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.

  7171 Mercy Rd #330 Omaha, NE 68106

• 

  TrustedID, Inc

  395 Page Mill Rd #130 Palo Alto, CA 94306-2066

• 

  C S C Credit Services, Inc.

  1330 Broadway Ste 310 Oakland, CA 94612-2504

• 

  Equifax, Inc.

  PO Box 30343 Tampa, FL 33630-3343

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:02/08/2023

  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.

  The consumer reporting agency cannot furnish an account without my written consent they never had my authorization to use my Social Security Number.I did not authorize the account listed. That should be blocked and removed from my credit report.

  

  Business Response

  Date: 02/10/2023

  EQUIFAX
  
  
  02/10/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *********************************** complaint on 02/08/2023 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:02/07/2023

  Type:Product 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.

  In October, I received an email from Equifax stating that if I did not update my payment information my service would be cancelled when my current bank cards expiry date was reached. Earlier that year I had tried to contact Equifax multiple times to cancel my account, as I was locked out and could not log in. When contacting them they stated that I would need to wait for a piece of physical mail to arrive to confirm my identity and cancel their service. Each time the mail never arrived. So when my expiry date for my card approached I happily didn't provide them with any information as they explicitly stated it would be cancelled. Forward to February, on the 4th and the 6th I received two charges from them on the amount of $41.90 and $20.95. I am deeply agitated that because they lied in their email correspondence that I needed to go through my banks dispute line, cancel my card and set up new billing information with my other authorized pre-authorized payment/deposits. And equally annoyed that I had such an impossible time actually getting any assistance with my account in the first place. Whether they even sent out the letters they claimed to have I don't even know.

  

  Business Response

  Date: 02/08/2023

  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *************** complaint on 02/07/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com.  Please see below resolution response:  
  We have reviewed Complaint ******** provided by the Better Business Bureau. In your complaint, you indicated that you were charged for an inaccessible product.  Based on a review of the account, login assistance was provided on September 07, 2021 with no further communication for support requests made after this date.
  Equifax made several attempts to obtain updated payment information and sent several emails advising that  we would continue our efforts to collect the overdue subscription costs.  On February 2, 2023,  your bank allowed us to extract payment for the subscription cost  for December 2022 through February 2023.
   Your cancellation request has been processed. Your cancellation confirmation is 20210618183127235163459.  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

  Customer Answer

  Date: 02/08/2023

   
  Complaint: 19348347
  
  I am rejecting this response because:

  While I appreciate the cancellation of the product, never at any point did I receive any correspondence stating a collection of payments, I did however receive this exact email attached stating that if the credit card on file was not updated that my product would cancel. Giving the impression that unless billing information was updated I would no longer have access to the service, which coincides with the initial email of my card information expiring and the product being cancelled should it not be updated before my next billing date.

  Choosing not to update credit card information upon expiry has long since been a practice of cancelling products which are no longer needed, and the credit card expiring soon email reinforces the idea that this is an option. No where was it indicated that billing would continue past that date. At best it's deceptively misinforming, but it comes across much more as a means to extract as many payments as possible from customers before they realize. 

  following the 2017 breach Equifax has a lot of work to do to regain public trust, and lying directly to customers regarding billing doesn't inspire much faith at all. Do better and properly inform customers of what you're doing, I very much doubt I'm the only person who's gotten those emails and assumed their product would be cancelled following the expiration.

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

  

  Business Response

  Date: 02/13/2023

  EQUIFAX
  
  
  02/13/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *************** complaint on 02/07/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com.  Please see below resolution response:  
  We have reviewed Complaint ******** provided by the Better Business Bureau. In your complaint, you indicated that you were charged for an inaccessible product.  Based on a review of the account, login assistance was provided on September 07, 2021 with no further communication for support requests made after this date.
  Equifax made several attempts to obtain updated payment information and sent several emails advising that  we would continue our efforts to collect the overdue subscription costs.  On February 2, 2023,  your bank allowed us to extract payment for the subscription cost  for December 2022 through February 2023.
   Your cancellation request has been processed. Your cancellation confirmation is 20210618183127235163459.  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:02/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive been in communication with Equifax credit reporting agency about inaccurate transactions on my consumer report. Even after notifying them many times about this error they still continue to report this incorrect information on my file. Not only is it unfair its also illegal. By law 15 U.S code ****( b) it clearly states that your reporting agency must follow these reasonable procedures: requires that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit,personal insurance and other information in a manner which is fair and equitable to me the consumer with regards to the confidentiality,accuracy,relevance, and proper utilization of such information in accordance. this whole thing is unfair this has been stopping me from moving forward in my life because of this inaccurate information being reported on my credit report I have filed a complaint about these fraudulent accounts threw the **** also the *** about these fraudulent accounts I have also told Equifax many time I do not consent to the inaccurate information to be reported on my consumer report this is a clear violation of 15 U.S code **** & 15 US code **** c-2

  Customer Answer

  Date: 02/07/2023

  I am making this request on behalf of my self I do not know why you are sending this message but all of the information in my complaint has came from me 

  

  Business Response

  Date: 02/10/2023

  EQUIFAX
  
  
  02/10/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ******************* complaint on 02/07/2023 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:02/07/2023

  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.GM FINANCIAL LEASING Date of inquiry: 08/31/2020 Account number: ********* GM FINANCIAL LEASING Date of inquiry: 06/29/2019 Account number: ********* FNB OMAHA Date of inquiry: 10/22/2022 Account Number: ******************************** ****************** 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.

  Customer Answer

  Date: 02/07/2023

  I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report. GM FINANCIAL LEASING Date of inquiry: 08/31/2020 Account number: ********* GM FINANCIAL LEASING Date of inquiry: 06/29/2019 Account number: ********* FNB OMAHA Date of inquiry: 10/22/2022 Account Number: ******************************** ****************** 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: 02/08/2023

  
  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Complaint # ********
  
  Dear *****************************, 
  Thank you for submitting ************************************ complaint on 02/07/2023 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

• Initial Complaint

  Date:02/07/2023

  Type:Product 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 sent letters to TRANSUNION , EXPERIAN , and EQUIFAX via **** certified mail addressing inaccuracies on my consumer report , accounts that I had no knowledge of and to investigate and correct the inaccurate information. According to 15 usc **** I as the consumer have a right to privacy and a right to furnish information also a right to not have pertinent information public. 15 usc ****i also highlights the procedure in case of disputes accuracy - in section (5) (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation;. It has been well over ********************************************************************************************************************** attempts to correct inaccuracies on my consumer report. Also EXPERIAN some how always receives my letters via **** certified mail with return postage however I never received back any of my green cards from them nor are they able to be found.

  Customer Answer

  Date: 02/07/2023

  I have attached one of the most recent letter sent to EQUIFAX. This was my third attempt by letter to correct inaccuracies to the consumer report and exercise my consumer rights. All of my letters sent to EQUIFAX are more then ******************************************************************************* correction made to the consumer report. According to 15 USC1681i   if they are not able to conclude their investigation in a timely manner they shall , as quoted   -

   

   If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agencyshall
  (i)
  promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation;

  

  Business Response

  Date: 02/07/2023

  
  EQUIFAX
  
  
  02/07/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ******************************* , Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 02/06/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  
  
  Unfortunately, we are unable to initiate our investigation of the consumers concerns because additional information is required. In order to better assist with the consumers concerns, please have the consumer provide the account names, account numbers, specific concerns and items pertinent to his/her complaint or dispute. 
  
  
  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: 02/07/2023

  Inaccurate personal information: ******************************************************. Also **************************************************************************

  My one and only address that should be reporting is  

  General Delivery ****************************************** as shown on Identification card provided.

  Inaccurate accounts: TBOM/MILSTNE account# ************

  CAPITAL ONE account# ********

  EXETER FIN account#*************

  FST PREMIER account# ************

  DPT TREASURY account# *****

  ******* POST account# ******

  ** U.S. Code ****** - Responsibilities of furnishers of information to consumer reporting agencies
  

  Duty of furnishers of information to provide accurate information
  (1)Prohibition
  (A)Reporting information with actual knowledge of errors
  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.
  (B)Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if
  (i)
  the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
  (ii)
  the information is, in fact, inaccurate.
  (C)No address requirement
  A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph (B) shall not be subject to subparagraph (A); however, nothing in subparagraph (B) shall require a person to specify such an address.

   

  

  Business Response

  Date: 02/08/2023

  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 02/06/2023 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: 02/08/2023

   
  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:02/07/2023

  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.

  I am worried because the following information is on my credit report and you didn't follow the right procedures to make sure the credit reports you distribute are as accurate as possible. Organizations are only need to furnish 100 reliable credit reports thanks to credit report regulations. It is imperative to take all necessary precautions to guarantee the accuracy and completeness of the information provided. This kind of auxiliary data requires more research. I carefully requested a copy of your credit report, but I'm having a hard time locating any mistakes or erroneous entries. Since my information may have been compromised in the Equifax data breach, I am not aware of these facts or false information. By unintentionally filing a fraudulent report, you can violate the FCRA.Despite the fact that you are a federally protected consumer, I recognize that you lack the right to sue **** am bringing a class action lawsuit and requesting default judgment for TILA **** violations, stress, emotional distress, and any other damages under 1692K that equal at least 1% of the business.

  Customer Answer

  Date: 02/08/2023

  Yes I, ***************************** myself filed these said complaints. 

  

  Business Response

  Date: 02/10/2023

  EQUIFAX
  
  
  02/10/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 02/05/2023 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: 02/10/2023

   
  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:02/07/2023

  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.

  I reviewed my annual Consumer Reports and noticed that there was an inaccurate account(s) on my credit report The account is GEORGIAS OWN CREDIT UNION. There is no account number because I have never had an account with this business. There is a hard inquiry from this company on my Equifax credit report.Consumer ****************** have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy.I called GEORGIAS OWN CREDIT UNION on January 5,2023 and asked for an immediate investigation into this misreporting of information. I requested for the inaccuracy to be completely removed from the credit bureau reported to because it is simply unlawful to report false information. I requested proof of a wet signature stating this company has authorization from me to pull my credit file. The have yet to produce this requested document. 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.

  Customer Answer

  Date: 02/07/2023

  I, ***************************, am the consumer and filed the complaint on my own behalf. The complaint must be sent to each bureau reporting inaccurate information so you may encounter the same complaint to each credit bureau reporting. 

  

  Business Response

  Date: 02/07/2023

  EQUIFAX
  
  
  02/07/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ***************************  complaint on 02/05/2023 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: 02/10/2023

   
  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. I trust this matter will be resolved within 30 calendar days from 02/05/2023.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:02/07/2023

  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.

  In accordance with the Fair Credit Reporting act Consumer Adjustment Account ******, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1666B: A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

  Customer Answer

  Date: 02/07/2023

  I filed this complaint on my own behalf because I know my rights outlined by the Fair Credit Reporting Act and equifax has violated those rights. 

  

  Business Response

  Date: 02/07/2023

  EQUIFAX
  
  
  02/07/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ************************************ complaint on 02/03/2023 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: 02/07/2023

   
  Complaint: 19329763
  
  I am rejecting this response because:

  There has been no resolution to my complaint. 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 02/08/2023

  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ************************************ complaint on 02/03/2023 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: 02/08/2023

   
  Complaint: 19329763
  
  I am rejecting this response because:

  this is not a resolution to my complaint. 
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:02/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting act Consumer Adjustment Account ******, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1666B: A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

  Customer Answer

  Date: 02/07/2023

  I filed this complaint on my own behalf and did not use a third party company. I know my rights according to the Fair Credit Reporting Act and equifax has violated them. 

  

  Business Response

  Date: 02/07/2023

  EQUIFAX
  
  
  02/07/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ************************************ complaint on 02/03/2023 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: 02/07/2023

   
  Complaint: 19329732
  
  I am rejecting this response because:

  There has been no resolution to my complaint. 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 02/08/2023

  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ************************************ complaint on 02/03/2023 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: 02/08/2023

   
  Complaint: 19329732
  
  I am rejecting this response because:
  This is not a resolution to my complaint. 
  Sincerely,
  
  *********************

• Initial Complaint

  Date:02/07/2023

  Type:Sales and Advertising 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 had multiple calls and sent multiple letters to Equifax disputing these inquiries that i do not recognize. I spoke with an agent of Equifax on the phone on Jan 18 following up from my call with them on Jan 13 and the agent attempted to lie and say that I never made a call on Jan 13. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they are to be removed to no avail. I have also filed 3 CFPB reports regarding this.The following inquiries need to be removed immediately:KEYBANK DEC 02, 2022 TRUIST BANK FEB 01, 2022

  Customer Answer

  Date: 02/07/2023

  I have had multiple calls and sent multiple letters to Equifax disputing these inquiries that i do not recognize. I spoke with an agent of Equifax on the phone on Jan 18 following up from my call with them on Jan 13 and the agent attempted to lie and say that I never made a call on Jan 13. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they are to be removed to no avail. I have also filed 3 CFPB reports regarding this. The following inquiries need to be removed immediately: KEYBANK DEC 02, 2022 TRUIST BANK FEB 01, 2022

  

  Business Response

  Date: 02/08/2023

  EQUIFAX
  
  
  02/08/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  *****************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 02/02/2023 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 of the information was completed.  The results were sent 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: 02/08/2023

   
  Complaint: 18974028
  
  I am rejecting this response because:

  These inquiries are not authorized by me and according to the law 15 USC ****b I would have to give consent for anything that is reported on my consumer report.  To this date I have not given that consent nor was I asked permission for this action so I need it to be removed immediately.  Failure to do so will result in further legal action in accordance to the violation of this law. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 02/09/2023

  EQUIFAX
  
  
  02/09/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  *****************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 02/02/2023 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 of the information was completed.  The results were sent directly to the consumer. 
  Please be advised that inquiries are a factual record of file access. If the consumer believes the inquiries are unauthorized, please contact the credit grantor directly and follow their internal fraud procedures. If in fact the access was in error, the credit grantor should follow the correct procedures by emailing ******************************************** to have the error corrected. They will ONLY accept emails from Credit Grantors.
  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: 02/09/2023

   
  Complaint: 18974028
  
  I am rejecting this response because:

  They have not removed the inquiries stating that they are accurate.  Under law 15 USC ****b it clearly states that they cannot report these inquiries or any other information without my consent.  They have not been given permission by me to report these nor have they furnished any ************* of consent.  If these inquiries are not removed in 5 business days then legal action in accordance to their violation of the law will be taken. 
  
  Sincerely,
  
  *****************************