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

7,069 total complaints in the last 3 years.
3,427 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:02/14/2023
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.
Ive been paying a mortgage since 2019 and have made consistent payments since. I refinanced my loan and continued to pay on time. About 90 days ago Equifax dropped my mortgage off my account and reduced my credit score. *** contacted them month after month and they havent fixed the problem. Ive see reports of these companies reducing your credit score so you have to pay more for credit cards and credit related purchases. I also believe if they are made aware of a situation like mine, they shouldnt take 90 days to fix the problem. Equifax reduced my score on 7 Dec 2022 and havent corrected the problem.
Business Response
Date: 02/15/2023
EQUIFAX

02/15/2023

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

RE: ***********************, Case # ********

Dear *****************************,

Thank you for submitting *********************** complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that their credit score was incorrect.
Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file *** change, which *** impact your credit score depending on the model. No score is part of the credit file and therefore cannot be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit.
If they have any additional questions, they *** call ************** or they *** 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, we are closing this complaint.

Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/15/2023

Complaint: 19396505

I am rejecting this response because:
This attachment is from Equifax saying I dont have a mortgage but its on my credit report with them. The other credit bureaus have me over 780 but not Equifax. Also if you read the bottom of the attachment, its asking me to pay for upgraded service to improve my score. That cant be legal.

Sincerely,

***********************
Business Response
Date: 02/16/2023
EQUIFAX

02/16/2023

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

RE: ***********************, Case # ********

Dear *****************************,

Thank you for submitting *********************** complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that their credit score was incorrect.
Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file *** change, which *** impact your credit score depending on the model. No score is part of the credit file and therefore cannot be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit.
If they have any additional questions, they *** call ************** or they *** 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, we are closing this complaint.

Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/16/2023

Complaint: 19396505

I am rejecting this response because:
They just replied again with the same computer generated response as before.
This seems like a waste of time!
Sincerely,

***********************
Initial Complaint
Date:02/13/2023
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.
As I checked my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my consumer report, it's affecting my life!
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: ***********************, Case # ********

Dear *****************************:

Thank you for submitting *********************** complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:02/13/2023
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.
Equifax keep charge my subscription fee for two years after i canceled my subscription in 2021
Business Response
Date: 02/15/2023
EQUIFAX

02/15/2023

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

RE: Ya Yu, Case # ********

Dear *****************************:

Thank you for submitting Ya Yu complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
Review of account determined consumer canceled other paid accounts except Equifax Complete. Cancellation request was submitted on 02/13/2023. Please provide the following response.
Based on a review of the account, we had not received a request to cancel your Equifax Complete prior to February 13, 2023.
We have received your request to cancel Equifax Complete. Your product will cancel on 02/21/2023, which is the end of your billing cycle.
You can still sign into your myEquifax account to manage an Equifax security freeze, fraud alert, or dispute. Also, you'll have access to six free Equifax credit reports each year.
We sincerely apologize for any inconvenience this issue may have caused.
Thank you for contacting Equifax,
Equifax Consumer Care Team
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/15/2023

Complaint: 19395511

I am rejecting this response because:
When I delete my subscription in 2021, their website did not show any other subscription i enrolled. i got charged 10 dollar every month since then. I think the website has a lot of misinformation. and I request a full refund of 240.

Sincerely,

Ya Yu
Business Response
Date: 02/16/2023
EQUIFAX

02/16/2023

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

RE: Ya Yu, Case # ********

Dear *****************************:

Thank you for submitting Ya Yu complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
Based on a review of the account, we had not received a request to cancel your Equifax Complete prior to February 13, 2023. Unfortunately, you are not eligible for a refund.
It has been a pleasure to assist you and please don't hesitate to contact us in case you have any further questions or concerns.
We sincerely apologize for any inconvenience this issue may have caused.
Thank you for contacting Equifax,
Equifax Consumer Care Team
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:02/13/2023
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.
Account Name: FST PREMIER Account No. ************ Balance: $0.00 I am filing this complaint against the three credit bureaus, Equifax, Experian, and TransUnion. I disputed this account on 05/31/2022 because the date last active was reporting three different dates on all bureaus which is incorrect. I have not seen any changes on this account after 30 days of waiting for any verifications from the credit bureaus. Today I just pulled my report and I see TransUnion still reported 02/18/2021 as the date of last activity, Experian reported 02/01/2021, and Equifax reported 06/01/2018. This cannot have three different date last active because this was paid on the same date. This is affecting my credit health in a negative way. I am being denied a loan and being offered credit with high-interest rates because of this inaccurate reporting which has reflected in my credit scores.
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: *******************************, Case # ********

Dear *****************************:

Thank you for submitting ******************************* complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.

In reference to the concern regarding the investigation process: Upon receipt of the dispute, we first review and consider any relevant information submitted regarding the nature of the dispute. Often, Equifax will then transmit the dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of the dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to the credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing the dispute(s) is shown under the 'Results of the investigation' section on the cover letter that accompanies the copy of the revised credit file.

If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/15/2023

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:02/13/2023
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.
Account Name: CONNS Account No. ***** Balance: $4,943.00 I am writing this complaint against Equifax. I have been disputing this account for three years now because the reporting of this account is unverifiable and inconsistent. On 08/02/2020, I disputed this account with the credit bureaus because the date last active was inaccurate. The next 30 days after I sent my dispute I was not able to see any changes nor received any updates from them. The date last active remained the same. The dates reported three different dates. On 03/22/2022, I tried disputing this information again. I still see no changes on the dates. TransUnion still reported 12/31/2020 as the date of last activity, Experian reported 12/01/2020, and Equifax reported 12/01/2019. On the other hand, the reporting of the open date and the high balance was also inconsistent or not verifiable. I have disputed the reporting of these two pieces of information and they are still reporting inconsistently. It seems the credit bureaus are not budging to my disputes and are unwilling to get this taken care of. Please see all the attached dispute letters and reporting of this account to my credit report for your reference.
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: ****************, Case # ********

Dear *****************************:

Thank you for submitting ********************* complaint on 02/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/15/2023

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:02/13/2023
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 reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ******** secret xxxx9046 *********** auto finance xxx1001 Consumer ****************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence
Business Response
Date: 02/14/2023

EQUIFAX

02/14/2023

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

RE: *******************************, Complaint # ********

Dear *****************************,
Thank you for submitting ******************************* complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.

One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send a minimum of one item from each category list below:

Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form

Current Address:
* Driver's license
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

If they have any additional questions, they may call ************** 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,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/14/2023
Hello enclosed is a copy of my ID with my new last name (maiden name ) since divorce
this is my current name
Initial Complaint
Date:02/13/2023
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.
Equifax has not showed me my credit score or report for the last two years but it continues to report on Experian credit karma and ************ I just want to see my credit score and report so I can dispute any in accurate or fraudulent accounts that *** be on my credit report.
Business Response
Date: 02/14/2023

EQUIFAX

02/14/2023

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

RE: *************************, Case # ********

Dear *****************************:
Thank you for submitting the complaint, dated 02/12/2023, regarding *************************. Per your request, a copy of the Equifax credit file and score has been forwarded directly to the consumer.
If there are any questions or concerns regarding the Equifax Credit Report, please have the consumer refer to the mailed disclosure copy or visit us at ******************************************************** or contact a Customer ********************** Representative at ************.
If you have any further questions regarding Equifax, please feel free to email us at ********************************************.

Sincerely,

Sr. Consumer Relations Specialist

Customer Answer
Date: 02/14/2023

Complaint: 19392427

I am rejecting this response because:

Sincerely,

*************************
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: *************************, Case # ********

Dear *****************************:
Thank you for submitting the complaint, dated 02/12/2023, regarding *************************. Per your request, a copy of the Equifax credit file and score has been forwarded directly to the consumer via ***** Please allow 7 to 10 business days to receive the credit report.
If there are any questions or concerns regarding the Equifax Credit Report, please have the consumer refer to the mailed disclosure copy or visit us at ******************************************************** or contact a Customer ********************** Representative at ************.
If you have any further questions regarding Equifax, please feel free to email us at ********************************************.

Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:02/13/2023
Type:Delivery 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 list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****.Account Name: CB INDIGO Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights. Account Name: CREDIT CARD FB&T Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: TBOM/ASPIRE MC Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: ******************* Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: LA CURACAO Type of Account: 60 Day Late Payment Account #: *********** has violated my rights.Account Name: CREDIT ONE BANK Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account ************************** NA Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: SYNCB/PAYPAL Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: FIRST PREMIER Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.Account Name: OPORTUN/WEBBANK Type of Account: 60 Day Late Payment Account #: ******************* has violated my rights.15 U.S.C **** section 602 A. States I have the right to privacy.I have filled complaint with the ***** and it has been longer than 30 days since I sent in the investigation letter, met with improper response from Equifax. Appalling, because I have provided the necessary information in order to assist Equifax in their Investigation.Equifax not only false accused me of being a credit repair agency, but have also asked me for more personal information than I have sent already. But, I complied in order to further assist. They are required by the **** to respond properly, and Equifax failed to do so.
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: ***************************, Case # ********

Dear *****************************:

Thank you for submitting *************************** complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/15/2023

Complaint: 19391875

I am rejecting this response because:
The information Equifax is sharing with the data furnishers is still NON-PERMISSABLE. I gave Equifax no permission to furnish anything on my credit report, nor gave data furnishers any permission to share, disclose, discuss, furnish anything on my credit report.

15 U.S.C **** Section 604 A Section 2: States a consumer reporting agency cannot furnish an account without my written instructions.

Under 15 USC ****b purpose of consumer reports, THE *** CLEARLY STATES:

(a) IN GENERAL

Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it relates.

15. *********** (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items
of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by
more than seven years.

15 U.S.C ****s-2(A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has
reasonable cause to believe that the information is inaccurate.

Equifax only updated my credit report, which is unfair given the inaccurate information on the report. Their responses to the investigation are improper. I have information with no data at all, which further perpetuates the inaccuracies, adding salt to the wound. Equifax continues breaking the law clearly, and back dooring is unfair and unethical. Equifax's claim that the **** permits them to do so is baseless. They can only do so with written instructions, which I never gave, and the furnishers are not to have information. It is the Credit Bureau's job to ensure the credit report is accurate, and is not. Equifax fast closing argument clearly shows they have no intention of getting rid of information that are on accounts that have aged. This continues violating my right to privacy. What needs to happen is the following below.
*Stop sharing information I do not authorize disclosure of
*Delete the accounts on my credit report
I know the information on my credit report is inaccurate. I am very certain of this. Therefore, I need the accounts gone, deleted.
Sincerely,

***************************
Business Response
Date: 02/16/2023
EQUIFAX

02/16/2023

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

RE: ***************************, Case # ********
Dear *****************************:

Thank you for submitting *************************** complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.

Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account information to Equifax. Those that do report on a regular basis appear on your credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on your file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).

If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/16/2023

Complaint: 19391875

I am rejecting this response because:
At this point, Equifax I see is going to repeat what they're claiming, which does not address the issue. Their process, policy does not override U.S state law. They're allowing the furnishings to continue, violating my right to privacy even further. Equifax needs to do their job, and get rid of the accounts, and stop violating my rights. This insufficiency will lead to messing up my credit report even more.

Sincerely,

***************************
Initial Complaint
Date:02/13/2023
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.
Hi, Im authorizing this complaint on my behalf. I cant believe your guys are taking advantage of me. I AM VERY UPSET the credit bureau Equifax has not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. If this is not resolved immediately I will be seeking litigation. These are the items Im demanding to be deleted or remove these late payments immediately.The inquiry was not authorized ALLYFINANC Date of inquiry: 11/03/2022 15 USC ****a (2)(b) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The inquiry was not authorized CAP ONE AF Date of inquiry: 11/03/2022 15 USC ****a (2)(b) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The inquiry was not authorized STEELESOUT Date of inquiry: 11/03/2022 15 USC ****a (2)(b) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The inquiry was not authorized JSC CRE U Date of inquiry: 11/03/2022 15 USC ****a (2)(b) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: *************************, Case # ********

Dear *****************************:

Thank you for submitting ************************* complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:02/13/2023
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 reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report STATE COLLECTION SERVICE, ######** NATIONAL RECOVERY ######** PORTFOLIO RECOVERY ASSOCIATES xxxxxxxxxxxxxxxx 9119?Account GMFNANCIAL xxxxx **** Account ATLANTIC CAPITAL BANK SELF * xxxxxxxxxxxxxxxx **** Consumer ****************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted "EQUIFAX" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: *************************, Case # ********

Dear *****************************:
Thank you for submitting ************************* complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.

Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account information to Equifax. Those that do report on a regular basis appear on the credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on the file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).

If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/14/2023

Complaint: 19392937

I am rejecting this response because:

Sincerely,

*************************
Business Response
Date: 02/14/2023
EQUIFAX

02/14/2023

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

RE: *************************, Case # ********

Dear *****************************:

Thank you for submitting ************************* complaint on 02/12/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow 30 days for the investigation to be completed.
If they have any additional questions, they may call ************** 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, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 02/14/2023

Complaint: 19392937

I am rejecting this response because: I have already disputed these accounts with the credit reporting agency multiple times. And there wasnt a proper investigation,MULTIPLE TIMES. Accounts are still reporting inaccurately

Sincerely,

*************************

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