Equifax Reviews

I have sent police reports and proof that things on my credit report do not belong to me. Under the law if I send the legal documents and ask them to block this fraud from my file they have to. I have been calling them every day and they are rude and telling me they are not removing the fraud public records and accounts on my file, it's under investigation. On the emails Equifax sends me page 24 of 28 paragraphs 5 clearly states the law and this is right from Equifax. These laws were passed by congress.

Equifax is one of the worst companies I have had the displeasure of working with. Not only can I not access my account, I cannot lift a credit freeze via the "automated" online system and I cannot get a representative to lift the freeze. Awful, awful, awful. The words "completely inept" come to mind. How can we, in 2015 mind you, expect people to perform actions on their credit file with the USPS? Really? Not to mention that these people have access to my most sensitive information. I'm supposed to tell my creditor that I need 7-10 days to lift the freeze... right. Avoid whenever possible, unfortunately I don't think there are going to be any changes soon. "My credit" means I should have access to it when I want and I should have access to the tools available to me as a consumer. 121 reviews and all of them 1 star? What does it take??

I have recently had the "joy" of dealing with Equifax. I logged into my bank account one day and noticed a $20 charge to my account for Equifax. I had never heard of the company before. After looking them up on Google I was certain. I tried to find a contact number for their customer service and was unsuccessful. The menu said to create or log into an account to get their customer service number but provided an email. I, slightly annoyed, sent an email explaining my situation.

I ordered a credit report for my wife. Thought we would do it online and pay for it online. We pay for it and it asks us to verify our information. One question we understood, the others made absolutely no sense. We were told to call in. I called in, they asked for our credit card, I gave it to them... You should be able to trust these guys right? My card was billed 3 times. I called back, "we don't have your money. It will be returned to your account." This was on the 1st of September 2015. It is now the 5th, still no money and they are closed all weekend and the holiday. They are con artists. And when you do call in it is obvious that English is the second language and the sound system is terrible. They say it is my phone not theirs. Why are we subjected to these clowns who obviously are questionable themselves. We need this system for credit. It is absolutely deplorable.

A freeze was inadvertently placed on my husband's credit with Equifax. It has been a nightmare trying to get it lifted. There is no way to call or email this company. EVERYTHING must be done by mail. It is ridiculous in this day and age. Do NOT use this company if you have any choice, and do not ever place a freeze on your credit with Equifax if you ever want to have it lifted again.

Signed in for a new account for the amount of $4.99 monthly. Following month they deducted $19.99. Called to dispute charge and to cancel membership. They canceled my membership but they didn't refund my $19.99 or my $15 overcharged at least. Don't do Equifax. Do EXPERIAN.... much better. Equifax report is hard to understand, they don't provide details like EXPERIAN does. "Monthly fee" It's not 4.99, it's $19.99. EXPERIAN IT'S $6.99 instead. Also, Experian customer service is much easier to contact if needed. Not like 15 minutes to get a live person at the phone like Equifax. And for some reason, I have the feeling that Equifax customer service is not locate in USA (talked to 2 agents and it was a bit hard to understand) but overseas... So you know what to expect.... not a great customer service.

I was requested to obtain a credit report, so I could apply for an apartment. I was told I had to obtain it from Equifax. I went through the online request, and was faced with several questions that were inaccurate and wrong and had to click none of the above, for most of the questions. I moved forward, and was told I had to call a 1800 number and that my account was not processed. (I.E. no transaction). I called and the woman on the phone said that I did not have the correct answers that match her account, and to call back.

I put in a dispute with all 3 credit bureaus 7/10, regarding BANGOR FEDERAL CREDIT UNION for auto loan that is my husband’s and not joint. 2 have corrected their error, but now I see that Equifax hasn't corrected it and they have reported that I have a thin file or never had credit so they will NOT report a score to Credit Karma. I have called and reported this gross error on someone's part.

I spent all of this afternoon trying to reach Equinox. Their chat room is very ineffective and unhelpful and sarcastic. I have a freeze on my credit reports because I was a victim of ID theft. Now Verizon needs to verify my credit with Equifax to set up phone service in my name, and because Equifax has an old phone number on file for me, Verizon can't do what they need to and I have found no way to correct the old number online or via the chat room. Now I am on hold with Equinox to try once again. I wouldn't have thought that anyone was worse than Comcast, but I think I've found it in Equinox.

I order a free 7 day credit monitoring service and cancelled within the 7 days twice. The rep claim not to have seen my first call then refused to refund my 19.95 even though I still cancelled a second time on the 7th day. The rep or the manager had no sense of understanding for the consumer.

I want to file a complaint against Equifax because they are letting companies put things back on my credit report after they have been removed by different creditors. Also will not remove accounts that are out of date. They are violating the laws. Something needs to be done.

I opened an account with Equifax and supplied them with my cc info for monthly renewals. They ran my credit card so many times that my bank put a security hold on my account for fraudulent usage. I was also charged maximum penalty fees for these charges by my bank. I had to let my account close due to them running these charges every month. I would advise that until their practices change, do not use Equifax for crap... boycott and hopefully, they will get shut down with the help of BBC.

I am 25 years old and throughout my entire life I have had poor credit even though I have no history. I always attributed this to a lack of history as being turned down for things due to credit, and sometimes while inquiring with Equifax to apply to see my credit out, they would ask me security questions only I would know from my credit report that made no sense to me and could not of been for me (cards in my name, a mortgage, etc). I would then be denied access because I would always put as the answer none of the above. When trying to call them I could never get a person. Finally when I became serious about my credit history I spent a full day on the phone with them and paid their stupid extortion fee for my report, and it was basic and had nothing to do with the security questions that denied me entry into my account.

Just want to add my review to the many here complaining of Equifax's abysmal service. I tried to register for an account and they didn't have my 3 year old address on their system, despite having other addresses in the same building! I then had to endure a lengthy process with their separate Equifax customer 'support' (ha!) website and upload a copy of my passport and a recent bill. I will add that I don't particularly want to upload a copy of a sensitive document such as my passport to them. Now I'm told the bill is not quite within their 12 week time limit. Well, stuff them! I've had no problem registering with Experian of Noddle, and I'm fed up jumping through hoops for them, just because they can't keep their own electronic systems up to date! My address is on Royal Mail. I'm on the electoral roll at that address. Sort your ** out Equifax. You are hopeless...

I called to dispute a $0 balance on my credit report from 2010. Equifax is the only credit bureau showing this old ridiculous $0 charge. After being jerked around through their automated systems to handle my dispute, finally reached a real person. If there was even a peep in your background the automated system would completely restart whatever it was saying from the very beginning! I had to go stand in my walk in closet so the slightest noise didn't make the automated system start over.

It's quite disturbing to read how many consumers have to jump through hoops to get Equifax to respond and it seems as though they prefer to assist debt collectors in their lies instead of the consumers in the truth. I have disputed a debt since December of 2014. I myself, jumped through hoops supplying court documents, letters, descriptive details of how what's being reported is inaccurate.

First they merged me with another individual because we had a similar first name and our SSN's were one digit off. This is not enough to merge two individuals! This ruined my near perfect credit score, which they corrected after I disputed. They then mailed me an updated report. This report showed over 50 inquiries from odd places this year. When I asked what that was, I was told that it was companies that were looking at my credit score to try to sell me things. I said, 'how is this possible without my permission' and was then told I could 'opt out'. My response was that I should have been asked if I wanted to 'opt in' to begin with. This should not be legal!

Tried to get me credit report from them like you are supposed to for free and was refused for some reason. I answered all the questions right but they still said no. That I have to mail a copy of my ss card. Are they crazy, in this day in time. Check - no, you should by law get there online for free, the other two gave them to me. This credit agency should be outlawed.

I have sent several written requests for my husband with all the required documents, his signature, etc. They refuse to provide him his report and keep sending him letters saying they need the information already provided. They are refusing to adhere to the law and need to be shut down. They want people to pay them money to provide the information that they are lawfully entitled to.

The whole thing is set up not to function. Worst site ever. TransUnion done 20 minutes, Experian 30 minutes, Equifax 2 months, hundreds of hours still working on it. Grrrrrrrrrrr!

I have a judgement showing only on my credit report with Equifax. This judgment have been satisfied for a long time already. I called Equifax and was told that all I needed to do was fax the documents that show it was satisfied and within 24-48 hrs it will be updated. This has been worse nightmare with a company. I have fax this documents 3 times and until this day they keep telling me that they haven't received them. Now they asking me to fax them a 4th time. This is the worse customer service that have ever received from a company. I'm in the process of buying a house and this is stopping the entire process. They all sound like robots and continue to repeat the same exact thing. I can't believe that not even a "supervisor" could think outside the box and find another solution.

I was refused a loan and it was due to Equifax. I applied for a personal credit report and was refused. Both TransUnion and Experian complied. Equifax was given as the credit bureau for my denial, yet they only want to sell you a service rather than comply with the law and allow me to see my personal credit report.

Cancelled this report/service several times. Each time Equifax said my CC# would not be billed moving forward. I just got off the phone with my CC because Equifax billed me 4x's (4 months) after they claimed my account was not going to be billed and have caused me late charge fees and 30-day late pays on my credit score - JERKS!!! Now I have a new CC# and card being mailed to me because Equifax continues to LIE and BILL ME EVERY MONTH!!!!!!! DISHONEST AGENCY!!!!!!!

I went online to get my free credit report. I was able to get Experian & TransUnion reports, NO PROBLEM! Equifax however, they try to "verify my identity" by asking questions that have NOTHING to do with me. Asking about home loans/mortgage payments mentioned on my report (don't have ANY) or credit cards from banks I have never even heard of! I pick "none of the above" because that is the correct answer but it won't verify me. Makes me wonder what is on that report and how inaccurate it is. The only way to get my report now is by mail, sending proof of identity. Who wants to send copies of their SS card and driver's license in the mail??? Seems risky to me. Why would a legit credit reporting company make you do this in the first place? If I can get reports from the others online why can't I from Equifax? I haven't gotten my report yet but I already seriously do not trust Equifax.

I had put a freeze on my Equifax account online several months ago for security and on 7-16-15 I tried to order my credit report and score online. It asked for password and I don't remember so I clicked the link to get it emailed to me. It asked me for personal information so I entered it and clicked "send." A message popped up saying to call 1-866-640-2273 for assistance. I called and a very heavy Indian accented man answered. I was very suspicious as I know a lot of scams are based out of India. He was asking me my social security #, date of birth and address, and credit information. While he did this he stopped talking to me and he started talking another language to another person.

I paid Equifax $15.95 for my credit report and score on June 19th of 2015. It was stated I would have access to my credit file for thirty days. My credit file was open on July 15th of 2015, but my score or credit report was not updated. I had to pay another $15.95 to receive an updated credit score and report. It was the same credit score and report on June 19th. This is a rip-off. Next time I will apply for credit to get my score for free and obtain my free credit report from annual credit report. Equifax you ripped me off this time, but it won't be a next time.

I file bankruptcy in 2008. Experian and Transunion have deleted the bankruptcy off my credit report. Equifax is the only one that refuses to delete the bankruptcy. They said it will stay on my credit for 10 years. Experian and Transunion deleted it after 7 years. Equifax refuse to delete the bankruptcy. I never went through with the bankruptcy. It was dismissed immediately after I paid off everything on my credit on my own. I don't understand why Equifax is trying to ruin my credit. They seem to get pleasure from it.

I placed a freeze on my credit report and Equifax sent me a pin. During a move, I lost the pin. I have called six times, emailed eight times, and mailed them three times to try to get a replacement pin. In the mailings, I followed the request online. All I get back is a letter denying my request because "I didn't supply the right information". What info do I need? No one will tell me. I have sent them my whole personal life. Passports, birth certificates, drivers ID, etc, etc.

I received an email stating one of my Equifax.com products was about to automatically renew and the ONLY way to cancel the product was to call the Customer Service Department, 24 hours a day, 7 days a week, at 1-866-243-8181 prior to the end of the annual term to avoid being billed. This is the only way to cancel the product as they state they will not accept any other method. When I called the number I was placed on hold, listening to their recording stating "Stay on the line, someone will be with you shortly."

I called 1 800 685 1111 and listened to about 10 commercials only to find that the number had been changed to 1 800 712 6600 and listened to another five or so commercials only to find that number had been changed to 1 888 202 4025. When I was finally (after 30 minutes) connected to the wrong service rep who thankfully transferred me to the correct party who spoke really broken English and was hard to understand. I was taking credit freeze off my credit report. I really hate your current system of doing business. I am glad that I don't have to do this daily.

Attempted to get my free annual credit report on line 7/7/2015. The end result was Equifax asked all the wrong questions in the attempt to verify who I was. I was not even given an order #. When I answered "none of the above" to all questions on line they denied my report & told me to call 1-800-685-1111 which was to no avail. I then went to their website & they tried to get $19.95 a month from me for my report which I refuse to pay. I finally called 1-877-322-8228 as stated in the previous number & the report is to be mailed within 15 days. Equifax is the only one of three agencies with this kind of carry-on. Perhaps it's time for me to institute a law suit for their unjust, unfair consumer actions!!!

Hi, I am a disabled vet who got out of the marines and returned to New Jersey. Upon my return my wife and I attempted to establish ourselves and because of the insurance systems reflecting hundreds of thousands of dollars in debt to insurance companies (I worked for municipal government and had health insurance) we had to file a bankruptcy. We spent two years rebuilding our credit and brought my score to a 640 with Experian and TransUnion. However, your company Mr. Richard F Smith if you even exist, is reporting a credit card in which I am not an authorized user on and still have yet to remove a debt from the bankruptcy.

Incorrect credit history is being sent to creditors by Equifax such as delinquent credit. I have not had a delinquency on any of my accounts in the three or four years that I have been doing business with them. Also I have not had any "repossessions". At least 15 yrs I have had no "judgements" against me or "suits" as stated in my report to fidelity bank received from Equifax. I have been a victim of identity theft but I thought that was cleared up so why is Equifax sending this incorrect info to potential creditors? Where is Equifax getting this info? Do the accounts that were obtained by the identity thief that I had debated and charged off go against my credit? It shouldn't. Equifax needs to contact me to get this corrected as I have never been able to talk to anyone at this company. I am not going to stop until Equifax gets it right!!

I tried to dispute few transactions on Equifax using their online form and I had different errors each time I tried to access that page. The first 5 attempts, the page came up but when I click on the Negative Information tab, the report never comes up. In the 6th attempt, the site claimed it did not know me!! This is not the first time I had those issues with Equifax and I have a feeling that they are trying to force me to create an online account with me and pay the monthly fee to use the Dispute feature. Thanks.

Decide to enroll in the 3-credit reporting through Equifax. I called Equifax to cancel, they were adamant about keeping me as a customer and I did not succumb to their bullying tactics, they agreed to close the account. Within a week my credit score drop 80 points and Equifax cannot explain why (very suspect on the practices they use). Trying to figure out why I paid for one credit report, got charged for three. Called to let them know it was a mistake and they would reimburse me, they did not. Have disputed many closed accounts they returned back on my current credit report, they said it was an error and it will reflect on my next credit report. The closed accounts are still on my credit report. Who is the gatekeeper for Equifax? How do I file a formal complaint against Equifax?

Two years ago I filed Chapter 13 and since then I am paying every month and still for one more year the amount the judge decided. Since two years I pay great attention to everything is concerning increasing my credit score but Equifax keep reporting Collection I am not liable anymore and Credit Cards I don't have with the result that, while other Credit Bureaus have my credit close to 700, they keep decreasing my score below 550. Called several times to let them know about the error they have but is like talking to nobody. I really don't know what to do anymore.

I have no balances on my credit cards, I have credit cards for years and years. I just was told by Home Depot that according to Equifax I am a risk. How? No credit card debt, no liens, no judgments, I pay my bills on time, so how do they get to report me as a risk? I think that the credit bureaus need to be looked into by the government, I know many mistakes have been made by them. I have disputed and disputed to no avail. No answer from Equinox, no phone number to call, so now my one credit card went from $4000 credit limit to $900. Very Angry.

They sold me a product when I suffered from theft of 5k worth goods and a messed up car window, which led to ID theft, then blocked me from logging into my account to check my credit history for months, and made it impossible to cancel afterwards. I called 3 times to finally get to someone to cancel. First the woman repeatedly tried to sell me more products, then hung up when I told her wanted to cancel. Second time put me on hold forever. She sent me links to reset password still couldn't log on. I paid for this every month. It's fraud in my book.

In the past I was a victim of credit fraud. I had an alert put on my credit report. I had moved and the alert was no longer up to date. The phone number I had placed on the account for a contact was old and required updating. In order to update this number, I had to call 7 times and fax 5 times specific information. Each time I faxed the information I was told by the employee, there was some reason why the information I sent in was wrong. After 2 weeks and a number of headaches and useless conversations, it still has not been updated correctly. Not to mention this whole crap shoot is holding up a auto loan application. I think the system they use needs to be seriously restructured. My address was also changed to a wrong address that I have never lived at and I'm unclear as to where that information was acquired. I am very disappointed in their information updating system.

For weeks the browsers declares the site insecure. The agents claimed that there are no problems. When I asked for tech, the agent said there are no techs. Equifax has no ITs! I took it as arrogant talk down. I'm IT tech and I canceled the account.

I have been working on my credit file and credit score ever since the economic downturn of 09 that almost had me filing for bankruptcy. Now that I have turned my financial situation around and have worked so hard to correct all of Equifax' inconsistencies, I decide that my credit score was high enough that I can now buy a house. So while I'm sitting in my bank, the mortgage guy pulls my credit score and to my horror, my score Equifax tells the bank is 49 points lower than the score Equifax is telling me. Of course the bank double-checks with Equifax and confirms the low score.

I'm a victim of Identify Theft and looking over my credit report I have over 4 hard inquiries that I didn't authorize. I call Equifax today and the rep told me there's nothing I can do about it. That I need to contact the creditor and have them to remove it. We both know that if my info has been stolen and I have a fraud alert on all 3 credit files, its Equifax's job to remove these items. After reading all bad reviews and unsatisfied customers there should be something we can do if we all pull together. Equifax is playing a lot of people lives. Angry.

I created an online security freeze and after completion - and after Equifax took their fee - they gave me a confirmation page which they asked me to print because it had information needed if I wanted to later lift the freeze. There was nothing on the confirmation page following this. It was totally blank. It is impossible to call or contact anyone about this. What an awful experience. How do I confirm the freeze has been placed and how do I get a PIN? There is absolutely nothing on the website that allows this to be done, and there is no option in their so called 'customer service' call line to find this.

Equifax engages in fraudulent business practices including the use of bait and switches. Further, other consumers who may use Equifax services should be warned that the company will make any attempt to cancel services very difficult. I had to call and wait for about 45 minutes to cancel service with an apparently overseas call center operator.

In Dec 2014 I purchased a Equifax credit score and report. I scored 381 - FAIR. The report pointed to three areas which needed improvements - electoral role (VERY POOR), current address (POOR) and credit usage (80%). I rectified all three moving them to electoral role (FAIR), current address (GOOD) and credit usage (56%). Other than that there have been no more changes, so all other categories I scored and still score EXCELLENT and GOOD.

They make it difficult for you to file a dispute. After answering the questions, they say your information is inaccurate. I called but could not understand the customer service rep. Their score is so far from the other two reporting agencies that it is ridiculous. Awful company.

Equifax Complete Premier Plan is a scam. They offer a month for free, but when you call to cancel, they claim their software is "down" and they can't process of cancel your request. Then the next time you call they will claim you were charged for two months because you didn't call in time. DO NOT enroll in the Equifax Complete Premier Plan. They will treat you like a cash machine, not a customer. Disappointed client.

I went online and found that an account was still listed as open and in fact it was dismissed by bankruptcy. It says you can dispute the error and sends you to a dispute page where you can go to (collections) and it showed none on there. Yet when I go to my report it is there. So I can't access the account to dispute because there is no place to add your own statement of concern. Would love to join a class action suit.

Several major companies like Comcast and the US Post Office are now using Equifax to verify your ID. They ask you the same questions Equifax asks for verification. All the verification questions I answered correctly, they claimed we're wrong. And they ask "what past phone numbers you've had?" I've had the same number for more than ten years. I cannot remember old numbers from twenty years ago. And I haven't had a mortgage or car loan in about that long, too. Well, Equifax says I'm wrong. So they won't let me see my report unless I do the whole snail mail ID thing. And because of them, the post office won't let me verify my account, claiming my ID couldn't be verified.

I tried to get a credit freeze and both times it said something was wrong with their system after going through the long process of giving them all my information. I then had to try a 3rd time and it said my account was frozen which is what I wanted anyway, but I never go received the letter with my password from them that I will need to lift my freeze if I need to. There is no one to talk to, to let them know I never got their letter if they did send it out. It has been one of the most frustrating things I have ever done.

Recently I had spoken to them and even though what I found was a duplicate, they won't take it off without an investigation. Also, they do not make creditors prove the negative item on your file. I have disputed both, takes too long to correct.

I have been dealing with Equifax for the past two months to delete something from my account that I don't think is correct. Every time I speak with someone they give me different answer. They don't speak English properly. It is very hard to fix your credit when the people on the other side of the phone, don't understand you and you can't understand them. Hopefully I will get my issue resolved like I did with Experian and Transunion, because at this point I don't know what to do? I have suffered enough with my credit after my cancer and I think I deserve a chance to rebuild it again. All they are concern is for me to buy their credit report, not help me.

I have been paying Equifax for 2 years or more. Last month a settled debt that was 6 years old should have dropped off my credit file. I reported this 4 times. No response. 4 calls later they manually took it off. And guess what. My credit score of 389 dropped to 325 poor. So I said "what's going on here? I have cleared all my debts and over 6 years old and should have gone to over 400. Good." "No it's how our system works" they replied. "But how on earth can I be building up the score for it you drop so much for clearing debt? The whole thing is a con in my view." Their reply. "Well the score doesn't really mean anything.." I said "then why sell it on building the credit score? Isn't that mis-selling a product if it doesn't really mean anything?" Fuming. Terrible. With all the same info as their credit agencies they are the only ones to drop my score while others gain. How do they get away with this?

It appears that the verification asks you irrelevant information (some leading you to believe that you may have theft) however judging by other reviews in comparison to my own, it seems like Equifax may actually be attempting to avoid allowing people to dispute online. The fax number they give to you is not a working number. I just wanted to enter some disputes for bills that were paid but listed on other reports as unpaid (medical from a car accident. Thankfully I always ask for itemized bills and receipts). But after verifying me, Equifax flashed me back to the login. If there is a lawsuit, I will gladly participate.

I was unable to understand the person who was "helping" me. He kept on going about trying to keep me as an Equifax customer. I just wanted to cancel and get off of the phone. If I would have asked for someone who spoke English clearly, they would have connected me to someone who had worse English skills. I wish they would just give the jobs to people in this country that speak the language so people would not have to get frustrated and say mean things.

In November 20, 2014, I printed a copy of my credit report from Equifax after the US Postal Services' system was breached and I was given 1 year of free Equifax monitoring. On reviewing the report I found that what appeared to be another person's entire credit history was listed on my report, social security number, addresses, DOB and all. It listed the other person as 'formerly known as' like I had changed my name and social number. The other credit agencies did not have this information listed.

This company is a scam. They won't let you cancelled the service and keep charging you. Do not be a victim like me.

There is no way to speak with a real live person at this company unless you purchase one of their products and then create an account, then you will receive access to the phone number of a live person!! I'm trying to put a freeze on my 3 minors' accounts after receiving a notice from Blue Cross that we need to notify the credit agencies of their security breach. Automated machines will not recognize their social security numbers in order to automate the freeze. I refuse to PURCHASE any of the products. It should be my right to protect myself and my family!! This is complete BS! The only order # I can give is the one for my own SS# which I was, by the way, able to freeze just fine. It's my children I'd like to protect!

I have lived at my current address for over 18 years, I have only purchased one thing on credit in that time my score was 780 when I co-signed for a 2001 windstar van which was paid off early and my credit score went down and stayed down. I have to prove who I am each time I ask for a report and I have things on my report that I know are not mine. My credit should change if I buy things and not pay on time or not pay at all but my score changed to 580 when I paid on time. What is this and why are they allowed to get away with this?

About a year ago I hired Lexington Law Firm to help straighten out my credit reports. It seems Equifax and one other bureau have a very big problem working with them. My credit score, because they will not remove very old negative accounts, is still too low for any type of loan.

I applied to get a credit report and automatically was charged the 23.95 instead of getting the first free credit check. Called for a refund and was completely denied. Read the fine print on everything you do - they are extremely sneaky and it seems they are more out for themselves than out to help you. Consider another company before going with them!

There is not a phone number for me to be able to explain my problem regarding my credit report. I feel that is not right considering one's credit report is so valuable in being able to purchase cars, etc.

I am in the process of buying a house and I have not been able to monitor my Equifax credit report since the 11th of March. I then called, for a ticket open and escalated and as of this morning I can't pull the report. Every time I call I get someone who does not understand me and who I don't understand. If there is a class action lawsuit in the works that someone knows about let me know.

Entering a dispute with Equifax online, they ask you questions that either pertain to your account, which you give the information (car loan 2014 and amount). They also ask questions that are not relevant to your credit (mortgage 2012 and amount). The questions I was to answer were not relevant to my credit. I answered them none of the above. Equifax states that the information I gave is not correct. I have tried to call with no avail. They want you to fax information. I do not feel comfortable doing that.

I am prostituted around the world to a variety of ID thieves. Equifax, Trans Union, Experian, the Clue Report, LexisNexis Report profit and benefit by selling my personal information to Farmers Insurance Company and their customers that use my name and identity fraudulently for years. Since 1998 to be adversely and negatively affected by three others occurrences marring my credit, causing me higher credit and insurance rates.

I purchased my credit score for $7.95 through Equifax's telephone service. After charging my bank card, the automated service stated I would be given my credit score, and to stay on the line. I was then immediately disconnected. I spent half an hour trying to resolve this over the phone, and was told there was no solution. My bank acct. shows the amount was charged, but I never received the product.

According to a letter we just got from Cabela's/World's Foremost Bank, my husband's credit rating was just dropped according to a report by Equifax that claims:

The ratings used are not subjective and they do not provide an easy to use system to monitor credit because they are not providing accurate scores with the family plan. Secondly I had incorrect information on my credit report and they verified it without using more than 3 metrics. The original creditor shows it as paid and Equifax verified it without ever contacting them. I'm now meeting with a FCRA lawyer and filing a complaint with the CPB. It's going to be free money for me but it's such a hassle to keep a company honest.

Equifax is a joke, they do not follow the laws of the FCRA, they make their own. I am a victim of identity theft and gave them all information and a POLICE REPORT SHOWING IDENTITY THEFT, AND THEY STILL DON'T REMOVE MY FRAUDULENT ITEMS. What can a person do when they choose to not follow the law.

For the past few months I have been trying to correct an error on my report. I thought it would be a simple process as it is a straightforward issue but I have had nothing but problems dealing with Equifax.

I recently tried ordering a copy of my credit report and score online. They were unable to pull up my file online and requested me to call so I did. So I was then put through to one of their barely English speaking operators whom yelled at me when I was not able to understand her correctly. This was March 8th 8:45 pm. She went through a process of questions including: my full name, birth date, sin#, address, how long I lived there, phone number, email address, and probably 4-5 more question which I answer all correctly.

I called December 5, 2014 and asked to cancel the service. The rep was bullying me and harassing me trying to force me to keep the service. They said they were giving me one month free service and if I wanted to renew my credit card with them to call. I told them I would not be calling. Now 3 months later they have started charging me again, so I called them and they are refusing to refund the money saying I was to call if I did not want the service when they had actually said to call IF I wanted it again. What a bunch of scam artists!! Now I am getting the run around and they will not do anything about it.

Okay, the first year, Equifax refused to give me my report online. It might have been an error. I did refuse paid Equifax service which may have upset them. Now, it looks like every year I will be refused an online report. Instead, I am directed to mail my request. Use a #10 envelope! Provide identity and address information which must be a limited number "Proper" forms! A lot of people just won't have the "Proper forms" including me! Can everyone come up with their original social security card? Also, if the type on your documentation proof is too small, the documentation should be magnified!

My credit report is wrong and even though I faxed them the info, there is no phone number to contact them. I am being denied credit.

Equifax has the WORSE customer service ever!! It has been weeks now that I am trying to have them correct errors on my file!! Nobody seems to care, they just want to sell you another product!!! They should be the one paying for screwing up our credits! I am very frustrated.

I am a victim of identity fraud. There are 15 hard inquiries on my report that are on there by fraud and or not my authorization. I contacted Equifax and they explained to me that I need to write these companies to place them on their a letter to have them removed. Well I have done that and the ones that place them on my report are telling me "no Equifax is the one that supposed to remove them." They have nothing to do with calling them and telling them to remove them from my credit report.

I have tried to get my free credit report. However when they ask questions to verify your identity, I answer all the questions and they tell me that they are incorrect. I know where I have lived and that I have not had a mortgage in 15 years, let alone 6 months ago. BEWARE!!!

Complaint: Almost all the call handlers have a limited command of English and even less of a grasp on how the company works; My address was (slightly) incorrect on the electoral roll, so I rectified that with the council (one word change). Because of the change I informed Equifax and faxed the official council letter to them showing the correction. They changed my credit rating down to 22! Yes you read it right, 22. A loss of 300 plus gone. Every time I ring (the hard to understand call handlers) or Emailed a question, they have said it's my fault for changing the address! So leaving your information incorrect gives you a better credit rating hey Equifax? What a company!

My husband and I filed for chapter 13 bankruptcy 7 years ago. We have been correcting our credit reports to improve our scores. My husband's score was close to 700 after we started using Equifax complete family plan. We went to our credit union for a loan and of course they pulled his credit showing an EQUIFAX SCORE OF 633, eventually costing much more in interest.

Nothing changed on my credit report, nothing! And yet, my score dropped 80 points. When I called them, they said they would not discuss over the phone. I must write a letter and they'll respond in 30-90 days. So, I guess UNTIL THEN, TAKE IT AND LIKE IT. Did I mention, nothing on my report had changed?! And if you can't discuss via phone, then why did you answer the phone?

Out of the blue, Equifax started reporting someone else's credit history on my file. Have no idea why or how, it just is. Only found it out after my mortgage lender pulled my credit prior to closing on my new home. Erroneous information wasn't there when we applied for the loan and was approved. Have been working for weeks to get the morons at Equifax to get it fixed. I've had no success. You get the run around and no answers. I can't even get a supervisor on the phone. They said I need to fax my identification (ssn card & DL) and I did that several times, but nothing's changed or updated.

Equifax Service quality very poor - don't reflect reality. For example during whole year 2014 Feb to 2015 Feb, unless paying all debts in time and right amount my Credit Score stays unchange during whole year 552. At My believe they providing not objective - misleading information about credibility of consumers.

Trying to set up a security freeze. System can't find me and says unavailable for past 48 hours. Experian/TansUnion SIGNIFICANTLY more reliable without all of the garbage multiple paths to get to where you need to go without NON=STOP marketing. This and other reasons are why I cancelled family plan!!! This has been the case for years with Equifax... extremely poor website, incredible bad customer service and responsiveness.

Equifax is by far the worst company there is with incompetent employees. My credit history got blown away and the creditors are unable to pull my credit history due to this issue. I have talked to equifax for the past 4 days straight at 5hrs/ day and constantly being transferred back and forth between 2 depts (problem resolution and dispute center). The supervisors are just as bad. Out of all the folks I have spoken to at the company, only 3 seemed to be helpful and remedy the situation. The supervisors don't remain on the phone with the other dept and relay your information when transferring the call. They have no cust service skills at all. I have cancelled my product and don't plan to ever buy any product from them ever again. I don't know why creditors continue to pull credit reports from Equifax instead of the other two reporting bureaus. This company needs to go out of business.

Recently, I applied for credit for a purchase by Best Buy. I was turned down based. I received a letter of which I followed up on immediately to find out that Equifax reporting has tagged my account with several erroneous accounts. I had issues in the past with a person a very similar social security number. I checked my scores with Experian and Trans-Union and neither of these credit reporting agencies had this information. My credit score is 797. Because of this wrong information, I was unable to take advantage of the purchase discount. Of course, I used another credit card and no issue.

If you try and call them to talk about your account you can't speak to anyone unless you pay a lot of money and get a code you have to type in the phone. If you don't have that code and you can't type it in the phone call will end cause they hang up on you. The only line you can reach is the sales department and they just try and get you to buy their package, but when you ask them about your account they don't know and if they transfer you, you go right back in the queue and they hang up on you all over again. They do a horrible job keeping track of credit. They have my name spelled wrong and won't fix it. I have lots of things I need to dispute that's not on my other two credit companies but I don't want to pay them to take it off for their own mistakes. Why doesn't the government listen to the people and regulate this company. I have Equifax more than any other company.

I have had two repetitive difficulties with Equifax, the first being the most disturbing. I receive CONSTANT alerts from an Equifax email (could be a bogus email) stating my credit may have suspicious activity and asking me for details I am NOT foolish enough to provide. When I try to download an Equifax report (despite all my identity details being correct in the request) I ALWAYS go through the entire process only to be told I can only receive my report by mail and to provide a number of further private details (again, not FOOLISH enough to do this). I do NOT EVER have this problem with Transunion or Experian, but like many, I try to check my report every 4 months. Please PLEASE investigate this problem as I have read a NUMBER of complaints by other consumers with the same issue with Equifax. They are a waste of time, and appear to be a bait and switch at least and at worst a personal identity security risk!

I filed a dispute about the amount owed on a debt that was written off and purchased by company 3rd party collection agency after the collection agency added additional fees which hurt my score. Equifax closed the dispute and dropped my credit score 50 points on December 21, 2014. I called Equifax to ask why they lowered my score when the debt has been on my report for over 6 years and 5 months, and is due to drop off my credit report in 7 months this August of 2015. Equifax told me that the collection agency increased the amount owed and Equifax electronically lowered my score as a result.

Terrible customer service - do not allow me to cancel. Every time I call to cancel. They hang up on me when I don't agree to stay on as a customer. Is this their idea of customer retention?

I contacted Equifax to close my monitoring account. Spoke to someone outside of the United States. Provided them with SSN to access the account, and was told they need further documentation. They requested I EMAIL a copy of my Drivers License and Social Security Card. Emailing these types of documents are a BREACH OF SECURITY PROTOCOL! Email is not secure, no matter the level of encryption. I would suggest anyone using Equifax for monitoring. Do not email your documentation. Find an alternative method. I emailed customer service without these documents and the account was closed, that simple!

I tried looking on the website and could not find a way to cancel. I ended up calling the 866# listed. Both me and my wife called at the same time on 2 different cell phones and were on hold for 45 mins. I hung up and instead of pressing 1 to cancel, I pressed 2 for all other and they answered immediately...lol. WOW! I canceled and told her to hang up and just passed her the phone to cancel with the same operator. Job done. :-) So not so bad after all. We were able to get info off our credit reports and come up with a plan of action to pay off debt. So we are satisfied.

I was trying to link two accounts after a mistake in the names. My bank faxed the information required. 2nd, 8th, 17th and 21st Jan. Firstly the copies were ok but they needed something with my address on, then they couldn't read my passport. Then on the 21st they needed everything all over again. I asked to speak to a supervisor, they were busy but promised to call me back that day. The next day I called, the supervisor was busy, promised to call me back in 2 hrs. Surprise surprise. Nothing. This Monday is ultimatum day for the bank, either sort it or I will change.

I made an account with Equifax to view my $1 credit report and was planning to cancel within 7 days. I called the 7th day and they refused to take back the $21 charge on my credit card because I had to call a day ahead... on Sunday, when their customer service was closed. They kept trying to sell me to their monthly service, even offering it at 50% off yet they refused to issue a refund. They also had charged me two times for the $1 report. $2 is not a lot of money but after experiencing their horrendous customer service, I was outraged.

For 3 or more years I have tried to obtain an online annual free report or dispute an item. Their verification method is fraudulent. It asks me about mortgages I never had then denies my access. Every question it asks does not involve my truthful credit history. I answer truthfully and accurately still it never gives me access. I believe they purposely set this up to not allow people to access their account easily or they have incompetent workers who chose the wrong questions and answers.

I get a debt collection on my credit report so I paid, I call equifax after 2 months to let them know that I already paid the account. Late on two week later, I fax them the debt collector letter, my bank statement and all you can imagine, again I send them a certified mail letter with all my id's and collector letter, and until now the account still as a collection. What the ....nobody care about that? Where is consumer affairs? EQUIFAX, MY MIDDLE FINGER SAID HI TO YOU..

I've had a paid account with Equifax since 2010, they work for the creditor, not the consumer. I've had AT&T and Sprint reporting against me for 3 years. I called them over and over, at least they were honest and flat told me they couldn't do anything for me. They control the credit reports/history of millions of Americans, but can't correct a simple mistake, in which I still held the paperwork on the transaction, proving my statements from the past 2 years were true.

This company is the real rubbish. As member since 2010 with each time I call them regard my credit report and score they try to waste your time, and asking silly question to make your phone bill higher and that's how they get paid. Their system is out of date.

I list my credit report from Equifax. I sent them two certified letters asking them for my credit report because I had identity theft. It took them nine weeks to answer me and say I needed to pay to get a copy of my report to me. It should not take that long for them to answer me. My credit is ruined because of them. I called them and said I did not know these medical bill. I feel the system is wrong. I got an attorney to fix it.

I checked my credit report on the 22nd of December and gave my credit card info to get the 7-day "free trial". The "free trial" was due to expire yesterday so I called. I was on hold for about an hour and I had to hang up. I tried looking on their site where to cancel this "free trial" and it's not possible. So I was charged $17.95 for the month. I'm on the phone with them right now and have been on hold for 40 minutes now. The voice that comes on and gives you a smidgen of hope that an operator is about to take your call is very annoying. Don't ever in your life sign up for a free trial on Equifax. Never!

I am a victim of identity theft. Experian and Transunion deleted the fraudulent info and Equifax is refusing to delete info. They did not even know they had my police report in their system because the representative that received it did not properly code the dispute and they will not even consider they did not properly investigate the items. I will be filing a lawsuit. If this has happened to you and they are still reporting incorrect info, email me **.

When I disputed the report again with Equifax they lowered my credit score. ALL above is true.

Very difficult to work with. I have had some frustrations with their accessibility issues.

1 year ago we attempted to clear inaccurate items on my husband's credit report from Equifax with no results. Then hired a company to assist us, spent $400 to try to correct them, had proof letters, etc. The 2 other bureaus deleted the items but not Equifax instead they dropped his score 60 points and when questioned they could not give a valid reason instead we received a threatening letter to stop disputing. And since then the score keeps dropping because the inaccurate information has run amuck. Please won't some government agency step up to the plate and stop these monsters!!! They are just plain wrong in how they do business. I call for a class action suit against their horrific illegal practices. Just awful!!!

Accurately, I have called, spent too much time on the automated system, gave my credit card information and now cannot login to see what this 16.95/mo product gives me. I want out of this charge and now have to deal with their foreign accented operators. I'm just trying to do the right thing and have fallen into a trap. I thought the public trusted this bureau. My credit union does. This is all because my husband's SSN was stolen and I thought I should at least protect mine too. He hasn't been able to do anything with his stolen number because they say his number is invalid. Invalid??? Wow! They want us to send in our life documentation to God knows where to God knows who?? This is ridiculous! Now what?

On Oct 22, I had ran my credit report and was enrolled into their Equifax Advantage. I thought I had called that evening to cancel and wound up getting a recording. I left a message that I did not want the service so when I noticed we were billed around the 3rd of Nov, I called to cancel the account. I spoke to a gentleman who stated that I must have dialed the wrong number because they do not close and that he would cancel my account out for future charges. I asked that he refund my money back and he stated that he couldn't and I told him I would talk to my bank. Of course the bank stated that since it was an authorized charge there was nothing that could be done so I chucked it up to a learning lesson, believing my account was canceled.

Equifax gets away with submissions by companies saying amounts are owing by the companies customers, even though this may be entirely fiction. It is up to the person presumably owing to prove they do not owe part or any of the amount. They will post no explanation of why the customer thinks they do not owe the money and the fault posted against the credit rating will remain even though it may not be valid. Example would be work not done or not done right. Over billing, amount paid and lost, etc. Equifax gets away with this and I cannot even find a ruling body that allows this invasion of privacy and fraudulent claims.

I was given the opportunity to have a 7-day free trial (credit score required to apply for loan). I have never used equifax but know the name and felt safe. After submitting my payment method assuring that my trial was free for 7 days, I continued to personal data. The completion did not go through stating my identity could not be authenticated... Oh well. After the suggested 2-day period before canceling, I attempt to log in to my account to cancel and was denied access as if no account was available. I search for the number of customer service and was told they could cancel because the account was denied due to not being able to authenticate my identity. Well guess what? On the 8th day my account was hit for $17.95 for my product.

Equifax is a large company with plenty of resources to make available agents and/or customer service representatives available for consumers. It is highly unacceptable to engage in a practice of making it very difficult to even find a phone number; then to create unreasonably long phone trees that fail to provide the option of speaking to a representative -- and when you finally find a number to speak with an agent, you are put on hold for 30 minutes or more until you finally hang up. The system is obviously designed to wear the consumer down so Equifax doesn't have to actually deal with the consumers. This should not be tolerated by consumers or our regulatory/government entities.

Equifax shows one of my former addresses at an address I never lived at and I have tried to get it removed several times. They made the mistake and I have to prove to them they are wrong. They want copies of my Dr. license, S.S. card and a utility bill! What a bunch of crap for their error. I have chosen to leave it on there since it's not affecting anything in my file but they should have to prove the info is correct instead of me showing they are wrong. It's sad that they are considered the credit gods and can do whatever they want with our files. Pay your bills and hope for the best is all I can say.

We have been trying to order for our customers their Equifax credit file. They have been turned down for credit and should not have to use their free annual in order to get one. If you have been denied credit you should be able to call 1-800-685-1111 and order a free file by law under the (FCRA) Fair Credit Reporting Act. Equifax said their system is down and mail your info in. A consumer should not have to mail for that report.

I received a letter from a credit card I use very often ($4,000 limit). The letter stated that my credit score dropped by 300+ points (in 30 days, WTF!) and that they could no longer grant me the limit and must decrease my limit to $700. This was a HUGE red flag, as I have never missed a payment on any outstanding debt (mortgage, credit card, NOTHING). When the company said they received the score from Equifax and I should check with them if there is an discrepancy, I did just that. I logged in for my annual free report with no surprises, all looked OK! There were zero negative accounts, collections or public records. So when I called their customer hotline to ask why they would give such a low score based on my current stands, I was directed to voice automated systems that ended with "information not available investigation in process." What? I just saw my report, no issues why can't you give me my score?

I have sent in the same police report and the federal trade report before and the errors and inquiries was removed. Now the same report is not good enough. They wont investigate. I sent in the letter from the police station saying they wont call the police station or investigate. Since it was two papers. This was from Equifax and Experian. What should I do. Have spoken to the supervisor. They won't call the police station at all. They say it is not their job. I have to contact the creditors to remove them. I have 26 inquiries and every time that I have an inquiry I have to send in the same report. Why. Once should be sufficient. Then I have been calling Equifax cause I have unlimited credit reports and I have had a problem since June. Unable to get my unlimited credit report. Saying they are going escalate the ticket to the trouble team but has not done it. Sent letters to the better business bureau and no response. Was told this week by a supervisor to cancel my service. No one cares.

I recently received a letter from a collection agency stating that I owe about $80 for medical services. I sent a dispute letter to the agency because I never received a bill prior to placement. Plus, the BBB gave the collection agency an F rating and is suggesting that customers ask for detailed bills before paying this agency any money. Moreover, because they are a 3rd party collector, and they most likely report to credit agencies, I thought I would be safe and dispute the charge with all three credit bureaus: Equifax, Transunion, and Experian.

I don't owe Sam's Club. I paid it off in 2011. My son died & had to use it. Now my sister passed & they think I'm Power of Attorney only. When she was alive, Gillman can, would not give me copy of credit score but showed me. How do I fix this? I always pay my bill.

I recently applied for a loan to purchase a new truck. I was approved, but the interest rate was very high and the company that approved me is one that dealers subscribe to in order to get business. I contacted another dealer to see if they would accept the loan offer I had and they declined, saying that they used to use them, but could 90 percent of the time get a better rate. Here is what happened next. They were able to obtain credit reports from two agencies, but Equifax. I do not have a score at all. I called and have yet to get a response. Equifax is deceptive in the way it reports. if you dispute items it fails to remove them, in my case it removed my score completely. I cannot apply for anything. This is disgusting!!!

I needed to obtain my credit score yesterday and was redirected by my credit card that to Equifax. Equifax deceptively advertises that each individual could get a free report once a year. But when you start the application process online, they do not tell you that you would not get your score, which is what everyone really needs. So, I went through all of their steps just to be told that I need to pay $7.95 to get my score. This is deceptive advertising, I thought, but anyway I needed the score so I decided I will pay. I put my debit card details twice but was told in a website message that the card could not get through. So, I tried a different card.

I tried their free trial. When I started my credit score was in the 600's. After starting to pay for their protection it started dropping. When I inquired why, I was given a reason followed their advise and doubled checked with my bank which was the problem the first time and of course they said what Equifax said wasn't true. After the dispute came back my score dropped again then it was because of the inquiries I had on there this time and I asked how since they were there before and my score is going up with the other two and dropping with you. I disputed them like they said with them. Guess what, my score went down only with them again and I never got any responses to my disputes for the inquiries I did.

I recently attempted to obtain my free annual credit report and Equifax stated "for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet". Then they went on to state how to obtain the free credit report and noted I send my personal information by mail with my SS card, pay stub showing my SS#, and a W2 form along with a copy of my drivers license, rental/lease or house deed, pay stub with address and a utility bill. The problem is obvious to anyone with 3 brain cells. Why would I send all that information through the mail? It seems much safer that when you get directed to the Equifax website, they have the means in place to protect your security. It is also funny that if you want to PAY for a credit report on the Equifax website, all of the sudden, their system is total secure and can be obtained online. I don't feel that the intent of the law was for this type of practice and the consumer should have the choice of obtaining their free annual credit report online or by mail.

I can't even get past the first page! So they have all my information wrong (name, address) I was able to get into Experian and Transunion with no problems and dispute the one issue on my report. I called Equifax and still couldn't get any answers. I don't feel safe sending ALL my personal information by mail (for anyone to steal). So I figured I tried everything I could so this morning I filed a complaint with CFPB! If you are having problems and have had enough go to consumerfinance.gov and file a complaint and let them deal with Equifax! Maybe if we continue to file complaint after complaint against this stupid company someone will open their eyes to how they run this company and shut it down!!! So go file your complaint now.

Equifax continues to engage in false and misleading advertising by offering a "Free" report. But then when you get down to the nitty gritty...you are asked for credit card info to purchase a full 12 months subscription...with the first month as free. Why don't they tell us that upfront before we go to all the trouble of registration...only to find it is not free.

Where are the attorneys?! There needs to be a class action suit against Equifax. I won't go into my story here; suffice to say, I have been denied loans, lower interest rates, and much more as a result of Equifax's refusal to correct mistakes on my report. Equifax's scores is at least FIFTY points lower than the other two bureaus! There are too many mistakes to list here. Two years ago, when I requested my report, they sent me someone else's entire credit report!! An identity thief's dream come true! Lucky for this person I am honest. Contact me if you are seriously (and I mean you are serious) interested in getting a class action suit against Equifax. Come on people! Stop complaining and do something!

After 10 attempts via phone, and about 10 times online to acquire a credit report, that should be no fee for, I have yet to get through. The online system tells me I have to order it or send personal info via mail to get it. On the phone, wow! It asks for letters for the postal code. I keep entering one number at a time, only, after some it asks to push 1, 2, or 3, for A, B, or C???? What is that? Then, asks for the 6th digit, when the main zip is only 5 numbers! I tried 9 or the first of the last 4, the - (dash) ****. It will not accept this. I just cannot get it to go. If you try to say the 5 digit code, it never gets it correct. Comes back with T, Q, Z, etc. Crazy!

If you have tried to order your annual credit report and unable to get your Equifax report I encourage you to file a complaint with CFPB at Consumerfinance.gov. I attempted to order my free credit report 2 times and they asked me 4 different security questions that were not even about me. I reviewed my TransUnion and Experian report that I received off of Annualcreditreport.com and those 4 different questions that Equifax was asking were not reflecting on my credit report. I selected none of the above as none of those accounts were mines. The Equifax said I needed to send in my personal information to verify it's me. I'm going send in my information because I think this company thinks consumers won't send in their information. So they get out on sending these reports out. File your complaint. Don't let this company continue to treat consumers like this.

It started when I had two judgments on my credit report. After successfully getting the judgments vacated in court, I wrote to the 3 agencies. Experian and Trans Union deleted them. However, Equifax refused to delete them, they only updated them to indicate that they were dismissed/vacated or satisfied. After several letters to contest and a letter indicating I would sue them, they finally removed them from my credit report.

Equifax just wants your money. AnnualCreditReport doesn't care. Equifax is doing everything it can to not help you unless you pay them. AnnualCreditReport needs to pay attention and start being honest with us about Equifax.

Equifax will not let me in to look at my annual free C.R. They ask: mail this very sensitive info of yourself.. crazy! Copies of your SSN card, driver license, W2, bills w/ address, etc... Question: does anyone know where we can complain to a government agency that will do something about them? Like close them down.

I pay $300 per year to monitor my Equifax file. They do not update properly, they do not report timely and my score drops major points for no reason or changes. Why is this not being investigated!!!! I am sick of fighting with this company everyday to report properly. I asked them to check with their IT Specialists to make sure the systems has no flaws. I ask why overnight my score would drop 13 points when everything has been paid on time for the last year, they can't answer my question. People's lives that are being affected. I have been working my butt off for the last year to better my score and now it's dropping for no reason... What the Hell is going on... Oh I am so mad!!! Do something about this!!!!!

Equifax is reporting a collection account on my credit which is wrong! I went to annualreports.com and got the other two reports no problem. Equifax would let me login but not show my reports. Called them told me I had to get it by mail. Customer service rep obviously from India and rude when asked for supervisor. Horrible Company!

I am homeless. I have been homeless for three years. I have always checked all three credit reports online. I have never had a problem checking my Experian and Transunion report online. Two years ago Equifax for some reason blocked my online access. I called Equifax and was told to submit my ID, my social security number and proof of my address through a utility bill or voters registration. I sent Equifax a copy of my state id and social security card and explained that I was homeless. Equifax didn't care. I was told that I would only get a copy of my report 'by mail' after I had sent them 'proof' of my address which I did not have.

On 7/23/14 I purchased the Equifax Complete Advantage plan which was offered at $17.95 a month. A week later, I received an alert via email that there was a change on my report. When I clicked the link the three bureaus appears showing two alerts under collections. I click the link and up comes the collection alert not from Equifax but Experian. Basically, I was tricked into using a completely different product (3 bureau credit scores and reports) which I was charged an additional $29.95. I called the customer consumer center, explained what had happened and asked if they could do a refund or even charge me for the latter product but was turned down even after going to their upper management. This company is interested in one thing only, taking your money. I suggest any users of the bureau to pay very very very close attention to what buttons you select or you'll be spending your last dollar on some words on a webpage you can only see once a year.

Equifax is the worst credit agency we have... They lie, lie, and lie about your information. You can dispute over and over nothing will change on your report. This company need to be burned to the ground. I’m right here in Atlanta. I sent in a dispute because we know it’s impossible to go online and dispute. It took 3 months to get an answer and was told I need more identification. So a driver's license and military ID and SS card is not enough. This company is terrible… run from this company. They are messing with people lives. I can't even buy a home… Because of them I have scores of 687 but for them 547. How is that so? I hate Equifax.

For over a year I have been trying to get my payment history corrected. I had gone through the original creditor and obtained documentation of payment history and supplied to Equifax. Further, I had contacted the original creditor disputing the history and both Nationstar and Equifax continue to report inaccurate payment history. At this point I'm tired of the games Equifax continues to play. By law they are required to provide proof of verification, and they have not done so yet. After calling them it was obvious they are going to continue to report inaccurate information because they state it has been verified by Nationstar.

Like many others, when requesting my free credit report through Equifax, I was asked a series of questions to verify my identity. Questions about a mortgage I never had, about car loans I never had and about a credit card I never had. When I answered "None of the above" to the questions, I was denied my report and told to submit mountains of personal information through the mail. I was fearful I was an identity fraud victim, until reading others' experiences mirrored my own. Is Congress aware of this malfeasance and are looking the other way, or just ignorant of yet another scam blindsiding the American public? And when will this abuse be shut down?

My first issue is that out of the three credit reporting agencies, they are the most difficult to deal with and are the only of the three to make it near impossible to correct mistakes in their reports. They keep listing my info such as my birth date on my husband's report. We never had this problem with the other two agencies. How does Equifax get this stuff mixed up?? Then when you try to correct it online, they want tons of documents to prove you are correct. I am tired of wasting time and money sending in all the info. If my state accepts my driver's license as prove of my age, so should they. My husband's birth date has never changed and it was listed correctly in their previous reports. They got it wrong. Why should I have to correct their mistake. Hire more competent people.

Did not even reply to dispute - called and kept giving me sites to go to and wanted more money. Discover sent me letter saying they were reducing my available credit line due to Equifax and they did nothing and I was unable to get report, etc.. Lot of time spent... Very sad.

I recently Checked my credit with all 3 credit bureaus and Equifax is the only one who had an outdated Chapter 13 on my file ... I found out that by law Chapter 13 can only stay on your credit discharged for 7 years and Chapter 7 for 10 years ... I know they know the law concerning this so what do they have to gain by keeping it on my credit?

I attempted to request my three legally mandated free annual credit reports and was very successful with all but Equifax. Equifax is carrying an error on my record and did not allow online requests nor customer service contact by phone. The other two services allowed me very easy access to both. Meanwhile, my refinance application is being negatively affected, and thanks to Equifax... a probable higher interest rate for me.

I pulled my credit report on 6/8/2014 and found that a student loan that was sold to another lender still showed as open and active with a balance that was at the time of transfer. It was sold early in 2012. 12/2011 I ran 60 days past due on the loan prior to it being sold. Fast forward 3 years and I pull all 3 credit reports and find the loan on Equifax but not the other 2. I send in the dispute online. They reacted quickly and closed the account. The problem is that the account showed as a recent transaction and the 60 days past due showed as recent as well. As a result, my score dropped 47 points! I have filed another dispute claiming this being unfair and have yet to hear back.

I first signed up for Equifax Advantage Plan (6/6/2014), which stated my Score as 671, so (based on this) I proceeded to apply for a home equity loan which required a minimum score of 640. When I called the lender to check on the status, I was told that I had been denied. Then I proceeded to call Equifax and requested to know what they reported to the bank (lender). I had my info pulled up from their "Advantage Plan" and on the screen; this was on 6/13/14, the agent at Equifax ("Zen") left the line, told me he would pull up my info and return shortly. When he returned I looked at my screen and he had changed my score to 644! (In seconds my score changed right on the screen, while I am on the phone with him!) Then on 6/14/2014 I received a letter of denial from the lender. I was shocked to see the report that was given to the bank with a score of "565", along with items which had been disputed and removed according to the records I had retrieved.

I am very frustrated with Equifax. Not only have they destroyed my credit due to an error, that they failed to correct year after year, they are preventing me from obtaining a free online credit report. I responded to all their security questions correctly, but they tell me that they can’t match my profile. Funny, somehow Equifax was able to locate me right away and take my cc information. I hung up. Equifax is in violation of the FTC and Consumer Affairs regulations. Now I believe Equifax includes on purpose inaccurate and derogatory information in their files as a way to boost their revenues. They included unfounded charges, that when I called the merchant, they told me they never had a dispute with me. In fact, I was not even a customer of theirs at that point.

I have experienced the same problem that many others have reported when trying to "verify my identity" in order to view my annual free credit score with Equifax. I was asked which company did I receive my mortgage from in 2009 and how much is my monthly payment on the auto loan that I received in 2010. I do not have, nor have ever had a home mortgage and do not have an auto loan so I answered none of the above for both questions and was subsequently told that I failed to identify myself and was locked out of being able to view my credit score and told that I would have to request my credit score by mail or purchase a look at my score. I immediately thought my identity had been stolen and began to search the internet for steps I should take to have this reported and rectified. Thank God, I came across this site and discovered that it was fraudulent practices by Equifax and not real identity theft. It was obviously a ploy to try to make me panic and PAY for what they rightfully should have supplied me which is a FREE inquiry into my credit score. Absolutely disgustingly dishonest. Something needs to be done to make sure this type of horrible business practice is stopped.

So... I disputed 3 medical collections, which are all the same items, on May 5. I have checked over and over online and by phone and still no resolve!!!! I did not contest through a free annual credit report, I paid for my report and disputed that way. Legally 30 days right????? We'll like I said, 32 days still waiting... Well I just received a bill from the collection agency of the disputed account. Hmmmm... What does this mean? Did equivalent find them accurate and now they're trying collect or did they miss the boat with Equifax and are going to report these again????? Help!?!?!? !

Our Company was getting a Copier lease. They told us Equifax has a $20,000 unpaid debt against our company. Guess what the only way to further investigate/get more info/dispute is? Sign up for a corporate account for 70+$.

Tried to contact Equifax for my free copy of my credit report as entitled to me by law after being denied a credit line increase. The number provided for me by my credit card company connected me to an automated Equifax service; I followed the prompts and was informed for my request I needed to call a DIFFERENT Equifax number, so I did and was connected with another automated service.

I have challenged Equifax to provide proof of the accuracy of items on my credit report with them. By law, they have 30 days to provide actual evidence of any signature cards or documents from items that are reported. They chose to send 1 letter saying they called those creditors and said its valid. What a load, as the other 2 bureaus Transunion and Experian followed the laws and removed all that was reported incorrectly. 92% of the items from Transunion and Experian were removed. As a victim of identity theft, I can say at least 2 of the 3 bureaus respect the law and follow through with it.

Back in February my credit score went down around 100 points with Equifax. Not with Transunion, not with Experian, but with Equifax. I had not missed a payment. I had not had an account go into collection. I had not filed bankruptcy of course. In fact I hadn't done anything whatsoever to affect my credit score in a negative way. I had been raising my score steadily every month for over a year. My score went down by a a substantial amount right before I got ready to buy a house. I had been preparing for this for 2 years. Then right before I went to get pre-approved they dropped my score out of nowhere. When I investigated why... I saw where it said on the website what was affecting my score positively and negatively.

Got a copy of my free credit report online. For $7.95, Equifax offers the credit score. Paid it, and was sent to another page that said my credit report would be mailed! No mention of the credit SCORE that I need. Equifax Contact page lists only a mailing address, no phone or email. In their "Problems" page, I filled in the boxes and explained the problem succinctly in the "Tell me more" box (did not exceed letters). BUT each time I pressed the submit button, it gave me an ERROR message and then signed me off! This feels like theft to me of my $7.95.

I'm wondering if you could help with an issue on my husband's credit report. We tried to apply for a farm loan and were told they could only pull my Equifax report and that his does not show any entries for at least 7 years and it does not show a FICO score. We thought there was a problem on the lender's end and tried it at our own bank. We were sitting with the bank manager and she tried to pull the credit record, no entries nor a score there either. We ended up ordering a report and found that all newer entries, as car payments, mortgage, student loan, and credit cards come up in the "dispute" section but not in the actual credit history. This is very damaging for us and attempts to resolve it with Equifax have not lead to any luck. They don't understand what our problem is.

I just cancelled my Equifax account because on two occasions in the past few months I had problems getting onto the site and unlocking my freeze and/or locking it back. I was at the car lot trying to unlock via online and because it hadn't gone through a few days prior, and because I couldn't unlock it, I had to pay a higher interest rate as they could never see my credit.

I've been trying to temporarily remove my security freeze, via internet and via phone. Via internet it indicates they can not process the lift, same thing with the phone. The automated piece of trash keeps saying, "I didn't understand what you said" many times when I haven't said a damn word. It's almost impossible to reach them. Piss poor service. I'll tell everybody I meet.

We purchased a one-time credit report from Equifax for $19.99. For the next 6 months, WITHOUT OUR CONSENT, they billed us $19.99. When we called to complain, they said we signed up for a service (that we never signed up for) and refused to return our money. They STOLE over $120 from us! This is illegal and unjust! NEVER give Equifax your credit card number. What a terrible scam!

Trying to get a credit report from Equifax is nearly impossible! They can never find my info, but they can report wrong information! 4/23/14, I asked for a free copy of my annual report, but all I got was the dispute form itself! Hopefully, I received it in about a week, again! They tried to talk me into a monitoring service they provide, to gain immediate access.

It's just that when you dispute something with Equifax, they don't just try to clear up what's on your report. They also try to find things to go back on it. I disputed 5 items that are paid to get my scores up and in the process they come back with a new creditor. I check my report three times a year. I think that this is unfair that they put it out there as a open thing so other companies see it and they can add to your credit report.

They have the wrong birth date for me (Again). I use to be a client many years back, thinking they were in the business of keeping my credit file up to date and clean. Attempted to use their "website" to make correction and once they stated they had my file up and I had to answer (4) questions for security purposes (yeah right). I got the Old You Failed Please Fax your Driver's License (This is the 2nd time I got this bogus message). I am not going to fax my driver's license to a bulk fax, especially to incompetent people in hopes that maybe someone would stumble upon the obvious and make another temporary fix. Just another Scam allowed to operate through extortion and implied threat, a real job creator for spin off aftermarket support.

Called Equifax to tell them I was denied credit and they took all my information and said, "We will have a report to you 7-10 days." Thank you Equifax!

Equifax makes it as difficult as possible to obtain the "free" annual credit report that each of us is entitled to. The security questions are purposely designed to be answered with "none of the above" providing zero proof of your true identity, compared to correctly selecting a company you have actually done business with or an address where you have previously lived. They use this to say they are unable to verify your identity and you must request the report by mail. The request by mail process is a bigger hassle requiring much personal info be sent through the unsecured U.S Mail. Most people just abandon the idea and rely on the other 2 credit bureaus which have hassle free processes. Equifax does everything it can to legally avoid its responsibility under Fair Credit Reporting Laws.

This is a terrible credit check firm. I wonder why so many companies totally rely on their service. The information they gather is totally out of nowhere and some are baseless. I recently moved to Canada and to update their system about my social security number takes ages. After providing them a lot of proof and documents, they still don't do their due diligence. They always ask for additional validation but unable to help you. Customer service lacks training and cannot give you a clear directive to resolve your case. They simply just take your call but in the end cannot help you. My credit check says I have this address and subscription to that telecom firm prior to my initial entry to the country which is impossible.. Such a waste of time, effort, money and opportunity!

Went to Freecreditreport.com and obtained reports from Experian and TransUnion without issue. After providing answers to security questions for the Equifax report, the system rejected my request saying "Online Delivery Unavailable - Mail in Request" and "We're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online." Then I attempted the same directly through their website, which does not offer the "FREE" option without using FreeCreditReport.com. So I looked into other products they sell on the Equifax website and found one for "Credit Report & Score".

I had previously had some bad reports because of some hospital bills that weren't paid. I worked VERY hard over the past year, and they are ALL paid, and I cannot get them taken off of my credit report! I have contacted Equifax SEVERAL times, and each time they want validation, which the first three times I complied, and send them validation, and waited three months. It is STILL on my report! I am NOT sending them any more information, because they totally ignore it anyway! I will still strive to raise my credit score, but I KNOW now that I will not get any good reports with Equifax. They are worthless!

I received this message in my email from Equifax: "You are receiving this e-mail because your Equifax personal solutions password has been changed. Your user ID is **. If you DID NOT INITIATE THIS TRANSACTION, PLEASE CALL Equifax customer care team. A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses."

On my annual credit report, several companies show a "Date Reported" for example Company X's date was 03/01/2010, yet the bankruptcy was discharged on 03/25/2009. Almost an entire year had passed after the "Date Reported", yet their response was "We put what the companies tell us" even though I had filed a dispute about the date. Then under the "Comments" for that same company they wrote "Bankruptcy chapter 7, Bankruptcy discharged" but there is no date showing when the discharge took place. The rest of the comments section is entirely blank so is not an issue about space because there is plenty of space in there.

Staying resilient through tough economic times has been a challenge. I lost my full time job and fell behind on my bills. My credit score did drop to poor. However, I acted quickly to consolidated all my loans and signed up for a program called Credit Counselling to help manage my financial situation. Through the help of Credit Counselling and an insane amount of hours working part-time at multiple low paying dead-end jobs, I was able to fulfill my obligations. I successfully paid all my lenders and are currently debt free.

Equifax keep putting other people's bad credit accounts on my credit report, I think its because I will not buy their credit report, so I filed a complaint with Consumer Protection and they are now starting to listen to me, they are a big SCAM. I would suggest if you have trouble with Equifax go to the Consumer Protection web site and file a complaint. That is the only way we as consumer are going to stop companies like Equifax from scamming us!!!! Thanks.

They have left me in the same position for over a year even though they say they update accounts quarterly. My position has changed dramatically in that time. One of my accounts has been paid in full and the other is being paid in full an entire year ahead of schedule and yet I sit with the same low score that has not changed. I've sent an e-mail and also a letter in the mail but had no response to either. When I phone I get some foreigner that I can hardly understand and he disputes my answers to things like where I went to school. I'm quite sure I know the correct answer. What can be done about this outfit?????

I checked my credit report with Equifax, Experion, Transunion, found out they had stuff on my report that was from 1986 and it took me a year to get them to take it off. I also found out I paid a company off for the amount I owed 2 yr. ago and faxed the papers to them and the company told them 2 yr. ago to remove it from my report and they didn't remove it. Then I did a Federal trade commission and they all got find $1000.00 fine for every bad mistake they had on there and they fixed the problem, and I got $50,0000 settlement for damages because the car lot we tried to get a car would not approve us, and the house we tried to get would not approve us because of stuff I had on my report that was from 1998 and up and sum of the stuff.

After much frustrating work, the Equifax customer support told me that it is their policy to report things in a certain way. The way they report certain items are misleading, damaging and inaccurate: Address update to previous address: I moved over a year ago and proved my new address to Equifax. They stated they must update my address to the old one every time a creditor gives them my old address as current.

I recently tried to dispute something from my equifax credit report and as usual, I filled out the normal first and last name and address including the s.s. number and then it asked me couple security questions that I should know. First, it told me I had a mortgage loan started in 2013 and asked me what company it was from and gave me choices of the $ amount of payment to choose from. News flash, I own my home and it's paid off and I have no mortgage payment, and the second question is that I have a car loan and gave me choices of the finance company and the amount of loan payment and the payments is in the $600 and above. Come on! Seriously, I own my own car and is paid off and I sure won't be paying that much a month for a car, let alone would I be able to afford it. I really don't know where Equifax get their info from but, since I have these weird questions being asked, I'm going to check into identity theft.

I am an ID theft victim and my credit file with Equifax and other 2 bureaus are frozen. I am able to get my files unfrozen for other 2 online, using the special PIN that they have provided. Even Equifax has provided the PIN, but the process of unfreezing my file on Equifax website does not work for free. And since I am an ID theft victim I do not have to pay for that. So there is no option but to call Equifax. Every time I call it takes 5-8 minutes before someone comes on the phone - and each representative has been giving me a new confirmation number and saying that my file is unlocked for the next 24 hours (as per my request), but it NEVER gets unlocked.

During the verification process to obtain my online credit report, questions asked by Equifax were entirely improper. These questions insinuated I have a mortgage and lease/loan account on a car. Since I know that I have no credit information on file (or shouldn't), I believe the questions were to compel me to pay for a report immediately in my concern. I am sending a request for my free annual report today as they suggested to ensure they show no open accounts. Experian asked appropriate questions, but still would not allow me to review their records except by mail. I'm also sending them a mailed request. TransUnion allowed review of my record, but showed an inquiry made by an ill-reputed company, NCO Financial Systems on a recent date and I'm sure I did nothing to initiate this inquiry.

I find it disturbing every time I call Equifax I'm asked for my entire social security number. Every other banking and/or financial institution relies on security questions. I also find it alarming that my SS number is not encrypted and the individual on the other end has all my personal information available. My credit card was charged twice for the service and trying to get it resolved was difficult. I was transferred repeatedly and the lengthy wait time was frustrating. Customer support is not very professional, friendly or helpful. I'm surprised Equifax is not more protective of their customer's private information. I would think twice about using Equifax's service. It has left me with anything but a secure feeling.

I have a credit watch program with Wells Fargo and receive quarterly reports during the year and all 3 of the major credit reporting agencies reports each new year. I got my final quarterly report today and not to my surprise, my rating went up 11 points with Trans Union, unchanged with Experian and down 9 with Equifax. This isn't the first time I had to take issue with Equifax. The FICO score between Trans Union and Equifax is nearly 40 points in difference. How is this possible? The difference between Trans Union and Experian was 18 points. But 40!?!?!

Once again, Equifax has failed to provide a credit report on-line. Last year, the same thing occurred. It even occurred with my wife and her attempt to pull her credit report as well. Gong through (freecreditreport.com), I was able to obtain reports from the other reporting bureaus, but of course not Equifax. When I sent for the report by mail, they found every excuse possible not to send my report. They told me I had already obtained my "Free" report for the year, on-line.

After my attempts to "verify" my identity and obtain an Equifax credit report online (through annual credit report.com) went south (Equifax asked me to verify that I "MIGHT have taken out a mortgage in month/year" and then asked me to pick the company the non-existent mortgage was with, and the monthly payment, and I correctly chose "none of the above) annual credit report DID mail me my Equifax report as I requested. The info on it was virtually identical to the info on the other two companies' reports, and did not include any new mortgages/loans that I was unaware of despite the incredibly shady "verification" process having led me to worry that someone had stolen my identity and was taking out mortgages, car loans and school loans in my name. So if you came here to this site after the same thing happened to you - please know that Equifax (in particular) is known for doing this, and until you get your actual report, try not to worry about your credit. It's almost certainly fine.

Through Annualcreditreport.com, I was able to easily get my credit reports from Experian and Transunion. Equifax told me that I answered the security questions incorrectly (like others have stated, the questions were about loans I "might" have taken from a variety of companies, and when I correctly answered "none of the above," I was told I'd have to send detailed personal info to get my free report). Instead, I called through Annualcreditreport's number and requested the Equifax report that way. We'll see if and when the report arrives. Anyway, today, I received what I imagine will be the first of many spam emails from Equifax.update saying that I could view my credit reports "for free." The link took me to a site where they wanted me to enter all my personal info including my credit card info for my "free" report (it was for a free 7-day trial, after which I think I would be charged around $30 a month). NO WAY. Equifax is terrible.

Equifax has no data about me. On my report it pretty much says I don't have a bank account and I have lived at my address for 1 year. I have lived in the same address for almost 14 years! And have never been late with a payment in my life! And have had the same bank account since 1993... How can anybody trust Equifax data? They should not be allowed to operate, they are in short propagating defamatory information. I have complained several times, have sent them all the relevant information and they have made no changes.

No matter what number I called, I got a vendor rep in India.They were rude abrupt, lied repeatedly. I ordered my free report 4 weeks ago, got them from Experian and Trans Union. Ordered my scores directly from the companies at $7.95 each. Got them from Experian and Trans Union. The vendor rep blames the mess on Freecreditreport.com where we are required to order the reports only from. They even blamed the lack of scores from them when I ordered them from the companies direct. Equifax in addition has a trick VRU that adds a chargeable credit report to the score order with a different VRU voice even though I never asked for it. One rep when asked to pass to a dispute department, passed me to a Trans Union rep.

I subscribed to the Equifax credit monitoring system and on day one I received my credit reports from all 3 bureaus... However, this information was WRONG. I also subscribe to Experian and know that my score is 748, on the Equifax report, it says my Experian score is 653!!!!

I am absolutely disgusted by the bullying of this agency. They are employing scare tactics to get people to pay for their credit reports/scores, even when they are entitled to a free one. As described by 178 other complaints of the 580+ on here, I attempted to get the 3 free annual credit reports from Annualcreditreport.com. I was assisting my niece, who is trying to purchase her first car. I was easily able to access TransUnion, but when I continued through the verification process for Equifax, their verification questions indicated that her file showed a mortgage loan and a car loan. Assuming it could be some kind of trick question we answered, "None of the above" and received the message her identity could not be verified and she would have to mail her request and send personal documentation.

I had the exact same experience as George with attempting to get my credit report and having the 5 questions it asks me to refer to a mortgage in 2007 I don't have and an auto loan in 2013 I never applied for. I panicked when it was stated that I could not be identified and had to submit everything in paper. I just got past fighting Equifax for over 6 years disputing the fact that they merged my deceased father's information with mine including all of his medical bills. They have got to be the absolute worst company I have ever dealt with.

Since retiring, I have never really cared about my credit rating so have never bothered to get a credit report. I have no need for credit. I paid off my last home mortgage before I retired over 22 years ago. I paid cash for my home in Wisconsin and my park model here in Mesa. I have only one credit/debit card through my brokerage account which is paid off automatically each month. Last week, I applied for a Best Buy credit card just to get a 5% discount on a new computer I was thinking of buying. To my utter amazement, I was denied the card because of high debt load and insufficient income to support it. What the heck, I have no debt at all.

My wife & I were interested in verifying our credit reports, since it had been a few years since we'd done that. Experian & Transunion were no problem, but Equifax's "Identity verification" questions were completely unreasonable. In my case, they asked about the monthly payments on a home equity loan that I'd paid off years ago. I guessed at the answer and got it right. In my wife's case, they asked about a student loan that she "may have had" and "may have paid off" in 2004, and wanted to know the lender and the monthly payments. First, my wife and I are both in our 60s and have not had student loans for decades. Second, why on earth are they screening based on 9 year old data, when they have in their data base all our most recent financial data? Of course, they are completely inaccessible by phone unless one has already received their credit report. This is a shameful and moronic business practice, for which they should be punished.

I filled out the online form at annualcreditreport.com and also received the same bogus questions regarding a mortgage I never had, the monthly payment, and the car loan I never had and the monthly payment. When I answered that none of them applied to me, they said they were unable to verify my identity and asked for me to submit my request in writing. I attempted contacting them by chat, but the respondent was non-responsive... Nothing but automated, pre-programmed responses to questions I never asked. Then I tried by phone, which required you to speak and spell your name, address, etc., and that was a disaster. It took three (3) tries before it finally took my information and I'm still concerned that it will screw something up.

I went to the Equifax site and entered my name, address, etc. on their site. It came back and said that the information I entered did not match what they had on file. After finally finding a living person at Equifax, two individuals stated that the only way you can see information is to purchase the Equifax Protection Program for $17.95 a month. Otherwise, you can get a free credit report every year. But wait! They update the credit information several times a year. What if they enter invalid information the month after I get my free report? Your credit is screwed up for a year. This is a scam!!

Bought a new car in early October with dealer financing. After three weeks, denial of credit letters starting coming in based on information Equifax supplied. I have a "security alert" on my credit which is precautionary and requires creditors to contact me directly whenever an attempt for credit occurs. (This is due to an identity theft situation three years ago when TransUnion issued credit to someone with a similar name based on my credit history and showed up as credit on my account.) Experian was now denying all credit stating I had a "credit freeze". All my attempts to get a credit report based on denial of credit were rebuffed.

I have been trying to get $800 of debt out of my record for a very long time. This was something that my father (who is now deceased) purchased, and signed under my name. The account holder name and address was mine; however, it should have been my father's, as he is the one who signed the contract for the item purchased. In addition, I was a minor at the time, I was only 17 years old. They have my age on record, and despite admitting that they would not allow a minor to sign a contract with them (and they clearly have proof that I was a minor), and despite multiple disputes from fraud, to error, to claiming that this debt is not mine, and me having proof that it really is not my debt, as I still have the document with my father's signature, they have failed to remove the debt from my report.

As a result of the poor algorithm and the data held/found about me by Equifax, I was told by EE (T-Mobile) I had to give a $100 ($160) deposit to EE to back up an £11 ($17) monthly direct debit. No details as to why were forthcoming. Quite possibly because I have no debts (I have paid off my mortgage early), credit card, if used, is settled in total each month and use debit card and cash as a preference, I am considered to be a risk. This despite my being at the same address for 24 years, with the same bank for 40 years, taught for 36 years and was a head of department with responsibility for extensive funds (Physics is an expensive subject). Fortunately, letters to EE pointing out the above resulted in the $100 being refunded, but no thanks to Equifax. They really ought to review how they manage their searches rather better than this.

I never was complaining about this company. I was complaining about the losers who steal your things and then get credit in your name cause they are criminals who should get way heavy sentences the very first time they do such a horrible thing to another person. Equitax is the good guy.

After contacting Equifax by phone, answering several questions and declining to pay for their available services, they did send my report. I'm still not sure if I'll be able to get a report in the future.

I have disputed things on my credit report twice and still they are reporting the errors. I have the proof that the things reported are not right and they still won't remove it....

Equifax has way too much influence over every aspect of a consumer's life especially considering the way the company does business. It is criminal that a company rips off consumers so blatantly and with such disregard for how much their actions cost a consumer through loans and insurance and even getting a job. My auto insurance went up because my address doesn't match the one Equifax has from 3 years ago. I have had the auto insurance for 4 years and they have no problem taking my payments but say they are charging me more because the address Equifax has is 3 years old. What does that have to do with my driving record or anything else?

I am having difficulty understanding the 3 agency reports I bought. Your report stated scores which do not match the reports I obtained directly from the other two agencies. It appears that Equifax is charging me fraudulently. In addition, your data is erroneous and appears to have been manipulated within your organization. Both of the other two agencies report data that is consistent and correct. I see no reason why businesses would report data to the others different from the information reported to you within a time frame bearing no account changes.

Very same experience with Equifax happened to me 10/5/2013 as is described in complaint given by Metosch of Oxnard, Ca Aug 9, 2013. I went to the online site www.AnnualCreditReport.com and I indicated that I would like a report from Equifax. Equifax questioned me about a nonexistent mortgage and a nonexistent car loan as security questions. Then I submitted my first request for my first free annual credit report from Equifax. The reply from Equifax was that for my own security, I would be required to request the free report by mail rather than online. I also had to send with the request form a copy of my driver's license, w-2 or social security card and a copy my home phone bill or utility bill with my name and address on it. A salesman for a car lot would be able to get my credit report info with a whole lot less trouble than it would take me to get my guaranteed 1 time yearly free credit report from Equifax.

While buying a home I learned there were a dozen or so entries on my EQUIFAX credit report that were not only not mine, but they were defaulted loans and series of judgements against "Angela **". I put a fraud alert on all 3 of the bureaus and begin to go through the process to dispute the charges. Creditors will not issue a fraud pack if the loan the social doesn't match (in other words it's not my social on the loan so they can't give me what I need to remediate against the charges in my name). This is not the error of the creditor, it is the error of EQUIFAX and ONLY EQUIFAX! They have her address as other known addresses of mine.

I checked all three of my credit scores this month and to my surprise 2 of mine was within 2 to 3 points of each other but when I looked Equifax it was 20 points difference. This a big deal! When I complained about the differences they said that they have their own scale that they use, they don't go by the standard that everyone else use. I looked every company is suppose to use the same scale. I would recommend to stay as far away from the people as possible.

I registered through AnnualCreditReport.com for my free reports from all three reporting companies. TransUnion and Experian both provided me with my full reports plus the ability to dispute errors. Equifax, however, gave me a report number but would only let me click on one non-detrimental portion of my report. When I would click on the other sections I received a white screen and then a pop-up saying they could not provide my report electronically and that I needed to send them a copy of my Social Security card, driver's license or passport, any utility bills etc. STOP!!! Isn't this how credit fraud happens?!?!

I was prompted to get a copy of my report over 6 months ago on Feb. 13th, 2013 and was told I can get all three of my reports through a free trial with Equifax at which time I had to provide a debit or credit card to set up the free trial. Upon getting what I wanted, which was the free reports, I cancelled the service that same day. The card I used to set up the account was my NYS debit card that I receive child support. I went to make a purchase about 4 months ago and to my surprise there was a debit for 17 plus dollars from Equifax. I immediately called the #, spoke to a customer service agent who claims they couldn't verify me and I needed to get a free copy of my report and then call back and I was hung up on.

Customer Service to Cancel Free Trial listed as (877) 474-8273 is wrong. I called 3 times and got automatic system. And all 3 times, after putting in my confirmation number of the account, it told me to wait a moment but disconnected my phone call automatically. I got really upset and went online to read about them. Of course, there were more than enough complaints about them. I went on their website, logged on and got the phone number to cancel the report. It's (866) 243-8181. They make it impossible for you to find this number because many people cannot even log on to their online account. Beware and do not use Equifax. I got through to them by dialing the above number. Make sure you ask for a confirmation for cancellation via email immediately. Good Luck!

On 8/21/13, I attempted to take out a home equity loan. The bank had a merged credit report from the three agencies: 1) Equifax, 2) Experian and 3) Transunion. The report had incorrect information and listed four accounts totaling $300,000 + that were not mine. The accounts were notified and confirmed that the information was incorrect. The three credit agencies were contacted via phone and fax. Information including a copy of my driver's license were faxed to the companies. It was confirmed that Equifax had erred. After waiting a week without response, Equifax was contacted via phone.

My husband and I went to HHGregg in Delaware to purchase some merchandise, and filled out a credit application. However, we were denied the chance for the credit application to go through, due to Equifax's unfair security questions.