's life! For a year now, I've seen my wife struggle with working herself to the grave to pay off old debts. She also made a small loan to clear said debt. Here we are today, almost a year later and in the report it still shows as "UNPAID"! Even after she forwarded all the documents/receipts needed, she's still showing to the bureau's eyes like she never paid a cent! This is BEYOND outrageous! It's pure CYBER FRAUD imo. She's tried so hard to apply for a new car, but they keep telling her, "if only those debts would show as paid, you'd be ready to roll!"

I informed EQUIFAX 6 months ago, did not want a subscription. The super I spoke with, informed me she will refund what I paid ONLY to pay $30 to view my credit scores. Six months later, I see on my bank statement they have still been charging me $20 subscription! When I asked them after being in the phone more than an hour with rude, incompetent agents, I was told they cannot do refunds and placed blame on billing! STAY AWAY FROM EQUIFAX!!!

I attempted to get a report and used a free site linked by a .gov site. First two reports, simple. Then, site kicked me off. Attempted again just to get Equifax and again, kicked off since I supposedly answered a security question wrong -- which I know I did not. Attempted one last time, and asked to pay for a "duplicate copy" of $9 or so. After seeing other reviews, I will add mine, and move on just relying on the other credit agencies and their tracking of my credit.

Equifax's website and database have not been updated since the 1990s. How can we expect any sense of security from this incompetent management? I placed a security freeze, and the website shutdown between placing the freeze and letting me choose my pin. Your workflow should never allow a user to be in the state, especially since your site is notorious for crashing so often. This company is a complete joke. Why are they still allowed to serve the American people? They should be shutdown and fined for wasting American resources (the people's time). I would happily have the top 50 leaders jailed for life.

So I went to my bank to get a loan. I got refused and was told to call Equifax first. When I did, the agent told me there was a problem, they could not access my file. I was told I needed to send them a written request by fax and ask to update my information. They refused to tell me what was the problem. I call back a week later, I was told they received the fax but they didn't correct the problem since I had not ask them to do so clearly. So once again I asked what was the problem then I was told I had 2 files. One with my middle name and the other without. They asked me to send another request to ask them to merge the 2 file and to write "rush" on it like that it would take 3 to 5 business days. That was Friday Nov 20. So I did. I called back everyday to ask if it was done.

I recently discovered inaccurate information on my credit when applying for an auto loan. My credit score dropped about 100 points. I researched the information and determined when, where and who made the mistakes. I gathered all pertinent information, typed a detailed letter explicitly explaining why the information on my credit record is wrong, attached copies clearly showing why I did not owe the money shown as a collection, and requested that Equifax revise my score. The letter was mailed on October 31, 2015 to the address provided by my bank when they informed me of my "Credit score and the price I will pay for credit."

DO NOT SIGN UP!!!!! for the equifax monthly subscription. If you're thinking you can cancel before the next 30 days is up so there won't be another month paid GUESS AGAIN!!! When I called to cancel, they used the oldest trick in the book "I CAN'T HEAR YOU" but at the beginning of the conversation, I was heard just fine. This is my 4th time calling and have been on the phone for over 30 mins, perhaps now they recognize my phone number. Also I am never going to buy anything from a company that does not have a North American Call Centre! By the sounds of this call centre, they are from India.

I signed up for credit karma and it has 2 different scores, one from Equifax, all Equifax information on my account was invalid when I tried to put my information in it said that my information was incorrect (my SS#, address, DOB, etc.). So there was no going into the account to inform them it's incorrect, they give me a fax #. Who faxes anymore? You seriously don't have an email? Either someone is using my information and only Equifax is the only person who can see it or Equifax is full of crap.

I am a single mother and was solicited by Equifax representative while calling and inquiring about purchasing a one month view of my credit report. The sales associate asked me about purchasing the family plan option. I then informed the representative that I was only inquiring for a one month view of my credit and if there was a way that I could be able to get that one month view of my credit and get my son's credit report as well for that one month I would be possibly be interested. He then quoted me the price of a one time fee of 29.95 October 11, 2015, that I accepted.

I DID EVERYTHING I'd been told to do after a North Shore Supply Co informed me of a security breach. All kinds of things began to happen, crazy bills, etc. Fortunately quashed. The Detective in my town took my report so that I could put alerts on the 3 credit bureaus through the governments' Annual Credit reporting Co. During the verifying process they asked me questions that were so obtuse that I had to keep stopping to look them up on the internet. For example, we have a mortgage with X. The question asked if we ever had a mortgage with X, Y, Z etc. I look at one and & think it is so close to mine I ought to look up to see if it is a affiliate. Turns out it is the parent Co. However, it has never been on any correspondence with our local bank of record for this transaction.

I'm getting kind of desperate! I tried to get my free credit reports from Annual Credit Report.com and had no problem with TransUnion and Experian but I failed the verification from Equifax. (I don't know why.) Next I filled out a form to get the free report and sent it to them by mail. That was over a month ago and I received nothing, no reply or report. Tonight, I tried the automated phone order system and got as far as receiving my confirmation # but then I was told to hang on, my call was being transferred. But then the call cut off. I contacted customer service by chat and they told me that they have my "profile" but no order on file. Meanwhile my credit card has been charged $19.45. I will try to phone on Monday but... this is ridiculous. I need the report to pre-apply for a mortgage but this has me worried that it will be hard for the bank to do future credit checks.

I've learned after dealing with Equifax over the past two years to "completely ignore" their credit report. Transunion/Experian are GREAT. Equifax has a completely different business model and non-user/non-customer service friendly! I would never request a credit report or call Equifax for any reason. It's a complete waste of time and emotionally draining.

I recently tried to activate a account with Equifax for 4.95. Then I was told that I couldn't because I had a previous account that wasn't active. I spoke to a rep. and he tried to access the account over the phone and give me access. He informed me he could not finalize the account because my credit card was the problem and that I had to call my bank to find out why were they not giving me access. When I called my bank, they told me Equifax charged my card 8 times. 4 times 4.95 and 4 time 19.95 and they still didn't deliver the product. Meanwhile, they told me that my card will not be charged. So much for not being charged!

There is an account listed on my credit report that has the age as 45 years and 10 months. If that was correct I was 3 years and 6 months old when I took out the loan! I filed a dispute and after 2 weeks was told it was resolved. I attempted to login to view the outcome and, like many others, it stated I am not who I say I am. I decided to attempt to get my free report via annualcreditreport.com hoping something was on there and it denied me yet again, stating I needed to fax in various forms of identification. This false information is causing me all kinds of headaches. Now I have complaints filed with the Consumer Financial Protection Bureau and with the Fair Trade Commission. I agree with the other posted that suggested a class action suit. Their disregard for accurate reporting is costing consumers unfathomable time, employment, money and other credit opportunities.

Called to discuss a dispute, I was told in poor English that I would have to fax my social security card and bank statement for proof of who I was. Asked about scanning and email but told "No" due to strict security procedures they would only use a fax as emails can be hacked. I faxed the documents to the fax number and was told to wait 2 days before someone would update the system with proof of my ID from the fax. Called 2 days later to be told they never received my fax despite having a successful fax transmission report. Was told to send another fax and given 3 numbers. Then told to wait up to 3 days before someone would have updated the system.

THEY ARE THE WORST! Try any other one but this is one. Horrible customer service. If there was a rating from 0-5 I would pick 0 but this only allows me to at least but one star. Shut it down!

The information contained in the process of complaints are never associated with me. Yet I am not allowed to continue with my online complaints because you say the information I entered is not agreeable with what you have. You desperately need to revise your format. I have talked to several people who have the same problem and complaint as I have. I would rate this feature a zero (0) if I could.

I have been disputing inaccurate and outdated information on my Equifax credit report for years. Each time I dispute, Equifax claims to have verified the information, which I know they have not. Old credit cards account have been on my file for more than 15 years. I have sent proof that I am not responsible for those debts and that they are outdated, but each time Equifax will state that the debt has been verified and change the drop off date, making the inaccurate and outdated information retaining on my credit report even longer. Each time I dispute, they return a dispute result in less than a week, which tells me that they did not even research. I am now filing a complaint with the Consumer Financial Protection Bureau who is the agency responsible for monitoring and regulating the three credit bureaus. Their number is 1 855 411 2372. If I don't get satisfactory results, I will be contacting an attorney for the next course of action.

Equifax Complete Premier Plan - I ordered this product on 10/23/2015. It was all fine and I got everything I needed. It was a $1 for the first 7 days then I would be charged 19.95 monthly until I called to cancel. I was charged 19.95 on 10/30/2015. I called to cancel. Every time I reached a human they hung up on me. I have called 5 times. All I want to do is cancel. It is very frustrating. I am not even asking for money back. Just cancel.

I attempted to obtain my free annual credit reports from the three providers today. I logged into AnnualCreditReport.com. The first two providers, Experian and TransUnion went just fine. I had to answer some additional identity verification questions and I obtained my reports with no problem. When I got to the last one, EQUIFAX, though, I got four identity verification questions, which were way out on left field and my logical answer to all four was "None of the above," because none of them applied to me.

Customer Service is the worst ever. They can't get information right. Every time I call them they will tell me something different. I had to call them everyday for a week to verify my identity, but they just giving me excuses.

Been disputing wrong information on my credit report for over 2 years, nothing was done by Equifax. Now I applied for credit card with home depot. Got denied cause Equifax told them I have a bankruptcy. Lol. You must be kidding me MRS. EQUIFAX. After reading all complaints here... Wow, I SAY TO ALL LET'S START A CLASS ACTION LAWSUIT. Come on let's stand up for our rights. No one is doing anything about this company... yet!!

I've been trying to remove 2 accounts from my Equifax reports for the last 6 months. They have inaccurate dates and needs to be removed because it's been more than 7 years, both Transunion and Experian have removed them with no problems. I was able to get 1 of the accounts removed a week ago and now they reinserted it without even notifying me! They don't even list their customer service phone number on their website. This is the worse company I've ever had to deal with.

Equifax is the worst company to deal with. They report inaccurate information and when you dispute the claim they verified the information. The have had an old charged off account on my credit report twice. I have disputed this countless times in 5 years. I just finally got it corrected. They have an account that was paid in full 3 years ago reported as pays 60-90 days late. How can that be when the account is paid? I have several other errors and can't get them fixed. This is causing me not to be able to get a mortgage. It's disgusting that these people get away with it. No one regulates these people.

I have been disputing the same two accounts on my credit report for the past two years. My identity was stolen and a police report was filed. I have sent my police report and all required information to Equifax at least 125 times in the past two years. I even sent in my credit reports from both TransUnion and Experian showing where they found the accounts to be fraudulent and have removed them. The people that work at Equifax are very incompetent. I have excellent credit and would not ruin my credit history for $22,000.00. This craziness has been going on for too long. I have never owned an account with Dyck O'Neal or Time Warner cable. The Time Warner cable account has been removed several times then placed back on my credit report. This is so insane.

I created an account this company advertises "Get your FREE Credit Report & Score. Then only £14.95 per month to continue if you don't cancel within your 30 day free trial" and when you create an account the following is advertised, with a big red button "ORDER NOW FREE. Equifax Credit Score. Your FREE Equifax Credit Score shows you your credit score and credit report. This helps you manage your credit and shows you what aspects lenders use to make credit decisions. See our expert tips to get the credit you want. Activate your no obligation 30-day free trial. Then only £14.95 to continue per month if you don't cancel within your 30-day free trial."

Wow! I signed up for a free 7 day trial with Experian and TransUnion to compare credit monitoring services. I've found the free services don't give true credit scores so I felt I could use a good paid service. The next day I found a similar free 7-Day trial with Equifax. I compared all services. I cancelled my trial with the first two services and knew I had an extra day with Equifax since I signed up a day later. To my surprise I was charged the monthly fee after midnight. I called to have the fee reversed and they wouldn't budge. Their trial is not a true seven days. They refused to let me talk to a supervisor and was told NO ONE had any authority to correct this mistake. Funny thing, I was considering using their service but not now. They've lost a customer and the associated monetary gain. If they had reversed this charge I was going to go with their service starting at the beginning of the month. That's a minimum of $216 per year.