Business Profile

Credit Reporting Agencies

Equifax, Inc.

Complaints

This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

7,061 total complaints in the last 3 years.
3,400 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to file a formal complaint against Equifax Credit Bureau regarding multiple fraudulent hard inquiries that were added to my credit report without my authorisation.Upon discovering these unauthorized inquiries, I immediately took the proper steps to protect my identity, including filing an official identity theft report with the ************************ (***). In accordance with the Fair Credit Reporting Act (FCRA), I submitted a formal dispute to Equifax, along with a copy of the *** Identity Theft Report and all supporting documentation.Despite this, Equifax has failed to take proper action. My dispute was rejected, and the fraudulent inquiries remain on my credit report: CIC MORTGAGE CREDIT 05.22.2025 XACTUS 04.24.2025 ADVANTAGE CREDIT 05.27.2025; FACTUAL DATA 03.18.2025; XACTUS 02.18.2025; XACTUS **********.This is unacceptable and constitutes a failure to comply with federal law, which requires credit bureaus to block fraudulent information upon receipt of proper documentation.This situation has not only caused me emotional distress and inconvenience, but it may also negatively impact my creditworthiness and financial opportunities. I am requesting that the BBB intervene and assist in resolving this matter.I am seeking the following resolution:Immediate removal of the fraudulent hard inquiries from my Equifax credit report:CIC MORTGAGE CREDIT 05.22.2025 XACTUS 04.24.2025 ADVANTAGE CREDIT 05.27.2025; FACTUAL DATA 03.18.2025; XACTUS 02.18.2025; XACTUS **********
Customer Answer
Date: 06/17/2025
This complaint is sending by me and no third parties or person is involved. Complaint sent due to the fact that Equifax is violating my privacy and rights. They keep reporting hard inquiries on my credit report despite the fact that I am disputing them with FTC report as they are result of fraud. Please help
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Nataliia Brodova, Complaint ID #23480977
Dear Connie Brown,
Thank you for submitting Nataliia Brodova complaint on 6/17/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/25/2025
I have logged in my credit report and check my Equifax credit report, I still see these fraud hard inquires on my credit report. I called to Equifax today as well, spoke with supervisor and agent, and I been told that they received my FTC report but consider this report as invalid, which is impossible, as this FTC report was filed on the official website of Federal Trade Commission and has been verified by agent of FTC department. I found this action of Equifax as violation of my rights. Please help me to protect my rights as a consumer and have my credit report from Equifax being corrected.
Business Response
Date: 06/26/2025
June 26, 2025

Connie Brown
Better Business Bureau

Re: Nataliia Brodova, Case #23480977

Dear Connie Brown,
Thank you for submitting Nataliia Brodova rebuttal on 6/25/2025 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit Automated Collections SVCS 90
Customer Answer
Date: 06/17/2025
Yes I authorized this complaint
Business Response
Date: 06/25/2025
June 25, 2025

Connie Brown
Better Business Bureau

Re: Alric Dabre, Complaint ID #23480440
Dear Connie Brown,
Thank you for submitting Alric Dabre complaint on 6/17/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/25/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23480440, and find that this resolution is satisfactory to me.

Please correct my credit report

Sincerely,

Alric Dabre
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing this complaint because the credit reporting agency Equifax have continued to report inaccurate personal information on my credit file despite multiple formal requests for correction.The errors include several name variations and addresses that are not and have never been legally or personally associated with me. I submitted written disputes under the Fair Credit Reporting Act (FCRA), along with a copy of my government-issued ID and proof of my current address. These disputes specifically requested the removal of unverifiable or false names and addresses.Despite complying with all verification requirements, Equifax have refused or failed to delete this incorrect information. This violates **** requirements to maintain maximum possible accuracy and remove unverifiable data. These errors are damaging to my credit profile and may also increase the risk of mistaken identity or fraud.
Customer Answer
Date: 06/18/2025
Thank you for reaching out. I did not authorize any third-party company to file this complaint on my behalf. I personally submitted the complaint regarding Equifax and the inaccurate information on my credit file. All the details I provided came directly from my own experience and communication with Equifax.
I understand that the wording may seem similar to other complaints, but I assure you this was written by me to describe my personal situation. Please keep my complaint open and active for review.
Let me know if you need anything else from me to proceed.

Best regards,
********* *******
Business Response
Date: 06/26/2025
June 26, 2025

****** *****
Better Business Bureau

Re: ********* *******, Complaint ID #********
Dear ****** *****,
Thank you for submitting ********* ******* complaint on 6/17/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumers concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call ************** or they may visit ********************************. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
*. *****
Equifax ************* Team

Customer Answer
Date: 06/27/2025

Complaint: 23479557
I am rejecting Equifaxs response because it is a generic form letter that avoids addressing the actual issue I raised. I have made multiple formal requests asking Equifax to correct and remove inaccurate personal information from my credit file, including name variations and outdated or incorrect addresses.
In support of these requests, I submitted a government-issued photo ID and a sworn affidavitwhich, under the Fair Credit Reporting Act, should be more than sufficient to prove and correct my identity. Despite this, Equifax has failed to make the necessary updates, and continues to report incorrect data, which can lead to credit denials and potential identity confusion.
Saying the information is "currently being disputed" offers no assurance or timeline and ignores the fact that Ive already followed all the required stepsmultiple times. Thats exactly why I brought this to the BBB.
Unless Equifax provides a clear written confirmation that the incorrect personal information has been removed or a valid explanation for why it cannot be, this complaint should remain open and unresolved.

Sincerely,

********* *******
Business Response
Date: 06/29/2025
June 29, 2025

****** *****
Better Business Bureau

Re: ********* *******, Case #********

Dear ****** *****,
Thank you for submitting ********* ******* rebuttal on 6/27/2025 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call ************** or they may visit ********************************. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
*. *****
Equifax ************* Team
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to formally file a complaint against ************************ regarding inaccurate reporting on my credit report and their failure to address my concerns in a timely manner.Account ********************************: ************************ Account Number: XXXXXX 0130 Account Status: Closed Date Opened: February 26, 2018 Date Reported: May 24, 2025 Date of Last Activity: June 1, 2019 Charge Off Amount: $7,606 Description of the Complaint:Inaccurate Reporting: My credit report indicates that the account was charged off and paid/closed in 2019, with a last payment date of October 2019. However, ************ continues to report the charge-off status monthly, which is misleading and violates the Fair Credit Reporting Act (****).Re-aging of Debt: The repeated monthly reporting of the charge-off status after the account was paid and closed constitutes re-aging, which is prohibited by both the **** and Consumer ************************* (CDIA) Metro 2 guidelines.Failure to Respond: I have attempted to resolve this issue directly with ************, but my concerns have not been addressed satisfactorily. Their lack of response and failure to correct the inaccuracies on my credit report have caused me significant distress and harm to my credit standing.Requested Resolution:I request that the BBB assist in facilitating a resolution to this matter by urging ************ to:Correct the reporting on my credit file to reflect the accurate status of the account.Provide a written response to my inquiries regarding the inaccuracies and their failure to comply with **** regulations.Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.Sincerely,******* *****
Customer Answer
Date: 06/17/2025
No, I didn't authorize a third party.
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Clifton Green, Complaint ID #23479117
Dear Connie Brown,
Thank you for submitting Clifton Green complaint on (Date) through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/25/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23479117, and find that this resolution is satisfactory to me.

Sincerely,

Clifton Green
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report, and I was shocked to find I had been the victim of identity theft. I do not recognise this account. Please remove this from my credit report; they are hurting my ability to obtain credit.****************
Customer Answer
Date: 06/17/2025
I did not authorize any third-party to file on my behalf. I am filing by myself and for myself.
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Emily Okagu, Complaint ID #23478441
Dear Connie Brown,
Thank you for submitting Emily Okagu complaint on 6/17/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/17/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report and was shocked to find i had been the victim of identity theft. I do not recognize the account please remove this from my credit report they are hurting my ability to obtain credit.
Customer Answer
Date: 06/18/2025
Upon obtaining my credit report i found that fraudulent account was opened and it is affecting my credit score and hurting my ability to obtain credit . Would like the account to be removed as a resolution.
Business Response
Date: 06/26/2025
Jun 26, 2025

Connie Brown
Better Business Bureau

Re: Carlos Cloud, Case #23478358

Dear Connie Brown,
Thank you for submitting Carlos Cloud’s complaint on 6/16/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumer’s concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 6/24/2025.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,

K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/17/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed my credit report and was shocked to see I have been a victim of identity theft I do not recognize this account ********************** Collections $651 Opened 1/22/2025. Please remove it from my credit report it is hurting my ability to obtain credit
Customer Answer
Date: 06/18/2025
I am writing this complaint because when I pulled my credit report I noticed activity that reflect identity theft because the account I do not recognize. The account is Credit Collection for $651. It was opened January 22 2025. Requesting for it to please be removed from my credit report. This os having a major impact in my ability to obtain credit impacing me and my family tremendously.
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Lindora Vereen, Complaint ID #23478079
Dear Connie Brown,
Thank you for submitting Lindora Vereen complaint on 6/17/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report and was shocked to find i had been the the victim of identity theft i do not recognize this account please removed this from my credit report they are hurting my ability to obtain credit.CCMFINANCE ACCOUNT NUMBER CSXXXX
Customer Answer
Date: 06/17/2025
Yes I authorized this complaint
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Trovell Holmes, Complaint ID #23477994
Dear Connie Brown,
Thank you for submitting Trovell Holmes’ complaint on 6/16/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/25/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23477994, and find that this resolution is satisfactory to me.

Sincerely,

Trovell Holmes
Initial Complaint
Date:06/16/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
******* **********, a U.S. Navy Veteran and Sovereign Consumer Advocate, submits this federal declaration under 28 U.S.C. 1746 to numerous federal agencies, demanding immediate deletion of fraudulent credit records, full identity theft redemption, and legal remedies for systemic data breaches. She asserts violations of her rights under multiple federal statutes including the ****, FDCPA, CFAA, ***** and veteran-specific protections such as the **** and the Veterans Benefits Act.She documents provable damages including $5,941 in direct financial losses, denial of veteran housing, fraudulent accounts, and severe emotional trauma. The accounts in dispute include entries from ****, Wyndham Discovery, and Central Portfolio Control. These issues stem from systemic data mismanagement and illegal sharing across 153 consumer data agencies.Washington demands full deletion of all fraudulent data, certified restoration of her record, and written proof of compliance within four daysby May 26, 2025. She also demands compensation exceeding $1.5 million for statutory, punitive, emotional, and consequential damages.If not resolved, she threatens federal litigation in the Southern District of Florida, regulatory prosecution, and public exposure through media and veteran networks. Framing this as a lawful, irrevocable mandate, she warns that failure to comply will result in maximum penalties under all applicable laws. She emphasizes her status as a decorated veteran and declares her unwavering intent to hold all responsible parties accountable under federal law.
Customer Answer
Date: 06/17/2025
Thank you for reaching out regarding Complaint ID 23477936 I appreciate your diligence in verifying the legitimacy of submitted complaints. To clarify, I did not authorize any third-party company to file this complaint on my behalf. I personally submitted this complaint as the consumer directly affected by Equifax’s actions. While I may have used guidance or templates for formatting my statement, the complaint reflects my own experience, and I affirm that the submission originated directly from me. Please allow the complaint to remain active and under review, as it is important to my efforts to resolve this matter directly with Equifax. Should you need any additional verification or documentation from me to proceed, please don’t hesitate to let me know. Thank you for your assistance.

Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Deborah Washington, Complaint ID # 23477936
Dear Connie Brown,
Thank you for submitting Deborah Washington complaint on 6/16/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/26/2025

Complaint: 23477936

I’m rejecting this response because this issue has been ongoing for over four months now. I’ve submitted multiple disputes to Equifax, and each time I either get a generic reply or no meaningful action is taken. It feels like I’m being ignored and that no one is taking the time to truly look into my case. This account is fraudulent and does not belong on my credit report. I’ve made that clear from the beginning, and it’s still sitting there, damaging my credit and blocking important opportunities. Most recently, I was denied a mortgage because of this. That’s a serious, life-impacting situation.
As a senior citizen, this ongoing issue has added unnecessary stress to my life. I’m trying to handle my affairs responsibly, but being constantly dismissed by Equifax has made this process exhausting and emotionally draining. I don’t have the time or energy to keep being ignored. I’m asking the BBB to please hold Equifax accountable and help me get this resolved once and for all. I simply want this inaccurate, fraudulent account removed permanently from my credit file.

Sincerely,
[Your Full Name]

Sincerely,

Deborah Washington
Business Response
Date: 06/26/2025
June 26, 2025

Connie Brown
Better Business Bureau

Re: Deborah Washington, Case #23477936

Dear Connie Brown,
Thank you for submitting Deborah Washington rebuttal on 6/26/2025 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/26/2025

Complaint: 23477936

I am rejecting this response because:
I still have very serious concerns about how this fraudulent account is being handled. I’ve been disputing this for over four months now, and not once have I been shown any actual proof or documentation verifying that this account belongs to me. How exactly is Equifax validating this information? What steps are being taken to confirm its accuracy? Because from where I stand, no one has provided me anything to back up this debt just blanket statements claiming it’s accurate without any real evidence. This situation is deeply unfair and harmful. This fraudulent account is preventing me from being approved for a mortgage, credit cards, and other necessities that affect my daily life and financial stability. I should not be held accountable for something I had absolutely nothing to do with. The burden of proof falls on the data furnisher under the Fair Credit Reporting Act (FCRA), specifically under Section 611 [15 U.S. Code § 1681i], which requires reinvestigation of disputed information and mandates that inaccurate, unverifiable information must be deleted from the consumer’s file. Continuing to report a debt that has not been verified with proper documentation violates my rights and opens the door to serious legal consequences. I am prepared to take legal action under the FCRA, and if necessary, under civil statutes such as 15 U.S. Code § 1681n and § 1681o, which allow for actual and punitive damages against credit bureaus and furnishers that willfully or negligently fail to comply with their obligations.
I do not agree with this outcome, and I am requesting once again that this account be properly validated or permanently removed. If this harassment over a debt that isn’t mine continues, I will pursue further action through legal channels and regulatory agencies.

Sincerely,
Deborah Washington

Sincerely,

Deborah Washington
Initial Complaint
Date:06/16/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Upon recently reviewing my credit report, I was alarmed to discover an account that I do not recognize. It appears I have been a victim of identity theft. I am requesting that this account be removed from my credit report, as its presence is negatively impacting my ability to obtain new credit.NATIONAL RECOVERY ******XX
Customer Answer
Date: 06/18/2025
I authorize this complaint
Business Response
Date: 06/24/2025
June 24, 2025

Connie Brown
Better Business Bureau

Re: Ethan Whatton, Complaint ID #23477871
Dear Connie Brown,
Thank you for submitting Ethan Whatton complaint on 6/16/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

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