Equifax Reviews

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

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

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

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

I recently Checked my credit with all 3 credit bureaus and Equifax is the only one who had an outdated Chapter 13 on my file ...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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.