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:

Thomas of Gaithersburg, MD May 24, 2006

Thomas of Gaithersburg MD (05/24/06)
Last month, I received a letter from my mortgage company that customer information in their possession was lost and my personal information could be compromised. They recommended that I put a fraud alert on my credit accounts. I tried to put a 90 day credit alert on my account (which I had successfully done online last year) using the phone number on the Equifax website and I was denied three times. I called the Customer Service number at (1-866-640-2273) and, after waiting on hold for 30 minutes, spoke to Curtis (x31592). I told him I wanted the credit alert on my account. I gave him the information requested (SSN, Address, etc.) as well as telling him I was very disappointed with Equirax Customer Service.

He forwarded me to a Customer Service manager. She told me the fraud alert could not be put on my account because of a discrepancy and that I would have to mail in information for it to be done. I told her I was not going to mail anything because I was able to put the fraud alert on my account many times last year without doing such. She then hung up on me.

James of Apple Valley, CA May 23, 2006

James of Apple Valley CA (05/23/06)
I have been trying to get equifax to remove a security freeze that is on my information. I requested the freeze 10 years ago. I have not had any problems until about 8 months ago when I started getting turned down for simple credit requests. So I called to cancel the freeze and the machines I talked to were not cooperative. I then wrote them. They wrote me back a form letter telling me that I needed to give them the 10-digit code that they supposedly furnished to me 10 years earlier. I’ve since written them explaining that I have no code and to, by all means, cancel the freeze. I’ve just received from them the same form letter with the same request of the all powerful 10 digit code.

Robyn of Siler City, NC April 26, 2006

Robyn of Siler City NC (04/26/06)
I was denied credit because equifax was not listing any current accounts but only the old negative ones. I tried accessing their website to dispute but it was not working. I finally did dispute and was told it was corrected. I was recently deinied credit again because they did NOT remove the tiems they indicated would be removed.

Michael of Port Huron, MI April 17, 2006

Michael of Port Huron MI (04/17/06)
I did dispute an address on my credit report. They stated on 2 letters now that it has been deleted, but it is still listed.  I also requested an investigation as to why this was on my report, they inturn did not furnish me with this information.

Mark of Cincinnati, OH March 24, 2006

Mark of Cincinnati OH (03/24/06)
I have been locked out of my account, and, can no longer access it thru the internet. They sent me an email stating that someone has been trying to get into my account, and if it was me, then call the number. I called the number, only you never speak to a live representative... I've tried for two days now, and have spent well over 3 hours on the phone waiting. I never get a response from sending email either.

They force you into using their so called "products" by making it impossible to update your account except thru one of their products. Otherwise, after disputing a charge, they send you information asking for all your credit card account numbers, copies of your drivers license, etc... and then, after sending that information in, they claim they don't get it, and the whole process starts over.

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