Equifax

Your Credit • CreditReport.com • Free Credit Reports • Equifax • Experian • Trans Union • Consumerinfo • Freecreditreports.com • Certegy • Chexsystems --- News • Feds Spoof Bogus Credit Report Offers • FreeCreditReport.Com Is Far From "Free" • Equifax Settles Consumer Protection Charges in Indiana • Washington Improves Credit Freeze Law • Should You Place A Freeze On Your Credit Report? • How Are You at Managing Your Credit Score? • Consumer Understanding of Credit Scores Remains Poor • TransUnion to Provide Credit Scores to Millions • Class Actions Challenge LifeLock • FreeCreditReport.com Can Get Expensive • Children Becoming Prime Identity Theft Targets • Study: Seniors Not Familiar With Credit Freezes • Feds Propose New Rules for Credit Bureaus • Experian To Offer Credit Freezes To Consumers • Two Credit Bureaus Offer Consumers Credit Freeze in 50 States • No 'Free' Lunch on Credit Report Sites • Insurer Unlawfully Poached Consumers' Credit Reports • ConsumerInfo.Com Settles FTC Charges • Rep. Frank Promises Hearings On Credit Bureaus • PayPal, Equifax Team Up To Offer "Free" Credit Monitoring • Free Credit Reports Available Nationwide Starting Sept. 1 • Marketer of "Free Credit Reports" Settles FTC Charges • Credit Bureaus: Biggest Threat to Your Identity • Escape From Plastic Prison • Experian, ConsumerInfo.Com Named in Class Action Suit • Free Annual Credit Reports Required by Next Year • Big 3 Charged • Trans Union Ordered to Stop Selling Consumer Data • Equifax in Trouble Again

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:

Elizabeth of Carrollton, GA November 14, 2009

I bought a credit score and report in February 2009. For 8 months they said they could not verify the account which meant they couldn't send me a report. They also couldn't cancel my monthly fee since they couldn't verify the report. I called each month to try to cancel the report and they refused. Finally in November I got someone to verify the report so I could go online to view, and once I got to equifax.com it said I had to pay another 14.95 to get a report. I just want my money back for the 120.00 they have taken from my account.

Dr of Harrow, United Kingdom November 3, 2009

Argos Mastercard rejected my application for credit card quoting adverse credit report from Equifax. To check I took free check of Equifax. Saw nothing wrong. Opted out from my subscription to equifax 3 days before first month ended going on their website. Tried to call equifax. No one picked up the phone. Equifax went ahead and took £6.95 from my Credit Card. Has asked my Credit Card to recollect the amount and block any collection by Equifax in future.

Frank of Homosassa, FL October 22, 2009

I have been trying to get them to remove a disputed item. It is a federal tax lien filed 10/92 and states the last refiling date as 11/96 which they did not do. However, I paid the lien off and furnished Equifax with a notarized statement from an accounting firm. I have talked to several people but I can barely understand them. Last week on the same day I spoke to 2 women who told me the item had been removed from my file. Then Suntrust mortgage pulled credit reports a week later and found it is still on there. Nothing I say seems to matter and all I get is a wait, wait. I am at the point of hiring an attorney to file suit against them. In the meantime, our mortgage application cannot proceed as long as the disputed item remains.

Marie of Vancouver, WA October 14, 2009

I foolishly am a member of the Equifax triple rewards program, which I refuse to renew. After four days of lengthily phone calls, including speaking with supervisors, Equifax can not figure out how to unlock my credit report. I am an upstanding consumer who is fierce in regard to my finacial standing and now can not apply for a loan for emergency home repairs.

ervine of decatur, GA September 24, 2009

Equifax is reporting falsely to my potential lenders,has been doing so every since april 2006.Although,the company had requested them to remove their reporting about me.

TAMARA of PANAMA CITY, FL September 16, 2009

I filed Chapter 7 Bankruptcy 08/2008, which was discharged 12/18/2008. The only account I held reaffirmed was my automobile with CPS, Inc. As it is, my credit is rebuilding because of bankruptcy. Unfortunately, Equifax shows my account with the car under Chapter 7. I have disputed this with them 3 times and they have not corrected my report. The first time I disputed, they took 29 days to update the dispute. They updated every dispute I made except the car.

The 2nd time, they claimed it was being reported correctly. Thats not possible, I get a statement each month, call for payoffs, and have made every payment on time since my bankruptcy. I also spoke with CPS, INc. and they have no knowledge of Equifax's reporting. This 3rd time, I have not gotten any response, and they don't have an open customer service line in which to make complaints to a real live person.

Angelique of Collingswood, NJ September 11, 2009

I am baffled as to the new procedure for disputing on line with Equifax! Having to fax in information within 24 hours of the dispute is perposterous. If only 50% of Americans have computers; how many have access to fax machines? Moreover, at the rate of inaccuracies which seem far higher on the reports of those who live at poverty line or less; how many of these people have the documents that they list as necessary? In one word, ABSURD!

My second complaint seems to be echoed on the topic and that is the nonexistance of a phone number to reach a human being at Experian! The fact that you have to have a report inorder to have a report number yet many people are trying to call due to a random security freeze that only a live person could assist them to remove is a cruel joke.

Those of us who have the money to purchase a report might concede out of exhaustion. What alternative do those who do not have the money to order a report do? These barriers beget apathy. The last thing that our world needs is one more person throwing up their hands in defeat. How do we expect the current downward spiral of our economy to improve when we create road blocks for those who are living in (fancied* or real) debt attempting to do the right thing?

These companies do all that they can to impede the people's legal rights in order to make a fast buck. What I tell my students is that this is all the more reason to fight the good fight; demonstrate patience and vigilence until they have what they need to make a better life for themselves. One of those things would be their credit report.

erwin of las vegas, NV August 29, 2009

i have a credit monitoring product with this company for about 1 year,my credit score with them is 670 everytime i check my credit score every single week,then i cancelled my credit monitoring product after 1 month i get a new product offer from my bank account,i was so mad because equifax messed up my personal information my name and other info.and my credit score came down to 607.

Monika of Slidell, LA August 24, 2009

I was a loyal customer member for the past 3 years and as long I didn't need any of their assistance it was all good. Last year before my membership was coming up for renewal I called to update my Credit Card information from Visa to Amex, but unfortunately was charged on the Visa Card anyways. Back then it wasn't a big deal for me so I just left it like this.

This year however when my membership was coming up for renewal, I called again to make sure they have my Amex Card on file and I was ensured this is the card I'll be charged. However my Visa Card was charged instead. This time it was a different situation for me, as I had some balance transferred to the Visa at 0%APR and charging something to this card was screwing up my special rate.

I called Equifax again and this time I requested to have the Money refunded on my Visa and have it charged on the Amex card. Once again I was ensured this process will take up to a week. My Amex Card was charged within 2 business days like promised, however now one Month later I'm still waiting for my refund on the Visa Card.

The past Month I was calling weekly and sent 3 emails to their customer care department and still nothing. Today I called again and once again was advised that I will get my refund, but at this point it was enough for me. I went and cancelled my membership completely and am waiting now for two refunds. Let's see how long it will take them. I did some research on the Equifax and it seems I'm not the only one that has problems with their customer service. I would not recommend anybody using their service!!!

Denise of Ashland, OR August 20, 2009

This is the 2nd year in a row. I applied for my free credit report with equifax and it came up and it said if you want to view this online for 30 days click here and I did and it took me to a page where i needed a login to get in and I tried to go back to the page for I did not have One obviuosly and wouldn't let me. 2 years in a row I have been denied a report.

Back to the top |