Equifax Reviews

I was denied a home mortgage loan due to the inaccurate information provided by Equifax Reporting agency. The report shows a person by the name of Joseantoni Juan ** with a birthdate of October 11, 1974. The loan mortgage company denied credit, decided on the fact that I was not the person on the credit report and credit information reporting.

It has been a nightmare. I still have no idea how to get a copy of my credit report so that I can dispute their claims. I feel as though they are denying my claims on purpose in order to get me to pay their fees. Because I have been recently denied, they shouldn't be charging 10 dollars to see a report that I have a legal right to.

This company has my name with another person's social security number and their bad credit information. I am a college student with no credit. 4 times I have sent everything including my social security and driver's license number they ask for. Again, yesterday after the last time begging them to correct the information and including all documents, I get a letter asking for my social security card and driver's license which has been attached to every piece of correspondence. They are ruining my credit of which I have none. There is no phone number to contact. I don't know who to call. Please please help. Thank you.

My ex-husband had a car put up for repossession two years ago and I recently found out it had been reported on my credit by State Farm. I called State Farm and they verified I was not on the loan so I disputed it with TransUnion and they removed the report right away but I filed a dispute with Equifax and they said I was on the loan and that they could not remove the delinquency. I don't think they even investigated the dispute. I am going to file again through my credit reporting service and see if they can get something done but if they would actually investigate the claim, they wouldn't be bothered by several more disputes.

My husband and I are in the process of being pre-qualified to purchase a home. We have done everything to clean up our credit reports. Equifax is the only one isn't abiding by the bankruptcy law which is when a debt has been paid in the bankruptcy the debt is paid. The bankruptcy has been discharged and paid and removed because as of 12/2009 my ten years were up and removed. Equifax stated that since the BK isn't showing on the credit report, they need a copy of the discharge papers and a Schedule F.

My 15 year old daughter has a pay as you go phone. She has been receiving multiple calls regarding a credit issue that had nothing to do with her. Upon investigation, I was informed Equifax was the company trying to collect from someone unrelated to my family. When I called Equifax to inform them of the error, the woman was not helpful and pressed me to have my daughter's credit rating checked. She is 15. She has no credit. Then, the woman said I should have my credit rating checked. When I repeatedly informed her it had nothing to do with me and that they had the incorrect phone number, she said if I wasn't prepared to authorize her to check my credit, she couldn't help me.

After being denied credit for a car loan by four separate Lending Companies, each stated I was denied credit due to information reported by Equifax. I called Equifax on January 27, 2010 and ordered the 3&1 reports from Equifax. I was given a confirmation number. The funds were taken out of my bank the next day on 1/28/10. Since I asked to have the reports mailed, I was told to wait 7 to 10 business days. Upon not receiving the 3 reports (Trans Union, Experian & Equifax along with my credit score), I phoned again on February 15, 2010. I spoke with David he told me that for some reason the reports were not sent out, and the order was cancelled. I asked how could they cancel my order when the funds has already been taken from my bank account. David said that he would reissue the order and I was given another confirmation number.

Equifax sucks. I wish there was a way to put them out of business. They score me 120 points lower than Transunion. Their information is so outdated. I call and get no help. I fax them forms to have my file updated but they don't act on it. They are a rip off - $23.95 to see my credit score each time!! They have cost me so much money in higher interest.

I was declined for several credit check situations and all were reported back to Equifax. After several attempts to contact them through phone and online, it kept giving me the same response: "We're sorry, for your protection we are unable to deliver your credit report." After several more attempts, I finally tried by giving them payment and ordering the tracking service. Then they let me see it in which there is wrong information. This is wrong!

Equifax insists I am not who I am and refuses to give me my report. I have had no problem getting my report from Experian.

I tried to obtain a credit report from Equifax online yesterday, as a result of a credit denial by Capital One Bank. The letter received from that last-named institution gave us grounds to think that the Equifax Credit file might contain false or wrong information about my wife. The Equifax web page is not too user-friendly; most likely, they try to sell you their products. Although you are entitled to a free credit report as a result of a credit denial, they guide you to the place where you can get a free credit report as a result of Credit Federal Legislation. These two causes for free credit report request are different, but apparently, they try to make them the same.

The nice folks at Equifax have refused to remove a negative mark on my credit report that has been their for 17 years. The SOL was 7 years ago. The other two credit reporting agencies were more willing to remove this outdated info from my report. Equifax on the other hand are unwilling and very difficult to deal with. They have nothing to gain by reporting this but I have a spot in a federal government job to possibly be excluded from due to their reporting.

After having my wallet stolen, I decided to freeze my credit for a few months just in case. I filed a credit freeze with Equifax online. After a few error messages from their terrible website, I was able to complete the process. When it came time for me to save the "required" information needed to remove the freeze at a later date, the information did not display on my screen.

Since losing my high salary job in 2008, I have been trying to clear my Equifax file of misinformation. I was CEO of a trade association and had credit cards (company) with my name on them. After I was gone, the company repeatedly failed to pay their bills on time, and this information was added to my personal credit file. I am frustrated and angry that this misinformation is negatively affecting my credit score.

I recently bought a new car and found my credit score with Equifax had dropped over 120 points. It appears that Equifax allowed another man, with bad credit, on my credit report. I tried to call them and I've completed and sent and e-mail complaint form. Equifax sent me an e-mail that allows me to view the results of their investigation. The problem is Equifax asked me some qualifying questions before I could view the results. One of the questions was about where I once lived. The choices I had to choose from were all towns and streets in Florida. I've never been to Florida, much less lived there.

I have had my id and information used and was entered into Experian in approx. 1999 and my information and id was used in between 2006 and 2009 I have been fighting this for a very long time and came to the conclusion I am a victim of id theft. I found some information of the person of interest that used my id. It was on an Experian report here was the information of the party that I would like to take action towards.

I had recently applied for a mortgage loan, and to my surprise, my score with Equifax was 110 points lower than the other 2 credit reports. How could that be? My loan officer could not understand it either, since we checked all the information on all 3 of them and they all looked alike. After sending emails and getting no answer from Equifax, I'd called them, and I could not get anywhere with them.

Equifax has continually posted inaccurate information on my credit report. I have sent complaint forms to them. Nothing has changed. Transunion and Experian have it correct the majority of the time. My scores with Transunion and Experian are almost 90 points higher than Equifax. But unfortunately most lenders look at the combined scores. I have items on listed on Equifax that were not included in my bankruptcy 9 yrs ago, like a mortgage with CTX, Chase Manhattan, etc The information is very inaccurate. I don't know how anybody is going to qualify for loans anymore with the complete lack of responsibility on credit reporting agencies like Equifax.

Equifax's Credit Watch service failed to send me 10 e-mail alerts for over the course of more than a year. The alerts, for larger-than-usual increases on credit card balances were listed on their website, but Equifax suddenly failed to notify me by email as they had for years before. After calling-in to correct the problem, I called again to request a credit for failing to provide the service I was paying for.

One of my credit card called me. It was discrepancy in my credit report as they told. I found Equifax online and paid one time fee to see what my account looks like. After everything was straighten out, I forgot about Equifax. It was in November 2009. For some reason, they decided to charge me for Dec and Jan too. I never received any statements from them that I have to pay monthly fee and what is most important, I didn't use their services (if there were any) at all except that first time I needed. Last time, I was charged on Jan 13 according to my bank statement. Equifax told me they cannot refund any money to me even if I didn't use their service or like in my case had no idea that they would charge me monthly. I paid $14.95 for Dec and same for Jan.

I called to inquire why I could not receive my credit report online as I had purchased a 3 in 1 report for a trial period in which they would charge me $14.95. When I told them this, they still asked for my name, SS#, DOB, and wanted me to give them a list of everything on my credit profile. Needless to say, I was refused my credit report because I did know the creditors. I have a few because of past bankruptcy--trying to clear my credit up and be more responsible. Now, this money will probably come out of my account even though I got absolutely nothing! What should I do? I asked to talk to an English-speaking supervisor because I could barely understand the one whom I was speaking to--who was from India--and I was refused. What is the deal with these credit agencies? I am ticked.

I had a credit with Verizon two years ago, I kept the agreement and it is the only credit that I have had in this country. At the end of 2008, I asked Equifax for my Annual Credit Report and actualize my information. But now, they told me that I have a mortgage loan in/or around April 2004. I have never had a mortgage loan. I am worried with this situation and I don't know what I have to do. You know how very delicate the situation of the credit in this country and I had lost two excellent opportunities of work because of that.

I sent them all the information to unfreeze my credit and they are refusing to do so without a pin code - which I do not have. I need this to be done so I can lease an auto - they have all the information. Why give me this hard time?

There were many errors on my credit report. They all refused to delete the ones (bills) off my credit file! They were bills that were paid in full! They told me I have to wait 6 years for them to delete them.

A credit account that was investigated by Equifax on 3-16-06, and deleted from my credit file with them, remained on the TransUnion credit file. Repeatedly every day, I kept getting collection calls from Portfolio Recovery. I was never mailed proof that the debt was valid, despite requests. I was informed that they would win in a court case, and convinced that a court case would be filed. My disability income was at threat to be garnished by this recovery agency. I was guilted into making $1,570 of a payment for an account that does not reflect on my Experian or Equifax credit profiles.

Several years ago I noticed that some closed/paid in full accounts were reporting as open. I initiated the proper disputes, was found to be correct, and the accounts were marked closed. Should have been end of story. Equifax never closed the actual disputes, and when I pull my own credit report as a consumer, I can't see that the disputes are open. So in December 2009, I apply for a mortgage for a house I am purchasing. The rate was 5.125%, with low closing costs because my score was 721 (reasonably decent), except that when the report was reviewed, I was told I can't get a conventional 30-year mortgage because, although my scores are fine, the disputes were never closed by Equifax; and Fannie Mae does not purchase mortgages from mortgage companies if the consumer has open disputes.

I have been going on and on and on in trying to fix errors on my Equifax Credit File. I have even listed a previous complaint on here a couple weeks ago. Today, new one: I am signed up with Equifax score watch, meaning each time my FICO score changes, I am sent an email to the effect. However, that hasn't been happening. I log onto Equifax daily to check disputes I have filed. I watch my FICO score change daily, yet I haven't been getting email alerts notifying me of the changes. Yesterday, Dec 21, I called Equifax to verify they received information I sent via regular mail, notifying them of a change of address. I did this in response to a dispute I filed with Equifax. It showed me on the site that the investigation has been completed and I am being mailed the results. I wanted to make sure they have my updated address I sent along with a copy of my driver's license, a copy of my current lease agreement with my apartments, etc.

I used Equifax in 2007, 2008 and 2009 for free credit report. I was satisfied with the report each year. I was recently billed for $149.95 for Equifax services. I called and was informed I was receiving 3-in-1 monitoring. I did not request this service nor have I received any reports. I requested cancellation and refund. Apparently, during the process of requesting the free credit report, Equifax signs one up for this service without their knowledge. The consumer is charged for service not requested nor desired. In fact, there is no notice of this service being provided. Consumer is charged $149.95 (per year?).

I applied for a loan for a new car. With my current credit score (that I told them), I had the option of refinancing my existing car payment into the same loan with my new car. Great, until my bank pulled my credit score, 21 points lower than it is. I immediately checked my score on the 3 in 1 product I have from Equifax and it shows the correct score. So, I call Equifax and they tell me again the correct score. It must be a mistake right? No, I have my bank pull my score again and it shows up 21 points lower again. I call Equifax again and they tell me that it's "impossible". They offer me no solutions and simply tell me it can't be the way that it is. I go to my bank and show them my credit score from my Equifax 3 in 1 Monitoring but they won't accept it that way.

I requested my credit score by phone and charged the $7.95 to my debit card. They gave me a confirmation #, but the call was conveniently dropped before I was given their "order #". I never received the score but was charged the $7.95. I called Equifax, and they informed me that they had no record of me ordering my score. Even with my confirmation # and my debit card number, they could not locate the order.

I have been trying to refinance my home. I was told by one of the prospected loan companies that I had negative information on my credit file with Equifax. For years I have had a member account with Equifax to log in and inspect my credit information. I attempted to log in and was told the system was unavailable and to try back later. I contacted Equifax by phone, only to talk to a call center somewhere overseas. I was told it would be fixed and to try to log in again in 3 days. After 3 days, I still could not access my credit file information. Over the next 2 weeks, I contacted them 3 more times, each time being told it was a technical issue and allow 48 more hours to fix it. As of the date of this complaint, I am supposed to wait another 48 hours for it to be corrected. I am unable to obtain a lower mortgage rate and am being told my program options are limited due to the information being provided by Equifax to businesses but being hidden from me.

I have a credit monitoring product with this company for about 1 year. My credit score with them is 670 every time I check my credit score every single week. Then, I cancelled my credit monitoring product after 1 month I got a new product offer from my bank account. I was so mad because Equifax messed up my personal information, my name and other info and my credit score came down to 607. I am planning to buy a house this year but my credit score from this Equifax is so low sudden change because I just canceled my membership from them. It’s not fair for the consumer if they continue this kind of behavior.

I was a loyal customer member for the past 3 years and as long I didn't need any of their assistance, it was all good. Last year, before my membership was coming up for renewal, I called to update my credit card information from Visa to Amex, but unfortunately was charged on the Visa card anyways. Back then, it wasn't a big deal for me so I just left it like this. This year, however, when my membership was coming up for renewal, I called again to make sure they have my Amex card on file and I was assured this is the card I'll be charged. However, my Visa card was charged instead. This time, it was a different situation for me, as I had some balance transferred to the Visa at 0% APR and charging something to this card was screwing up my special rate.

This is the 2nd year in a row. I applied for my free credit report with Equifax, and it came up and it said, "If you want to view this online for 30 days, click here." And I did, and it took me to a page where I needed a log-in to get in. I tried to go back to the page, for I did not have one obviously; and it wouldn't let me. 2 years in a row, I have been denied a report.

I keep asking Equifax to remove inquiries that where not authorized by me from my credit report. Also, I requested numerous times to remove an item off my report that is not mine. They keep saying it is a commercial liability policy for Lee Air Inc. I should not be responsible for this. Also, I have 4 accounts with NFCU that at 1 time was late in paying. This was over 2 years ago and since I have paid on time or before and they keep showing it as negative. NFCU says I’m in good standing. I’ve threatened to sue and they said go ahead and they would fight me no matter how much it took. What can I do? I can’t get a loan or credit. I needed to repair my home and was denied. Also, I was denied a loan to help pay off my wife’s medical bills.

I haven't always done right with my credit. It's very important that I take action and do it right now. If I have disputed $8,000 plus negative information from my report with all three credit bureau agencies, my points has increased well with all except Equifax and no one can explain why or let me talk to anyone that could explain why or who I could write to.

I was denied credit by Citibank NA and PenFed based on credit reports provided by Equifax. I have been trying to get access to my credit report online through Equifax's website as mandated under FACRA rules; however, Equifax has blocked online access to the credit report.

I believe that Equifax is attempting to deny me access to my free annual credit report as required by federal law. In early July 2009, I filed my annual credit report request, the same month as in 2008. Since Equifax received the request a few days prior to the July date on my 2008 report, I soon received a letter from Equifax stating that I had received my free report within a 12-month period and that I could purchase a new report.

I went and got an account with Equifax, and account with TransUnion Truecredit, and an account with Experian's freecreditreport.com. What doesn't make any sense is why the one bureau is reporting a bogus number for another bureau. I called Equifax and kept telling me they are on a different scoring system. I would agree this would be an excuse for why their own number is different from than the other two, but I don't think they should be using their own formula to guess what the other credit agencies numbers are.

I sent letter to Equifax on 07/07/08 requesting they permanently remove the "credit freeze" from my account. I included a $10 check, 4 forms of ID and a letter stating I misplaced the PIN. On July 14, Equifax responded with a form letter indicating they needed a $10 check, 3 forms of ID and the PIN in order to permanently remove the freeze. I replied with a copy of my original letter indicating that I sent all of the above plus an additional ID. To date, they have not responded or removed the credit freeze. They do not supply a phone number to contact them and I am at a loss. It is important that I have the credit freeze permanently removed because I have been applying for work and employers cannot complete the credit background check on me. Please help. This is a nightmare. Thank you in advance.

The trouble started 3 years ago this September. My father (Donald Sr.) passed away and my brother, Dewayne, paid for the funeral. Shortly after, Dewayne started getting bills & mail having combination of his & Dad's name. His Equifax report then had his info and a mixture of Dad's. A few months later, I started getting mail with a combination of all 3 of our names. I bought a new Nissan in 2008. The credit manager said several of the banks they use had turned me down because I had my name on 5 different vehicles (from my brother’s construction business). I told the manager we had only the car we were trading. He showed me my Equifax report that had different combination of all 3 of our names. I also received a letter from Walmart regarding my charge card and they were lowering my limit due to my Equifax report.

I canceled my 3-in-1 program last July '08. I went to buy a new car on August 1, '09 with the Cash for Clunker govt. program and found out that my credit report was still frozen, even though I had canceled over a year earlier, and the car company had my new car on hold. I called Equifax on Saturday and they were going to try their best to have it unfrozen by Monday. I called on Monday and Valerie, Sr. Tech, said that it would take 5-7 days for it to come off. This delay would have cost me $4500 from the clunker program.

I received a letter in the mail from Wells Fargo which had someone else's name on it using my home address. I called them and they told me that it was Equifax in the USA that supplied the address. To this date, neither company is cooperating. I am not a customer of Wells Fargo or Equifax. I just want to know how Equifax got my address!

My business overdraft line of credit with Washington Mutual bank (WaMu) was cancelled due to "negative information on my credit report." When I received the said credit report, no negative information at all was contained therein. Two erroneous addresses were listed in the credit report but my correct address is not listed at all. I completed Equifax's "research request form" in order for them to correct the information and attached a copy of my driver's license as evidence of my correct address. They did not respond after 90 days so I called and was told that a letter was sent to the wrong address they had for me.

I am desperately trying to notify Equifax about my wallet being stolen to get a freeze on my file! I have tried 10 times through all their "automated" response system, only to get told I have made too many errors; my records don't match! The automated system is no place for a human! They should be mandated to provide better service!

Two months ago, I tried to get a bank card. After the lady ran my credit report, she treated me like I was a criminal. My husband works out of state, so we need some way for him to send me money without costing us a fortune. So we went to Wal-Mart and got a prepaid debit card. When I called to activate it, they said they needed more information. So, I faxed them the information. I never got my permanent card.

This is a follow-up to a previous complaint. Equifax is still taking $14.95 out of my account, though I informed them I wanted to cancel 2 months ago. I consider this fraud and a theft. I am currently on hold with Equifax, and they said that the representative I spoke with to cancel my account stated I hung up on her. I verified that she had all the information that was necessary to cancel and she continued to try to "sell" their service, not listening to what I was saying. I asked her numerous times if she had all the information she needed to cancel, and she said yes. I ended the call, assuming the charges would stop. Wrong.

On May 27, 2009, I was unjustly charged $99.95 by Equifax since I called up to change my primary method of payment to a different credit card, which they themselves have confirmed with me. However, they didn't follow through with my request. For almost two months now, I have been speaking to representatives of Equifax in order to be credited for this unruly charge, especially since I've already been charged another $99.95 on a different credit card, which is the card I originally wanted them to charge.

My story is bad just like everyone else's. I have disputed an item on my credit report off and on for 3 years. They said wait 30-45 days. They kept sending emails, saying they're still disputing. Finally, an email came and said the dispute's completed. It told me the same thing every time. I called and complained it was still incorrect info. They started another dispute, and same thing happened in the exact order over and over and over. Anyway, they still are doing this to this very day. I called and told them that a loan I had was paid in full three years ago. My report says charged off to the very day. I call every 45 or so days, and they say the company is reporting correctly. I would call the company, but Equifax has the wrong phone number. I see they are investing very hard.

I'm writing to file a complaint against Equifax. I am the victim of identity fraud, had an initial fraud alert placed on my credit file, and am trying to follow up. It takes a ridiculous long time on the automated system and requires excessive redirection in order to get the credit report and not pay for a score. At the end of it all, I finally reached a representative and requested that the fraud alert on my file be extended. The response given to me was that an extended fraud alert would only be provided after a written request.

I was turned down for credit by Sears because of Equifax's erroneous reporting. It's been less than 60 days. When I call their 1-800-685-1111, it's totally automated and wants $7.95 for what's supposed to be free. There is not an option for customer service or any way around the charge. Did I say their reporting is erroneous? By the way, Equifax isn't even in the dictionary. As a result, I have to go snail mail United States Post Office. Incurring charges for stamps, envelopes and gas to go to the post office, etc. Totally free my **.

In July of 2007, I requested a security freeze be placed on my consumer credit information. In February 2009, I wanted to avail myself of lower mortgage refinancing rates. It was then for the first time that I realized I should have received a confirmatory PIN # for the freeze I placed back in the summer of 2007. I never did. So, on February 18, 2009, I sent what I thought was all the required documentation, along with a letter of explanation to Equifax Security Freeze. I also requested my free annual credit report (per the state of New Jersey) at that time. I sent the information, certified mail, return-receipt requested and the post office confirmed my letter was indeed received by Equifax. No response ever came. So, on March 24, 2009, I again sent a certified, return-receipt letter to Equifax, asking if my information was somehow incomplete, and again requesting my PIN # and free annual report.

I asked Equifax to correct a payment delay item on my credit report. They made no effort to investigate the item. This is what happened. Charter Communications was used to withdraw my monthly service charge from my checking account automatically. When I moved to my new house a couple of years ago, Charter did not withdraw money directly from my checking account for the last bill. Instead, they billed me to my old address which resulted in late payment since I had already moved. I asked Equifax to take out this late payment item, because it was not my fault that I paid late. I was penalized for Charter's mistake. Equifax did not do much at all.

I have been using Equifax for over a year and I thought it was great that I get to see what is going on with my accounts. I later found that someone might have been using my SSN to obtain services, etc in my name and so I signed up for Lifelock. Lifelock requested for my credit reports and such on my behalf and I got them all. A few months later, I decided to move to a new house and promptly updated Lifelock and all other agencies. I updated Equifax through my online account since they are right there and did not think much about it.

I had a home invasion and many items were stolen including my laptop. I felt it's important to protect my credit as I obviously did not know how much information could be recovered from the laptop I did my banking and bill pay on. I called Equifax and they offered a 3-month free trial to watch my credit cards and indicated that any charges on my credit would be alerted via text message to my phone. I charged it to my debit account however, I did not know that I already was paying for their service through my Kroger Plus Mastercard. They discarded or ignored that I was already a customer. My bad, I wasn't keeping track that I had signed up previously.

I am trying to get a hold of someone to speak to so I can dispute my credit that I have already paid off but I cannot get past their automated system and it doesn't direct you to anyone who you can speak to.

My husband and I contacted a company, inquiring about loan consolidation. We also inquired about our information staying confidential. They assured us it would. The very next day, we received 3 phone calls from mortgage companies stating they heard we might be wanting to refinance. This really upsets me. It does not seem right that Equifax can give out that information. All companies that contacted us said their info came from Equifax. I want my phone calls private. For Equifax to be such a "dominate" force where people look at for important issues, there needs to be better customer service and they do not need to give out information like this to companies. I too tried to reach someone by phone. You can't get past the automated system.

Equifax simply refuses to provide me with an online annual credit report. I am not comfortable sending copies of credentials, including my SSN to a PO box in Georgia.

I requested my free Equifax credit report through ww.annualcreditreport.com. They said it was unavailable online, so I went directly to the Equifax website and requested the report. I had a few problems, for which I called customer service, which was very helpful. I was able to view and print my report. Now, what's wrong with that, you say? Well the next day, my husband had to go through the same process, except when he called Equifax they told him that the only way he could get his free report directly from Equifax was to purchase a product.

I called because with a score of 800, my cable company wanted a $400 deposit on an HD converter box due to Equifax's recommendation. So I called them and their system is down. A 29-year-old kid is telling me he is the top guy and has no boss, when I am getting nowhere with these people. With their system down, how could I have gotten a bad check up when just 5 days before I was given a $12K cc with Lowe's? And again, an 800 score. I fought with these people to get a supervisor above Alex and I was told, "No, the boss does not have a phone number or an assistant. Alex is the top boss." Well I have been around and when a customer complains like I did, you would think a boss would be there. I know that when people want a supervisor, you should get it.

Background information: I have a Patrol ID credit protection plan with Equifax. On March 28th, I called Equifax to confirm an alert that I received from Equifax. The alert informed that First USA queried my credit information. The customer representative answering the call asked me (first) for my identification information (my SSN, name, address, place of birth and address). After he received this information, he confirmed that First USA is Chase. He also confirmed that Chase queried my credit information. Then he asked me to give him my credit card numbers. I asked him, "Why are you asking for my credit card number(s)?" He replied that he wants to enter this information for me in my file. I said that I do not need his help to enter my credit card information. He said that he wanted to help me do that. I replied that I am not going to give him my credit card numbers and goodbye.

I went online to get my annual free credit reports. The other 2 companies gave me my reports without any problems. Equifax would not give me my report no matter what I did. I sent my info with ID proof that they asked for to the address given and have not received my report after a month. I am trying to file bankruptcy and must have that report, which I am going to have to pay for. At least $50.00 out of pocket, plus the stress of using their website that sent me from one place to another to another and just gave me the runaround.

They will not give me my free credit report. I have called them and set up an account with them. I talked to them and they verified who I was and set up the account. They will still not give me my free credit report.

I enrolled in and paid for one of the Equifax products since I lost an SS card last year (to keep from being a victim of identity theft). The subscription expired and my report remained locked or with a security freeze on it. I have called for two weeks - spoken to 16 different people including two supervisors and this still is unresolved. They read to me from a script that I am beginning to be able to reiterate to them. I tell them you are reading from a script. No one fixes or truly attempts to fix the issue, but they all tell me they fixed it because the last guy didn't know how to and so forth. I do not know what to do, who to speak with, etc. to have this corrected.

Through a 3-in-1 credit monitoring subscription through TransUnion, I discovered a significant error in my Equifax credit report. I immediately attempted to resolve this disparity by retrieving a free annual credit report from Equifax. Equifax repeatedly denied requests for free annual credit reports on annualcreditreport.com citing an inability to confirm my identity. Nor would they accept a written dispute form, stating that a Report Confirmation Number is required. Essentially, I was barred from submitting a dispute unless I bought a credit report from the company.

When a laptop was stolen from a Veterans Administration employee in 2005, I, a veteran, had my credit frozen with the three agencies. I subsequently requested a permanent lift of the freeze when the computer was found, unviolated. I tried to obtain business liability insurance last year for my contracting company and the insurance company (CBIC) was unable to get a credit report. I also tried to open an account with our local credit union and was turned down. Thank heavens, my wife has a limited partnership with me or neither item could have been accomplished. I have no good phone number for Equifax and the address I had (Equifax Credit Information Services, 1150 Lake Hearn Drive, Ste 460, Atlanta GA 30342) is evidently not valid, as my written request for lifting the freeze was returned to sender.

What is going to be done about these people? I have been trying to contact Equifax for months for my annual reports. I sign in using Equifax.com; I have called and received a recording. Now they want me to send in my personal information. How do I know where my information is going and if there is monkey business going on? I had no problem with the other companies.

Equifax will not provide me with my free online credit report via Annualcreditreport.com. I think they know very well they are obligated to provide this information once a year but they go out of their way to make it difficult to the general public to obtain this information. I, like others, have been able to obtain my free annual credit report from TransUnion and Experian but since 2005, I've not been able to do so from Equifax. Typically, their site tells you that it cannot provide you with your report online but would be willing to mail it to you. I consider it a security risk to have my credit report mailed to me and they are obligated to provide me this information once a year online. Their site tells me, "We're sorry. For your protection, we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet."

I am being charged $14.95 every month for a 3-in-1 protection for someone named Melissa, who I don't even know, but they will not stop charging me on my credit card unless I send them all sorts of identification through the mail, which I refuse to do. I now have to cancel my credit card to try to get this to stop. There's more to this story, but not enough room.

I was notified by Equifax that my current subscription to Equifax Watch (TM) Gold 3-in-1 monitoring service was coming up for renewal. I notified them via responding email that I did not want to renew, to "please cancel my subscription". I received a responding email "Equifax confirms your request to cancel your Equifax Credit Watch (TM) Gold with 3-in-1 monitoring service". The following month, my credit card was charged $129.95 for another subscription for Equifax service that I did not order.

Equifax is reporting inaccurate information on my credit report. Plus, I cannot retrieve my credit report because their message claims I requested this action, which is false. Like so many others, I am absolutely unable to speak to a live voice. I agree this agency, that can ruin the lives of so many, should be investigated by the FTC. Everyone's best bet would be to file a formal complaint with the FTC against Equifax.

I am an identity theft victim and I first contacted Equifax. Equifax placed a 90 days alert and also requested me to take an Equifax patrol for $14.95 a month, which I immediately did. After reviewing all 3 credit bureau reports, I started correcting them one after the other. But every day, this ID thief tried to apply credit in my name and I got fed up of the inquiries coming in to my report and decided to freeze it. Experian and TransUnion immediately froze my account when I requested for it, after providing them with all the required ID verification information and documents. Equifax simply sent me a letter back that said they need my personal information and I didn't provide it.

Sometime in February of 2008, I signed up with an online company (24Protectplus123.com) in order to access my credit report. After that, I received a number of calls from collection agencies. I also noticed a lot of tampering with my credit report which kept my credit score low.

In short, I've had no issues with TransUnion or Experian in obtaining reports, etc. However, I cannot say the same for Equifax! I could not get my free annual report as online, their website stated that they could not process the request at this time. I attempted numerous thereafter to no avail. I then went so far as to purchase it for $10. After providing my credit card info, etc., I was slammed with another great statement from their website that informed me to click here to submit a request for my report to be mailed to me as once again, they couldn't even process my online purchase to immediately view my report.

I had a very difficult time obtaining my annual free credit report from Equifax. I got the report from TransUnion and Experian very easily. It wasn't until I found a website that had a phone number and what to press to get through to someone that I was able to get a report. Actually, they weren't able to provide me a free report for some reason they couldn't explain, but I could purchase the report for $11. I did it because I needed to see what was on it. This is how I finally got through: Dial 1-866-640-2273. Press 30 at each prompt, ignoring messages. Good luck!

We tried unsuccessfully to obtain our free credit report from Equifax (says I have to do it by mail for some reason). I had no trouble with Experian or TransUnion; Equifax sends you to their website to sign in. You can only obtain a 10-digit number if you pay for one of their products; the 7 day a week customer service leads to no one at all, just a lot of sounds and then hangs up - so if you have to pay to get a free report and cannot obtain any information from a live person. Many many attempts made. After trying to purchase a 3-in-one, their website says they cannot find an account right after it said it could. Then they gave a number to call where I spoke with someone overseas who said they needed more information but could not help any further unless info was faxed to them.

I was denied a credit card application even though I have no debt. I have tried to find out why but I am having a lot of difficulty. It is hard to reach a person at these companies. Their websites generally don't work. They charge for their free credit reports. Not only do their systems not work, but the whole idea that some company is allowed to collect and disseminate information about me should be illegal.

I initiated a security freeze on my Equifax info because they will not correct items in their report (even after jumping through their hoops). Well unfortunately, all the banks and retail sales companies love them and I was shooting myself in the foot. So I attempted to remove the freeze. I sent the $10.00 and the 5 items outlined on the letter they sent me with my PIN (to allow access to the account and lift the freeze), along with that pin number. Now I got a letter back that I have to submit more info (two forms of ID)! I called them and they are cold and even admitted their 1st letter might be wrong, but insisted that I once again jump through their hoops!

I have attempted to retrieve my credit report from Equifax twice in the last two months to no avail. The first attempt was in November for my free annual report. I was told by an Equifax rep that they were experiencing technical difficulties. However, I never received my report. I attempted again today due to a declined credit attempt and again the same issue occurred with Equifax. They have designed their website to send users in a loop if they do not want to pay for their credit score. It never produces a report. Their phone system also does the same thing.

My husband recently applied for a Sears Charge Plus Card. We already have two Sears cards, one Gold card and one blue card, each time receiving 10% discount on Sears purchases. About two weeks later, we received a letter from Sears Credit Company stating that we were not entitled to the Sears Charge Plus card. We were surprised at this, so I contacted them. They told me that there was a problem with our credit, so they gave me a number to call and this number was Equifax. I asked for the reason for this rejection and they told me that they couldn't tell me anything except that I had to order a credit report for a charge of $10. This form stated that we had an overdue balance and some sort of lien from New York State in the amount of $1,316. It also stated that we charged over the maximum allowed on the card, but my mom, who has excellent credit, was co-signer. The overdue balance was paid completely in two payments.

I tried unsuccessfully to obtain my free credit report from Equifax (says I have to do it by mail for some reason not identified and that I have to send a 10-digit PIN with some other information). I had no trouble with Experian or TransUnion - Equifax sends you to their website to sign in. You can only obtain a 10-digit number if you pay for one of their products. The 7-day a week customer service leads to no one at all, just a lot of sounds and then hangs up. So if you have to pay to get a free report and cannot obtain any information from a live person after making multiple attempts, then there is clearly something wrong here! I got the other two with ease and no problems providing the same information that Equifax does not recognize. What can be done about this?

I purchased my Equifax 3-in-1 Credit Report with Score Power on their website twenty days ago and still can't get to the product because their systems are down. When I call Customer Care, they claim they can't access the system to give me a refund, and I can't get any help whatsoever. Equifax is selling their products and services on their website even though they can't deliver the product. The information given on the site is not accurate and misleading, initially stating that the system would be down for 24 to 48 hours, and now stating that they are completing system upgrades. As a result, the site may be slow periodically?! Coming from a credit reporting bureau trusted with the most valuable information consumers have, I find this appalling and even unbelievable. It's clear that this company is not reliable, transparent, and can't be trusted.