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Equifax can't keep anything straight ... and doesn't seem to try very hard. For the second time, the company has been penalized by the Federal Trade Commission for not responding to consumer inquiries. That will come as no news to the hundreds who've written to us, including those below:
Robert of Los Angeles CA (01/05/09)
I was denied a credit card application even though I have no debt. I have tried to find out why, but 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.
Lots of time lost, credit card application (with benefits program) denied.
Sprague of Yulee FL (01/05/09)
I innitiated a security freeze on my equifax info because they will not correct items in thier report (even after jumping through their hoops). Well, unfortunately, all the banks and retail sales co.s 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 sccount and lift the freeze), along with that pin #. Now I get a letter back that I ahve to submit more info - 2 forms of ID! I call them and they are cold and even admit thier 1st letter might be wrong but insist that I once again jump through their hoops!
I am so sick of them but realize they are a devil I cannot ignore.
I am hoping you (or someone) can do something with them. They are openly hostile to doing anything to help or aid a consumer and all love for the basnks. All I ask is to be treated fairly - like TransUnion does (and Experian, sometimes).
This is holding up my refinancing my home and purchasing something that I have found on deep sale and probably will be gone by the time they lift the freeze.
Stephanie of Valley Glen CA (01/05/09)
I have attempt to retrieve my credit report from Equifax twice in the last two months without avail. The first attempt was in November for my free annual report. I was told by an Equifax rep that they were experience technical difficulties. However, I never received my report. I attempted again today, due to a declined credit attempt, and again the same issue occured 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.
Equifax has denied me my free credit report in 2008, I have been a victim of credit card fraud and need to see my report, and most recently, I have been denied credit from two banks. According to the federal Fair Credit Reporting Act I have been denied access to see my report twice.
Patricia of Hicksville NY (01/04/09)
My husband recently applied for a Sears Charge Plus Card. We already have 2 Sears cards, one Gold card and one blue card, each time receiving 10% discount on Sears purchases. About 2 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 $10.00. 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 2 payments.
Also on the report, it would not state what the problem with New York State was. I don't know what the lien could be, simnce we don't own any property at all, nor does my mother. The amount that we charged was over the maximum amount allowed ($7,000) for a Caterpillar Machine. But the co signer was my mom. On the form, there were phone numbers that were given in case we needed more information and when we called all of these numbers, they were either not in service or not the right numbers. One number was for the local Fire Department. So therefore, we could not find out anything from anybody. We have always paid our bills on time and have never had any problem with our credit, so we are distressed about this. Please help.
Elizabeth of Virginia Beach VA (01/04/09)
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 multiple attempts made 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?
Major frustration, being duped, when my credit relies on this company as one of the 3 reporting agencies yet I cannot view the report without paying for a service, speak to l live person then yes I think I should COMPLAIN about it to someone who may be able to see what is going on? Thank you
Onder of Apo Ae 09723 CA (12/30/08)
I read an article in your website suggesting to receive my annual free credit report from the 3 credit card reporting companies. Of the three Experian worked smoothly. However, TransUnion and Equifax sites request that I log in to see my credite reports.
However, when I entered my personal information to receive my credit report, I was never asked to provide a LOG IN NAME NOR A PASSWORD. Hence, I was only able to receive my credit report from one company. Please note, I had not requested my credit report in the last may be 4-5 years until today. Thank you.
Miles of Columbia SC (12/19/08)
This credit bureau seems like a reputable agency until you need to actually get in touch with someone. They offer credit monitoring services that are automatically billed to your credit card each month. However, if you'd like to cancel these products, good luck. I called the telephone number they provided and followed the correct prompts, but was literally stuck on hold for THREE HOURS AND TWENTY MINUTES before I finally hung up. I guess they think that if they wear you down over the phone, you'll give up and let them continue to bill you for their product. What a ripoff. I was pleased with their service at first, but now I think it's a scam. Beware!
Bich-Nhien of San Francisco CA (12/18/08)
I have not been able to get my credit report from Equifax. They have mixed my credit report with my sister's for years. After sending them the requested documents to receive my credit report, they respond with a confirmation letter that has incorrect information. So, I called Equifax, only to be asked for the same information, put on hold several times for longer than a minute or two only to be unsuccessful in getting my credit report after over 30 minutes on the phone. Then they told me to go ask my sister to fix the report. I told them no because if my information was mixed with a stranger's report, do I go ask them to fix it myself? Then they blamed the credit companies who report the information to them, saying they reported it incorrectly to Equifax. Well, I know Equifax is not paying attention to the information and lumping everything together. My sister keeps having to remove my information from her credit report from Equifax, while my report doesn't exist.
Can't fix my credit report if I can't see it. Then I am blocked now because they put me on fraud alert.
Kirstan of Colorado Springs CO (12/16/08)
I have been using credit card debt to finance improvements to a rental house I own. I had a maximum debt of $65k in May, 2008, and have worked it down to $51k and counting. I have a very good on-time payment history according to Equifax. In October, I paid down total debt from $60k to $54k, and during that period, transferred funds from 2 high interest accounts to low interest balance transfer offers on existing cards (Discover and WaMu).
During this period, Equifax lowered my FICO score from 699 to 696, instead of going up considerably with the lower overall debt. Presumably, as I am now close to the limit on Discover and WaMu, I'm a higher risk. But this is an overly simplistic algorithm which ignores the fact that my total debt is significantly lower. I believe this quirk in the algorithm is intentional so consumers have to pay higher rates on future loans.
I honestly don't know if I have been damaged yet. I refinanced my rental and the loan officer said the rate was the same up to a 720 FICO score. But I am certain in the aggregate, this practice is costing consumers significantly.
John of Lake Jackson TX (12/11/08)
I tried to call equifax and after being on hold for 32 minutes. I was told my husband would have to call to update information. Fine. But since then we are unable to get a hold of a live body. Please give us a good phone number to be able to talk to someone so this can get updated and we can switch cell phone service to AT & T. I myself find this very unacceptable for a business.
Stress and not knowing when they will cut off our other cellular service so we will not have any.
Violet of Chicago IL (12/10/08)
I made update on my credit history in Equifax, Experian, Trans Union after Bkpy Chp 7 and discharge to make sure that my obligation are included in and there is no more past due balance on my report. Starting from January 08' to today I sent couple of letters to open disputes and resolve this problem -no success from those 3 Agency to make a update on my credit report. After all this time they still reporting that I'm past due balance -every month increasing more days. This situation with 3 Agency can not help me to show my real financial status of myself right noow to in the past before Bkpcy.
3 major credit Agency still reporting even after Bkpy that I'm past due like 90, 60 and more days on my accounts where they should stop after discharge on April, 08' Results is I can not re-build my credit history what affective my truth side of my obligation- situation right now I can not show how I'm doing right now that I'm paying on time because they still showing after Bkpy no truth on my credit report.
Ralph of Thermal CA (12/09/08)
I was recently denied enrollment with an online trading company because I failed an Equifax security question. The security question demanded I say yes to the fact that I had a mortgage on a house in 2006 but I have never had a mortgage in my entire life. I then pulled up my credit report and there was not a single thing about me ever having a mortgage so I can't see how I failed the security question. I did notice that there was some derogatory about a gas card which was open and current but was initiated 18 years ago with a standing $282 balance. I contacted the gas card company and they could not locate any information on me and were puzzled as to why Equifax would list the account number on this fictional debt as Unknown.
So I try to contact Equifax about this and the website says I need to order a credit report, get a confirmation number and then call them with the number on the report or input it into an online form. Well I fill out all my info on the online form but at the end I get told that they cannot send me my report, for a variety of vague reasons, or any information that I NEED to contact them with either by online form or phone call. My only choice is by mail and if you google Equifax and mail response you will see that correspondence by that route is very slow and frustrating. They are making money off of my information, information that is incorrectly listed, so I think I should be entitled to contact them in an easier manner.
Lots of stress. I am being denied applications for credit because of incorrect information and I am/will potentially pay hundreds, maybe thousands, of dollars higher interest.
Rhonda of Chicago IL (12/08/08)
I'm trying to find out why Equifax keeps coming up every time I try to apply for any type of services. I never had a checking account,so what is it? I've tried to open bank accounts, sign up for engery programs, tried to get credit to buy furniture, energy assistance, and this Equifax keeps coming up and I'm being denied. If you can please help me find out the problem ill be most grateful. How did I get involved with Equifax?
Norm of Fort Myers FL (12/08/08)
Went online for free credit report, Paid $7.95 for fica Score. Still have not seen either one. Site took me to a log on page. But did not give me the info to register. I am contaction my bank now to cancel payment to them. Also cannot reach anyone by phone or online email. Site needs shut down and fined by the Goverment for ripping people off.
Linda of Fairfax CA (12/07/08)
When I tried to access my free annual credit report, I was brought to a screen for members where I was asked for my username and password. There was no way to view my credit report.Equifax keeps shuttling me to screens where I can purchase Equifax products. So I can only receive my credit report if I pay them money. They are violating the annual free credit report law.
I have to pay to recieve my credit report.
Roy of Owings Mills MD (12/05/08)
I've had this service for several years and have been quite happy with it. But over the last couple of years, I've had terrible experiences renewing the service, having to endure long phone calls with customer service, 30 minutes (one time about 1 hour!) I signed up for the credit watch, they charge my credit card but I was unable to access the reports.
I called them last night, and they said that there was something wrong with the system. So I tried all day today, and still no luck. Tonight I call back, another 30 minutes and they couldn't figure out what was wrong. I told them: I've already paid for the service, so where is it? -- I don't think I was being rude, but they were unable to provide an answer to that simple question! Finally, the rep said, she would keep trying and then she would call me back. Which she did about 1.5 hours later, and all is fine now. Tip: The call back approach would go a long way to improve customer service!
Time wasted and frustration
David of Lubbock TX (12/03/08)
I placed a call to cancel an Equifax product at 4:15 pm December 3rd 2008. It is now 4:52 pm and no one has answered still. The hold music just plays over and over again.
Phyllis of Suffolk VA (12/03/08)
Like many others have already noted, I tried to get my free annual credit report and my FICO score for $7.95. Had no problem signing up and they had no trouble taking my money. But I couldn't access either the report or my credit score from their online screen. Took me to a login screen where I couldn't log in because I wasn't registered. Was never offered an opportunity to register. After way too long navigating the Equifax web site, I finally called a phone number I found here, talked to a person who actually transferred me to a real live person (in India) who could help me. This is Personal Solutions Customer Care. The guy was actually able to help me get registered and I finally logged on and saw both my credit report and FICO score. Be prepared to answer 20 or 30 questions to prove who you are....and to listen to a hard sell for purchasing more of their services. But at least I was able to get what I paid for. Good Luck!
Abdul of Oakville ON (11/27/08)
1) It is impossible to contact anyone at Equifax. 2) I have twice ordered a copy of credit report via mail, the last one more than eight months ago, and I have yet to receive a copy. 3) You can order one online if you have a credit card (seems to work when you are giving them money). Please forward this to responsible government agencies to both Canada and United States. Equifax is beyond incompetence.
Armen of Sunnyside NY (11/22/08)
My Equifax credit reports contains completely inaccurate information including wrong social security, wrong date of birth, wrong address, over 40 credit cards that are not mine, mortgages that are not mine. I have attempted to contact Equifax for the past 8 months to have all this information corrected. The only form of contact is via postal mail.
After making my case with the company via a letter, they asked me to submit documentations verifying my documentation. I have sent the company my drivers license, my U.S. passport, birth certificate, social security card, etc. I have sent the company every piece of identification documents that are available and the company has made no efforts in correcting the information.
These documents were sent at least 4 times with certified mail from the U.S. Postal Office to ensure the company receives them. The only letter I have received from Equifax in response to my claim was that Equifax is not able to identify who I am. As a result, my credit has been reduced from 750+ to 400, below sub-prime. My credit card limits have been reduced to laughable levels.
My salary is well above six figures and my credit has always been maintained pristine. Currently, due to the mistakes of Equifax and inability to fix their mistakes, I cannot even get a loan for a car, let alone apply for a mortgage. If it is possible, please help me fight Equifax. I am willing to supply any documentation necessary to further my cause and reach a solution.
Also, TransUnion and Experian (the other two major credit reporting companies) have the most update and accurate information containing my history and identity. My credit score with these two companies is above 750.
Jeanete of Euclid OH (11/18/08)
i recently went to a store and my entire credit card number came up on the receipt that they keep so i went online and saw that equifax had a fraud alert program. the sytem asked for all my personal info and then a rep came on the and i told that i changed my mind and she was like too bad you have to keep it for 90 days then hung up.
i have excellent credit and now i need new tires so i was going to go to sears. when i learned that one of the drawbacks was opening up a new account iwant apply for a sears card to get 10 percent off and i do not understand whats what. I JUST WANT THE FRAUD ALERT OFF. I DO NOT NEED THE HEADACHE. WHO DO THEY THINK THEY MAKING YOU KEEP SOMETHING YOU DO NOT WANT
Paul of Rising Sun MD (11/17/08)
We cant seem to get Eqifax to correct anything on our credit reports or to remove unverified info , to prove how they verified this info ..they are also repeorting credit cards on my husbands account that are not his...... only mine individual accounts reporting his as an authorized user even though he has never used them ..liens from his business that were satisfied we sent certified mail to all creditors equifax hasnt removed them its been a year..also old credit stuff on borth of ours ...mine they have unverified false accounts ..sometimes reported twice anything i have sent in they refuse to put statements as to my disputes...transunion and equifax have done some things for mine ..i am not finished with his yet ..as of hyet i have seen nothing chnaged on eqifax in fact he was denied credit just this month and they denied me access him access to his credit report !!!just today Nov 16 , 2008
OUR CREDIT IS RUINED plain and simple
Barbara of Kill Devil Hills NC (11/12/08)
About 1 month ago I applied for an equity loan on my home and was told that my credit score was run at that time and it was 750 and today only 1 month later I get an equifax report showing the score to be 695. Like all others I called and only got automation and went online to file complaint but was unable to do so without paying. People are having a hard enough time right now getting loans and they don't need to have to deal with such incompetence.
If I get my loan the interest rate may be higher because of equifax and we are all struggling as it is.
Mary of Cupertino CA (11/11/08)
I received a notice that my information had been on a stolen laptop. I went to the AnnualCreditReport site, filled out info and was transferred to Equifax site. There was no way I could request my free credit report. I could not create an account without signing up for a paid service and without an account I could not get my report. Equifax is very obviously not complying with the law - I went to Customer service,I called the number they listed, it was an automatic answering site and there was no choice that allowed me to get the report nor report that I was unable to get it. I think there are enough reports of similar experiences to expect some action to be taken.
I do not have my credit report and thus have no way of knowing if my account has been compromised.
Erma of Smithdale MS (11/07/08)
I applied for a personal loan through Citifinancial. I was denied because the representative told me that my student loans through AES was showing as a monthly payment of $1300. I contacted Equifax, at least, three times and have completed three online dispute to correct this error. I pay only $240 monthly for my student loans. I have never been late and currently they are in deferrment.
Every time I receive an updated copy of my report, I do not see where my monthly notes are referenced. I have tried to correct this problem many times, however, the solution is not available. What can I do? I cannot physically go to Atlanta, GA and make Equifax report the correct information. I am at my wits end.
I am unable to consolidate my remaining loans because of the erroneous information that is reporting from Equifax. I would be able to save at least $300 monthly, if I was able to consolidate my remaining loans.
Robert of Battle Ground WA (11/04/08)
Cannot contact these people. Only have automated services. No live contact. They continue to report eronious information. Does anyone even work here? They have an online dispute section but you can't disbute anything unless you buy one of their services. And you can't get a live person on the phone to help reset security profiles.
Because of the wrong information my credit score dropped from 700 to 576. This company is the most incompetant outfit I have ever delt with.
Barbara of Alexandria VA (11/04/08)
This credit bureau should be investigated by the feds. It is a scam pure and simple with absolutely no way to correct a credit report that is outright wrong. You cannot obtain your free credit report as they run you around every angle, write to this address, no another address, I then forwarded my request to the right address to get a letter back telling me that my free credit report was going to cost me $7.95.
Forget about obtaining it on-line for free. Without the report you cannot dispute any incorrect information - period! So, you are denied credit, run ragged for a company that is allowed to ruin people's lives unchecked.
Being denied a home loan because I have not avenue to correct incorrect information on my Equifax report.
Michael of Attleboro MA (11/02/08)
I tried to retreive my credit information and was refused by Equifax
R of North Richland Hills TX (10/28/08)
When I and two family members paid Equifax in Atlanta, Georgia to add a security freeze on each of our accounts, they failed to send us our PIN numbers. When we switched utility companies, we were told we had to pay a deposit based on info from Equifax and were given the address Equifax, PO Box 674402, Houston TX 77267-4402 to receive the credit information provided by Equifax under the Fair Credit Reporting Act. The letter was returned not deliverable as addressed. I also requested a free report by phone and received a letter from Equifax in Atlanta, GA stating I had to send the PIN number or they would not send me my report. The Equifax letter offered to sell me my credit score for $7.95 without a PIN number. A replacement PIN number can be had for $10 each netting them another $30. It appears this whole ordeal is designed to extort more money. I called the Equifax number furnished by the utility company 800-392-7816 and was told Texas residents have to use CSC for Equifax reports and that is the reason we were not given PIN numbers AND the rep told me to send a copy of my social security card and a copy of my driver's license to yet a different PO Box addressed to CSC for the report. None of the three credit reporting agencies ever asked for these copies. Red Flag Alert! I asked for and received credit reports from Experian and TransUnion and received them without a demand for a PIN number for MY credit report to be sent to me. If you failed to receive your PIN number from Equifax, please complain to the FTC and your state Attorney General's office.
Nancy of Depew NY (10/24/08)
I attempted to get my free annual credit report from Equifax. I received a confirmation number FACT413141097. The final screen said to click here to view my credit report. When I did, it took me to a log on screen and asked for my loin information. I was never requested login information. When I tried to call them I got only recordings for different scenarios, none of them pertaining to my need. I listened to each one, which was only a recording and then disconnected me. When I tried to discuss with Equifax by email, it kept telling me I could, if I log in. I got another 1-800 # for Equifax and both the operator who could not help me and the supervisor who refused to help me and then hung up on me when I said I was filing a complaint, were EXTREMELY rude and refused contact information to file this complaint.
Marva of Viera FL (10/23/08)
I was denied credit due to inaccurate information on my credit report that was report by equifax. The letter said to call and request a free copy of report within 60 days. Waited on the phone for exactly 43 minutes as per my phone receiver. I eventually hung up.
I eventually try to obtain it online it said I couldn't do it. I ended up sending a copy of my drivers license and a utility bill. Then I spoke to someone who said I had to send in 10.00 to get it. I had to give her the name of the company I applied to for credit and then she transferred me which I am still holding on for.
I am unable to obtain credit.
Tona of Brooklyn NY (10/23/08)
There is a delinquent account on my report from an identity theft that occurred in 2004. I submitted documents to dispute proving that the account could not be mine because it involves a residence the thief was living in in Florida while I was always living in New York.
The other two bureaus removed the account. Equifax refuses to remove the account. This delinquent account is lowering my credit score and making it more difficult for me to obtain financing for a home.
Annette of Elmont NY (10/22/08)
I had paid off some items that had appeared on a credit report recieved a few months age. I wanted to make sure that the payments were reflected on my credit report. I contacted Equifax online and began filling out the required windows, in order to get my report. I was annoyed because they were advertising the fact that you could get a free credit report. This was absolutely false. The way that it is set up, in order to receive a credit report,one of their products has to be purchased. You are told that you have 30 days in which you can opt out, but there is no one to call to opt out.
After signing up for a product that I really did not want, I tried to access my information using the password and username, it did not work. In one of the windows, there was a number that I could call for help. When I called in, the only way that I could get help was to agree to a 3-point product, that I really did not want. I felt as if I'd been set up. I only agreed to purchase the 3-point product, after I made the person assure me I could opt out after 30 days, so that I could go forward.
Here's what really got my goat, I was told by the person that I spoke to, that my password would be sent to my e-mail account. When I checked the e-mail account there was a form that had no password, but looked like a script that a person from Equifax would read from. When I tried to call the 800 number (numerous times) to find out what was going on, I receieved a bunch of prompts, but could not get a live person to speak to. None of the prompts could help me with my problem.
I got so frustrated that I e-mailed Equifax, letting them know I wanted to cancel my order, since I had not gotten what I paid for. I never received a response from them.
Trac of Dallas TX (10/20/08)
Equifax makes it so difficult to obtain a free credit report. I was denied credit and by law should be able to obtain a report. After spending a half hour on their site, I finally figured out how to request the report. Then the system says it can't process it on line and that I have to call. When I call and listened to 5-10 minutes of options, I never heard one for my situation. Finally, I decided to get my free annual credit reports. I was able to get the reports from the two other agencies very easily. Yet again, Equifax refused to provide my report. I was finally directed to a link that requires me to complete a form and mail it in with two forms of id and a utility bill or something crazy like that.
If Equifax continues to be able to deny or approve credit they should be forced to cooperate with the public. It seems all they want is their $7.95 or whatever for the reports. The other two reporting bureaus set a good example and should be commended for their accessibility and ease of use.
Noah of Berkeley CA (10/17/08)
I attempted to get my free credit report from Equifax as per the FACT Act using the web site annualcreditreport. Once on the Equifax site it asks me to log in with a password and user name. To get a password and user name you have to pay $7.95. There are no ways around this that can be seen by a reasonable person.
The customer service numbers they offer do not give a reasonable solution as I called multiple times without getting any further solving my issue. My issue? I'm not paying $7.95 for my free report.
The financial consequence is not just about my own. This business practice surely results in many people simply paying the $7.95 for what is supposed to be offered free. Ask Equifax how many users they have signed up did so under the pretense that what they were getting was free? Then you will know the economic damage. Personally I have lost my time.
Kenneth of Maiden NC (10/10/08)
Tried to get my free credit report with FICO score ($7.95) from Equifax online. I paid and was shown a page with links to my credit report and FICO score...neither of the links work and their online system will not let me in to see my info. Emails to them go unanswered and phone calls take me to an automated system that never gets answered.
I lost my $7.95 did not get the info I paid for and wasted a couple of hours of my time trying to get this resolved. This company should not be allowed to stay in business.
William of Santa Fe NM (10/10/08)
Equifax attached several false reports to my file. I disputed those reports and after 30 days, they sent an email stating that I could view the results on a website they provided. when I attempted to view the site I was denied access. I was informed I could go to another website or call but there is no option for accessing dispute results. Further there is no provision to talk to a person on the telephone answering system maze.
De of Alameda CA (10/06/08)
Trying to get a free annual credit report but have now way to access it once it is run. The View/Print report button takes me to a logon screen but I have no logon and there is not any kind of new registration link available anywhere without buying a product from them. This is not supposed to be the way it works.
By law, I am entitled to a free report. I've spent 2 hours searching around the website, trying to call the 800#s (it's all automated on 3 different numbers). As a billable contractor, that's $300 in damages.
M of Warren MI (10/06/08)
I order my credit score from the company and paid for it. I then pressed the link to retrieve it, and was told that I could not have access to the info because they did not recognize me. I called the customer service number to ask for a refund. I waited 40 minutes just deal with the situation.
I told the representative that I wanted my money back. They said that unless the purchase was an accident I would not recieve my money back. I said that I had not accessed the account and wanted my money back. They said its company policy to not refund money on one time internet purchases. I ask to talk to a manager. They said all their managers were in a company meeting. I told them I would file a police report. They passed me to someone else in the department who said the same thing.
Its not a lot of money, but they should not be able to just say no we are not going to refund your money. Its wrong.
Michel of Clearwater FL (10/01/08)
Have problem with equifax report. Wrong information. Name was changed to my brothers and his information added to my report.
Tried to obtain free report but got the royal run around both on line and no one will answer phone at equifax. Should be one less credit reporting company. My opinion only.
James of New Haven CT (09/17/08)
I placed a request to have something removed from my credit report. They contacted me via email with a conformation code and sent me a link to a form where I was to use this code along with other info; street number,last name, last four digits s.s. #, numbers from my street address. I filled out the form and it told me there was no information. I have had other problems with thier website and I am at the end of my rope with this company. The other two companies I delt with concerning this issue were simple and I am satisfied with their service.
I think Equifax is an awful company and I hope they are investigated soon for their constant screw ups. Maybe they are leaking my personal information all over the place with their bumbling habits.
Amanda of Seneca SC (09/11/08)
They list me as living in Graniteville South Carolina. I don't even know where that is. I have only lived in Greenville and Seneca, SC. I requested to know where they got this information and they said it was accurate. There has been no identity theft, they have made a mistake that they refuse to correct.
Amanda of Seneca SC (09/11/08)
This is showing up on an Equifax Credit Report. Problem 1. This is not a law firm 2. it is reporting a medical expense that has been paid in full 3. my efforts to contact this number have resulted in getting an answering machine and they do not return the call 4. when I googled the address to get directions to see if it existed the number is listed to a residence in Atlanta and not the one above
Muhammad of Chicago IL (09/04/08)
After applying for cel phone service, and having been denied, without a security deposit, I later received a letter about where to retrieve my free credit report. So, I followed the procedure as requested by the letter from at&t, called Equifax, then went online, paid the fee, and was then told I cannot retrieve my report online. call 1-800, I did, and was told the same thing, go online and place your order. And three times later, here I am typing this report to find out what, why, and who did this. I just want to see who I need to, in order to view and try and clean up my report,as a full time student, money is scarce and hard to come by. After applying for private student loans and constantly being denied, I need to know why.
I'm unable to secure work,any type of finacial benefits, buy books for school, this semester, I need a laptop for web design class, and cannot afford one. I applied for credit at Best buy, got turned down for a Six hundred dollar laptop. I ca'nt get my teeth repaired because I have no insurance, because my credit report is so elusive, I don't know what I look like to the world. So, no job, no teeth and money to complete college. What happened to the American dream, I've served in the Army, served my country, and now I can't even see my own credit history? Is the American dream just that, your ability to pursue that happiness, it's not really there for you to have? Tell me I'm wrong, please...
Katherine of Beverly MA (09/02/08)
Earlier this year, my husband and I paid to place a security freeze on our credit reports at all 3 credit reporting agencies. When we requested our annual free copy of the reports by phone on the automated ordering system, Transunion and Experian complied without incident. Equifax wrote back saying we needed to supply our 10 digit PIN in writing and gave an address to which the information had to be sent. This we did.
We then received letters stating that the only way to order credit reports was through the automated phone service. Assuming it may have been a glitch that had since been sorted out, we again ordered the Equifax reports by phone. We have again received the same letter, saying that our file is blocked from unauthorized disclosure and we cannot process your request without your 10 digit personal identification number (PIN)?.
There is apparently no way out of this loop - except presumably to pay to lift the credit freeze and then pay again to reinstate it. Clearly we are not unauthorized recipients of our own credit reports. Equifax has established a system whereby it is impossible to obtain the free annual copy of credit report they are legally required to provide. We are entitled to place a freeze on our credit reports and are paying for the privilege, which would not have been necessary if the credit reporting agencies did not disclose our information as freely as they have in the past. We should not have to pay for the freeze to be lifted and then reinstated in order to see our own reports. Having frozen the reports, it is ridiculous to deny us access to our own credit reports. We have filed a complaint with the FTC. Everyone else should do the same. It is ludicrous that this company has so much power and there is no recourse against these types of practices.
Velda of Alexandria VA (08/31/08)
I have been sending corrections to Equifax off and on for the last 6 years trying to have them correct issues that appear on my credit report. They are the only credit agency that I have to constantly fight with to get my information right on my credit report. They also are usually the one that scores me the worst every time. Even when it is public record or I send them in paperwork to prove that, my information is valid, they still never do it right the first or second time. It is always months before they get it right.
Than sometimes I have found that when I go back to check and see if they have corrected it months later, they have changed it back to a derrogatory status again. I am beginning to feel like someone has flagged my file as being a trouble file and no one wants to deal with it so they don't!! I feel like now this is personal.
-Continuously low credit scores. Normally atleast 30-50 points lower than the other two reporting agencies. -Suffering higher than necessary interest due to Equifax offsetting my credit score and making the average score (when added with the other two reporting agencies),become lower. -Longer than necessary time needed to fix the problem, even when I present paperwork to confirm my statements. -Having to repeatly ask them to fix my file for the same issues more than twice.
Kay of Dunedin FL (08/28/08)
I have an error on my credit report and Equifax has made it literally impossible to contact them. I was unable to file a dispute on line because there is a 'freeze' on my credit report. They requested I send in numerous proof of my identity even though I provided all the information requested. Their email link DOES NOT WORK! The phone number provided was a constant busy! You have to be more than persistent to contact this agency.
I finally was able to order a paper copy of my credit report which should arrive in about 15 days. Their practices are totally unacceptable and what recourse does a consumer have. The account I had with JC Penney has been closed since 2002 because the first bill I received from them included late charges. After many months of trying to resolve their billing error I closed the account. I never paid a late charge or a late payment on this account. I no longer do busines with JC Penney.
Last year my car insurance company sent me a form along with my renewal explaining I was being surcharged due to my credit report. That was when I first found out about the practices of these credit reporting agencies. I feel the consumer is being held captive. I know the information is incorrect and I have other accounts that have always been in good standing.
Me and my husband have no mortgage on our home which we paid off years ago and almost zero debt because we use our credit cards carefully. We value our credit and feel this has affected us for no good reason. We are both over 65 and this has caused us undo stress over something that is being reported incorrectly. As I mentioned I closed the account with JC Penney because of their billing errors. I had only charged a little over $30 which turned out to be a huge mistake for all the aggravation this has caused us. Please help us resolve this!
Harriet of Brooklyn Mi MI (08/25/08)
I have tried several times to recieve a copy of my credit report only to be told that there has been too many inquirys on my record. The last time I actually received a report was on 3/27/2005. its imparative that I obtain this information
Linda of Columbia MD (08/23/08)
All 3 bureaus have mixed my creidt file with a similar name, I had the police involved based on a this issue, believing it to be a fraud issue. It's not. It's the stupidity of the 3 bureaus. I have rpeeatedly asked them to update my files, in wiritng, online and over the phone. NOTHING EVER GETS UPDATED, THEY FIX NOTHING. THEY CHANGE NOTHING!
MY CREDIT IS [ruined] BECUASE OF THEIR INEPTITUDE!
Glen of Great Falls MT (08/22/08)
I just wanted to pay a fee to get all three credit reports in one, not join a club.
Michelle of Boston MA (08/18/08)
I was contacted by NCO Credit Bureau back in April about an outstanding bill. The day they called me I paid it, only to find out 4 months later, they have NOT done anything with respect to my account, didn't post the amount paid, didn't send the deletion letter and only gave me run around that lasted for up to 2 hours each time I called them.
These people act like credit scors don't matter. All I need is for this to come off my credit report and it hasn't yet because of their incompetency. It is costing me a large phone bill and a poor credit score. Any help you can provide would be appreciated.
My credit score is seriously affected as is my phone bill since I'm on hold for about 95% of the time, instead of actually getting any serious assistance.
Jesse of Fort Lauderdale FL (08/08/08)
In April 2008 I disputed two erroneous accounts with Equifax. It is now August 2008 and these same two accounts are still reporting reinvestigation in progress status. I have sent numerous demands for deletion because they are way way past their 30 or even 45 day time limit to delete as mandated by FCRA. I want these accounts deleted immediately before I file suit
I have been denied credit numerous times, been requested to put down large down payments due to my affected credit score. I have been stressed and upset so much that I've missed a few days of work because of this. I have other damages as well.
Neil of Tyler TX (08/07/08)
I own my own company, my wife is an RN we have always paid our bills on time. The was bad info from Equifax on my wife's credit report but we are taking care of that. The problem is my credit score. I use credit cards with low credit lines $300.00 to $700.00 dollars. Have never been late on any of them but my credit score just will not go up. I had some bad info on my report and an item that was mine but did not know there was an outstanding balance. took care of all of them sore still does not go up.
Show my Transunion report to my banker and he agreed it was as good as he had seen except I didn't owe much money nor never had any High balances. But I had never been late on anything yet my score is only 587. He said it should have been closer to 750. I normally pay cash for as much as I can. We have at least $50,000.00 in equity in our home. I am about to purchase a new car and I'm afraid this will hurt my interest rate. I am think about suing under the defamation statute. Any advice?
Turned down for a loan from CIT/Dell for a new computer. I won;t buy a Dell ever now! Higher interest rates. Embarrassment!
Neil of Tyler TX (08/07/08)
I own my own company, my wife is an RN we have always paid our bills on time.The was bad info from Equifax on my wife's credit report but we are taking care of that. The problem is my credit score. I use credit cards with low credit lines $300.00 to $700.00 dollars. Have never been late on any of them but my credit score just will not go up.I had some bad info on my report and an item that was mine but did not know there was an outstanding balance. took care of all of them sore still does not go up.
Show my Transunion report to my banker and he agreed it was as good as he had seen except I didn't owe much money nor never had any High balances. But I had never been late on anything yet my score is only 587. He said it should have been closer to 750. I normally pay cash for as much as I can.We have at least $50,000.00 in equity in our home. I am about to purchase a new car and I'm afraid this will hurt my interest rate. I am think about suing under the defamation statute. Any advice?
Turned down for a loan from CIT/Dell for a new computer. I won;t buy a Dell ever now! Higher interest rates. Embarrassment!
Terry of Oakland CA (08/02/08)
Equifax has been under reporting the credit limits on my revolving accounts. This has made my debt to credit ratio 20% higher than it should be and has artificially lowered my FICO score. I contacted Equifax customer service, in India, but they dont seem to be in any great hurry to correct the problem. Equifax is the most powerful yet the least acurate of the three reporting agencies.
These errors and resulting credit scores have a huge impact on my potential mortgage rates.
Robert of Jacksonville FL (08/01/08)
Tried twice calling Equifax to cancel the $100.00 charge on credit card. Both times I was put on hold for 30 minutes. Finally hung up. I suppose they think if they don't answer the telephone, they can keep charging my account. By the way, we never got anything for the money we did pay them.
Lousy outfit!
Dennis of Gainesville GA (07/28/08)
Could not get free online credit report online. Website asked for more info and required a mail in report.
Annoyance and inconvenience. Planning to apply for a loan and need timely information to see credit rating.
Joshua of Santa Clarita CA (07/27/08)
I was a victim of identity theft in 04/08. I immediatleycontacted all of the 3 credit bureaus and placed a fraud alert andknowingly opted out of a security freeze, mainly due to the fact of allthe additional work. I then decided to obtain a credit monitoring poductfrom Equifax.
During this process I moved and purchased a new home andwanted to refi; The finance company contacted me and said that they couldntpull my Equifax report. I immediately contacted Equifax to see why; aftermany calls, many excuses, and several supervisors later, they recentlydiscover I have a Security freeze on my credit report that was mistakenlyplaced and due to some glitch they have been unable to remove it.
Its nowabout 3 months later since I originally complained and they have yet toremove it. I even spoke with their own (equifax's) Security FreezeDepartment and contacted the other 2 bureaus and they all say it shouldnthave been placed, they show no request and they show NO Security Freezeshowing for their reports to which by law they would have been notified of.
As of today my Equifax credit report still has a Security freeze solelyplaced in error by Equifax and they are having troubles removing it which prevents me from using my own credit report. Bottom line: Equifax placed afreeze on my credit report without my authority, are having problemsremoving it due to some glitch, and its preventing from using my own creditreport which is preventing me from refinancing my home.
Cannot use my credit which is preventing me from refinancing my home.
Jeffrey of Austin TX (07/24/08)
I tried to get the credit reports from all three agencies on line. I did not want additional services. Just mail my reports. The site took me to each agency individually and still all three denied me. I have letters of turned down credit. Then was told I could get a free report. There is no one person to talk to.
Its more of the same, use your computer or write in and send more personal information. I have been disable for almost two years from a motorcycle crash. The insurance payed off my motorcycle loan. I don't no if that is showing positive or negitive. I have also had open heart surgery and many surgeries from my accident. I just want to know whats going on. Are there not any people in customer service anymore at any place.
Marianna of Clinton UT (07/23/08)
Applied for a FREE credit report and timed out on the site. Went back to apply again and would not let me.Today I tried and now have a lock out and told to print out the PDF and mail it in. This is ridiculous. Had no problems retrieving from Experian and Trans Union however the company applying for a same as cash account is using Equifax. Our credit is everything and this company is handling it in bad faith. Moving on to find someone to talk to about this situation.
C. of Reno NV (07/19/08)
On 7/10 I and my husband tried to open an account with Scotttrade online. I approved a hard check on my credit only through Scotttrade they informed me it would go through CSC credit services. I was asked to provide a monthly mortgage payment amount and a lenders (banks) name on my mortgage in order for them to completely process my credit check. I have never applied for any mortgage nor have I any records through the 3 major credit agencies on any such mortgages.
When I attempt to contact CSC it shows that they are a division of Equifax. My Equifax shows no mortgage I just requested it again to make sure though I have all my credit reports from the past 4 years. When I go to the CSC website it askes me to enter my zipcode , then it states that the state that I live in is handled by Equifax and then it redirects me to Equifax. Well, then why is it that CSC and Equifax have differing info on me? According to Equifax I have no mortgage account according to CSC I am fact am the proud owner of a fricken house and am making payments! I have written to the consumer reporting agency in Washington, Equifax and CSC.
My email ( not snail mail) letter to CSC was responded to by directing me to Equifax. I called Equifax they tell me there is not a record of any mortgage on my credit file. I have the credit file in my hand I can see that. I ask if there could be a mix up they tell me CSC is an affiliate and the info from what they are looking at should match up. They tell me to call CSC's number and provide me with a number for CSC. I call the number an automated voice gives me the address I recently wrote a real letter to (not snail mail) directed to CSC in Texas.
Doesn't CSC have to provide me with the consumer file they have on me whether they or Equifax legally own it ESPECIALLY since there appears to be identity fraud on CSCS side and not on Equifax. Please Help Me correct my CSC file which no one will even let me access just directs me to Equifax which has different info on me even though both are affiliates. How do I get my CSC info?
My husband (and I as a joint account holder) were turned down to open an account on scotttrade online.
Marlene of Houston TX (07/18/08)
They make every attempt to avoid making any corrections to the credit reports. There is no one to speak to, dead end phone numbers, putting you off, do it online on a system that is archaic and fill of dead ends and errors and now they are trying to have me call some other company to 'take care of it'.
Financial companies shoud avoid using them and Equifax should not be ALLOWED to sell products until they can do their primary business right.
After almost 4 hours, I still have an inaccurate credit report and no resloution on for my credit history.
Essentially, they promote identity theft by making people do it via us mail and online.
Marc of Irvine CA (07/18/08)
In July of 2007 I was denied credit due to Equifax's mistakes. They combined all of my brother's information under my name, including his name and address. It took me until October 2007 to clear this up. July of 2008 I was denied credit again due to the same problem. I have high credit scores 802 with TransUnion and 796 with Experian, but only 607 with Equifax. They did it again.
Denied credit and therefor unable to start an otherwise successful company.
Marcia of Columbus OH (07/16/08)
I called in to follow up with some disputes that were on my credit report. They talked me into signing up for the Credit Score Watch they told me I would only be charged $9.95 a month. Well they charged me $9.95 plus $119.00 plus $99.00. These charges sent my bank account spinning. I was never informed about the extra charges.
I tried many times to call their customer service line but was unsuccessful. I never got an answer, the automated line never connected me to a human. The automated system kept hanging up on me. I can not afford these charges, especially with gas being $4.00 a gallon.
My bank account went into the negative. I can not afford for these people to keep charging me like this. I am upset and I need them to reimburse my funds. The fact that I can never speak with a person makes it even more frustating. They open from 9 to 5 and I think they should extend those hours because people are usually at work during those hours. It just makes it even harder to contact them, and it is no good to call them on breaks and lunches because the time will be spent dealing with that stupid automated machine. I say these people MUST BE STOPPED!
Carol of Chico CA (07/16/08)
Here is a number for Equifax that works! 1-800-846- After days of frustrating deadends I found this number posted on this site and tried it, I actually got through to a live person and was able to resolve my problems. Thanks to the person that posted it!
Trevor of Morecambe OTHER (07/16/08)
Under Consumer Credit Act you can apply for your report at cost of 2 but Equifax cashed cheque and said they couldn't find it. When I paid 14.95 for my personal credit report I was offered a discount to 5.95 but Equifax still cashed 14.95 from my debit card. They had no difficulty finding my report then. If you go to their website and ask to see your Statutory Credit Report they link you to 14.95 page.
I had to pay 14.95 for a report that under UK Government's Consumer Credit Act I should have had for 2. When you complain they ignore you. I shall be going to UK Governments Financial Sevices Ombudsman. Not a lot of money but it Equifax is ignoring UK laws.
Joan of San Diego CA (07/15/08)
I was denied a job based on my credit, I could not match up whatever information (I'm guessing erroneous) to order my report for gratis. And because their bad information cannot be matched up on either the phone or the web I cannot get my report. All other agencies have been a breeze
I cannot use the Equifax report to correct the erroneous information
Richard of Fayetteville AR (07/12/08)
I use TrueCredit for credit reports from (supposedly all three credit reports) Transunion, Experian and Equifax. My problem is not with the scoring or the amount owed (that is very little, $1800.00 with roughly $50,000.00 across all cards for credit) but with the way Equifax reports. I have a very good credit score. Transunion 782 Experian 783 Equifax 785 The problem is all accounts shown on my report (TrueCredit NO payment history is shown for Equifax!
You cannot tell me that out of all these cards that NO ONE Including Discover does not report my payment history to Equifax! Balances are right. Payments are right. Everything is right except Equifax doesn't report payment history! It says UNKNOWN rather than OK that both other agencies report! Go Figure! TrueCredit assures me that it is not thier fault and it is the way Equifax is reporting. All Cards, I don't think so!
None. I just want my report to reflect (ON ALL ThREE) the true results.....
Christina of Punta Gorda FL (07/07/08)
I tried to order my free credit report but it will not let me create an account to view it. No customer service number in order to call. The only thing I get is a very lengthy uninfomative automated voice.
Can not view my credit report - I am supposed to beable to do this once a year for free!
Kathryn of Granada Hills CA (07/06/08)
I was attempting to get my 3 credit reports. I guess I misunderstood the 3-in-1 concept because I (obviously mistakenly) assumed that meant I would only have to fill out my information once and then I would get the reports from the 3 agencies. Instead, after filling out all of my information, I was directed to each of the individual credit agencies where I had to AGAIN fill out all of my information.
But that's not the point. I went through the motions with Equifax and then a screen came up with a click here for your free report link and when I clicked on it, it took me away from the report and instead directed me to register with Equifax and further instructed me to purchase a report. There was a link to see in which states the free report rule didn't apply. Isn't that false -- my understanding was that we are all entitled to one FREE report per year per company. It was very misleading.
After all that, I was unable to retrieve my report. I called their 800 number and the person I spoke to was exceptionally rude (sighing loudly every time I asked a question). I was finally able to retrieve the report but only after MUCH aggravation.
Charles of Alexandria KS (07/03/08)
In April when I lived elsewhere (for 11 yrs) and requested a free report from Equifax it said it would be 4 weeks. None received. I moved to the above address and called the toll free line and requested a report from all 3 bureaus. I received a request for my current license, utility bills , mail addressed to me etc from all 3 because I had just moved here. I sent this info to all 3 and this week received Transunion and Esperian but Equifax sent me a followup, even though I had sent all the info in response from their ltr, and said I had call the free request line. That would be 3 times complying with their request and so far no report. Should I contact the FTC?
Dan of Raleigh NC (07/01/08)
Equifax will not furnish my mandated Free Annual Credit report via annualcreditreport.com for three years, and does NOT respond to the written form mailed as per their request.
Matthew of Havre De Grace MD (06/29/08)
I had my credit report pulled and found that my SS# was incorrect on my credit report. I contacted Equifax by mail two times and still have not received a response. I provided Equifax with a copy of my Driver's License and Social Security Card. Still no response.
I am 19 years old and need this information reported correctly by all three credit bureaus. Transunion responded immediately and later Experian responded. But NOT EQUIFAX! I need help to get this straighten out.
Jeffrey of Clarksville TN (06/25/08)
Equifax has been reporting my credit information unto my son's credit report which resulted in lowering his score etc. We are 2 different people with different names, different social security numbers, date of births and he lives over 1000 miles from me. This has violated my privacy to my own financial affairs and ruin his credit report in trying to get a student loan.
Equifax simply does not care. If they did care how could they cross 4 very important thresholds to enter my information unto my son's? Equifax computer emails are a shambles too. 2 times I received results of investigation but have been unable to open and view. I went on the internet and got their fax numbers. the first 2 fax numbers no longer worked and I guess I was just lucky the 3rd one did.
They take any unvertifible secret and private financial information and place it anywhere without ascertaining whether or not such information is correct or not. They penalize you by taking away credit points when you shop around for interest rates from different lenders. They make it a real ordeal to change or simply update the real information. You could spend months in trying to correct something before its corrected which should have corrected in the first place. They don't care on whether or not its right.
Cynthia of San Diego CA (06/23/08)
I received my annual credit reports from privacy matters 123. My score on Equifz is 83 points lower than TransUnion and experian. With TransUnion and experian, I compare as very good and only fair/good with Equifax. I have been tryng for 2 hours to contact someone at Equifax unsuccessfully to discuss this. Equifax has a Discover credit with a late payment and I have never owned a Discover card.
To send an email, you need to buy a credit report as there is no Equifax referral number on the privacy matters 123. I just need to speak with someone soon.
My credit score on Equifax is rated lower than I deserve and about 90 points lower than TranUnion and experian. My credit score is vital and carefully managed and I want to keep it that way
Misty of Forney TX (06/17/08)
I went online to obtain a free credit report due to being denied credit. I went through 3 steps to obtain my free credit report. On step 3 of 3 it gives you a prompt to View and Print your Online File, however, when you click it, it takes you to the Member Login screen and ask you to login. Not one time during the 3 steps of obtaining my free credit report did it ever ask for me to set up a login account, so now it will not let you view your credit report. I searched all over website for a phone number or email account to be able to talk to a human being so that maybe I could get some help with this.
Only if you are a member (which you have to purchase a product from them to become a member - so what happen to free) can you obtain a phone number once you log in. This is ridiculous and something needs to be done about this. I have spent over an hour trying to obtain my free credit report. If they have a computer glitch, then they need to fix it immediately. If not, then they are not abiding by the law. The law states in Texas that you are eligible to obtain a free credit report when you are denied credit. And in my case I was denied credit and should have received a FREE credit report.
Russell of Tarpon Springs FL (06/12/08)
I was denied credit and under the law I can request a free a copy of my credit report. I submitted my request via Equifax.com. It prompted me to input information such as address and SS number after which the site stated I was available to receive my free report, however the site required you to log in to obtain the report. However, Equifax did not provide me with a password (Nor ever let me create a password).
I tried contacting them via phone for the Customer Service but was it is fully automated. I tried contacting them via other numbers listed on their site and go the same results. I am unable to obtain my report nor am I able to disbute any items on my report since I can not retrieve it.
I am unable to qualify for any loans or mortgages due the information that appear on my credit report at equifax.
Susan of Rockford MN (06/12/08)
CSC Credit has been manually manipulating my credit limits to purposely suppress my credit score making it impossible for me to obtain a mortgage. By dropping two of my credit card limits to 0, they effectively brought my credit card utilization to 110% from 70%. They've been manually changing numbers all during this month. Keep in mind that Equifax's biggest customers are the lenders and who gains by a consumer having a lower credit score - lenders. Someone needs to stop Equifax/CSC from manipulating credit files.
I have recently filed for a mortgage and due to the manual manipulation on 6/5/08 by Equifax/CSC I an now unable to qualify for a lower interest loan.
Nancy of Martinez CA (06/11/08)
After sending two emails that never got answered in a period of four days, I called three times today to cancel my account. First rep put me through a ten security question wringer to confirm my identity, then told me that it would take a month to cancel, that there would be one more billing. I challenged this and the response was that I had reached the wrong department and would have to call another number in order to cancel my account. This was after 20 minutes of requesting cancellation!
I hung up and called the number given and was told by the rep. that the system was down to call back in 2 hours. I didn't believe them, so I hung up and called the number again, the next rep. put me through several security questions then confirmed that my account was cancelled. When I asked for a confirmation number, or a confirmation email, I was told that that wasn't possible but if I went to my account online I would find it was disconnected. I did, not true, I was able to go into my account and see all my information. Obviously, I'm getting nowhere...their offshore customer help service is inept and it's like dealing with a computer in a loop. What do I have to do to cancel my subscription with these people!
As they are pain via my creditcard, they can continue to bill me forever!
Jt of Martinez CA (06/11/08)
After sending two emails that never got answered in a period of four days, I called three times today to cancel my account. First rep put me through a ten security question wringer to confirm my identity, then told me that it would take a month to cancel, that there would be one more billing. I challenged this and the response was that I had reached the wrong department and would have to call another number in order to cancel my account. This was after 20 minutes of requesting cancellation! Okay...I'm a sap...
I hung up and called the number given and was told by the rep. that the system was down to call back in 2 hours. I didn't believe them, so I hung up and called the number again, the next rep. put me through several security questions then confirmed that my account was cancelled. When I asked for a confirmation number, or a confirmation email, I was told that that wasn't possible but if I went to my account online I would find it was disconnected. I did, not true, I was able to go into my account and see all my information. Obviously, I'm getting nowhere...their offshore customer help service is inept and it's like dealing with a computer in a loop. What do I have to do to cancel my subscription with these people!
Adam of Seattle WA (06/06/08)
Equifax has my credit score 150 points below the others and it is because they are not updating my file. I spoke to the card owners that I have and they say they send the info to equifax but I can't refinance my house.
Experian and transunion have my credit score over 740 and Equifax is at 600. Need help, they won't answer any phone calls and will not write back!
Kathie of Chesterfield VA (06/02/08)
Equifax is reporting my mortgage THREE times for ONE loan, which has my debt to income ratio insanely high; they are also reporting my car loans TWO times each, also skewing my debt to income. I have not heard back from them about why this is so totally wrong. Both of the other two reporting agencies have it correct and a score that reflects my actual debts.
We are getting ready to purchase a second home and this will negatively impact our loan.
Purdy of Washington DC (05/27/08)
Dear Sir/Madam: I have tried to obtain my credit report from Equifax by Internet on their Website and by phone but was unable to reach them. I even paid for a copy of my report June of 2007 when I lived in S.C. and I also tried today. When I worked at Washington Radiology someone stole my Birth Certificate from my wallet and I am trying to see who may have used my name to purchase something that has been reported to a Credit Collection Agency in Greenville SC. Please help me to get in touch with Equirax.
Conda of Concord NC (05/19/08)
I noticed at the beginning of March that equifax began reporting a student loan eight times on my report. I had forgotten to make the first payment when my deferment period expired when I completed school. I made the payment after receviing a notice and have been on time every since. I realize this past due will be on my credit for seven years and this was three years ago. The problem is that I had a total of four loans that covered 2 semesters. Two subsidized and two unsubsidized.
Like I said this is three years old which is why I was stunned to see the information go from correctly reporting four times to reporting eight times. So for the 15000 I owe it loks like I owe 30000 and was late on eight loans. I only have one payment and as far as the creditor is concerned one account but Equifax requires creditors to break the account down to the lowest level to look as bad as possible. I have written Equifax and the original creditor to have this corrected and I keep getting letters telling me it is correct. I have even provided copies of the original loan agreement and have not received satisfaction.
When I asked for the proof they used in their findings, I was just ignored. I am the end of my rope. Like others who have complained, Transunion and Experian have the information correct and therefore my score is 100 points higher. I have reported this to the FTC and have not received a response so far. What am I suppose to do?
This is detrimental to my career. I work for a financial services company and because I work with money I cannot have this in my credit. I also am planning on buying a new house in a few months but I don't have faith this will be corrected in time. I also was denied for a car loan because of this information
Shane of Antelope CA (05/14/08)
Equifax is not responsive to my inquiries to disputes on my credit report; When compared to Experian and TransUnion, there is a difference of over 100 points in my rating. My credit union uses Equifax soley and as such has denied me on loan applications despite what the other 2 credit reporting agencies report.
After reading all of the complaints, isnt there something to be done regarding the poor customer response and unfair business practices?
Paying much much higher interest rates needlessly
H. of Greensboro NC (05/14/08)
Trying to keep your credit file safe and correct has turn into a full time job. What alot of people are not aware of is that Equifax system is merging files w/other people account. This error happen because of the way their system filters the informations sent to them. When you call them and ask them to take the time and look at the information sent to them by the creditor. They will tell you that NO ONE in the office can see that information and what is on my file is correct. When I told the Supervisor that I have spoke to the creditor and was advised they do not have my information and its a error on Equifax end. She told me they are lying and the only way they could get the information was from them. Also, I offered to do a 3-way call w/the creditor and them. She told me that she would disconnect the line. I thought they were suppose to help a person correct a errors on their account. I guess not. Oh and this is the craziest thing. On my file I have my first, middle and last name listed. Why did the supervisor ask me if I ever went by First and Last Name. I asked her was she dumb for asking me the question. I am not the only person this is happening too. Can we sue them ???
Now I am not able to get my home loan until equifax fix this error. I was in the 600s now I am in 400s due to the wrong information on my file.
Barbara of Detroit MI (05/10/08)
I attempted to get the free annual credit report from EQUIFAX. I was denied the report because I was unable to repsond to questions regarding a nonexistent mortage on my account! If in fact such a mortgage does exist then I really have a fradulant issue to deal with.
However after reading some of the complaints contained herein I feel that maybe the mortaage is nonexistent and perhaps is a glitch in the program for Equifax which after reading these complaints should be corrected! Thank you sir for the number you posted to contact Equifax. I'll keep you posted on whether I am able to obtain a credit report or will I get the run around as so many of you have.
Jorge of New York NY (05/10/08)
I have recently discovered a number of glaring errors in my credit report that is on file with Equifax. I checked them against the three agencies, and they were the only one out of three with the wrong data. For one, my name was mispelled, I do not have a middle iniital in my name. Even this one mistake can mix you up with someone else.
Two, They have me listed at two residences in florida in 2006 and 2007 that I have never lived in. I have been in New York for 35 years.
And three, they have medical information as negative information against me that is in collection, that does not belong to me. I find it very difficult to fathom how these agencies cannot be forced to update their information and directly contact the consumer yearly to make sure all their information is correct. This is literally a case of the wolves watching the hen house. They do not have our best interest at heart.
This has resulted in a very low Fico score, which undoubtedly being caused by the collections. The other agenices, Experian and Transunion, who have accurate info, have me at a much fairer and much higher score. If anyone were to see my equifax score, i would be considered a very high risk person with a poor credit history.
Donna of Cordova TN (05/09/08)
I have disputed an item on my credit several times in the past three years knowing that the company did not have any personal information or signed documents to validate that the debt was mine or if it was accurate. Equifax claims to have verified the debt simply by giving the creditor all of my personal information including my SSN, DOB, Previous Address, and Current Address without regard to my personal information and privacy. The creditor should have had to verify the information was correct prior to receiving just as the consumer does prior to gaining access to their report.
Due to this item being incorrectly reported on my credit I am being denied a loan on an investment property and loosing $2,500.00 in earnest money paid when the contract was signed. I have also been charged higher interest rates on several accounts and denied credit from other finance companies. I am beginging to invest in real estate and will be forced to pay an above average interest rate on any properties i obtain because of it!! The damages of this can be devistating.
Rns of Rns GA (05/08/08)
I used Annual Credit Report online to get my free report. I decided to do one at a time so I chose Equifax first. So I believe it redirects me to Equifax where I can get my report from them. Well when it printed it out some of the accounts where duplicates, triplets, or quadruplets. They had the same information, same amount, same open date, etc. They were correct but it just seemed odd that they were being listed more than once. And in the credit summary part it actually totaled to the duplicate or triplet amount (ex. I have one account for 5K. it reported that I had total 3 accounts and the balance was 15k). Just seemed odd.
So I used the Dispute phone number they give you and I called Equifax. I told them my report seemed odd and it was showing same accounts more than once. I gave them one of the accounts that showed up three times. Mr. Linard, Lynard, Leonard (not sure which one) said that his up-to-the-day report only showed the account once. I asked how come the report I was shown four days ago online had it duplicated several times. According to him that report came from the Central Source. He asked me what I used to get my report. I told him I went through annualcreditreport.com and it redirected me to their site. He kept stating that they pulled it from the Central Source but that my report with them was correct, no duplicates. And get this, right away he stated that I could sign up for a credit monitoring program from them to make sure my credit file stays up to date.
At this point Im still trying to figure out why the report I received online had duplicates, I thought I was redirected and sent straight to them to get the report straight from them, is that not how it works? I still dont know what he meant by Central Source. So I asked him about all my other accounts and verified that there were no duplicates. Well there were no duplicates on his report but of course he said that instead of paying 10 dollars to get my report to verify no duplicates I could check it myself for 30 days free if I signed up for the monitoring program at $15 a month. I said no thanks I dont want a program from them. I just felt cheated because I had just received my free copy and it wasnt totally correct.
Now he said I had to pay $10 to see his latest copy. Ridiculous. Are they resorting to some kind of scheme to get people to sign up for their monitoring program. How low can they go. They should be ashamed. I wonder how many people are calling in and actually signing up. And I wonder who the Central Source is. Does the redirect not work the way I think it does. From what I have heard, Im never signing up for their programs and Im informing everyone I know.
Anthony of New Berlin WI (05/08/08)
I have had a Menards credit card for a couple of years with no problems.I have paid my bills on time, and most of the time retain a low balance. However because I remodle I do use the card. Again I have never had a problem being late, or not paying my bill. Suddenly I received a letter in the mail from Menards telling me that because of my equifax report, my credit is being reduced to 100.00 from 1500.00 with no explanation. I called the store and they would not give me any information, and to date have refused to send a copy of my credit report. I'am very upset because all my bills are paid, and I know there is no negative activity on my account that would constitute a large deduction in my credit, I have many cards of which I am paying off to increase my FICO score.
Economically, I cannot just walk into the store as usual and make my purchases for the property, further I feel violated, and I feel I have done something wrong of which is embarrassing to me. And why just this card out of the blue, what about all my other credit cards I have no problems with them.
Nicholas of Huachuca City AZ (05/06/08)
I paid for a online credit report and did not recieve it so I paid for another report and did not recieve it either. un able to dispute items in credit report. Un able to contact a real person.denied acces to my report. I was refused a loan due to information in a Equifax credit check that should have been removed years ago.
I was refused a home improvement loan due to information that is on the Equifax credit report and should haven been removed years ago
Kevin of Atlanta GA (05/05/08)
The company I own has done business with Equifax for over 15 years. Recently, our ability to access credit reports on potential customers (we loan money) was halted, without warning OR notification, because the company said we owed them money and was behind over 90 days. After digging and then sending the correct info. to Mr. Law, they admitted that we owed nothing. These people manage our credit bureau reports and associated payment history? They cannot even keep up with the small stuff!
Legitimate Complaint #2: Equifaz is now charging a minimum amount of $100.00 even if you run no reports during that 30 day period. This is abusive and is likely in violation of some portion of the AntiTrust Laws. I want something done about this kind of thing! This is a blatant example of price fixing--ILLEGAL--because they are clearly taking advantage of customers in our SE regoin who do not have to ability to run credit information with anyone BUT Equifax. There is a violation of free trade provisions and violation of the Antitrust statute, in the sense that they force hig prices on fompanies that have no other option. Federal AND state law speaks to this issue. Equifax is unresponsive to customer problems and convey a sense of being the :high and mighty of the world.
The inability to pull reports on certified, signed applicants potentially cost us $100's of thousands of dollars. Discriminatory pricing violate every law in the book!
Kevin of Atlanta GA (05/05/08)
The company I own has done business with Equifax for over 15 years. Recently, our ability to access credit reports on potential customers (we loan money) was halted, without warning OR notification, because the company said we owed them money and was behind over 90 days. After digging and then sending the correct info. to Mr. Law, they admitted that we owed nothing. These people manage our credit bureau reports and associated payment history? They cannot even keep up with the small stuff!
Equifaz is now charging a minimum amount of $100.00 even if you run no reports during that 30 day period. This is abusive and is likely in violation of some portion of the AntiTrust Laws. I want something done about this kind of thing! This is a blatant example of price fixing--ILLEGAL--because they are clearly taking advantage of customers in our SE regoin who do not have to ability to run credit information with anyone BUT Equifax. There is a violation of free trade provisions and violation of the Antitrust statute, in the sense that they force hig prices on fompanies that have no other option. Federal AND state law speaks to this issue. Equifax is unresponsive to customer problems and convey a sense of being the :high and mighty of the world.
The inability to pull reports on certified, signed applicants potentially cost us $100's of thousands of dollars. Discriminatory pricing violate every law in the book!
Lynn of Pittsburgh PA (05/02/08)
I was linked to Equifax by the federal trade commission website to get my free annual credit report. Equifax did not have a free report as an option! All they did was try to sell me their products. They would not give me the free annual credit report. When I tried to order it, i needed a user name and password and the only way to get a user name and password was to pay money!
I cannot get a free annual credit report. I have not seen my credit report or ordered one in 3 or more years!
Rafia of Cleveland OH (05/02/08)
I was one of these people who was worrying about become an identity thief victim. So I opened an account on Equifax to let someone to guard my credit cards and personal informations for me and get alert if some suspicious activity happens under my name or my credit cards. Anyway, I have been using my debit credit card more than 10 years and never had problem with it until last week(4/18/2008) I became a victim of identity thief right after I opened an account on Equifax. Someone stole my debit credit card information and used it at one of gas station in Florida took over 900 dollars from my checking account. Equifax didn't even alet me about all these suspicious activities on my debit credit card.
That identity thief started to take 75.00 dollar each time and then raised it to 100.00 until he took all money from my checking account and Equifax didn't even notice and alert me about it. I noticed that my money was gone when I went to get money at atm. Most important thing is I gave that debit credit card to equifax to get my member fee automaticly from there. I believe someone inside of equifax is selling out equifax customers informations. People like myself are trusting them enough to share our credit card numbers, driver license numbers and all other private informations but they don't even do their job. If they did they would stop that identity thief before he took more money from my account because he took all that money 2 days.
I believe someone from equifax sold out our private information and someone who works at that gas station able to get money from my checking account by using my debit credit card's information without having my card. Please help me on this problem to find out whoever done this and alet all other people, who would trust equifax to open account on there and give them all their private informations. It's not a trustworthy company. Thank you in advance for your help.
Jacob of New Orleans LA (05/01/08)
great big general complaint about immoral and what should be illegal in this country - why is it that when i was 18 years old with no job, no credit, and no responsibility equifax happily assisted credit providers in raping me ...and now i'm a grown man with a household income above $50,000/year and i can't finance a paperclip. this whole situation is totally out of control in this country - and its time we all organized against it, and not by writing letters to each other on the internet. as long as we stand for it we're going to keep getting it. its everything from bad information on our credit reports, to offers of credit with 26% interest rates, giving credit to unemployed children who will default then denying credit to responsible adults.....
i apply for credit before purchases in an attempt to fix my bad credit from over 10 years ago!i get denied, so i pay cash out-right for everything, have they not picked up that i make lots of money now - i know, its because the real money is in giving single mothers and unemployed people credit cards so they can finance charge them to death.
Scott of Cincinnati OH (04/30/08)
I was on the internet and was looking to get a credit report. I was doing three things at once and clicked on the Bill Me Later link. I new right away that this was a free service and called Equifax to Cancel whatever I orderd. I then was told by the rep Victorya that it would be no problem and it was canceled. A month later recived a bill and it stated that I owed 14.99. I called Bill Me Later and and they said Equifax had to send them a cradit. So I called Equifax and they stated that the credit had been sent over. I Get another statement from Bill Me Later the following month. I called again and they stated no credit was sent.
I call Equifax again and they stated that no credit was sent, but if I send the bill to them from Bill Me Later it would be corrected in 24hr. I sent the bill in. Now it is March and I get another bill. I called Equifax and they stated that nothing has been done at all to this. I spoke with a superviser Dewite who assured me that he had sent it down to the Billing dept to get this fix and it would be done in 3 day. Dewite stated that I could call and ask for him if it was not fixed. I wait five days and I called again. I asked for Dewite and they tell me that it is a big company and they don't know who he is.
Then I spoke to another Supervisor named ANN. She said that nothing was done and she would take care of it and it would be fix in 3 days. I then called again and spoke to Jessica and she said nothing could be done and I just have to wait. I recive a email from equifax in April that they had recive the information. It states this is to show you that we have recived information on a refund. This will take aprox 5-10 days. So I called after that 10 days and they said they had not gotten any informaiton from me. I send it again and they show that it would they did recive it. They keep telling me that I have to call Bill Me Later to get the credit and Bill Me Later tells me that they have to get it from Equifax.
I tried to to a three way call with Equifax and Bill me later and they stated that Equifax would not talk to Bill Me Later. This whole thing is just trying to get my credit report and 14.99. Equifax refused to do anything to help and said call Cunsumer Affairs if you have an issue. As of right now, Bill Me later says I owe them 14.99 and it is going to start affecting my credit. What els can I do/
I belive that this will affect my credit
Tami of St Paul MN (04/30/08)
Equifax continues to report the wrong information on my credit report despite the information they are given from the creditors. From two different companies the info is wrong and unless you have many hours in a day to deal with this they make it impossible to resolve it with them.
Because of their reporting, I am haveing a very difficult time obtaining new credit with creditors.
Michael of Avondale AZ (04/26/08)
Denied Car rental in Pitts. because of Equifax. No one could tell me why. Buget gave me a card that says I was denied because of the credit report provide by Equifax.And they couldn't tell me why? So I got on line with Equifax and tried to get a report but.. they couldn't provide it agian.. so what can I do? the report will probally say nothing> Just as the last one report did, no bad mark .. I'm I powerless to battle this monster?
I don't need this aggravation, working 6,12hrs days and building a house.
Edith of Winder GA (04/25/08)
I wasnt allow to view my credit report
David of Plano TX (04/24/08)
I had noticed that several credit card companies were sending me change of Terms notices informing me that they were going to increase my maximum interest rate due to changes in my credit score. I pulled all three reports and discovered that Equifax had rated my score 100 points less than the other two reporting agencies. A review of all three reports determined that they all had essentually the same information. i have a perfect payment record and excellent credit to income ratio. To get to actually talk to someone in customer service required that I purchase one of their products.
In my case it was $15.95 for my credit score and several benefits including access to customer care. After a brief discussion of my questions and concerns, the customer care representative admitted that she had no idea why my score would be 100 points less if all information was equal but recommended the purchase of another product to ensure that I was advised immediately of future changes in my credit score. It is long overdue for the federal government to take a serious look at the credit reporting industry and make changes to protect consumers from compaines like EQUIFAX.
As a consequence solely of the Equifax report with FICO score, I have had 4 credit cards seek to raise my maximum interest rate and a refinance loan was denied. Additionally, while my credit score from Esperian and TransUnion would have made me eligible for a very low promotional auto finance rate, the equifax score made this impossible.
Mary of Savannah TN (04/24/08)
My credit score went from 795 to 548 in 8 months due. I called each of the creditors added to my report and found out it belonged to someone else. It wasn't identity theft. The creditors sent their data electronically, and it was Equifax who made the mistake. Now Equifax is telling me it will take 45 to clear it up. I have spent numerous hours finding the number to these creditors and trying to figure out what happened. I was in the process of making a huge investment and this now has delayed it because Equifax will not correct it sooner than 45 days.
I'm a computer programmer and know how this works. They should Always match first & last name, date of birth, and SSN before adding something to a report. If I wrote a program that put an employee's pay check into someone's account and the company told you it would take 45 days to correct before getting your money, how would that employee react? Same goes with a credit score. Since so much is reliable on this score, Equifax should be held responsible for their mistakes. I have a credit report from May 2007 and these accounts were not on that report, and they were opened prior to 2007, so that tells you that Equifax had a computer glitch and just moved someone's else bad debt to my report.
To me, my credit score is like my pay check each week. I have spent numerous of hours researching this and I have been stressed over it. The biggest thing is I was in the process of making a huge investment and now that has been put on hold.
Lauren of Moorpark CA (04/16/08)
Credit report contains 3 glaring errors (e.g., still uses my maiden name though I've been married 7 years). I requested an investigation. Equifax e-mailed me a 2nd notification of results (I never received the first), requiring me to log in to a particular site. I did so and repeatedly was denied access. The posted phone number did not provde access to assistance. I then called the phone number on my credit report. The agent said she couldn't help and told me to call another number. That number was no longer in service.
Besides wasting perhaps an hour in trying to fix errors in my credit report, I suspect my credit rating has been damaged by the errors.
Major of Washington DC (04/13/08)
I was able to get my free credit report from everyone but Equifax. I made my request and was sent a letter on January 5, 2008, saying the information provided did not match what they had on file. The letter (010502488-FLT) requested additional information which I provided from the list they sent. No other agencies had a problem but after providing the information, I have not heard nor been able to contact a live person regarding my request according to the FCRA. It appears they do not wish to comply or they feel they are above the law.
According to FCRA, I want to know what is in my file and what Equifax is providing regarding my credit.
Michael of San Jose CA (04/09/08)
In October of 2005 we built a new house in Wisconsin. Our son and his family live in the house for now. We had a construction loan with Bremmer bank and we were told that a national mortgage company would take over the mortage soon after the house was occupied. The house is located in the country on a county line road. The Tittle company says the house is one address and the USPS says it is another.
countrywide bought the mortgage from Bremmer bank and began sending notices to the address that the USPS says doesn't exist. Five months go by and we have been making payments faithfully and on time to the Bremmer bank. The bank never told us they didn't have the mortgage anymore. forclosure came in a visit from the Deputy Sheriff. We finally got Bremmer to give countrywide all the moneys and countrywide removed the negative reports on our credit. Our credit had been in the high 600's before all this happened. It is in the low 500's now and had never gone back to what it was even though countrywide said it would. I pay my bills, but my credit cards are all high interest now and I tried to buy a new car and have to pay 13% interest. Why? Why? Why? I make more money than I spend?
I have one negitive report on my credit and that is not mine but my daughter-in-laws and we are working to remove it. This costing me a fortune Can I sue?
Carl of Riviera Beach FL (03/30/08)
Annualcreditreport.com is supposed to provide a FREE credit report from all three credit companies. However, Equifax doesn't let you view your free report anymore. When you log on annualcredit report and choose to get your free Equifax report you are directed to a page that says you must log in. Now if it's your first time you need to register first right? Well they don't give you a place to register. The trick is, they say you must Purchase one of their products to become a member. What ever happened to you being directed to them through annualcreditreport.com? They make you buy one of their products to register to see your Free Report. Somebody please look into this and see for your self.
I am going to contact the FTC about this.
Amir of Naperville IL (03/28/08)
There is wrong information placed on my credit report by equifax . The accident happened in 2004 and police give the ticket and liability to other party. But Equifax does not investigate and placed the collection on my credit report. I have shown them so many times that the original police report in which it is clearly mentioned who is responsible for the accident and who has to pay. The other credit bureaus, Experian and Transunion have already removed the collection a year ago. But after requesting many times, Equifax has not done an investigation and has not doing anything to remove the $80 collection.
1) I have applied for business loan it is denied because of this collection. 2) I applied Line of credit but due to this it was rejected. 3) My credit score is very low as compare to other bureaus thus causing the denial of application in every credit granter.
Tony of San Marcos, TX (03/25/08)
I was denied a credit card with Bank of America. When I tried to access my free credit report, I was given the runaround, and hung up on (7 times). I had to go through a big registration process, then told my password did not match my user name. I was never ask to create a password.
Mike of Saint Petersburg FL (03/13/08)
i am trying to get a home loan. Equifax will not remove a public record of chapter 13, wage earner plan in federal ct., in florida. This was filed in error and dismissed and they have been given a court certified copy of the dismissal. Experian and transunion have deleted this from my credit report but equifax absolutely will not, saying they could not use my court document. They have knocked my score down almost 100 points. To go further, they will only let FL residents use 100 words in their complaints while some other states allow their residents 200 words. This system is flawed and it has different rules for different people.
Adam of Estes Park CO (03/10/08)
I was sent a link to free credit report.com. I answered this email, checked my credit report and was then signed up for a monthly service, unbeknown to me. I was traveling and did not check email or mail and when I returned home I was sent a bill telling me I was delinquent and charging me $68.95 for a free credit report!
Judy of Lakewood OH (03/10/08)
They and (almost as bad) Bank of America were both involved in my problem: B of A tried to raise my APR, gave a reason of history of delinquency with your creditors. To my amazement, as this is not true. Info was furnished by Equifax. I decided to order my free annual credit report that supposedly comes from all 3 reporters, and Experian and Trans Union actually sent me the reports; our friend Equifax was looking forward to assisting me, but alas, the information [I] provided as proof of [my] identity does not match [my] information currently on file. Imagine that.
Being naive, I started running through the little maze that Equifax constructed--I sent them a copy of my driver's license and a W-2 form (A copy of one item in EACH of the categories below)! I sent this, as directed, with a copy of their letter to the address they directed it be sent to. After a while Equifax sent me back an inane paragraph of a letter saying they received my request for a copy of my free credit report, however, for proper attention, you must send your request to the Annual Credit Report Request Service on the Web, they admonished me. Still not quite getting it, I played their game on their web site for a while; it doesn't take long, though, to realize that the impenetrable wall they have erected to keep you from talking to, or even e-mailing with, a person, is no small trick of the trade--it's part of a very clever and diabolical culture with the payoff huge and the punishments taken.
I don't know yet if Bank of America will succeed in raising my APR based on false information from Equifax. They say they received my rejection of new terms, but we'll see. Whatever this false information is may be is costing me in ways I don't even know--yet.
John of Fishers IN (03/10/08)
I have run my credit report and have disputed a few items on the report. They said it takes 30 days for a dispute to hit the report. However, if you pay a bill off shouldn't that show up right away? They put opened accounts on the report immediately. Why does it take so long to show an account being paid? I am trying to refinance my mortgage and I have paid off some credit cards, so then tell me why my score dropped? I did not open any new account. Why does Transunion and Experian show much higher scores for me and Equifax is 100 points less? This does not make sense. When I call and ask them, they just keep putting me off to say there is nothing they can do and that is just the way it is. This is the WORST reporting agency I have ever dealt with!
Clive of New York NY (02/26/08)
As every year, I downloaded my annual credit report from the 3 agencies. When I attempted to access my file online from Equifax, I got a message saying that internet delivery was not available. The site gave me 3 possible reasons, one of which was that there may have been a fraud alert entered on my file. That gave me a lot of concern, and I attempted to contact Equifax. But I had no luck - without a confirmation number I could not speak to anybody. All I could do was mail-in my request, which was a hassle, because I had to send copies of my social security card and utility bills. When the report arrived I could see nothing on it that would have caused a problem with my accessing the report on line - ie. there was no security freeze, fraud alert, etc. With a confirmation number now in hand, I called one of the representatives. He could offer no explanation for the problem. I asked him for the name of Equifax's regulator, so I could make a formal complaint. I was told that that information was confidential, and he could not disclose it! I said I wanted to complain about the standard of service from Equifax, and asked to whom I should direct my complaint. Nothing was forthcoming. Internal legal counsel? No success. I was given a toll-free number to call, in order to speak to web solutions department. Well, I have been on hold for 30 minutes, and even if I get through I am not hopeful that my issue will be resolved.
Being notified that my credit file could not be accessed because of a potential fraud alert, caused me significant concern and stress. This was made the worse because I could not speak to a representative without a confirmation number. I had to wait for 10 days while Equifax prepared the report and sent it to me in the mail. If there had been a security freeze on my file, or an active fraud alert, it could have affected my credit standing, and potentially denied me access to credit.
Robert of Canton GA (02/15/08)
I am up for a new job that requires a credit check. However whenever I go to Equifax.com or freecreditreport.com or anywhere else, I cannot open their page; it gives me an error. The main problem is (note other people complaining about the page being down) it was the same last year when I tried to get my Equifax report. Exactly the same. (To the man from GA who was saying he had a release letter about the 1994 taxes that he couldn't get a mortgage--you can sue Equifax under the Fair credit Reporting act for a misreport on many things, but thats one of the key ones. I would contact Equifax and let them know you will be filing suit if they don't correct it. It helps to let them know your or an attorney's name to put a sting in your stinger.) THAT IS ILLEGAL. I will be doing the same if this affects my employment decision in any way.
I will not get a great paying job with benefits and all the +'s with a great company, which means I won't be able to support my family.
Joseph of Dawsonville GA (02/11/08)
I have called Equifax numerous times to find out why they won't give me an online copy of my FREE credit report. I keep getting a recorded message that explains NOTHING. The few times I have been able to talk to a human, they act like they don't know anything about it and connect me to the same INFORMATION recoding. I had no problem pulling reports from Transunion or Experian. Why with all the negative consumer complaints against this company are they still able to ruin peoples lives like this? I need this report to dispute items that are being falsely reported on my report. I do not have a fraud alert or anything thing else on this report. I need something done about this, Can anyone help, please?
I have been turned down for a mortgage because of a so called tax lien from 1994 that Equifax still is reporting on my credit file. The worse part about this is I am holding in my hand a letter from the town clerk of that tax lien stating those taxes were paid in 1994 and should have never been reported as a bad debt. There are numerous other mistakes on this report that I have cleaned up with the other 2. This has caused me great financial havoc and almost a nervous breakdown with frustration. How do they sleep at night knowing people are counting on them to get this very important part of a person's life right and they try everything possible to mess it up? I will not rest until I am made whole on this. Someone step up and help us. Please.
Gene of Sanford ME (02/11/08)
I received my free credit report from Annualcreditreport.com, and got my credit score from Transunion and Experian, but not from Equifax. I then went to their site and signed up for what I thought was a free trial, only to find that I was being charged for $14.95 for the exact same thing I had just received for free. Getting my score apparently would be another $15. I then tried to contact them about getting a refund, twice by e-mail and once by phone, and never got a reply or a chance to speak with a person. I only got to hear the same recording at least 5 times, and I wasted most of my cell phone's minutes doing so. It may only be $14.95 to some people, but they seem to be doing this sort of thing far too often. I am also on disability, so $14.95 isn't something I can simply throw away.
Loss of almost 15 dollars and the anxiety of having to deal with this situation.
John of White Bear Lake MN (02/05/08)
I submitted a request for our free credit report. I received a reply stating that my information was incorrect and needed more information. They changed my name from John to Joan and changed an e to an a in my last name.On my wife's they changed some letters, also. In our street name they stated the address was incorrect. After reviewing my copy of the forms, I could not find any reason for these errors. They did however give me an opportunity to get my credit score for $7.95. It seems this is nothing more than an attempt to charge a fee for the report.
Dianna of Derby KS (02/01/08)
I disputed a lien that had been paid and released since 1995. CSC, an affiliate of Equifax, sent me notification that the lien was being deleted in November. I have been unable to get this off my credit file. I have made numerous attempts to talk to Equifax; they just keep giving me telephone number for CSC credit that has a prerecorded message and disconnects. I tried to get the direct telephone number from the phone book; all numbers given by information services are no longer in service This company is committing fraud by giving out data that is illegal. Is there any way I can assist in putting them out of business?
Kevin of Temple Hills MD (01/27/08)
I saw their (Equifax) free credit report banner on Comcast.net's website, and decided to get my free report as required by law in my state (MD). That statement was a part of their advertisement banner. After filling out all of the personal (and required info) to include SSN#. The website informed me that it could not give me the report, and that I need to call a 1-800 to get it.
I called the number listed on the website, and a recording citing the free report required by law in my state disclaimer, immediately stated that it will cost $7.95, plus I need to give all my personal info once more to the recording. I promptly hung up. I am exceptionally frustrated, and would like to speak a state regulator, or attorney if possible - TO GET THE FREE REPORT. Thanks
Karen of Smyrna GA (01/24/08)
I have 1 collections history on my credit report, but it was a huge misunderstanding with the insurance company, and after several years of battling with them, the collections agency said it was cleared up and would be removed from my report. So, one day when I was checking my report through Equifax, I saw it was still showing. I submitted a dispute against this, entering a consumer statement. Little did I know that Equifax would take that statement and turn it into a fraud alert on my report. I have recently been denied service from the gas company, a cable company, and the power company when I moved to a new city, only because they see this alert on my file. I've been trying to contact Equifax for months now, and have never gotten the correct number. I JUST recently found a good CUSTOMER SERVICE NUMBER for Equifax.
Lesley of Arlington Heights IL (01/23/08)
Equifax websit offers many products. After purchasing 3/1 monitor w/score power for $39.95, I had trouble logging on. When I called the rep, who was very nice, helped me with the log on, but then told me the product I bought was good for only 30 days. I assumed it was good for a year! He said it wasnt and tried selling me a year as a favor for $99. I asked him where in the site did it explain how long this product was good for and he said it should show up after I had submitted all my personal and payment info. Then he tried to sell me one month without fico score for $12.95. I just wanted to cancel the entire package, since I can get a free report once a year. I take issue with the fact that the company doesnt disclose the full contents such as the duration of their product in a place where it can easily be read before entering personal info. As a test, I tried to reorder it again and I still couldnt find the length of time disclosure. I cancelled it and the rep credited me back.
There was no damage to me, but for customers who might purchase you should call first ask how long the product they are purchasing is good for.
Brett of South Vienna OH (01/16/08)
I was contacted by Cold Stream, a mortgage brokerage company. I was informed that Equifax had sold them My Credit info and that they (Cold Stream) wished to get me a better rate on my mortgage.
As credit requests are made they lower your credit score. Why is Equifax allowed to sell this info when it was not requested by me?
Jeff of Pleasant Grove UT (01/03/08)
This Equifax Co is one of the worst companies I have ever tried to deal with. Trying to get my free credit report has been a nightmare. I only clicked credit report. I did not ask for my score (which would have cost). It did ask for my visa number which I gave because it would let me proceed to get my free credit report, then it charged me $7.95. It is the principle of the thing that a company of this size can get away with this. How can I get my $7.95 back from Equifax? I'm an experienced online user and was very careful not to check anything that would cost money (like the score). Of course Equifax makes it virtually impossible to contact them.
Joel of Lawrenceville GA (12/24/07)
Equifax makes it impossible to contact them by phone for general customer service questions. Are they not supposed to make it reasonably easy to get in touch with them?
The damage is I have no answers to important questions about my credit.
Marsha of Elkview WV (12/20/07)
I called Equifax requesting information about their report. I spoke with a person named Hazel a received no helpful information. I asked to speak with her supervisor and was connected to Cherlene. She provided no helpful information regarding persons who collected the information and who they obtained it from. I asked for information regarding the persons I could talk with at the court house. The statesments that she made regarding a person from Equifax went to the court house on 12/13/07 to collect the information. I asked for a title of the person, I did not need a name, and was met with no helpful information.
I am contacting the Medina Court House again. I find Equifax's responses unacceptable since the are reporting incorrect information and seem to have no desire to provide factual information. This kind of reporting should be corrected.
Angela of Wappapello MO (12/10/07)
I can't get through to Equifax to make disputes on my credit report. I can't get a loan becuase of wrong and out-dated material on my credit report. I have disputed online and have gotten absolutely no reply. This should be illegal. How they are ruining people's lives!
Julia of Staten Islan | 
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