Equifax Reviews

Hi guys, I used to work with Equifax as a customer service representative at Sitel, Gurgaon. I would like to share some knowledge with everyone.

It's close to 500 complaints now and Equifax refuses to monitor. Let's join together in a class action suit and shut them down. I had a very good score, nothing bad on credit, applied for credit card and was turned down until I got Discover, but all the attempts showed up, plus attempts to rent an apartment (with one listed as a credit transaction), and when I tried to get a free credit report online it took me through ALL my information before telling me it was unavailable (which is illegal - they MUST provide it when asked... WHEN ASKED) and to call a phone number. I called and went through giving all the information they asked and requested a credit report. They said I would have to write to an address and send in a whole slew of documents that not even a bank has ever asked for before.

Tried to get annual credit reports through Annualcreditreport.com. Equifax asked security questions about a nonexistent mortgage and a nonexistent car loan, then locked me out, and refused to send me a report unless I send copies of my driver's license and SS card through snail mail. Talk about a security risk! And of course, the only way to talk to a live person is to pay them for your report or score! What a scam! BTW, Experian and TU reports came this week in a very timely and professional manner, and showed nothing out of the ordinary. I never got my Equifax report?????? There is a big scam going on with Equifax and a lot of people getting in trouble and damaged!!!!

My husband wanted to be aware of his credit to try to improve his score. He signed up and after a few months of paying for this service, he wanted to cancel. He canceled in June of this year. We thought everything was fine until our bank account was charged in July and again in August. Not aware that these charges were going to occur, we did not have sufficient funds and were charged a $35 over-draft fee both months. Mind you that he did call in July and now again in August. We now will be reimbursed our monthly enrollment fee but not our over-draft fees. This after the guy on the phone verified that he first canceled in June. This is very upsetting... I can not afford to lose out on $70. Very frustrated.

After spending hours online to try & find out what I could do to resolve my problem with Equifax, I've found out two things: 1) There are laws to protect consumers; and, 2) See what others have done to resolve the same issues that I am having...since there's certainly no lack of complaint forums/communities on the web. Problem: 1) Equifax has been operating outside of the law since "The Big Bang", and in their own words: "...It's cheaper & easier to pay judgements against us than it is to fix the problems." So they will continue to have no regard to any/all consumer protection laws. 2) I found no lack of people with the same exact problem I'm having.

I had cash to buy a mobile home. The park it is in wanted me to fill out an application (rental/credit). I did (2 mo. ago) & was told (July 27) that I was denied because I didn't list a bankruptcy (apparently in 2004) on said app. I didn't list it because IT NEVER HAPPENED! I was bedridden with an illness & my parents were taking care of me during that time. You have to have "A" (@ least one) creditor to file a bankruptcy against... I've never had one - not even a credit card! I've had credit unions at work & pay cash for most everything. I've never liked the idea of owing anyone anything, as I'm single, so I have to live on one income in a two-income world. Experian & TU gave me my report online & they had my info correct. Equifax wanted me to verify a non-existent mortgage & auto loan. Since they don't exist either, I now have to mail them SS card; DL; & W2 or utility bill. Meanwhile, I'm living in my driveway, because the roof caved-in on the mobile I'm renting! Since I have cash for the one I want to buy, I dreamed there would be a problem, as I'M NOT TRYING TO BORROW ANY MONEY! I'm still disabled & wonder how much longer I had to live outdoors! I don't know what action to take, since "The Powers That Be" seem to take a blind eye to Equifax. Reading everyone else's problems with them is not solving mine!

I filled out all the required info. They had imaginary loans I had to deal with. But I see in the other complaints they all did. What it boils down to is you will not get the free report, period. I have tried for several years but they always milk me for information and then say for my security send them all my personal paper, which I won't do. How in the world are they allowed to flaunt the law? What they are doing is illegal. Who is letting them slide and for what reason. Every time I talk to anyone I know in business, they say about the same thing. Political donations buy lots of things. I don't know I have never tried but I do know that I personally cannot avoid obeying the laws of this country and nothing is done about it. Anyway NO FREE REPORT!!!

I have tried to get my online credit report for two years. I have not had an issue getting my yearly free report from the other credit companies, but each time I tried to access it online, I got a message telling me I needed to provide proof of who I was before I could get a copy. I applied for a loan today, and was denied because Equifax refused to give information about me to the bank, even though since the two years I had been trying to get a copy of the report, I have bought cars, had a credit card, rented homes, etc., all without issue.

I issued a complaint on March 15, 2013. I called the Corporate offices in Georgia this morning. I explained to the lady answering the phone that after all I went through in March someone did call me back in March, and said they had removed the fraudulent person on my file, and had updated my scores, and promised they would send me a free report and scores by mail. They were very nice, but here it is almost August, and still no report or updated scores sent to me. The lady on the phone TODAY asked me to hold on one second and she would get me to someone that could help me. What does she do but send me back to the stupid foreign customer service. I am totally fed up with this company. I feel no one is doing anything about this. Too many decent hardworking Americans are being screwed by Equifax! I'm thinking seriously of taking my story to the media... This is just plain UNFAIR!

I continue to contact Equifax to dispute incorrect information regarding my credit report. They refuse to do proper investigation of my report. When I speak with others there, they are rude and speak over me. They say that they have investigated it and it was verified with the company via electronic transmission. When I request the investigation be properly verified with my FTC rights, they tell me to hang up and call again to talk with someone else. This system fails to have the consumer's rights verified. It is in violation of the FTC and the Fair Debt Collections Act. Seems to me that Equifax has no intentions of following the rules even when an attorney is involved. I need help! They want me to purchase their monitoring package in order to speak with anyone who may be able to help. What kind of individuals are running this company?

I have been having problems with Equifax for over a year. I disputed some incorrect items on my Equifax report. It reappeared on my report a month later. Equifax dispute department removed it again, but they keep allowing it to reappear, and I have to dispute it all over again. I am sick of this. I was on the phone with them over an hour yesterday. Since I recently disputed the same fraudulent items yesterday, Equifax Consumer Affairs Department canceled my credit monitoring service, and stating that my file is too large. They then told me if I need my credit report, to call their office and they will sent me a report within 10 days. I just can see how people can just do with a person's report as they please.

Equifax Credit Reporting has refused to update my credit file to reflect some items that were not properly paid by myself, that have now been settled with the creditors and paid in full. I settled each one of these accounts and sent Equifax copies of all settlement papers showing that accounts had been settled. Equifax still only shows these items as charge-offs. Also they carry some accounts that have long been paid out as delinquent.

I was denied credit at one of the local banks. They used Equifax credit report to base their no-can-do letter to me in the mail. I went to the website to get my free report. By law, I am allowed a free copy and they told me that I could not view it online. I was given a list of what info they wanted me to send so they can verify it's me. They said what I put in, which was correct for me, did not match their info so I couldn't view it online. They gave me a list of what they wanted from me - W2, bank statement, driver's ID, etc., etc. I am not sending this info by mail and have to wait. They need to be put out of business.

Equifax will not provide my credit report unless I mail them hard copies of my SS card and driver's license. I do not want to risk sending these documents through the mail! TransUnion and Experian provided online reports with no problems. Also, I once applied for life insurance. Equifax sent an interviewer to my apartment building to collect info. I was not home, so they went to another apartment on my floor and interviewed a man (whom I knew) who shared his apartment with his adult son. A week later, the insurance company refused to cover me because Equifax told them my wife and I were not really married and I actually lived with another adult male! My wife was in tears!!!

Tried to get annual credit reports through Annualcreditreport.com. Equifax asked security questions about a nonexistent mortgage and a nonexistent car loan, then locked me out, and refused to send me a report unless I send copies of my driver's license and SS card through snail mail. Talk about a security risk! And of course, the only way to talk to a live person is to pay them for your report or score! What a scam! BTW, Experian and TU reports came this week in a very timely and professional manner, and showed nothing out of the ordinary.

I went to annual credit report like I have every year for 6 years, put in info, went to Equifax and did their info... They showed me the 1st page, then my pos credits and then bam... like every other year... Sorry, we are a bait and switch outfit. Give us money because even though we showed you PERSONAL info, now we feel it's not you... basically. Every year it's the same thing. I never see a report, just a bill. It's a scam, ** Equifax.

We really should be able to opt out of this fraudulent behavior. Any changes that need to be made are only correct if you pay. If you would like to see the results of changes, you need to pay. If you do pay and there are mistakes in, let's say the spelling of my name, it doesn't stop the payment process from going through - only the receipt of the items you pay for. Let me clarify, I know how to spell my name. My card has the correct spelling, but it doesn't match their file/ So fax this repeatedly to nowhere and maybe you will get a result. Oh, but payment goes through just fine.

I pulled all three credit reports, and Equifax was almost 150 points lower than the TU and EX. I called and talked to a rep, who could barely speak any English. I disputed all the negative items that did not belong to me a year ago but still no difference. They have inaccurate reports and are refusing to correct it. How could the U.S. government allow such slimy organizations to play and perhaps destroy the lives of innocent consumers just for profits! I find EQ despicable, and the FTC is as culpable for being so complacent and ineffective. Equifax must be investigated with all seriousness and shut down!

I requested a review of an alleged debt and received confirmation from Equifax that this debt belongs to me. I tried to get the explanation of verification process from Equifax, but was not able to due to the online process design that prevents customer from doing so. I called the debt collection agency and inquired about the debt. Agency could not substantiate the claim and agreed to withdraw the claim. They sent the request to Equifax to withdraw the debt claim record from my account. Equifax has not done it (30 days after the request). I tried to send my request to Equifax online through their site, but the site is designed to prevent it. What a shameful company.

I am pursuing a lawsuit against Equifax for not allowing creditors access to my credit report for the past 6 months. I have spoken with their dispute center reps, verified all info, and still creditors continued to tell me that my Equifax credit report remains "Locked" where no creditor can access my report. I was a paying member as well. I cancelled because of this. Creditors had no problem accessing my Experian or TransUnion reports. As a result of my credit report remaining "Locked", I have been denied credit and received a higher interest rate on a car loan. The last I spoke with Equifax, they provided me a ticket # stating the issue is due to a technical issues which is bull because they still have not unlocked my credit.

Unique address created just for Equifax and not for communication, as I've been spammed hundreds of times with dangerous links and fraud. Do not trust them with your social security number. Their credit reports are flawed.

Frustrating morning! I went to Annualcreditreport.com to pick up my free credit reports. It seems that I was denied a car loan and a credit card for my new business as a result of an adverse report by Equifax. I received the reports from TransUnion and Experian without a problem. I filed a dispute with erroneous info and paid an outstanding debt. Equifax however asked me security questions about nonexistent loans (a mortgage in 2009 and a car loan in 2010, I have never financed a car and I have lived in the same house for 14 years) which had no relevance to me and then locked me out and told me I had to fill out a form and send it snail mail along with a Social Security card copy, a paystub copy (I'm unemployed) and a W-2 copy.

All the information these idiots (Equifax) have is incorrect. My credit score is excellent and I've never defaulted any payment ever. The idiot from this organization asked me irrelevant questions and denied credit for me while changing mobile carrier. It appeared to me as if these dumb fellas have incorrect info about me on their file. I tried to review my credit report with them, but the verification questions they asked me were totally unrelated to me. I've no mortgage and they asked me 4 questions about mortgage. I've always made timely payments and have excellent credit history. These guys are doing a shoddy job that's all I can say... I hope they are out of business.

Equifax is consistently failing to send free credit reports 50% of the time. Try to find a phone number and it is next to impossible. Here is a LIVE HUMAN TELEPHONE NUMBER: 800 203 7843. They will ask you for a confirmation number. Tell them you do not have one but that you went online and could not order your report, so you had to mail in a request and you did not receive it after you complied but that you received the other reports from competitor company credit agencies.

I recently had my credit report pulled from all 3 credit bureaus, to find out that aside from 1 credit card, an item that had been disputed 6 months ago showed on my Equifax. Transunion and Experian both had all my information correct and up to date. I have a current mortgage, a car payment that was paid off Oct 2012, and about 7 other accounts. Equifax doesn't update any of them!!! I see why my lowest score is always Equifax, because they don't do anything by the book. Equifax is a joke and should be banned from doing business!

I requested free reports from Equifax, Experian, and TransUnion. I received reports from two companies, but not Equifax after getting letters requiring I send certain ID verification info. I submitted that info twice to Equifax and still got another letter requesting the same info. I think Equifax should lose their license!

I have collection money in my credit report but I didn't know where it came from.

I had the identical experience as other posters. I attempted to obtain my annual free credit report from all 3 credit reporting bureaus. Equifax refuses to provide the report online. I have to send in a copy of my most important identity confirmations - my driver's license and my Social Security card. I really believe they are either dodging their obligation to provide the yearly free report or are purposely placing us all in a position to have our identities stolen by making us provide copies of the actual documents. By the way, I needed my reports quickly because I was getting ready to obtain a pre-approval for my mortgage. Amazingly if you pay for it, the mortgage company can obtain it instantly from Equifax. This is criminal behavior!

I am trying to get in touch with Equifax and have been unable to reach a person. Automated telephone keeps referring me to the "free" credit report online, but when I go there, Equifax won't access it. They say they cannot provide your credit report online but the telephone says you have to go there to get it. I believe Equifax is knowingly violating the law by not delivering your required annual free report and trying to make you pay for other services to receive it. I will not mail 3 pieces of identification including my SSN to them to get my free credit report. Are you serious? Someone opens that mail and there goes my identity.

I went through www.annualcreditreport.com for free reports. Experian, TransUnion - no prob. Equifax, which had all my personal info, asked specific questions about specific loans obtained in March 2011 and Sept 2009. Loans I never applied for and then denied my access to my files. When I called and gave personal info, they said they would pull up my file and then hung up. I re-called. They tried to sell me a product that would give me limited access to my account. I told them I wouldn't buy anything from them until they'd cleared up their competency score with me. Still nothing. Worried.

I am moving to another state to take a job. I am trying to get the electricity turned on. When the electric company tried to submit a credit check to Equifax, it was kicked out. I was then told by the company that I needed to call Equifax and was given the phone number. I called Equifax and one of the questions that I was asked was what was my birthday. I was told that they could not validate me because I did not answer my security questions correctly. Well after being very persistent, I finally got through verification. I found out that my birthday had been changed (thanks Equifax, I am now 8 days younger than I used to be). I asked to have that corrected and was told I would have to mail them copies of 2 identification with my birthday on them.

I called and spoke to Sam, repeatedly asking him to cancel my account. However, he went on to about offering me a 1-month free subscription, which is great! He told me that I can call back in June to see if I really want to cancel or not! I again told Sam I am not interested in the product and just want to cancel. Again, he repeated himself. Then he said, "To summarize our conversation," and now you can barely hear him speak! So I told him, "I can't hear you" and now this is starting to sound like a scam! He blamed the headset, which I find it strange since during the rest of the conversation, no problems with the headset only when he's summarizing the conversation and trying to scam me! This is extremely upsetting that such a reputable company like Equifax would do such a thing. You definitely lost my business!

Equifax denied a credit report because my information would not match their record. My account was frozen in 2009. Apparently, Equifax changed my information since it was frozen. They requested copies of my driver license and social security card, and they’re still denying a credit report saying that I can change the wrong information, apparently, created by Equifax themselves. This indicates that Equifax is covering up identity theft caused by themselves. Equifax should be taken off being a credit reporting agency for denying customers to change errors they created, implicating themselves with identity theft.

Equifax discloses private information to all. So much for identify theft protection, since they disclose rather than protect. In March 2013, Equifax disclosed some celebrity accounts had been hacked. Well, I created two unique profiles with Equifax, each with a unique email known only to Equifax. Since March, both accounts have been spammed. Both accounts receive the identical message from different email addresses. These are different emails, all emailing with information only known to Equifax. So much for identify theft; they are the thieves. So, the company which advertises "Identify Theft Protection" in fact disclosed my identify and I have to guess, all my confidential information to persons unknown.

I have been a victim of identity fraud, and I have filed a police report with the Orange County Sheriff’s Dept. I have also contacted Equifax and provided them a copy of the police report and copies of my identification documents, so that they can block and delete the accounts from my report. Under the law, FCRA 605 (B), the credit bureau has 4 days to block or remove the fraudulent accounts from my credit profile from the date of receipt of those documents. I have contacted Equifax fraud dept. on numerous occasions, and they still have yet to remove the fraudulent accounts.

I used the US government-approved website to access my annual credit report from TransUnion and Experian. No problem accessing those sites. Equifax, however, refused to provide the report at all. The error message said that I had already accessed that report today. Since I went to their site for the first time from AnnualCreditReport.com, I could not have accessed my report, not even a little bit. They provide no way to contact them other than by mail. I have tried that in the past in order to dispute information and they have never responded, not once.

Equifax won't send me a free credit report. It has been over a year since my last request, but it took me two requests in the last two months to even get a response from them, and they told me to send them copies of my private info, like Social Security card, pay stub, house deed, W2, etc. I never had to send them anything in the past to get my yearly free report. All I've ever had to do was call to request it from annualcreditreport.com. I don't think I should mail my Social Security # and other private info.

First of all, I would like to say I'm disappointed that our most vital credit information has been outsourced from America to a foreign country. In the past two days, I have called Equifax 9 times. Each time, I was told a different story. I have had an account with Equifax for several months. When I tried to access my account online, I was denied that access. I called customer service and was told that I could not access my account until I paid more money, although I was already paying $16.95 a month. I then tried to explain that there were a couple of issues I would like to discuss with a representative about my credit. Again I was rudely told that they will not access my account until I paid an additional fee.

Minor comfort to know that I am not alone with my anger. This is what happened to me: At AnnualCreditreport.com link from md.gov website, I was not able to obtain my free annual credit report from Equifax. No problems with TransUnion and Experian. Equifax did not provide me with even the view of my consumer credit report. (I did make a complaint on the AnnualCreditReport.com site about this incident.) Then, Equifax sent me an e-mail. Wow! What a shock to read that without my knowledge or consent, Equifax enrolled/registered me in its credit reporting service. The Equifax enrollment e-mail claimed that I had received a free credit report when in fact I did not.

The other two credit companies deleted the fraud accounts charge off but not Equifax. First, I had to climb mountains to get my report and my account had a fraud alert on it for years and people were still getting accounts and using my personal information and the results are that I cannot get any credit. My score is in the toilet. Equifax should be removed or put out of business. This company had done more harm than good.

I can’t understand how the three major credit agencies are able to outsource our information off shore. I have had several problems with customer service reps who speak broken English, hang up on me, overcharge me, and refuse to give me my credit report. I have sent them certified letters asking them for method of verification and they just simply ignore my request, even if the letter is certified. Why we are putting our information out there is beyond me. I personally have opened a case with the FTC and Bureau of Consumer Finance and Protection. Hopefully, I will be able to settle soon. I am so frustrated with Equifax right now. I guess when I have an identity theft issue I will just file a law suit against the credit agencies who refuse to help me anyway. We don’t even have a choice! I don’t want my information out there! I can’t get them to update my credit file correctly!

I received a letter from them saying, for $7.95, I could get my credit score. I had seen a free presentation from a company that checked the big three, Equifax being one of them. Equifax had a much lower score than the others. I have excellent credit and they showed me just above average. I thought maybe the free site that was selling other products had just cobbled something together to get me to look at their site, so I called the number on my letter from Equifax and gave them my CC number for the $7.95 report. It was all a programmed discussion, no humans. As soon as my CC card passed, they said, "Your CC has been accepted, here is your confirmation number. Please wait one moment to be transferred to a representative," as if some human would give me my credit score. Instead it disconnected me.

I just received my three free credit reports and noticed there was an error in a previous address on two of the reports - Experian and Equifax. With Experian, it was no problem initiating a dispute online. With Equifax, there was no way for me to do so unless it looked like I purchased one of Equifax's products. I tried several times online - all without success. I tried calling - with no success at all. And when I tried to do an online chat, I had to wait way too long. Equifax obviously does not care about customer service or accuracy. They should be required to change their process for being contacted. You can tell they want to do everything they can to get money from you before ever speaking to you.

Complaints about this have been filed with the following agency: Federal Consumer Finance, Federal Trade Commission, HUD, Federal Banking, FBI (fraud for mortgage), just to name a few. Argent, the original writer of my mortgage, was fraudulent to start with. This company is the only one so far to have their vice president to go to jail for this. Their sister company was used to cover up these fraudulent loans by transferring them from Argent to Ameriquest before the first payment was due. A class action lawsuit in California found these transferred properties illegal.

I had issues logging into my account, so tried the forgotten password link. I tried a couple of times and was locked out and had to call customer service. This is where the problems started. I called customer service and then after verifying SSN and multiple security questions, I was asked to fax my driver’s license and Social Security card to them even though all the security answers were correct. I asked to speak with a supervisor and was put on hold for 30 minutes, and then I dropped. I called back in again and asked for a supervisor and was put on hold for another 20 minutes and dropped again, but kept calling.

During my three hours on the phone today with Equifax, I spoke to one man pretending to be a computer and one woman who gave me an erroneous phone number. No one was willing to give their own name or the name of their supervisors. The company took no responsibility for an error that they made, but instead chose to blame a company that had documentation. They refused to accept this documentation in the form of a fax. This was absolutely the worst customer service that I have had in my life. This company should be ashamed of itself and should absolutely not be allowed to continue being a reporting agency for the credit bureau. Truly disgusting behavior.

I had applied online for a payment plan with a major computer seller. I thought there wouldn't be any problem but the application was denied. I went to Experian and used the $1 trial. As I went through the various information, I found a credit alert. Equifax had dropped my credit score 32 points. I did receive a copy of the letter I'll be getting in the mail via my email that had the reasons for the refusal. Equifax also said in the refusal letter that I didn't have a long enough credit history. In reading my Experian report, one card was 22.2 years old and my average length of credit was 8 years. In view of all the complaints about these people, I'm considering even whether to contact them. I'd have to pay them $16.99 or something to talk to them because I'd have to use their site.

Trying to get my free mandated report was nearly impossible. I was so frustrated that I gave in and tried to simply pay for it with a "trial" offer. Even then, it was frustrating and I never did end up being able to access the information though I was charged. I phoned numerous times to their supposed 24/7 service and was put on hold for an hour each time before being disconnected. Truly, Equifax managed to make Comcast's customer service look good. 'Nuff said. Worst. Ever.

Honestly, the other two reporting agencies - Experian and Trans Union - were great. I went through AnnualCreditReport.com and everything worked great, until I got to Equifax! Wow, after reviewing the first tab and attempted to review additional information, it pulled up a small box on the screen to provide misdirection. A horrible experience and business practice to try and drain money from people! I received a reference number, only to be advised that I had already received my report, when I had not seen anything except the first page! I will also be filing a complaint with the BBB and anyone else who cares. It's ridiculous! Really folks. Horrible download for free report.

I have been fighting for nearly a year to get Equifax to correct mine and my husband's credit reports. They are reporting a mortgage delinquency on both our reports for May 2008 and on my husband's report, only for October 2009. This is a joint account; shouldn't reported info be the same on both reports? Neither delinquency ever existed! I first tried disputing this information with them, and they simply ignored me. So I tried a second time and was ignored yet again. I then reported them to the BBB for failing to acknowledge me and then I got a response. Equifax denied owning the report and shifted the blame to some company known as CSC Credit Services for making corrections.

Equifax outsources American's credit information to other countries with representatives who speak very little English. My account was billed three times for $16.95 for the same product that I had requested to cancel during the 30-day trial. I spoke to a man who sounded like he was from India. He claimed his name was Brad; however, he spoke very bad English. I was told that he would credit my account and I regret giving him my credit information. Equifax is providing our (Americans) information to other countries and it is very upsetting. I was told by Brad that they will hold my checking account on pending status for 5 business days before I would see money credited back to my account. That was due to his error.

Every single month, I keep getting a letter from Equifax saying that a creditor has given them my new current address and my old address. I keep sending letters to Equifax telling them that I have been at the same Reno, NV address since 2005. So I ask them who is doing that and all I get is double talk. They talk down at me as if I were an idiot and I certainly am not. They say a creditor can contact them and give them our new address anytime and when I say no new address, same as last seven years, they refuse to give me that information. I want to know who so I can contact them and ask why they are doing this.

I thank God, Equifax can now be regulated by Consumer Financial Protection Bureau. I'm so fed up with them manipulating my credit score. They include fraudulent "remarks" such as "consumer disputes credit account charge." This removes a good & low debt-to-credit limit from ratio so your rate can be higher. Report them; get quick results. You can even upload proof from creditors. Equifax has outsourced our information to low wage countries and will do anything to help banks get higher interests. It's Illegal.

In June 2012, the credit union I was working with said my Equifax account was frozen. I struggled painfully online and over the phone to get it unfrozen. The website said "Freeze was removed." The credit union could never get the report, they used Experian instead. In July 2012, my refinancing mortgage company attempted to get a report. The Equifax account was still frozen. After I paid for unfreezing the first time, they charged me again for unfreezing the second time. The website log in attempts were also frozen by Equifax. The rep stated that was so after my attempt to unfreeze the 1st time. In order to get customer service info, you have to log in. But I couldn't log in. Frustrated? You better believe it. I fished around and finally found a phone number. I do not have the patience for fishing, get more bug bites than fish bites. I had already set up an account for logging in, but now they say I don't have an account. Since major financial institutions prefer Equifax, you are just basically headed for pain and suffering with this company. Never freeze unless you are a glutton for punishment, then by all means go for it. If you ever have to unfreeze, first take painkillers.

Equifax has my record locked so my bank cannot access it. Their website does not provide a phone number to speak with a representative unless you purchase one of their products or services. I cannot find out why they have my record locked. I did not request it to be locked.

On 5/23/2012, I submitted my request for the three free credit reports, and went through the process. Previous times, I was mailed these reports, and did not realize that one must immediately print out the report. At the time, my printer was down, and believed I could come back. I did so with TransUnion and Experian, but Equifax did not allow me to. After calling, I was told there was a 30-day limit, and I was, at that point, a few days past or late. Checking back, TransUnion has a 90-day limit. I got a little lost, going back and forth through the credit report system! I think that Equifax should somehow be punished, at the very least, for misleading information!

I joined Equifax Credit Monitoring for a monthly fee. I was set up on a plan to pay off my accounts in a shorter time. This worked out good for me and I was able to pay off several accounts in a short time and my credit score went up to 766 but then started coming down. I called Equifax to find out why my score was coming down and was told it was because I had paid off my credit cards. What a country we live in?

On April 19, 2012, I requested all three credit reports from www.annualcreditreport.com. Transunion immediately issued my credit report - no problem. Experian, after several requests (letters back and forth) and corrections of false information, issued and received a copy of my credit report on June 7, 2012.

Poor service from a rep at Equifax - I paid a judgement from 2005 in full in Oct 2009, and paid the bill. It was a small claim suit. It was resolved and paid in full. Three years after paying it in full, I see the judgement on my credit report! The court never contacted the credit company, Equifax! So I called to resolve by calling the dispute dept. Because I'm going for a new job, they need my credit report. Lei from the dispute department said even though paid in full and they would investigate, it would not be removed for 7 years. I told her, "Then you have to show 'paid'," and Lei refused to let me speak to her supervisor, or give the name of a supervisor. She should be fired! It's illegal for them to not dispute a claim, then not let me speak to a supervisor. I'm going for a new job; I may not get hired based on this.

I called Equifax in February and was told the credit monitoring would stop the following month and when I looked at my bank statement in May, it was still there. When I called, they said they could only credit for April and May because I was supposed to talk to someone in the dispute department in which I never spoke to anyone. They claimed that is why they will not refund for the month of March. I feel these people are crooks and trying to pocket my money.

Charging my account for information I cannot retrieve - I have tried to call and only get a voice system. I have tried to go on line and they claim, even after I have given them my full information, that I am not a customer of theirs. I tried to contact them on their 'contact us' email and asked them to stop drawing money out of my bank account since I am not a customer of theirs and they still are taking my money! How is this possible?

I was recently refused credit and the company used Equifax for its confirmation of my information. As it turns out, Equifax has erroneous info which led to my denial. I requested a report from Equifax, received it and on page 3 of the report is a confirmation # and a Toll Free number with which to call so I could speak with a customer service rep. When the number, 866-238-6559, is called from any phone any time, a recorded message states that: "the date of my credit file is older than 60 days." Impossible, as the file is dated April 25, 2012. Today's date is May 1, 2012. They direct me to the "Pay for a credit report and monitoring" service that one has to sign up for. There are no customer service reps, a fraud once again.

In March, I took Equifax up on their $1 trial. I canceled by phone within the required 7-day trial but was billed $16.95 in March. I called and cancelled again, but a $16.95 charge appears on my April credit card statement. Do not take their $1 trial. You can't get rid of them. Their offshore phone representatives are rude and don't even try to assist.

I have been on hold for over an hour. I chose to call in the evening around 8:30PM PST. They close at 3AM EST. I am still on hold and will have to hang up soon because I have to work tomorrow. I will try again in the morning. If I can't get through in the morning, then I am going to see where else I can go to get this service cancelled. I refuse to be held hostage like this!

Equifax is a truly terrible company. I tried to get their 30-day free trial for a credit report, but they failed to tell me that having filled out endless forms online, they would then need to ask dozens of questions on the phone to validate my identity further. They then left me on hold for 15 minutes before taking another half an hour to question me then ask me to send in a utility bill. None of which is mentioned in the 'get your free report instantly' ad. Then they hung up on me before I could ask where to send the report to! A dreadful, dreadful experience!

Do not purchase the Equifax trial offer unless you want to be charged monthly. It is nearly impossible to cancel! I called the next day after purchasing the report so that I would not forget to cancel and receive unexpected charges in 30 days. The CSR spoke terrible English but well enough that I could understand him as he asked for my SS#, my birth date, my father's middle name, my address, my phone number, my email address. I truly hated giving all of this information over the phone. You think Equifax, a company exposed to identity theft protection on a daily basis, would understand how adverse most people are to giving this kind of information to an unknown, even if I am the person who called them!

I ordered my annual credit reports online about one month ago. My reports from Experian and TransUnion came through with no problem. There was a problem getting my report from Equifax, I was told to send information to prove my identity and address. I sent a copy of my social, my pay stub and driver's license to annual credit report and I checked the box to receive my report from Equifax.

Equifax is reporting false information. I told them that I do not have two mortgages. Still, they refuse to remove one of them and correct the amount on the one that I do have.

What a ** headache dealing with these cretins. We were going for a refinance on our mortgage - I have a credit score of 815 and my husband 813. New laws require no comments on your credit report. We had one on our report which the creditor which we spent an hour with could not find and said they never made one, but there it was anyway. 20 calls to Equifax and they give you a menu with half a dozen choices and then the ** thing hangs up on you. Going online was no help either.

I am in the process of purchasing a home. I was informed that a new guideline for purchasing a home requires that there are no dispute status remarks on any of your credit reports. I was told by my loan officer to contact the creditors directly, which I did, and they said that I needed to contact the credit reporting agencies directly. I wrote a letter asking for Equifax to remove any disputes on our credit reports. In turn, they initiated new disputes! I called and argued for 30 minutes with the first agent, who did not even understand English, before I finally got a supervisor on the phone. The supervisor could not do anything about the fact that someone from their business that reads the mail somehow did exactly the opposite of what was asked of them in writing.

They had wrong information on my credit file. After I made a dispute, they ignored it. The credit score difference is almost 150 with other two credit companies. Why they behave in a crazy way? I want to get rid of my all information which they had.

Stolen Identity and No Help from Equifax: I recently found out that someone stole my identity, and opened 5 accounts, totaling around $12,000 using my identity. I immediately reported this information to Equifax, along with placing fraud alerts on my report, disputing all of the accounts, completing an affidavit with the FTC, getting police reports, etc. I took every step that I was told to take in a case like this. After finding out that my entire tax refund was taken, due to a loan that I never opened, I broke down mentally. I made numerous calls to Equifax Dispute Department, product departments, and they literally transferred me to over fifteen different places, and still no help.

I hired a lawyer to clear up old and bad credit on my credit report. Both Experian and Trans Union are completely cooperating with my lawyer. We cannot get Equifax to comply with anything! I have worked over 2 years to fix my credit, and Equifax just will not help in any way! They are keeping my family from purchasing our fist home and land. Most banks only work with your lowest score, and they are more than 150 points behind the others!

Equifax are reporting that I have too many inquires. They are reporting inaccurate information to credit on my credit report. They said too many delinquent accounts. I looked at all three credit reports and they are lying. They are causing problems for me. All my bills have been paid off on time. I have very good accounts. I want to get rid of them.

I have tried to clear up charges on my credit report that does not belong to me and the credit company has done nothing about it. I have gone all the way to Detroit and none of these things come up with my SS# but some kind of way it is on my credit report. I have been denied credit for this. Just recently, I was denied housing because of an eviction in Detroit and I have never lived there. How about this one? I have always and only spelled my name the way it is on my birth certificate but the credit company tells me that I do use these names. The say part of it is that the credit company just gives me the runaround so this FACT Act, I think, is a joke!

I'm the victim of identity theft that took place 6 years ago. If you know anything about identity theft, you also know what a nightmare it is getting these types of information removed from your credit file. I've spent literally hundreds of hours on hold with Equifax in failed attempts to find resolution. I have a file that is well in excess of eight inches thick as a result of online disputes and "adjusted credit files". All to no avail. Equifax is, by far and without exaggeration, the most deplorable company I have ever had the displeasure of dealing with.

I recently received my credit bureau file from Equifax, and noticed a collection item from 2004, that was recently added as a new item, and re-dated from 2004, as the last date of activity of 2010. I called and talked to Diane from collections, and tried to explain to her that this was an old debt from 2004, and asked her to modify the date, and remove it from my file, as this was 8 years ago. She then told me I would have to contact my bankruptcy trustee, and have them deal with it. I informed her that I had been discharged since 2005, and they needed to confirm the last date of activity, and adjust the date accordingly.

Equifax - Faulty Address- I called Equifax and notified them that there is an address listed in my "past residency" information that is fault. It is located in a state that I've never before visited. I called to inquire if this faulty address is related to the fact that the credit score they are displaying for me is about 80 points lower than the other two reports. It seemed too much of a coincidence, although it's a possibility that the faulty address may have just been mistyped or accidentally included. However, there is also the potential that this may be an identify theft case.

Regardless of truth, regardless of documentation and regardless of sheer impossibility, Equifax has continued to report completely false information on my Credit Report. I have spent the last 3 years dedicating my time and resources to simply get this sorted out. I have no debt, whatsoever. All my accounts are PIF for over two years, with 0 balances and closed accounts. These same accounts are 120 late, right now. At $1,000 error (all documented), Equifax is looking down $1,000,000.00 lawsuit before damages. I have been turned down for everything. I paid cash for my car, enough for a down payment on a home.

Equifax had misspelled my name. I opened a dispute and provided them with the information they needed (drivers license, etc.) to correct the name. Even after sending them all the information they asked for, I keep getting a rote email asking me for this same information every week. Finally, after 2 months, they send me a mail saying that the investigation is complete and that I can view the results on their website. However, when I go to their website, I go through the process of entering a ton of personal information and at the end I get a screen saying that there are no pending investigations. Where the heck are the "results" of the investigation? Maybe they expect me to pay to retrieve the credit report? Just because they are an oligopoly doesn't give them the right to provide such sloppy service. I would never willingly do business with them again!

My son's mortgage was showing up on Equifax and Experian. We called Experian and they saw right away it was not my husband's social security number and removed all in a day. Transunion did not have it on my report. When I contacted Equifax, they said they don't see socials and can't fix it without sending a request to creditor. Now, I get a letter in the mail with no phone number to call saying they are unable to locate a credit file and want us to mail copies of social security and driver's license. How can they not locate a file when I have a copy of it? I am not comfortable sending social security number and driver's license in the mail. Help. How do I continue from here?

I called to cancel my account before the free trial ended. I spent half an hour on the phone with a lady who barely spoke English and could not understand me. She tried to sell me more products. I told her I simply wanted to cancel and not pay for anything. She told me she had cancelled my account. Now, I have received an email from them with information. Six days later, I logged on to find my account still active and I have been charged for the service. I called to complain and was told there is no record of my cancellation phone call. There is no manager available and I will have to raise an online dispute.

Our consumer proposal is paid in full and the 3 years was up at the end of January. We need to buy a car and need a good credit rating. We called Equifax and were told the "public record" had been removed but the individual creditor reports with R7 ratings were still on our credit record. My husband and I asked to have them removed and were told it would take 3 to 5 days. It still hasn't happened. But we have spent hours on the phone with agents in their call center and they have told us they need documentation, which we faxed to them at the number we were given. They have not received the documentation. Oh yes, they found it, no they haven't got it, etc.

Trying to find out about a charge on credit. First rep said she could not help because she could not find information without account number. I explained I had the amount and name on account. She asked what was the problem. I explained again this was not my charge. She said, “Why are you calling if you don’t have all information?” I explained this was all the bank gave me because it was all they could see. Also, I ask her how could I get more information. She said I don’t know but I can’t help you. I was trying to ask her another question and she said to call back before I could get entire question out. Then I asked for supervisor and she refused 4 times. I ask for the 5th time and she put me on hold for 5 minutes. The other person was also rude but once I told her to just give me the complaint email address, she finally said she don't see a charge for that amount and would send me out a credit report. This is insane and something needs to be done about it.

Equifax's Identity Theft premiere package was purchased so that my wife and I had $1,000,000 in identity theft insurance. We have no idea as to the terms and/or limitations of this insurance and could not find anything online. We called Equifax's Customer Service number three (3) times and could not speak with anyone who speak English clearly. We agreed to take their telephone survey, but it never came on for us to take. The biggest problem: If someone does compromise our bank accounts or credit cards, etc., who do we call to get our insurance? Certainly not the non-English speaking people we tried to speak with at their Customer Service Department.

I disputed an incorrect item on my Experian report over 3 months ago. I was told all of the other agencies would follow suit, not Equifax. I have attempted to dispute the item on their website 6 times, but each time I try to submit it, I get a system temporarily unavailable message and they are sorry for the inconvenience. It has a link to email the info, which I have done 4 times. Still no response. I called them and I am getting nowhere. The guy told me I need a 10-digit number, which you'll get if you file a dispute. I don't have this because it won't accept my dispute! I then tried to just cancel my account as I am getting nowhere with this company and they don't feel the need to help me. They only care about getting my money, not about making sure their information is accurate.

I too had trouble obtaining my free credit report being routed from annualcreditreport to Equifax. I finally found this link, and it provided my report for free. It might depend on your state, not sure. Hope this helps someone else.

On December 27th 2011, I requested my free annual credit report through the Annual Credit Report toll free number we all get directed to.

I just got my free annual report from Equifax. I disputed an inquiry made by GEMB (GE Mortgage Bank, I presume) that I didn't authorize but is shown as being authorized by me. I have never had any contact with GEMB in my life and made no applications for credit any time within months of the reported inquiry. When I have disputed items like this with Experian, they have contacted the creditor and in every case, have thoroughly researched the dispute and either fixed the item on the report or given me a reasonable explanation of why the item is on the report - every time!

I have tried to get my credit report from Equifax online as well as sending in a letter. Every time I try to get my report I can't get it not unless I go through Equifax monitoring site and I have to pay every time. That is the only way I can see my report! I had this problem sometime back in 2000 and I filed a complaint with you because they wouldn't release my credit report.

My score was at 620. I paid off 5 things on my credit report. My score never changed. I notice it was saying that I still owe a car payment over 3,000 dollars that was paid off in 2011, something from Lane Bryant 731 dollars, that it was not mine. Then on Jan. 27, 2012, I notice new account was opened up saying I owe 198 dollars. This put my score at 584. I told them that was paid off. Now, today, Jan. 30, 2012, 198 dollars was taken off, but my score is the same. It is telling them my mortgage is hurting my score. I don't have a mortgage; it always said 0 on equifax. They're saying I have insufficient credit on my report because they took everything off, insufficient information about revolving accounts, that because they took it off, because it was paid off long time ago or it was not mine. Can someone please help me?

I have had a fraud alert on my credit for some time now. I have never had a problem opening up lines of credit in the past. I applied for a credit card recently and called to check on the status. I was told that there was no telephone number on file to verify my identity and that I had to call Equifax to straighten it out. The lady at Equifax wants me to fill out all this paperwork and fax them copies of my SSN, driver's license and copies of two current bills and sign a form letter asking to add my telephone number. After speaking to 7 managers and throwing a raging fit, they finally added my number on the phone. Not a good way to do business and they should be ashamed. Somehow their system dumped my telephone number so I wound up suffering and losing my ability to get free bags checked in with United Chase Visa because it wasn't approved on time.

Apparently, Equifax does not remove all Chapter 13's after 7 years! There are stipulations. And if you do not meet them, Equifax will remove the Chapter 13 after 10 years. Who knew? I guess I should've filed a Chapter 7 and not pay any of the creditors back if I knew I would receive the same penalty. Transunion & Experian have removed the Chapter 13, but “good old” Equifax is going to penalize me for another 3 years. I do not think Equifax should be allowed to make up its own rules. There really should be some laws that govern consistency between all 3 credit companies.

I see so many complaints about Equifax that it's sickening. By far, Equifax is the worst of the big three. The biggest problem that I see is there is too much complaining by consumers. You have the right to sue Equifax or any credit reporting agency. The fact that so few consumers are suing provides a big incentive for Equifax to continue with their profit schemes. Tips:

0 stars... I signed up for the intro of $4.95 for the first month. I called 2 weeks later to cancel. I was transferred to an offshore call center. The woman had such a heavy accent that I could barely understand her. She kept going on about the product, and she convinced me to stay on for a reduced rate. She asked for my card info and said she needed to confirm and said my new billing date would be January 29. Then she said, "Okay mam, I just charged your card for the $12.95 and your new billing date will be February 13." I said, "Why did you charge my card?"

I believe Equifax is engaged in a complex form of extortion, where they hold the creditworthiness of consumers hostage while making millions on monitoring tools and programs designed to help "improve" the score over which they have complete control. There is no way this is not a conflict of interest.

0 stars. Ignorance isn't bliss when it comes to their operators. My first cc in 2000 closed in 2001. 12 years ago. Removed from everywhere including Equifax site. Yet it still shows on Equifax when pulled up from a third party. I can't dispute it on their site and their ignorant operator says I have to contact the company and get a letter that it was closed in 2001. Are you **? It shows that right in front of you! I have it right here from freecreditreport.com. Same ** thing and the ** sounds like she's on drugs and just cant process that. My God, I hate people.

Equifax is the most difficult company to work with. When you call a number in Atlanta and you happen to get through, they quickly transfer you overseas to people that can only read a script. No matter what you say to them, you get the same answer back. I admit that I had some problems in the past but have taken great steps to improve my score so my wife and I can build a house.

First, let me say the one star rating is only because not selecting any stars is not a valid choice when filing these reports.

What a joke, Equifax. They just sent me this email: "This e-mail confirms your cancellation of your Equifax ID Patrol service." When I called, the service is horrible. Truly, it can't be worse than talking to a tree. They don't listen nor understand what you're talking about. The service is so bad. It took 35 minutes to get someone to agree to cancel the service. I will never do business with this company again.

I called on 9/22/11, 11/7/11, and 12/14/11 to cancel this product. They still keep charging my credit card! Their systems are a mess, and I've spent hours on the phone with them to get this fixed, but they still keep charging me. How can they detect fraud, when they can't even get their own systems to work? I've lost time from work, and have been stressed in trying to get this done.

I have disputed numerous accounts as to incorrect, not mine, and Equifax is just allowing the collection company to verify my name, SS number, and address and whatever amount the collection company says I owe. The original company removed the accounts as they can’t verify the accounts, so why does Equifax allow collection companies to continue to report false unverified accounts on people’s credit reports?

If there were a no-star rating, they would get it. I have been trying since November 28, 2011 to get a fraud alert taken off my credit file. The alert was initially recorded by Transunion but upon the transfer of information, Equifax did not pick up the contact phone number (mine). I sent a fax on 11/28/2011 to the fraud department to get the alert removed. They received my documentation on 11/30/2011, scanned it to my file but did nothing to remove the alert. I called in this morning to the fraud department and was on hold for 45 minutes waiting to talk to a live person. As expected, he, Michael, could not take the alert off but had to forward a request to the Maintenance Department. We are trying to buy a motor home and the loan has been denied due to the contact number not being recorded on the fraud alert which was supposed to be removed on or about 11/28/2011. Due to their non-action, the past several weeks have been a nightmare.

On 11/30, I contacted Scana Energy to transfer my existing gas service to my new residence. I was told by customer service that I had a balance of $46.00 and would need to pay a security deposit of $150.00. When the customer service attempted to process my order, an Equifax fraud protection alert came up and I was asked to answer four questions. I'm not sure what the questions were in regards to but I failed and I was asked to contact Equifax. After reaching Equifax and being asked a few ridiculous and vague questions, such as, “In the past 10 years, have you defaulted on any bill that would result in a creditor reporting you to Equifax? I was told I could not be verified and would need to submit additional information to update my file. I was directed to fax my documents to **** which I did on 12/1. I was told to allow 3 to 4 days to have my file updated and that it would be an additional 3 days before Scana could see the updates and validate my information.

I cannot sign in, I can never sign in! I am tired of trying! If you cannot make it simple, please cancel everything. Thank you.

The worst service I have ever experience. I tried to put an alert on my credit card because of fraud but the offshore representative has no clue about Canada and as an added bonus hung up on me. Seriously is it worth to get cheap labor for no protection.

Although the credit alert product almost works too good, online password help is worthless. Their online help panel does not work for me. I've complained twice and no response. I've had to ask for password resetting help twice and each time got a worthless offshore help desk that couldn't send an email or tell me the wrong new password. Each time, I've had to demand to talk to an American (Federal Mandate when doing business based in America) after first being refused. They obviously don't care about customer concerns. I am going to try again in a month and if the panel doesn't work or I get the same worthless offshore help desk, I will switch to another credit reporting service.

Equifax has confused my credit history with a person with the same name. This has been going on for over 5 years and every time I get it straightened out, they mix it up again.

Equifax is currently reporting a fraudulent Capital One auto loan in my credit file. I have provided this company with a copy of the police report in which the account was established fraudulently; however, Equifax continues to report this fraudulent account in my credit file.

Equifax keeps charging me for a service I cancelled before the free trial ended. I have repeatedly called them, and sent them what they asked for and still they will not refund my money and stop charging my account.

I have a permanent medical disability and on credit counseling because of it. I was told by Equifax and confirmed by TransUnion that after my program is paid in full, I will be punished and penalized another two years. I totally disagree with this. Further, Equifax informed me that they just transcribe the credit rating and it is up to the creditors to deal with this problem. Equifax and TransUnion place everyone in one box. If you have a valid reason and pay off your debt, I should not have to suffer a further two years of humiliation.

This situation is really frustrating. I have a twin brother and we have been sending in information for years. Our social security number are about the same, except one number. They are continuing to put his item on my credit. I have gone to Big Car a lot and tried to get a car but they won't approve me because my brother's cars are on my credit and they are not putting on his. They got his house on mine and not his.

I cannot get anyone on the phone to dispute an item at Equifax. TransUnion and Experian updated/amended my credit scores a year ago to reflect the deletion of the adverse/incorrect information and my scores with them are 809 and 807. Equifax refused to accept my dispute paperwork. I cannot reach anyone at Equifax.

Equifax's "Identity Verification" leave you potentially open to the identity theft, it purports to protect you from.

We filed bankruptcy and had all of our debts included in the bankruptcy. All of our debts showed a zero balance and included in bankruptcy status or were simply deleted. But this one creditor, Zenith Acquisition, still shows a credit card debt from 2008. Our bankruptcy was filed in 2011, so we disputed it with Equifax. We sent proof that the debt is included in bankruptcy and after 3 disputes, it still says we owe this debt. They (Equifax) keep reporting that the creditor confirmed the debt is being reported accurately. I sent them proof. The Federal Bankruptcy law requires them to report it as included in bankruptcy and as zero balance. They still keep reporting it. Also, the contact information of this creditor that shows on the credit report is not valid, the number is disconnected. I googled them and called them. They said they don't have this debt anymore. I said, "well then, report it to my credit as such". They said, "we can't report anything, we don't have this account". I said, "well, tell that to Equifax". This is a nightmare.

I was told today by Equifax that "paying down your account balances can sometimes decrease your credit score". Apparently, I am confused. I was always made to believe that if you pay your bills on time and at least the minimum payment, you would increase your credit score. With Equifax that is not necessarily the case when they "score” credit files. I called Equifax and after 1:36 min (when we got disconnected), I finally spoke to a supervisor.

Equifax, now Epsilon Targeting, gave medical information on me to Acurian, a company who solicits humans as guinea pigs to try new drugs on. How they got ahold of my medical records is beyond me, and I believe not legal.

This company is impossible to get a hold of. They have erroneous information on my report and I am having a difficult time just getting my report to reflect the truth. I think they need to be investigated as they have far too much power of the average American's life and livelihood.

The third party company that solicits people to subscribe to Equifax credit monitoring appears to have been compromised. I was a longtime customer of the company until earlier this year. I recently noticed a charge on my credit card for Equifax. Knowing I had canceled their service, I immediately called to find out what was going on. I was advised that someone had obtained my credit card number and obtained credit information on three different occasions. I was advised the credit information was not mine, but someone else, but my credit card and old Equifax account was used to obtain it. The company agreed to refund my three charges of $14.99, but would not tell me who used my card. They stated I needed a police report and they would provide me or the investigator with the information.

I was applying for a mortgage refinance. Equifax showed two old credit accounts (Regions Mortgage and Dell finance), which had been successfully closed in good standing (no credit balances, outstanding or missed payments and et cetera) by me in 2003, but Equifax showed it as being in dispute. They said the other credit reporting companies (Experian and TransUnion) showed the same. I pulled both companies’ reports; they did not show any disputed accounts, and showed that both accounts (referenced above) as closed in good standing. I called Regions and Dell, and both verified I had no outstanding problem. Both companies said they would notify Equifax to remove the “disputed” label.

I have been on hold for 10 minutes. The Asian sounding girl would not let me speak to her supervisor and she won't give me her ID number. She won't help me with the issue I have that someone other than myself ran a credit report on me and my spouse for student loans through Chase bank. The girl told me that I'm not able to answer her questions fully. I am disabled and on medications.

I had similar poor experience trying to get free credit reports from both Equifax and Trans Union. Since I got there through the Federal Trade Commission's website, I thought I could jump through all of the **, but not really.

Transunion, Expirian, and Equifax, even though I paid my debts in full more than 120 days ago, they are not showing clearly that I did. I am not asking to erase or delete the history. I am just asking for them to be totally clear that I paid already! The 3 entities are worse than the real problem. They are not clear at all about how one is paying!

I went to Equafax for free credit score and somehow ended up on Score Sence web site. I was charged 29.00 dollars having been deliberately lead to the site. I contacted Direct Express and was told that the only thing I could do was cancel my card and apply for another. After, the Direct Express agent told me exactly what transpired.

I do not have a physical address for this company, only the phone number on my bank statement. I am being charged a $14.95 fee by Equifax for their services that I have not authorized. I called and gave them my information to dispute this claim and they said that they have no record of this transaction. I am very confused so they asked me to fax them a copy of my bank statement showing them these charges.

I lost my security freeze pin. I have provided 3 times a written request via registered mail, all the documentation they request to get the pin and/or a replacement pin, to no avail.

I was dealing with the three top reporting agencies. The 1st time was last month. On June 2, Equifax reported my credit score from 756 last month to 616. And they indicated they could help me build or repair my credit report. Since when does a reporting agency have the ability or the promise of repairing ones credit report? Not to mention, the 7.95 1 time report turned into 3 quantities. The 24.99 charge was debited from my checking account.

Equifax started to charge me $6.95 every month after I bought a credit report for a one-off fee of $5.49.

DGM Financial Group, Inc. of Miami, Florida collected $100 from me, to settle two accounts, on behalf of Florida Phone Service, 8/24/2007. Equifax deleted the information from my credit report on 8/31/2007. Florida Phone Service went out of business in its entirety on 11/21/2007. I checked my credit report in 7/2010, and found DGM Financial Group, Inc. filed one of the very same debts I paid in 2007 on my report in 6/2010. They claimed the date of 1st delinquency was 2/2010, and Florida Phone Service assigned the account to them 4/2010. I disputed the claim for several months, because they refused to delete it from my report. Finally, I actually heard from DGM's, so-called Peter **, for the first time, in a letter dated 10/15/2010, stating that the information place on my credit report is accurate, and if I continue with these frivolous disputes, that they would add fees to what I already owe them.

I have a credit score of 800 and above with the other credit bureau. I have had no changes to my accounts, I pay my bills before they are due and Equifax keeps lowering my credit score 684. When I called the company they said there were changes to my account. So I ordered my credit report and there were none they could not explain. This is messing up my credit can you please help. It is affecting my credit.

I went to the Free Credit Report site to get my report. May 14, 2011, I received a letter from Equifax requesting that I send in proof of address, with photocopies of any of the following 2 pieces of info: Social Security number, W-2, utility bill, driver's license, pay stub or lease. No fax, but they want this info sent to a P.O. Box. I have great security concerns with this method and believe that this could be a form of identity theft. If they are aware of the public's concern regarding their verification methods, it may discourage from many people from going further. I have had issues with identification theft in the past stemming from ten years ago with another resident of the apartment building I lived in (who was a male). This has resulted in getting debt collector phone calls asking for this individual and problems from DishTV insisting that I was the person they were looking for. Loan requests and inquiries were also showing up on my report, which I disputed. It is still causing problems.

I am in the process of getting my home refinanced. The mortgage company requested that I have a consumer dispute comment removed from my credit report. I started the dispute with Equifax and called my creditor AmeriCredit. My creditor stated that they would just delete the account from my credit report and they mailed me the letter stating that they did so. Experian and TransUnion no longer show this account so I know that my creditor did request for removal. When my dispute results arrived, there is no change in the disputed account.

I do not know if your company checks into credit reporting companies, but I feel the impact they have on the average American is way to vast to overlook. Here are some reports of my credit constantly going down, on a card that I was recommended to by Equifax to help fix credit. It has only a max balance of $500. Keep in mind during this time, I had a judgment removed for $6000, have opened no new cards except for this one in over three years. I have paid off all other cards to zero balances, except one, that shows the payment now at zero. With no missed payments. (Of course you will have to accept my word, unless you need proof at a later date, I won’t include that now due to the nature of this) Those other cards reflected in my credit score when I joined this company for monitoring scores, this is just the last year. That I am sending here. I know these kinds of complaints are too hard to clear up on an individual basis.

I am in the process of getting my home refinanced. The mortgage company requested that I have a consumer dispute comment removed from my credit report. I started the dispute with Equifax and called my creditor (Medical Data System, 128 West Center Ave., Sebring, FL 33870-3101, Account ***, phone 866-631-4680/ ask for Gary)) to respond to the dispute quickly. My creditor stated that they would just delete the account from my credit report and they mailed me a letter stating they did so. Experian and Transunion no longer show this account, so I know my creditor did request for removal. When my dispute results arrived, there is no change in the disputed account.

I placed an online security freeze against my credit reports to prevent unauthorized credit checks against my account. Now, one year later, I need to remove the freeze in order to obtain telephone service, and other utility services. However, I am not able to do so because the passwords that I have are no longer valid. I cannot reach anyone on the phone and there are no online options which actually work.

I have been a victim of identity theft numerous times and I saw an account on my credit back in April/2010. So, I called all the credit reporting agencies. TransUnion investigated and so did Experian and Equifax. TransUnion didn’t remove it. They claim they needed more information, so I sent that to them and so did Experian. Long story short, those two credit reporting agencies removed the account. But 2 months ago, Equifax put it back on my credit claiming that the company said it’s mine

Equifax has incorrect information on my credit file. Was told by a creditor that my mortgage payment was 4 months behind. I am up to date is what I told her. I also said, I will give Equifax a call and tell them to update but you cannot get no one on the phones. They never answer.

I have been disputing my report for months with these people online. They might fix one thing then it comes back with things that weren't wrong to begin with. Right now, there is a new item as of last month that they did yet I cannot speak to a person the phone even with the report number and I keep writing them that I am writing their CEO. This last one, they ignored it. They assigned it a number and then do nothing. They hid it. They did not even know the rules of the FCRA. The things they are doing are against the rules of the FCRA. That's all they have to do is know what they are doing and there would not have to be any investigation as it is all right there in the credit report.

My credit union pulled my Equifax credit report for a loan on October 2010 and noticed that it did not contain a credit score (Beacon). It had numerous inaccuracies when I took the one I ordered from them on November 2010. I called them and she said, "We have our own score and you do have one." I questioned why it was not provided to my credit union and she was silent. I asked to speak with a supervisor and was placed on hold for 23 minutes. When someone finally picked up the line, they hung up.

The phone representative was very high pressure to get my credit card number and sell me the report and a monthly fee for monitoring, and would not tell me that the fraud alert was placed on my file, just kept insisting that I give him a credit card number. Just ridiculous. I still don't know if this guy in India placed the fraud alert on my file as requested.

They claimed that they did not receive our mailed-in request for credit report. Do not believe them. We had the same response as both my wife and myself and also had the same response from TransUnion. I can't believe that both these organizations did not receive the mail. These people are corrupt.

I am/was trying to purchase a property. My mortgage broker attempted through Filogix to obtain my credit report. They were, and I was unable to obtain it as there were two files in my name. The one file had my birth date adding 40+ years to my age. I was informed in broken English to just fax them my drivers license and credit card and they would "merge the files" lmao. I said that they obviously had someone else' s credit history and there was no way that I was giving them permission to merge it. In fact, now I had found the woes of my previous credit problems that I thought was fraud and paid to "clean" up my credit report before.

I'm going to work my way backwards. Violation of the "Identity Theft Protection Act" of North Carolina, Fraud, Unfair and Deceptive Trade Practices.

On August 22, 2006, the NYS Department of Taxation and Finance mistakenly filed a tax warrant (lien) for $1,046.03 against me, as recorded by the Rockland County Supreme Courthouse on 08/2006 (case ID # 200644741). However, when I became aware of the tax warrant, the error was brought to the attention of the NYS Department of Taxation and Finance. I have the letter from the NYS Department of Taxation and Finance that shows the tax warrant was vacated (not paid) on February 22, 2007, as recorded by the Rockland County Supreme Courthouse.

In 2007, Equifax made several errors in my credit file and it took 1-1/2 years to correct after numerous attempts. In 2009, I placed a security freeze on my file. Today, I spent 2-1/2 hours on the phone trying to unfreeze my file. They only have an automated response system. I tried for 2-1/2 hours to get it done. Each time I enter the information, a recorded voice came back and said, "This transaction cannot be completed. I tried 6 different times. Once it said, "Wrong information.” Once it said, "Credit card rejected.” Once it said, "Wrong address.” Now I'm pretty ticked off! I'm trying to rent an apartment and they can't verify my credit! I did the same thing with Trans Union and Experian and it took less than 10 minutes, period!

I cannot find any dispute on Equifax online and when I called, they hung up on me.

I sent in a complaint about my report of credit was wrong in several places and they can't even spell my name right. All they do is keep sending me e-mails and letters asking for more of the same information I submitted in the first place. This is about the most dinky dink place and they call themselves a credit reporting agency. I wouldn't even call them an ad company, let alone a credit reporter at all. They are the worst of everything. They call reporting of credit, no wonder people credit scores are so low and get refused credit because of this dinky dink place.

I am unable to get my free credit report from Equifax for free or at all. I attempted to get it online at www.***.com. The other companies on the website, Trans Union and Experian instantly granted me access to my credit reports. Equifax did not. The site simply gave me a message that I would have to send in an application with my copies of my drivers license, social security card and utility bill before they would grant me access to my credit report.

Equifax keeps running credit checks on me every 2 months for no reason. This is hurting my credit scores. How can I make them stop?

I'm unable to obtain free credit report and I absolutely refuse to fall into the same trap of paying then never receiving the report. I am unable to complete requirement of checking or disputing incorrect reported credit information.

I reported a dispute to all 3 credit reporting agencies. Equifax said they’re 'confirmed as valid' and the info remained on my credit report. Over the last 6 months, I have repeated the same request with Equifax and each time, they state that the information is 'confirmed' and has reduced my credit score.

Equifax Monitoring Alerts keeps texting on my cell phone even in the middle of the night! I want this to stop now! I don’t want to be contacted anymore. Leave me alone please or I will contact my lawyer! Stop and leave me alone! Not even through my e-mail either.

Always just a matter of time until Equifax merges other ** information with my records and takes months to clear; truck driving schools in Minnesota, child support in Arkansas, stores across the US with closed SS no., and all ages of users. I'm in mid 50's and Equifax has frozen my files and allowed other individuals to use my I1 and R1 credit that a lifetime of financial stewardship has allowed. Opening the files for mortgage or car loans put me back in the fraud search again. Countless thousands of dollars and now marriage loss is inevitable due to stress and medical records from others killing my credit scores. Why do they merge accounts and why do they send/mail me other people’s files that have no obvious connection? Have they sent my records to other folks as well?

Equifax has run my credit by putting low credit score due to GE money closing an account because I had miss one payment 2 years ago. I had paid GEMB/ Lowe's off several times and had a balance of $110.00 and they closed it. Then Equifax lower my credit score by almost 15 points. I have no other negative thing on my credit report but that. The other credit bureau did not do this. What can I do? I can't get a business loan I was trying to get and I am just sick about this since I have tried so hard to have good credit. On other credit bureaus, I have credit scores of 660, 680 and Equifax just lowered it to 597 from 650.

I am a victim of identity theft. Accounts were opened in my name with my driver’s license, SS no. and DOB. I called the fraud departments of the credit card companies. I filed a police report, I put a fraud alert on my credit, I sent back fraud paperwork to credit card companies. Equifax told me once I sent the paperwork in with the police report to the credit card companies, their own fraud investigation would reveal the fraud and my credit would be fixed. Instead, I just got a letter saying that Equifax has verified that the credit card is in my name. That's why it's called identity theft! And they see no fraud! No fraud? What? Someone in another state has $5000 worth of stuff from Best Buy and my credit is dropping while I am trying to get a mortgage.

888-826-0573 is a fax number. Equifax refuses to provide a phone number or to fully identify themselves. Equifax has unfair business practices and continues to knowingly publish incorrect information damaging to the consumer. Hazel of Equifax falsely generated a "dispute" and created a false credit account in which to post a "disputed" status.

The Fair Credit Reporting Act (FCRA), with amendments up to and including the Fair and Accurate Transactions Act of 2003 (FACT), directs that once a year, each American be provided access to his credit report from each of the three bureaus. This federal law also states that if requested, online access to the credit report must be given, "A consumer may specify that disclosures shall be made by electronic means, if available from the agency..."

Equifax is publishing my credit report. Knowing the information is incorrect, they are posting additional incorrect information in retaliation, and they are causing my refinance loan to be denied. I encourage all victims of Equifax to file complaints with the Fair Trade Commission. They have been sued before for their so-called business practices. They should be shut down, as they continue to thumb their noses at laws and regulations. The complaints don't change, why are they allowed to continue victimizing the public?

Complaint is regarding inaccurate information on my credit reports from all three agencies (Experian, Equifax, Transunion). Both companies (Capital One and HSBC) are reporting 'derogatory accounts,' that were 'included' in my chapter 7 bankruptcy, which has since been discharged October 2007. I filed three inaccurate reporting statements between February and April of 2010 with all three credit bureaus, through my credit reporting subscription service, 'Truecredit.com. ‘They (Truecredit.com) in turn, sent an email to the Three Credit Bureaus to 'remove' the derogatory reports from all three credit reports.

Equifax continues to report a tax lien against me. The documentation has been provided to them that the lien was recorded in error but they continue to state that the lien is correct even though they have the document number and form that states that the lien was recorded in error. I have been fighting them for over a year. They continually hang up on me.

I was told that I had to send in identifying documents to remove a fraud alert off my file. I sent in all documents and was told that I had to wait 3-5 business days for it to process. I have contacted Equifax several times regarding my information that was sent in only to be told they have not received it. I am totally frustrated.

Equifax allows you to easily sign up for their credit monitoring scores and services on their websites. However, when you decide you want to cancel your services, you are required to call their customer service line, and talk to someone in person. This involves going through a series of line prompts, and listening to ads all the way touting their services, and how valuable they are. Then, when you actually get to a person, they spend 15-30 minutes trying to talk you out of canceling. When I called to cancel, after 15 minutes of listing all the ways their service helped me, then they offered me interim 'offers' of a month for free, and then a reduced price multi-month offer.

For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from TransUnion or Experian. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must "request my free credit report via postal services." I still have not received a report from them. Will the FTC ever do anything about Equifax not complying with federal laws?

I attempted to get my credit score from a "free" online service, Equifax. The terms and conditions were if I did not cancel within 14 days, they would automatically charge $14.95 a month for their service. I was never able to get my credit score so I cancelled the next day. For two months, I have been charged for their service. I called their number to cancel the service, I was told I must submit my cancellation in writing and supply them with my private information--S.S.#, all open accounts with current balances, maximum charge limits, etc. I do not wish to give these information to some unknown person who sounds like he is calling from a foreign country like India. When I asked to speak with his supervisor, I was placed on hold for over 30 minutes until I finally hung up. I called my credit union and cancelled any future payments to Equifax.

Due to the false and inaccurate credit report and score from Equifax, I have been greatly damaged. The score of Equifax is 70-100 points lower than others at the same period of evaluation. I don't exactly if it happened only to me, but any many other people too. Although I have requested to fix the wrong information and score by the written mails and phone calls too many times last three months, the problem never be fixed. Moreover, the customer service people wisely approached to sell the unnecessary membership which never be refunded whatsoever.

This Agency gives out false information and low credit scores. They have terrible customer service and the Controller of Currency should put them out of business for all the damage they cause. Put our a report based on what they consider are loan limits. They don't even know me or all the net wealth I have, so this is totally unfair and downright slanderous.

I tried to dispute some items on my credit report. I am unable to view the results, I contacted them (not VRU system). When I did get through, they refused to provide my results, instead they just focused on gathering further information. I have not used credit in 6 years (or so). I am unable to secure my grant funds (300K) because of these issues. Equifax has ended my time to respond without providing the results of my dispute.

Equifax placed a judgment on my credit report that's not mine. I asked Equifax to fix it, Equifax told me to fix it. Equifax accepts no responsibility for what they have done. I have been denied credit many times and didn't know why, until now. I must take legal action for Defamation and/or Negligent Enablement Of Identity Fraud. Please advise.

I have been trying to contact Equifax about a "blocked" credit report. I am trying to obtain employment and the agency is attempting to obtain a credit report on me to process my National Security Clearance. Upon contacting Equifax, they have told me that their system is "updating" and are not able to assist me. They keep telling me to call in one hour and try again. I have been doing this for six hours now, to no avail.

They were unable to grant credit due to a credit report obtained from a consumer reporting agency Equifax. Under the Federal Trade Commission’s Equal Credit Opportunity Act, it prohibits creditors from discriminating against credit applicants. I have excellent credit score of 745. The Federal’s Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race color, religion, national origin, sex, marital status, and age.

I applied for a loan and my credit report came up with a Tax Lien; after checking into it, it was discovered it was something the IRS initiated in 1999. I contacted them the next day and they said that there was no lien against my name any longer. I contacted Equifax and told them, they said it was out there and to contact them again. I called the IRS department and explained again what Equifax said and they said that it was released, to go to the County Courthouse in my county and get a copy of the document and send it to Equifax. I did that and received in the mail, 30 days later, another dispute form from Equifax stating the lien was still out there.

ORNL run this credit check on me through your company and I asked them for a copy which they sent to me. After looking at it, I find that my information is very outdated and the PO box ** never belonged to me. I think it belonged to Jerry my ex, which he passed away on Sept. 9, 2009. There were other names of businesses that were on there and I don't have a clue as to who they belong to. So I need someone to call me and explain this report and hopefully get it updated. Because of all of this negativity on my report I was unable to get a credit card for $1500. I now work and have bee working for E. TN. Technology Access Ctr., Inc. since Jan.15, 2005 as a bookkeeper and this isn't even listed on the report. Please help me get this mess straightened up.

When I requested a free copy of my Equifax credit report I noticed they had my mortgage listed twice with all the information the same except for the start date. I wrote them April 28 pointing out the duplication. I was told it could take 30 days to rectify the situation. At the 30-day point I received notice stating the investigation was complete and they updated the amount due on my mortgage and nothing else. Yikes!

I had a fraudulent billing error from a physician 4 years ago. I requested the physician bill appropriately, this was never done. I submitted a request to the state of Washington to review the physician's billing practices. Because I disputed the bill and did not pay it, the lab turned the bill over to collection this last fall. I paid the item off in Jan 2010 to get it off my credit report. I let the collection agency know the billing should have been "preventative", in which case my insurance would have paid 100% as the bill was part of my yearly physical.

I ordered my credit report in 2010, and noticed that almost all of my credit history was missing. I called the company, and asked where did everything go? She said everything was outdated, and was removed, and I explained to her, by doing that, you made my credit report look like I have only had six years of credit. I am 61 years old, and have had credit, since I am 21 years old. They managed to take off all the high amounts of credit I had, and left an old credit card from 1978, with a $300.00 credit line.

Because I was unable to ever get through to Equifax, that's the credit bureau Equifax, I decided to join their monthly service. I still can't get in touch with them and they sold my email address to every spammer in the world. By law, they have got to provide you for free a credit every year as do TransUnion and Experian. These companies do whatever they want and nobody has any control over them. They hold power over every American citizen and we can't even contact them.

Last June, my wallet was stolen. Unfortunately, I had my adult age children's social security numbers on a slip of paper. We were advised to put an alert on their social security numbers at a charge of $14.99 per person (five people). There had been no problems so we decided to cancel it December. This is not possible. The alerts come to me on my email for all of us. We are unable to cancel without each person calling separate and having the right information. They did not even know this alert was on them. It took until June when we finally canceled by calling and pretending to be the person to cancel it.

I have credit cards (revolving) from Citibank. On my statements and online, it clearly shows that I have available credit. Citibank is reporting credit info to Equifax, that I have "0" credit. Because of this, Equifax is reporting that my available credit is -$48,841.00 and debit to credit ratio of 525%. I have made several disputes to Equifax and each time they report back as completed and "this creditor has verified to Equifax that the credit limit is being reported correctly". This is destroying my credit score, and talking to Equifax in the Philippines is useless. Can you help? My credit score is being destroyed because of Citibank and Equifax reporting.

I have a copy of my credit report and Sprint has me down as a collections debt but I never had a Sprint phone in my life. This has damaged my credit. Please have this corrected as soon as possible. Thank you.

I went online a couple weeks ago to get my free credit report. When it came to Equifax, I was automatically denied a free credit report. The Equifax site stated that I had not met the waiting period which was odd, since it had been 2 yrs since my last free credit report. I was only able to retrieve 1 of the 3 and that one was for Trans Union. Equifax has sent me a letter stating if I want my credit report, then I will have to pay for it. I'm just trying to make sure everything is okay on my report.

Be very aware of who had your credit information. I had to freeze my accounts, which I did with the 3 reporting companies. Now the problem is that I need to temporarily unfreeze my account with Equifax. I kept receiving an error that more information was needed when I tried to unfreeze the account.

I have tried for 2 years to get my free credit report from Equifax and when I submitted my request online, I continually get a statement saying I have already received my annual report, when in fact I had never been able to access it from the previous year. When I called or went online and tried to get it because of denied credit, they tried to charge me $10.00. I thought that Federal law required them to provide this report? They use the same story every year so they do not have to provide it. By not being able to access my credit report, I have been denied credit to buy a home because of some information the bank told me that was on the report and I have no idea what it is. This denial is completely the fault of Equifax.

I have been a member of Equifax Credit Reporting since 2006 & usually whenever someone accesses my credit file, I receive an email alert so that I can view the file request & see if it is something I authorized or something fraudulent. On May 1, 2010, my credit file was accessed by a financial institution but I was never notified of this by Equifax when that occurred. I found out today when I looked at my information on the Equifax web site & saw that credit request. As it turns out, this credit file information request was appropriate since I had opened an account with that financial institution but suppose I hadn't, I would have had no idea that someone used my social security number for a credit check which is the purpose of me having their credit monitoring service.

Where do I start? After reading some of the stories posted, I'm better off than some, worse than others, but we all share the same bottom line: Eqifax, which holds our future in their hands, is killing our credit with false reports. The problem started last year and I even went to get professional help to fix the problems on my report. My report was finally fixed and read fine in December of 2009, then February of 2010 the items showed back up on my report!

I applied for a loan and 30 days had gone by and I never heard of the decision on the loan. When I called the credit union to see what the status was they told me the Equifax had a fraud alert on my credit. I have been trying for the last week to find out who and how this got put on my report. The telephone number that's on their website for fraud alert is just an automated number. You can never get anyone on the line. There is no e-mail address to contact them. I need some assistance in finding a way to contact them in regards to this issue. The economic consequences is the credit union will not process my loan request until this fraud alert is verified. I can't verify anything if I'm not aware of it. In the meantime, no loan for me. I have a daughter in college and that loan was to help her out.

Basically, I paid for a credit record to be given to me straight away. After payment, I received an e-mail asking me for more details (passport copy and bank statement) which I scan and send on the same day to the company. And after almost 20 days, there is no answer and no credit record, Nothing has been done by Equifax, not even an e-mail. I have been told by the operator that it shouldn't take more than 48 hrs. After reception of the complement of information, can you explain to me why I am paying for a direct credit record and I have been asked to wait 48 hts? And also why after 20 days, I'm still waiting for it?

I called Equifax customer care to ask why I was charged $7.95 monthly. The system asked me to press #1 for English and #2 for Spanish--I pressed #1 for English. However, I went through a drill of questions in order to ID myself and so on (8 out of 10 questions I did not understand, because the English was so bad). I told the woman that I wish to speak to the supervisor. After a while, she came back again and she put me through to her supervisor. After three minutes waiting, the supervisor named Sony came on. Some service!

The people at Equifax are not helpful whatsoever. They have old information, do not have any of my installment accounts, (credit cards, car loans, etc) and are keeping our credit score down. They are not helpful when you ask to speak to management. They will not assist you in fixing your account but they are quick to ruin your life. I don't think their office is in the U.S. and its very difficult to get through to them. Because they are not reporting accurate information, they are bringing my credit score down. They are 80 points lower than everyone else. When our credit score is average, it hurts us in enabling us to get the best rates.

I went to Equifax to get my yearly free credit report and somehow got signed up for an additional extra monthly fee of monthly credit score, which I have never recieved. 5 months later, after being charged a monthly fee of $7.95, I went to cancel the service and they told me I couldn't because the information I gave was not matching and they wanted me to make a copy of my drivers license and social security card and fax it to them. I could also email this to them now.

I write with reference to the numerous mistakes that have been made by Equifax concerning charges that have been made to my Visa Card by Equifax that are totally incorrect. Equifax claim that my husband requested a service called Credit Watch in September of 2009, which he did not request, and as a result numerous charges of $12.99 and $14.99 were placed on my credit card by Equifax between October 2009 and March 2010. I disputed the charges via Wells Fargo Card services and as a result some of the charges were credited back to me. Again, I say neither I nor my husband requested this service, plus I have no idea how they obtained my credit card details as neither of us gave them to Equifax.

Equifax is a joke! On 3/5/2010, I went to a car dealership to purchase a car only to be told by the dealer that I did not have a credit score. I knew that information was incorrect because I had just purchased a vehicle and a motorcycle. Luckily for me, I had copies of my prior credit report. I typed a letter to Equifax and supplied them with all of the pertinent information. A copy of my identification, SS card and copies of the prior reports. Five calls later, I am still getting the runaround.

On my credit report from Equifax, there shows a person that I do not know, listed as David **, the social security numbers are very close. He has financed a car and it is on my credit report, which is not helping me in getting any credit, I would like to have this person removed as this poses as a problem for me, any help you can give is appreciated. Thank you. Not be able to get credit.

I really don't know what's the problem with Equifax providing all this incorrect information on my credit report and sending this information to other reporting agencies. This has made me get denied from companies where I have applied for credit. I only have three things that are supposed to be on my credit and all three are in great standing with payments made on time and earlier for some. I pulled all my credit reports from all three bureaus to find out why I was being denied credit.

I cannot believe it is this hard to talk to a human at this number. I was on the phone for 3-1/2 hours trying to dispute a report on my credit and all I got was a recording trying to sell me my credit report which I just bought,and wanting a confirmation number which I could not find anywhere. What do they do with people who do not have internet? This is the most difficult place to get hold of a human and yet they have the power to make us or break us and it takes 6 months to get in touch with a human! GOD help us all!

Today, I received a letter from one of my creditors stating that they're terminating my account due to derogatory information reported on my credit report provided by Equifax. I have never been late on any payments, had public records, liens or collections. Equifax has again mixed up my identity and credit file with someone else's. This will be the third time in six years that I've had to work with Equifax to correct my credit file. It's very difficult to work with them since they don't provide you a number to call and all correspondence must be done by mail. The entire process takes at least a couple of months to complete.

For 5 years, I have been trying to get my Equifax credit report and every year, I go through the same hassle. They have yet to fix my report so that I can get it online for free I.A.W. The Fair Credit Reporting Act, they have yet to investigate previously disputed items and I can never get any assistance. Frustration and denial of credit.

I canceled my Equifax account a month ago. Found a new charge for $14.95, on my credit card. I tried calling them twice to dispute the charge. And 2 times I was disconnected by the computerized phone system! I was told no more charges past February!

I recently was denied credit due to Equifax not reporting and not releasing any of my information to my creditors. I have had absolutely no problems getting my reports from TransUnion or Experian. I paid for my credit score through TransUnion, only to receive a letter a week later stating that they couldn't help me because Equifax wouldn't release any information to them in order to get my score. They advised me to contact Equifax to get to the source of the problem.

Got my credit report but Equifax personnel have quite a sense of humor or are completely illiterate. They have my name written very much like "Rosanna Danna Anna-D" When it is "Rosanna D". Can't get anywhere on the phone. Just recorded info and then disconnect. Online dispute doesn't allow for name corrections. Seems like the intentionally keep it crazy. What is really going on here? Seems like maybe their employees are organized gang members intentionally screwing up people's ID so that ID theft can happen. Obvious something isn't right and more than typos. Our government has not teeth and everyone knows it, and corps are jumping in. Heck, crime pays big.

I have tried to unfreeze my credit report with Equifax result was unsuccessful. I received a letter requested for additional information which I sent the information back on March 1, 2010. I have not heard anything back from Equifax and today is March 22, 2010 already.