Complaints

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

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• 

  Equifax, Inc.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  1800 Deming Way Middleton, WI 53562-3512

• 

  Equifax, Inc.

  7171 Mercy Rd #330 Omaha, NE 68106

• 

  C S C Credit Services, Inc.

  1330 Broadway Ste 310 Oakland, CA 94612-2504

• 

  Equifax

  PO Box 1286 Pittsburgh, PA 15230

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:06/26/2025

  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.

  On Friday, June 20, 2025, I went on ************************************** t fromo pull my credit report from Equifax but for some reason it wouldn't populate. So I decided to log on to Equifax's website to obtain my credit report but a screen popped up stating something was wrong with my account and that I needed to talk with a administrator. Friday evening I contacted Equifax via phone call and spoke with an Agent by the name of ******. He informed me that I needed to mail in a copy of my Id and S.S. card and a cover letter stating that I needed my information updated. I explained to the Agent that they already have a copy of my ID, ss card and proof of residency from the dispute that I made in the previous month with them through a letter mailed to them certified as well as on the **** website. the Agent did informed me that he had everything in front of him and that the issue should be corrected within the next hour. NO SUCCESS! On Saturday, June 21, 2025 I log on to Equifax to see if my credit report was ready to view but unfotunately the some problem exist. Equifax is blocking me from seeing my credit report. I called for a 2nd time and spoke with Agent : ***** I.D. # AXS1792 and explained to hime the same situation. But this time, this Agent told me that it would take 1-2 days for me to recieve my credit file. Now it's been 3 days and no one has retify the issue about me, a consumer, lawfully recieving his credit file. Equifax is violating my rights under the Fair Credit Reporting Act, specifically Section 609, which gives me the right to access my credit file. and Section 611, which requires a timely response when I dispute or update my information. If this isn't fixed soon, I'm considering LEGAL ACTION since this delay is preventing me from accessing my credit data and moving forward with financial goals.

  Customer Answer

  Date: 06/27/2025

  There's no third party sending this complaint. I'm ***** ***** and I'm the one complaining about not see my credit report. I don't use third party resources. I just know some of the consumer laws regarding the consumer reporting agencies. I recently put in a dispute with the **** and your receiving the same complaint that I sent to them. Once again, there's no third party resources working on my behalf. 

   

  Thank You,

  ***** Moore 

  

  Business Response

  Date: 07/02/2025

  Re: ***** *****, Case #********
  
  Dear ****** *****,
  Thank you for submitting ***** ***** complaint on 6/26/2025 through the BBB Complaint Portal. In their complaint, they indicated issues with their myEquifax online account. 
  We have received your complaint and apologize for any inconvenience you may have experienced when attempting to access your MyEquifax account. Our investigation revealed that you successfully logged in and retrieved your credit file on June 29, 2025.  
  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, we are closing this complaint.
  
  
  Sincerely,
  *. *****
  Equifax ************* Team
  
  

  Customer Answer

  Date: 07/02/2025

   
  Complaint: 23524473
  
  I am rejecting this response because:
  It's still not showing any of my collections and why is it saying "Report Blocked for Promotional Purposes".

  I know that there are a few collections that I have and I need to look at my full credit file to make sure everything is accurate. This is really hindering my financial future.

  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 07/03/2025

  ***** *****, Case #********
  
  Dear ****** *****,
  Thank you for submitting ***** ***** complaint on 07/02/2025 through the BBB Complaint Portal. In their complaint, they indicated issues with their myEquifax online account. 
  We have received your complaint and apologize for any inconvenience you may have experienced when attempting to access your MyEquifax account. Our investigation revealed that you successfully logged in and retrieved your credit file on June 29, 2025.  
  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, we are closing this complaint.
  
  
  Sincerely,
  *. *****
  Equifax ************* Team

  Customer Answer

  Date: 07/07/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:06/26/2025

  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 have recently reviewed my credit report and was astonished to discover that I have fallen victim to identity theft. I do not recognize the account in question and kindly request its removal from my credit report, as it is adversely affecting my credit score and my ability to secure financing. Thank you for your attention to this matter.Account name: ***************** SYST Account *****************

  Customer Answer

  Date: 06/26/2025

  I have authorized this complaint, and I am requesting assistance from the Better Business Bureau
  

  

  Business Response

  Date: 07/01/2025

  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Juan Osoria Morales Complaint ID #23522682 
  Dear Connie Brown,
  Thank you for submitting Juan Osoria Morales' complaint on 6/26/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/02/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23522682, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Juan Osoria Morales

• Initial Complaint

  Date:06/26/2025

  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 i noticed that i am victim of identity theft. I also noticed that i have some fraudulent accounts that need to be removed from my credit report as they are hurting me from obtaining credit.N/A ******X N/A ******X N/A ******X

  Customer Answer

  Date: 06/26/2025

  I filed this complaint 

  

  Business Response

  Date: 07/01/2025

  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Ogama McGuire Complaint ID #23522034 
  Dear Connie Brown,
  Thank you for submitting Ogama McGuire complaint on 6/26/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/01/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23522034, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Ogama Mcguire

• Initial Complaint

  Date:06/26/2025

  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 received my credit reports and was shocked to find that I had been a victim of identity theft. Please remove these accounts from my ********************** report they are hurting my ability to obtain credit. *************** #ED1CXXXXXXXXXXXXXXXXXXx SELF ******** #***************** *********************** #******XXXXXXXXXXX **************** #XXXXXXXXXXXX3200 ******** #G8C35FXXXXXXX VERITAS INSTRUMENT RENTA #***XXXX ************** LLI4962****

  Customer Answer

  Date: 06/26/2025

  I filed this complaint myself without any help from any third party. 

  

  Business Response

  Date: 06/30/2025

  June 30, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Demetria Young Complaint ID #23521230 
  Dear Connie Brown,
  Thank you for submitting Demetria Young's complaint on 6/26/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/01/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23521230, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Demetria Young

• Initial Complaint

  Date:06/25/2025

  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 contacted Equifax about fraud on my credit report that was resolved in 2022 through ********. I spent 9 months trying to resolve this fraud with ********. I was not aware of this fraud with Experian until I was denied an apartment. I was left homeless for 9 months after contacting Experian several times and receiving a verified result from them over the 3 months. I became suicidal and went to my doctor and my doctor recommended I contact my Senator to replace this issue. I contacted the my Senator and provided all the documentation I provided such as contract with fraud signatures, notes from conversations with Experian each time I called over the 9 months, emails from my conversation with former apartment complex who provided me a copy of the contract that was signed by not me but by one of there employees, and Driver license which on one occasion Experian denied because my picture was too dark etc. Equifax has told me that there back office denied my identity theft report and change there wording to the *** denied it. I never received an email from the *** stating they denied my report. I contacted the *** they said they do not deny Identity theft reports and I can file a complaint with them on this issue. Complaint # is *********. Equifax wanted me to file another fraud report with the information I sent to the senator. The Equifax agent was reading from a computer screen that indicated my report (FTC report ( #*********) was denied which means who ever did this denial can be tracked since it is system related. The other concern is that Experian should have notified Equifax that this issue was relvoved. Also, by Equifax not knowing this issue was resolved by Experian proves Equifax never did an investigation to make the determination that the fraud claim should be denied. There are several violations here by Equifax and possibly Experian. Also, the fact that this crime is being committed within Equifax by one of its employees should be investigated.

  Customer Answer

  Date: 06/26/2025

  Several attempts made for Equifaz to comply with the law. The company refuse. I am a little confuse at this page. I am 65 years old as 9/23.

  

  Business Response

  Date: 06/30/2025

  June 30, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : William Smith Complaint ID #23520249 
  Dear Connie Brown,
  Thank you for submitting William Smith complaint on 6/25/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 06/30/2025

   
  
  Complaint: 23520249
  
  
  
  I am rejecting this response because: i have disputed this matter twice with Equifax. First response stated it was not identity theft. I responded back by indicating the definition of identity theft which is when someone uses your signature without your  authorization and provided a copy of the contract with the false signature used with a stamp. Equifax wrote back and said a collection company does not have to comply with the accuracy clause in federal law. The states each company must have consistent data. This collection was on my experian report in 2022. It left me homeless for 9 months after challenging 4 times. Finally go the U.S. senator involved and it was removed. During the 9 months I became suicidal because of such a flawed processed that can be used to punish people. Once removed the collection company decided since they are located in Atlanta the collection a year later put it on Equifax. Equifax is just stringing the BBb along playing this game along with the collection copy. They want to cause harm to people. Will Smith 470-542-0649  1984 howell mill rd unit #20483 atlanta ga 30325.
  
  
  
  Sincerely,
  
  
  
  William Smith

  

  Business Response

  Date: 07/01/2025

  
  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re: William Smith, Case #23520249
  
  Dear Connie Brown,
  Thank you for submitting William Smith rebuttal on 07/01/2025 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: 07/01/2025

   
  
  Complaint: 23520249
  
  
  
  I am rejecting this response because: equifax does provide any specifics when it does an investigation. I provided documentation as requested showing that the signature on the document is not. Equifax has twice provided a response to me with no details. I will accepted the response if the following is provided by the collection company to equifax and BBB. Equifax provide a copy of a contract with my signature on it that I signed or sworn statement that I signed any contract. Proof needs to be provided.

  
  
  
  
  Sincerely,
  
  
  
  William Smith

• Initial Complaint

  Date:06/25/2025

  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 was shocked to find that i have been a victim of identity theft, i do not recognize these accounts, please remove this from my credit report they are hurting my ability to obtain credit.********** ZN4EDFXX **************** 444796XXXXXXXXXX CITIZENSPAYLOC 605830XXXXXX CITIZENS PAY CREDIT ** 605830XXXXXXXXXX

  Customer Answer

  Date: 06/26/2025

  Yes I authorized this complaint.

  

  Business Response

  Date: 07/01/2025

  
  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Phillip Carmouche Complaint ID #23519783 
  Dear Connie Brown,
  Thank you for submitting Phillip Carmouche complaint on 6/25/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/01/2025

   
  
  Complaint: 23519783
  
  
  
  I am rejecting this response because Equifax is investigating my dispute and I’ll wait for their findings within 30 days please keep case open till then!

  
  Sincerely,
  
  
  
  Phillip Carmouche

  

  Business Response

  Date: 07/02/2025

  July 02, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re: Phillip Carmouche, Case #23519783
  
  Dear Connie Brown,
  Thank you for submitting Phillip Carmouche 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:06/25/2025

  Type:Service or Repair 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 noticed an account that was not reporting accurately. My credit report is showing that I have late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates (Feb 2024, Mar 2024, Apr 2024, May 2024, Dec 2024, and Jan 2025). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt resolution.

  Customer Answer

  Date: 06/26/2025

  This is not from a third party. I am submitting this on my behalf 

  

  Business Response

  Date: 07/01/2025

  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Katorie Wheeler Complaint ID #23519250 
  Dear Connie Brown,
  Thank you for submitting Katorie Wheeler complaint on 6/25/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/02/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23519250, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Katorie Wheeler

• Initial Complaint

  Date:06/25/2025

  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 due to the Equifax data breach. I do not recognize the accounts attached in my affadavit please remove them from my credit report they are hurting my ability to obtain credit.I did not hire a credit repair agency I am acting on the behalf of myself and I am aware of Transunions Illegal ways of operation.All accounts are listed in the documents attached below.

  Customer Answer

  Date: 06/26/2025

  I authorize this complaint

  

  Business Response

  Date: 07/01/2025

  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re : Angelique Brown Complaint ID #23518204 
  Dear Connie Brown,
  Thank you for submitting Angelique Brown complaint on 6/25/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  We will review the consumer’s concerns and initiate 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: 07/01/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23518204, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Angelique Brown

• Initial Complaint

  Date:06/25/2025

  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.

  Re: Urgent Dispute Navy Federal Credit Union I am formally disputing the reporting of the Navy Federal Credit Union account on my ********************************************* report pursuant to the Fair Credit Reporting Act (FCRA) and Metro 2 compliance standards.Upon detailed review of my credit file, I have identified numerous violations and inconsistencies in the way this account is reported:1. The account is marked as Charged Off and Closed yet continues to reflect derogatory CO remarks monthly through 2025, violating Metro 2 Format and implying account re-aging.2. Mandatory data fields such as Date of Last Activity, Original Creditor Name, Term Duration, and Creditor Classification are incomplete or blank rendering this account unverifiable and inaccurate under Metro 2 and FCRA 1681e(b).3. Continuous Charge Off reporting is an unfair and duplicative derogatory practice that falsely amplifies the accounts impact on my ********************** profile.4. The Date of First Delinquency is listed as October 1, 2022, yet the charge-off and delinquency notations continue deep into 2025 a clear violation of FCRA 1681c(a)(4).

  

  Business Response

  Date: 06/30/2025

  Jun 30, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re: Tommy Wilson, Case #23514753 
  
  Dear Connie Brown,
  Thank you for submitting Tommy Wilson’s complaint on 6/24/2025 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 6/23/2025. 
  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
  

  Customer Answer

  Date: 06/30/2025

   
  
  Complaint: 23514753
  
  
  
  I am rejecting this response because:. Missing required Metro 2 fields such as 'Term Duration', 'Sold To', and 'Purchased From'.
  2. Inaccurate 'Date of Last Activity' (June 23, 2025) appears to unlawfully re-age the account beyond its
  original delinquency.
  3. Balance remains reported as due on a charged-off account without identifying if the debt has been sold or
  assigned.
  4. The account continues to show the comment 'Consumer disputes after resolution', which is misleading and noncompliant post-resolution.
  Under FCRA Section 623 and Metro 2 reporting standards, all data furnishers are required to report accurate,
  complete, and verifiable information. The presence of these inconsistencies renders this account unverifiable
  and misleading to third parties reviewing my credit profile.
  
  

  

  Business Response

  Date: 07/01/2025

  July 01, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re: Tommy Wilson, Case #23514753
  
  Dear Connie Brown,
  Thank you for submitting Tommy Wilson rebuttal on 6/30/2025 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: 07/01/2025

   
  
  Complaint: 23514753
  
  
  
  I am rejecting this response because:Based on your uploaded screenshot from Equifax, the account in question is:
  Creditor: Navy Federal Credit Union
  Status: Closed
  Account Type: Revolving
  Date Opened: April 2020
  Date Closed: September 2023
  Last Payment Made: August 2022
  Payment Status: Charged Off
  Balance: $1,823
  Past Due: $1,823
  Credit Limit: $1,000
  
  Factual Dispute Points:
  Charged-Off After Account Closure: The account is marked as closed as of Sept 2023, yet the last payment was made in Aug 2022, and it shows as charged off with the balance listed as due. Under Metro 2 and FCRA, if the account is closed and charged off, it should reflect a $0 balance unless it's sold or assigned to collections.
  Balance and Past Due Conflict: Reporting both a past due and balance on a closed charged-off revolving account is inaccurate unless there is ongoing ownership or activity.
  Lack of Proper Investigation: 15 U.S.C. § 1681i (FCRA § 611).
  
  
  

  
  RE: Formal Dispute & Demand for Arbitration – Navy Federal Credit Union (Account Ending in XXXX)
  To Whom It May Concern:

  
  This is a formal Notice of Dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, and demand for arbitration under your binding dispute resolution process.
  I have previously disputed the account listed as Navy Federal Credit Union (account ending in XXXX), and your failure to conduct a proper and reasonable investigation has resulted in continued inaccurate and damaging reporting. As of my last review dated June 30, 2025, the account remains falsely reported as:
  Closed yet still showing a past due balance of $1,823
  Marked as charged off, but still reporting a balance due, which is inconsistent and misleading under Metro 2 and FCRA reporting standards
  A closed and charged-off revolving account should reflect a $0 balance unless verified with documentation of legal ownership and right to collect. Furthermore, your failure to remove or correct this inaccurate information after prior disputes violates my rights under 15 U.S.C. § 1681i and § 1681s-2(b).
  Therefore, I now demand the following:
  Immediate deletion of the Navy Federal Credit Union account from my credit file.
  A reinvestigation in compliance with FCRA procedures, providing me written verification from the data furnisher.
  A full summary of your method of verification, as required by law.

  
  Because Equifax has failed to properly investigate and resolve this dispute, I am invoking arbitration under the terms of your agreement. If no resolution is provided within 15 days, I will proceed with arbitration and include statutory damages, actual damages, and all costs as allowed by law.
  This is your final notice before action.
  Sincerely,

  
  

• Initial Complaint

  Date:06/25/2025

  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.

  dispute

  

  Business Response

  Date: 06/26/2025

  June 26, 2025
  
  Connie Brown
  Better Business Bureau
  
  Re: Ovik Marukian, Complaint ID #23512826 
  Dear Connie Brown,
  Thank you for submitting Ovik Marukian complaint on 6/24/2025 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