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 Risk Management Services

  11601 Roosevelt BLVD N Saint Petersburg, FL 33716-2202

• 

  Equifax, Inc.

  7171 Mercy Rd #330 Omaha, NE 68106

• 

  Equifax Credit Information Services Inc

  33400 8th Ave S Ste 100 Federal Way, WA 98003-2603

• 

  C S C Credit Services, Inc.

  1330 Broadway Ste 310 Oakland, CA 94612-2504

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:01/26/2023

  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.

  In accordance with the Fair Credit Reporting act. The List os accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. ****** Federal Credit Union Account # ****** **************** Account # ****** Midland ********************** Management Account # ****** *************** associates Account # ****** *************** associates Account # ****** Personal ********************** is inaccurate I only have one NAME ******************************* I ONLY Have one Address ******************************************************************* 15 **** Code **** (a)Accuracy and fairness of credit reporting (4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ****b - Permissible purposes of consumer reports 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. (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. 15 U.S. Code ****c - Requirements relating to information contained in consumer reports (5) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

  Customer Answer

  Date: 01/26/2023

  I sent it myself. if you have any questions, please don't hesitate to call me.

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

  My number is ************

  

  Business Response

  Date: 01/31/2023

  EQUIFAX
  
  
  01/31/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *********************' complaint on 01/25/2023 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: 01/31/2023

   
  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:01/26/2023

  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 previously notified all Bureau Equifax, on various occasions that I am a victim of identity theft and requested that they do the following: I am a victim of identity theft. I recently learned that my personal information was used to open various accounts at these companies I did not open or authorize these accounts, and that they be closed immediately. To please send me written confirmation that I am not responsible for these charges on these accounts and take appropriate steps to remove information about these accounts from my credit files. I enclosed a copy of my FTC identity theft report, proof of identity, utility bill, social, and statement letter because the information they are reporting is the result of identity theft, and inaccurate sent this via upload to all there bureaus website, Ive called various times to speak to the proper fraud department and gotten various responses that made no sense or contradicting other reps as well and certified mail more than once I requested that they stop reporting this information to the CRA's, as directed by section 623 (a) (1) (B) of the Fair Credit Reporting Act, 15U. S.C 1681s-2 (a) (1) (B), I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC's notice to furnishes, which explains their responsibilities when reporting information to CRC's, I asked to stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible, please send me a letter explaining their findings and actions. I also asked for verification of everything since they are only stating its accurate and verified, I want to know how its being verified and never received any from none of the bureaus. All they kept doing is just updating my report with remarks stating that the reinvestigation was updated from the previous one & stated as verified I've filed reports with the **** they just close it.

  Customer Answer

  Date: 01/26/2023

  To whom it may concern

  No one filled out this form for me as this was not made by a third party nor was this complaint made by error. I *********************** filled out this form. I am aware of my rights and regulations with the bureaus and they Equifax isn't reinvestigating nor sending me proof of the required verification of how there verifying this account. 

  

  Business Response

  Date: 01/27/2023

  
  EQUIFAX
  
  
  01/27/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *********************** complaint on 01/25/2023 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. 
  
  
  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.
  
  
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 01/27/2023

   
  Complaint: 18893740
  
  I am rejecting this response because: The unverified items listed below remain on my credit report in violation of Federal Law. They are stating they don't collect or maintain copies of contracts between consumers and their creditors yet when they purchase the account, they get an original purchaser agreement thru the original creditor which by the way states the terms and conditions, within that agreement it's a clause in there that states information in there may not be accurate so they are willfully and knowingly are lying. I have been doing my research and have written them already three different times with the accounts number, ftc report and proof of identity. They are required under the **** to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, and reinvestigation they stated in writing that they verified that those items are being reported correctly? So again, I ask Who verified those accounts?
  They have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) (a consumer contract with my signature on it) and under Section 611 (5)(A) of the **** They are required to promptly DELETE all information which cannot be verified.
  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if They fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the ****.
  I demand the following accounts be verified or deleted immediately.
  
  First ************
  Balance$1,050
  Credit limit$700
  Account number ****************
  Date opened Nov 15, 2020
  
  First ************
  Balance$517
  Credit limit$300
  Account number ****************
  Date opened Jan 07, 2019
  Date opened Nov 08, 2021
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 01/27/2023

  EQUIFAX
  
  
  01/27/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  ***********************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting *********************** complaint on 01/25/2023 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 via ***** Please allow 7 to 10 business days to receive results. 
  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: 01/27/2023

   
  Complaint: 18893740
  
  I am rejecting this response because:
  I'm aware there was an investigation and yes, the information was completed.  The results were sent directly to me via ***** I did receive the results. 
  Equifax keeps saying that it's 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. THEY ARE NOT EVEN RESPONDING TO THE COMPLAINT CORRECTLY BECAUSE THERE NOT ANSWERING TO WHAT MY COMPLAINT IS WHICH THERE STATING THEY DONT HAVE CONTRACTS YET PER THE *** THERE REQUIRED TO AS I STATED BEFORE IN THIS PREVIOUS RESPONSE. There stating that through their investigation process, they are able to contact the furnishers of the information and either confirm or correct the data reporting on the file. (THIS IS WHAT I WANT AND NEVER HAVE RECEIVED I REQUESTED ALL THIS IF THEY CAN'T SEND ME THIS OR DONT HAVE IT CORRECT THERE TO DELETE IT WHICH THEY HAVENT.) 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. (I REQUESTED THESE DOCUMENTS AS WELL IM INTILTLED TO THEM BY *** AND THEY WON'T SEND IT AND KEEP STALLING AS LIKE NOW) I WANT THE ACCOUNT DELETED OR ILL BE FORCED TO TAKE LEGAL ACTION. IM TRYING TO RESOLVE THIS AS MY CONSUMER RIGHTS IVE SUMMITED EVEYTHING ASKED FOR!
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:01/25/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello , my name is ******************************* i recently checked my consumer reports and noticed items that need to be erased the from my report. The items i want erased are recorded in the report . I am a victim of Fraud and did not authorize these accounts. These items are effecting my relationships with creditors , i have made the ************************ aware of these items and enclosed my ************************ Identity Theft Affidavit . Please remove these items as soon as possible.

  

  Business Response

  Date: 01/26/2023

  EQUIFAX
  
  
  01/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  *******************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 01/24/2023 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 via ***** Please allow 7 to 10 business days to receive the results. 
  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: 01/26/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I am awaiting to see an response . These inquires need to be removed immediately they are fraudulent ! 
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:01/24/2023

  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 realized this month that I was a victim of identity fraud and there were inquiries on my credit report that I did not authorize or approve. I contacted experian to have those removed the representative that I spoke to at experian took it upon herself to remove my active and accurate car loan to this dispute, without my permission or knowledge. Due to this they reported to equifax and equifax removed active car loan from report altogether. I have called several times and they tell me there is nothing that they can do to have it reinstated. I have sent letter with proof of an active car loan and its a joint account with husband and the car loan shows on his credit report as active. All while inquiries that are fraudulent still remain.

  Customer Answer

  Date: 01/24/2023

  This is not from a third party this is from myself.  Please see my attached id and proof.

  

  Business Response

  Date: 01/27/2023

  EQUIFAX
  
  
  01/27/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: **********************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ********************************** complaint on 01/24/2023 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. 
  
  
  Regarding adding accounts to the credit report: Not all companies choose to report account information to Equifax. 
  Those that do report on a regular basis appear on the credit report. If there is a company that does not appear on the credit report, it is likely that that particular company does not have an established reporting relationship with us. Please contact the specific credit grantor regarding reasons why the credit information associated with the account with them is not reporting  on the Equifax credit report.
  
  
  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: 01/27/2023

   
  Complaint: 18887713
  
  I am rejecting this response because:  They did not review original complaint,  as you will notice in attachment named proof of GM Financial that has been mailed also, it lists how the creditor was listed on my credit report prior to them removing it without my permission and was never disputed by me, which you will see in additional letter that was also mailed to creditor as well.  Account number and name and amount are all listed in attachments and does report to the 3 credit bureaus every 30 days and should have never been removed to begin with and based on information as proof requested please reinstate credit back to my credit file as requested.  I have also included my online access to this creditor along with my January statement again all was mailed to creditor on 01/24/2023. 
  
  Sincerely,
  
  **********************************

  

  Business Response

  Date: 01/31/2023

  EQUIFAX
  
  
  01/31/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: **********************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ********************************** complaint on 01/24/2023 through the BBB Complaint Portal. In their complaint, they indicated GM Financial was removed from the credit file. 
  GM Financial is currently not reporting on the Equifax credit file. Please have the consumer reach out to their lender and request to have the account reported to Equifax.
   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: 01/31/2023

   
  Complaint: 18887713
  
  I am rejecting this response because :I am rejecting this response because:  They did not review original complaint,  as you will notice in attachment named proof of GM Financial that has been mailed also, it lists how the creditor was listed on my credit report prior to them removing it without my permission and was never disputed by me, which you will see in additional letter that was also mailed to creditor as well.  Account number and name and amount are all listed in attachments and does report to the 3 credit bureaus every 30 days and should have never been removed to begin with and based on information as proof requested please reinstate credit back to my credit file as requested.  I have also included my online access to this creditor along with my January statement again all was mailed to creditor on 01/24/2023.   YOU CAN CLEARLY SEE IN ATTACHMENTS THAT GM FINANCIAL NOT ONLY REPORTS TO EQUIFAX HAS REPORTED TO EQUIFAX AND ACCORDING TO STATEMENT REPORTS TO EQUIFAX, IF THEY CONTINUE TO REINSTATE I WILL BE HIRING AN ATTORNEY AND IT HAS BEEN REPORTED TO CFCB, BBB AND FTC AND ATTORNEY GENERAL FOR **.  
  
  Sincerely,
  
  **********************************

• Initial Complaint

  Date:01/24/2023

  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.

  On 08/25/2022 I sent in a dispute letter about collection accounts that are being reported on my credit report that is not mine. Since September 2022 Equifax have sent me several letters about sending in verification. I have sent in my verification on two different times and the collections are being reported as they are mine. On November 14, 2022 I received a letter stating: The Results of Our Reinvestingation: The results on the report are blank and nothing is listed. Since that letter I have received two more letters asking me to send in verification when I have already sent it in by certified mail. Equifax has since closed the dispute case in December and as of today I have not received any reports or the removal of the incorrect collections that is being reported. This investigation has been going on since September 2022. Please remove the collections from my credit report as this incorrect information is hurting my credit score. Collection Accounts: 1. CCS Collections $2,442 Account #**********, 2. **************************** $350 Account #- ######** please remove these accounts as they are NOT MINE

  Customer Answer

  Date: 01/25/2023

  I filed the complaint on behalf of myself. No third party file a complaint for me in response to Equifax on 01/23/2023.

  

  Business Response

  Date: 01/27/2023

  EQUIFAX
  
  
  01/27/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 01/23/2023 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: 01/27/2023

   
  Complaint: 18884588
  
  I am rejecting this response because: This investigation has been ongoing since September 23, 2022. How much longer do I have to wait? It is now January going into February 2023. I have received the same response since this September 2022. I would like this incorrect information deleted now it is hurting my credit as these collections are NOT MINE. The reports I uploaded shows it has already been investigated and reinvestigated with no results. Delete the collections.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 01/27/2023

  EQUIFAX
  
  
  01/27/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ********************** complaint on 01/23/2023 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 within 30 days for the investigation to be completed. 
  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: 01/27/2023

   
  Complaint: 18884588
  
  I am rejecting this response because: The collection accounts have nothing to do with a bank account. These are not my accounts this investigation and reinvestigation was done last year September 23,2022.  I do not understand why these accounts need to be investigated for another 30 days when it has been 5 months already? My original dispute was sent in August 2022. So when does it take Equifax 6months to delete inaccurate information? I will proceed with the legal steps moving forward to remove this information.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/23/2023

  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 **************************, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act (FCRA). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. In accordance with the Fair Credit Reporting act ******* #**********XXX, 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 I have reviewed my Consumer Reports and noticed that ******* is incorrectly wrongfully reporting a collection account with incorrect information. This error is stopping me from buying a house to provide for my family. I have reached out to ******* and all three credit bureaus to get a proper human investigation into this matter and nothing was resolved. Consumer ****************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Please conduct a proper human investigation and provide Proof with statements showing that this account was properly placed as a collection on my credit report along with providing the original signed agreement of the (******* #**********XXX) account showing that I gave written instruction to ************ account. All 3 credit bureaus are reporting inaccurate information on my credit report with conflicting inaccurate dates and incorrect information. If proof can't be provided I demand the above account to be completely removed from my credit report due to failing to report 100% accurate information as well as violating my rights. If the problem can't be resolved I demand $1,000 for each violation. Thanks

  Customer Answer

  Date: 01/23/2023

  I have attached my dispute letter. I havent had anything resolved about the ******* account thats on my credit report. This account is reporting inaccurate information across all 3 bureaus

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case # ******** 
  
  Dear *****************************:
  
  Thank you for submitting ******************* complaint on 01/23/2023 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:01/23/2023

  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 have contacted the Credit bureaus via **** on November 22, 2022 and on December, 26, 2022. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. I do not have any information on who they have spoken with or received any documentation from any entities on my account. This is grounds for removal. They also violated my rights under 15 U.S.C **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It states a consumer reporting agency cannot furnish a account without my written instructions. Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # ********************

  Customer Answer

  Date: 01/24/2023

  I did not sent a third party to file a complaint. This is a complaint that was filed by me(***************************) with the 3 credit bureaus. I used the same wording because I have the same complaint with the 3 credit reporting agencies.

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *************************** complaint on 01/22/2023 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. Please advise them to resubmit in PDF format. 
  
  
  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.
  
  
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:01/23/2023

  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.

  I am not liable for this debt with Navy Federal and do not have a contract with Navy Federal account number *************. They did not provide me with the original application like I asked. I have sent my police report along the Identity theft report.

  Customer Answer

  Date: 01/23/2023

  This complaint was sent by me, I did not work with any third party or company. Thanks 

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 01/22/2023 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 via ***** Please allow **** business days to receive results.  
  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: 01/25/2023

   
  Complaint: 18879964
  
  I am rejecting this response because: Equifax has not sent me any signed contract or verification of this account connected to me. This account must be deleted immediately, I have submitted all documentation to Equifax without an response.  
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  ***************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ******************************* complaint on 01/22/2023 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 allow **** business days to receive results. 
  

  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: 01/25/2023

   
  Complaint: 18879964
  
  I am rejecting this response because: I have sent request multiple times with no response. I did not receive any written verification or signed contract referring to the account in question. This has been going on for months now. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/23/2023

  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.

  To whom it may concern,I have been trying to buy a new home now for months I have had several mortgage lenders try to pull my credit file and no luck two of them have actually called into Equifax and where told to have me call in I have called 2-3 times and asked why my credit file could not be seen by lenders I was never given a real answer only told I have no locks or freezes on my credit file I was asked to mail in proof of identification or fax it in I have done both and now im being told after over 2 weeks they have not received my documentation I have a contract signed on a home and I could loose it because of this I need someone to urgently look into this.

  Customer Answer

  Date: 01/23/2023

  I did not have any party file the complaint i filed the complaint myself this has been an ongoing issue with Equifax and it just so happens it has happened to me at the worst possible time while trying to purchase a home.

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ***** Petrosyans complaint on 01/22/2023 through the BBB Complaint Portal. In their complaint, they indicated that the lender was unable to access their credit file.  Please be advised that an investigation of the information has been initiated. We will send those results directly to the consumer. 
  If your lender needs additional assistance they may contact Equifax ************* at **************.
  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:01/23/2023

  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.

  On August 3, 2022, I completed a CFPB complaint on Equifax, ***************** Nexis, LCI, and Experian regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in July of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated: 1. 15 usc ****(a)(4) Infringed Upon a Consumers right to privacy 2. 15 usc ****b(a)(2) No Permissible purpose/ No written instruction 3. 15 usc ****a-( e) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the ** Bankruptcy Courts and they mailed me back a letter dated November 10 stating that they do not send information to the credit bureaus. So, the claim that it was verified by the ** Bankruptcy Courts of *********, ** is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver's license and a copy of a power bill.

  Customer Answer

  Date: 01/23/2023

  I am filing this claim on my own. I did not use a third party company.

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  *************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ************************* complaint on 01/22/2023 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. 

  
  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: 01/25/2023

   
  Complaint: 18879683
  
  I am rejecting this response because: they did not do my desired outcome which is correcting my Credit Report.  
  

  

  Business Response

  Date: 01/25/2023

  EQUIFAX
  
  
  01/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  *************************, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ************************* complaint on 01/22/2023 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 an individual files bankruptcy, this information will be reported on the credit file. Accounts that were included in the bankruptcy proceeding will reflect a final status as 'Included in Bankruptcy'. Chapter 7, 11 and dismissed or non-discharged Chapter 13 Bankruptcies are reported for 10 years from the filing date. All other bankruptcies are reported for 7 years from the filing date.
  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: 01/25/2023

   
  Complaint: 18879683
  
  I am rejecting this response because: it does not address my complaint properly.
  
  Sincerely,
  
  *************************