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

7,076 total complaints in the last 3 years.
3,444 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:06/13/2025
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.
Subject: Urgent Complaint Regarding Equifax Credit Report Dispute I am reaching out in urgent need of assistance regarding an ongoing issue with Equifax and their refusal to remove inaccurate public records from my credit report. These recordsboth of which have been fully paid and resolvedcontinue to appear on my credit file, despite confirmation from the collection agency that they have been closed and are no longer on their books.I have made numerous attempts to rectify this matter directly with Equifax, including filing a formal dispute letter. Not only did Equifax ignore my request, but their continued failure to correct my file is actively damaging my financial well-being.Due to Equifaxs negligence, I have faced multiple rejections for credit card applications, preventing me from rebuilding my credit. My wife and I recently applied for a rental property, only to be denied because these public records falsely indicate financial instability. This has created unnecessary stress and hardship as we search for a secure home. Moreover, this situation has limited my ability to qualify for better financial opportunities, from securing competitive loan rates to laying a stable foundation for my familys ********* a paying customer of **********************, I expect them to uphold their obligation to provide accurate credit reporting. Their refusal to act is not only unjust but is causing real, measurable harm to my personal and financial life.I am seeking your immediate intervention to compel Equifax to remove these inaccurate records from my credit file. Please advise on the actions you can take to escalate this matter and ensure the necessary corrections are made without further delay.I appreciate your prompt attention to this matter and look forward to your response.Sincerely,***************************
Customer Answer
Date: 06/13/2025
Hi,
To clarify my complaint with Equifax, I am not filing for another company or person. This complaint is coming from myself about Equifaxs handling on my public records: which is effecting my credit score.
If you are referring to the collection agencies, they no longer have my records on their file and have closed my collections account. ********************** has not yet deleted these records of my account, causing many issues with me to build my credit score.

Hope this information helps you better understand my situation.
Thank you
Business Response
Date: 06/25/2025
June 25, 2025
BBB Case ********
Dear BBB,
We acknowledge receipt of complaint number ********, submitted through the BBB portal.
Please be advised that we have now addressed the disputed items directly with the consumer. This matter
is now closed.
Thank you,
Equifax ***********
Initial Complaint
Date:06/13/2025
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 have contacted each of the companies listed, and most were unable to locate any records of me in their systems. Given that these companies do not recognize me as a consumer, it is highly questionable how they could have had a permissible business purpose to access my credit file. As a result, multiple unauthorized hard inquiries now appear on my FICO consumer credit report, all stemming from fraud and identity theft.Attached is my Identity Theft Report, filed with the ************************ (FTC), which provides official documentation confirming the fraudulent nature of these ************ accordance with the Fair Credit Reporting Act (FCRA) 605B (15 U.S.C. 1681c-2), I am formally requesting that your agency block all information on my credit report resulting from this identity theft. Under federal law, this request must be fulfilled within four (4) business days of receipt.The inquiries listed below were made without my consent, are not associated with any legitimate activity on my part, and are clear indicators of identity theft.
Customer Answer
Date: 06/14/2025
I, ******** ****** ****, am submitting this complaint to formally dispute multiple unauthorized inquiries that appear on my credit report. These inquiries were not initiated or approved by me. I am a victim of identity theft, which occurred as a result of my personal information being compromised in the Equifax Data Breach. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. ?1681c2, Equifax is legally required to block and remove any information related to identity theft once proper documentation is provided. Attached are all necessary documents supporting my claim. I am requesting that these fraudulent inquiries be removed from my credit report without delay.
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ******** ****** ****, Complaint ID #********
Dear ****** *****,
Thank you for submitting ******** ****** **** complaint on 6/13/2025 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
Initial Complaint
Date:06/13/2025
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 out I have been the victim of identity theft. I do not recognize these accounts. Please remove these from my credit report. They are hurting my ability to obtain credit. MIDLAND CREDIT MANAGEMENT Account #***** SOUTHWEST CREDIT SYSTEMS Account#***** IMPACT RECEIVABLES MANAGEM Account#*****
Customer Answer
Date: 06/16/2025
Yes I authorize this complaint
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ******* *********, Complaint ID # ********
Dear ****** *****,
Thank you for submitting ******* ********* complaint on 6/13/2025 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
Initial Complaint
Date:06/13/2025
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 against Equifax and seeking help from BBB and protection of my rights and my credit report. I noticed several hard inquiries on my credit report that I did not authorize. These inquiries have negatively impacted my credit score and are a result of fraudulent activity. I promptly reported this matter to Equifax and requested the removal of these inquiries. Despite providing all necessary documentation and completing the required steps to dispute these fraudulent inquiries, Equifax has failed to remove them from my credit report. This inaction is causing ongoing harm to my creditworthiness and is in direct violation of the Fair Credit Reporting Act (FCRA), which mandates that credit reporting agencies must investigate and correct inaccuracies on consumer credit reports. I am requesting that Equifax immediately remove fraud inquires from my report: TRUIST DEALER SERVIC 06.10.2025; ************* FINANC 06.10.2025; DEERFIELD AUTOMOTIVE 06.10.2025
Customer Answer
Date: 06/13/2025
Please note, Im not using any third parties for this matter, I sent this complaint on my own as Equifax rejected my dispute along with *** report that I have filed on ************************ and mailed to Equifax on June 3rd, 2025. My personal information got compromised and went to the wrong hands and as a result I got a several hard inquiries on my report that I have never authorized.
but Equifax completely ignored and kept reporting items on my report that harmed my credit report. Please help to protect my rights
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ***** **********, Complaint ID #********
Dear ****** *****,
Thank you for submitting ***** ********** complaint on 6/13/2025 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,
K. *****
Equifax ************* Team

Customer Answer
Date: 06/23/2025

Complaint: 23464266

I am rejecting this response because: I checked my credit report and I still see these fraud inquiries on my report and I called Equifax today, they told me they didnt remove fraud inquiries because FTC report is not valid but how it can be invalid if it has been filed on the official website and ************************ verified the number of the report as well. I found this action of Equifax as violating of my rights

Sincerely,

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

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

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

Dear ****** *****,
Thank you for submitting ***** ********** rebuttal on 6/23/2025 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:06/13/2025
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.
After recently reviewing a copy of my credit report, I was alarmed to discover that I had been a victim of identity theft. I do not recognize the listed account, and I request its removal from my credit report, as it is negatively impacting my ability to secure credit.LVNV FUNDING LL: Accnt #: X3697
Customer Answer
Date: 06/15/2025
Hello, the complaint was filed by myself, ********* *****. No third party was used. I sent in the complaint multiple times because I had thought it was necessary to do a separate complaint for each credit bureau that the collection account appeared under. I authorized the original complaint that was submitted.
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ********* *****, Complaint ID #********
Dear ****** *****,
Thank you for submitting ********* ***** complaint on 6/13/2025 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
Initial Complaint
Date:06/13/2025
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.
The account was sold to a collection agency (***) and has been paid. However, Comenity still reports a charge-off and remark purchased by another lender; unpaid balance charged-off this is inaccurate under **** 623(a)(5). Please delete the account.
Customer Answer
Date: 06/13/2025
Yes I authorized this complaint.
Business Response
Date: 06/23/2025
Jun 23, 2025

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

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

Dear ****** *****,
Thank you for submitting ***** Huertas ******* complaint on 6/13/2025 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 consumers 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 ************** 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
Initial Complaint
Date:06/13/2025
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 I been the victim of identify I do not recognize these account please remove it stop me from obtain credit.
Customer Answer
Date: 06/14/2025
Remove from credit
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ****** ****, Complaint ID #********
Dear ****** *****,
Thank you for submitting ****** ****** complaint on 6/13/2025 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
Initial Complaint
Date:06/13/2025
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 I had been the 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.****** ******** ******X ************************ 246XXXX PORTFOLIO *********** 517805XXXXXXXXXX PORTFOLIO *********** 426937XXXXXXXXXX THE BUREAUS *** ******XXX
Customer Answer
Date: 06/13/2025
Yes I authorized this complaint
Business Response
Date: 06/23/2025
June 23, 2025

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

Re: ****** *******, Complaint ID #********
Dear ****** *****,
Thank you for submitting ****** ******* complaint on 6/13/2025 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
Initial Complaint
Date:06/12/2025
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.
Several consumer laws have been violated by the unauthorized reporting of these items and must be immediately blocked and permanently deleted. Reporting without permissible purpose or consent is a violation of **** 609(a). Account opened without authorization, no signed contract or validation was provided, breaching FDCPA 809(b). This account must be permanently deleted under 15 U.S.C. & 1681b and 611(a) (5) (B). Continuing to report unverifiable information constitutes a willful violation under 15 U.S.C. &1681o. Compliance is required without delay.
Customer Answer
Date: 06/14/2025
Yes I confirm that i did send the complaint
Business Response
Date: 06/22/2025
Jun 22, 2025

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

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

Dear ****** *****,
Thank you for submitting ***** ******** IIIs complaint on 6/12/2025 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 consumers concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 6/17/2025.
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.

Sincerely,

*. *****
Equifax ************* Team
Initial Complaint
Date:06/12/2025
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 my credit report and was shocked to find inaccurate information on my profile. 15 USC 1681s-2(b). By law please remove information thats hurting my credit profile Philadelphia co.drs 06/06/2025
Customer Answer
Date: 06/13/2025
Please help with process
Business Response
Date: 06/23/2025
Jun 23, 2025

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

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

Dear ****** *****,
Thank you for submitting ****** Johnsons complaint on 6/12/2025 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 consumers concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 6/18/2025.
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.

Sincerely,

*. *****
Equifax ************* Team

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