Equifax

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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:

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.

philip of ft myers, FL August 19, 2009

i keep asking equifax to remove inqiureries that where not authrised by me from my credit report, also i requested numerous time to remove an item off my report that is not mine, they keep saying it is this is a commercial liability policy for lee air inc. i should not be resposible for this.

also i have 4 accts with nfcu that at 1 time was late in paying this was over 2 years ago and since i have paid on time or before and the keep showing it as negative. nfcu says im in good standing. ive threataned to sue and they said go ahead they would fight me no matter how much it took. what can i do. i cant get a loan or credit. i neede to repair my home and was denied. also was denied a loan to help pay off my wifes medical bills.

Iris of Atmore, AL August 19, 2009

I haven't always done right with my credit.Its very important that I take action and do right now,If I have disputed 8000.00 plus negative infomation from my report with all 3 credit burea agencies,my points has increased well with all EXCEPT Equifax and no one can explain why or let me talk to anyone that could explain why or who I could write to.They have people thats not trained to answer question ,that can't understand english or speak clear english. They have made me feel like I'm working for nothing I thought with each dispute thats settled your fico score should improve who govern this company and who can I talk to Its like no communicating with this company unless you are buying there products.They only have knowledge of trying to sell you something and they read from a script for that ,they can't help you with your credit question not even the supervisor they have no knowledge at all.Please help !If I can work to pay my bills on time now,and dispute alot of negative info that wasn't mine why my points haven't increased with this company and how often do they redo your fico score .If it was something negative they wouldn't wast time decreasing my points. This company should not be allowed to get away with this behavior .They could do what they want to people and their credit. They don't care about the consumer. Its not their credit thats in question. Someone Please Help Me .I feel very defenseles.

Saad of Jersey City, NJ August 18, 2009

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

William of Menomonie, WI August 17, 2009

I believe that Equifax is attempting to deny me access to my free annual credit report as required by federal law. In early July 2009 I filed my annual credit report request, the same month as in 2008. Since Equifax received the request a few days prior to the July date on my 2008 report, I soon received a letter from Equifax stating that I had received my free report within a 12-month period and that I could purchase a new report. I waited until August 2009 to file a second request. Today, I received another letter from Equifax informing me that they could not verify my information. The information I sent Equifax in July and August 2009 was the exact information I used in 2008 to request my free credit report, which was provided in 2008. I had no problem getting my free annual credit report from Experian in 2009 using the exact same request form that I used to request my free credit report from Equifax. I believe that Equifax is attempting to cheat me out of my free annual credit report.

Clayton of Billings, MT August 13, 2009

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

I have bad credit, and so thats the reason why I signed up. I figured out that if I disputed information, the credit agency has 30 days to remove the information from my credit report. Equifax sent me an email saying they can take up to 45 days. I read the Fair Credit Reporting Act and it says only if I give relevant information about the dispute within those 30 days, they can extend the dispute by 15 more days.

MARGIE of WENDELL, NC August 10, 2009

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

Donald of Hurst, TX August 10, 2009

The trouble started 3 years ago this September. My father passed away & my brother Dewayne paid for the funderal. Shortly after Dewayne started getting biild & mail having combination of his name & Dad's name. His Equifax report then had his info & a mixture of Dad's. A few months later I started gettingg mail with a combination of all 3 of our names.

I bought a new Nissan in 2008. The credit manager said several of the banks they use had turned me down because I had my name on 5 different vehicles (from my brothers construction business. I told the manager we had only the car we were trading. He showed me my Equifax report that had different combination of all 3 of our names. I also rec'd a letter from walmart regqading my charge card & they were lowering my limit due to my Equifax report.

I hav4 called & spoke with 3 different reps who can not find a file on me at all. They say it doesn't exist. It is so screwed up that it has everybodys info on there. Howevver, when I applied for a loan last week I got an email from Equifax saying there was an inquiry on my file. So I called again, and the same thing happened again. There is no file on me. I asked for a supervisor & was placed on hold, no one ever picked up. I called the bank & spoke with the loan officer & again was told that my name, dad's name, Dewayne's name & several combinations of all 3 were listed. She said the funny thing was that she could find no S.S. # on there. The loan officer also pulled up my report from Experian credit reporting & my score was over 200 points higher there & the info was only mine.

I can get no help from Equifax, I even sent a form requesting my report with copies of my drivers license, SS card, utility bills, + anything I could think of to prove who I am. Again rec'd a letter stating they have no file on me. Yet they find somehting to send my creditors. I need help but don't know where to turn next.

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