Business Profile

Credit Reporting Agencies

Equifax, Inc.

Complaints

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

Customer Complaints Summary

7,044 total complaints in the last 3 years.
3,400 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date: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.
This is in regard to Account *************** of Missouri (TBOM/VT) Account # *******************, Account Opened: 12/29/2018. I have items on my credit report that are not mine and were never opened by me. Even recently an Amex card came on my report I NEVER opened and thankfully that was removed. There was another incident years ago with items coming on my report that were not mine and I am trying to buy a house and there is an item that is not mine and never opened by me on my credit report. I sent in a complaint and so far Equifax replied they verified it belongs to me. Well, that is impossible. I have gone to the local police department and got a police report which I am including along with my identity theft report from the government website identitytheft.gov. I have called legal aid and they said by law it should be removed in 4 days. My mortgage broker says so also and that I can file a lawsuit if it isn't removed because I am being harmed financially and being prevented from buying a house. I don't know what the problem is at the credit bureaus but it isn't my account and I have never received any benefit from this account and have no knowledge of who opened this account. There is no balance owed on the account but it is not mine. My DOB is 7/15/1982 and the last 4 of my SSN is ****.
Customer Answer
Date: 01/23/2023
It is not possible that you have had a complaint with the exact same wording because I personally typed this complaint myself with my own two hands and submitted it. I also got the police report myself and signed it in front of a sworn officer. This is my complaint that was initiated and written by me and not a third party. This has been a very time consumer and burdensome process so please process my complaint so I can get my mortgage to purchase my home! Thank you.
Business Response
Date: 01/26/2023
EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *********************** complaint on 01/19/2023 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
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.
My complaint if for illegal credit reporting practices by Equifax. They have repeatedly ignored the content of my dispute in which they illegally re-inserted a previously deleted account from my credit report with them maliciously violating my my rights as a consumer under the laws under which they're supposed to operate. I explicitly told them that I'm disputing against them for them illegally re-inserting the **** bank account a spelled out in "15 U.S Code 1681i(5)(B)(ii)(iii) Reinsertion of negative items". I call and demand to speak to a manager and told I will get a call back which never happens. Before asking for escalation I have the rep pull up my docs and read to me that they have my specific dispute at which time they agree that under my dispute, that there is no reason for them to contact **** about the account verification since my complaint is way beyond that. This all stems from Equifax stating the only reason the account was added back is because it was supposedly reported back by the creditors(original and 3rd party to which it was sold). The rep also acknowledged that they see the official statements from original creditor ****, saying they haven't reported acct in over a year and to "leave them alone regarding any future disputes because they have nothing to do with the account". The 3rd party, HP Resurgent also provided a letter stating they never reported the account since they are not the original creditor. Both provided these declarations to the ***** Equifax still come back in the end with "contact creditor who verified the account and accurate" which has nothing to do with my dispute to them. They clearly don't care about my rights as a consumer and feel they can just continue to operate with malicious disregard as if they are untouchable. I want the account permanently deleted once and for all, or I will seek full monetary damages.
Customer Answer
Date: 01/23/2023
This is 100% filed by me ************************* as the consumer. I recently filed the same complaint against Experian using same docs. At the time verbally Equifax assured me that they were Now clear on my dispute then the next day they all of a sudden closed the complaint committing the same violation by not processing my actual dispute which is against them which I know for a fact is a stall tactic to frustrate consumers whose rights they continue to violate. Thanks
Business Response
Date: 01/26/2023
EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *********************************** complaint on 01/19/2023 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: 01/26/2023

Complaint: 18841686

I am rejecting this response because: if you read the complaint in my complaint to bbb..the reply for Equifax is the exact reason for my complaint. If Im filing a complaint against them for violating specific consumer laws in regards to illegally re-inserting a previously deleted item from my report..and they respond stating they contacted original creditor who confirmed the account is reporting as accurate, is a clear case of Equifax trying to escape blame for violating my consumer by responding to a dispute that they made up, since my dispute is against them for my consumer rights violation which has nothing to do with the original creditor. So I want Equifax to respond to them illegally re-inserting the previously removed account from my credit report

Sincerely,

***********************************
Business Response
Date: 01/26/2023
EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *********************************** complaint on 01/19/2023 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.
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: 01/26/2023

Complaint: 18841686

I am rejecting this response because:

I am rejecting this response because: if you read the complaint in my
complaint to bbb..the reply for Equifax is the exact reason for my
complaint. If Im filing a complaint against them for violating specific
consumer laws in regards to illegally re-inserting a previously deleted
item from my report..and they respond stating they contacted original
creditor who confirmed the account is reporting as accurate, is a clear
case of Equifax trying to escape blame for violating my consumer by
responding to a dispute that they made up, since my dispute is against
them for my consumer rights violation which has nothing to do with the
original creditor. So I want Equifax to respond to them illegally
re-inserting the previously removed account from my credit report. Their defense verbally was that the creditor "out of the blue" reported back after almost a year. I asked which creditor and they got combative saying "obviously Sofi since its a SOFI account." I stated that SOFI sold the account to HP Resurgent almost a year ago and not to talk down to me when I know what Im talking about. I further stated that they repeatedly refuse to respond to my method of verification request so I can know which creditor "supposedly" reported the account back onto my credit report. the next days following I kept getting alerts that Equifax change my report noted SOFI sold account to 3rd party. I then mentioned no matter who even though they wouldnt tell me since Equifax was in possession of letters from BOTH creditors stating they do not and will not be reporting anything related to that account, which they provided via the ****. **** even stated to leave them alone and don;t contact them about the account as they have nothing to do with it for over a year. In the end Equifax action says: 1-the dont care about consumer law or my rights they violated with the illegal re-insertion 2- they dont care what the original creditor and secondary credit provided to the **** supporting my case...they are going to do what they want no matter the tremendous financial damage being cause to me with every passing day this account remains on my report. It's almost as if they beg to be sued or be part of class action law suits with their behavior. I was already on the fence about the over 6 figures in damages/loss last summer because the repeatedly insisted that there was no freeze on my report and any financial losses that occurred was because the banks/lenders were making a mistake. After a few months of me screaming and asking for escalations, they finally admitted to finding not 1 but 2 internal blocks on my profile for which I still have not received an explanation but was confirmed to have been the cause of the damage to my financially on the business and personal side. So now I see that there is no "turning the other cheek" with them because they continue to act in purposefully malicious manner when it comes to the consumer law as it relates to the rights of consumers.

Sincerely,

***********************************
Initial Complaint
Date:01/23/2023
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.
Equifax furnishing credit reports with invalid items to the public tarnishing my name and I demand these items be removed asap.
Customer Answer
Date: 01/23/2023
Yes ,I ******************************* sent the previous complaint to Equifax.
Business Response
Date: 01/26/2023
EQUIFAX

01/26/2023

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

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

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

Thank you for submitting ******************************* complaint on 01/18/2023 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: 01/26/2023

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:01/19/2023
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.
Hello, my name is ***************************. I am writing this to delete the following information on my credit report files. The items I need deleted are listed below in the report. I am currently a victim of fraud and identity theft and I did not make these changes. I now ask that the items be deleted to correct my credit reports. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************s Identity Theft Affidavit. Please delete these items as soon as possible! Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible
Customer Answer
Date: 01/20/2023
Hello! No I didnt hire a 3rd party company I submitted this complaint on my own.
Business Response
Date: 01/26/2023

EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *************************** complaint on 01/19/2023 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.

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:01/19/2023
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.
Equifax using false information on my credit report a FCRA violations, reinsertion of account without notice to me in writing a violation ,late payment violation ,payment history violation bal on closed account violation remove this account again explain why you are reporting each of these violation
Customer Answer
Date: 01/23/2023
I use consumer law ,they are violating my rights with false fraudulent information that can not be reported under the ****** I myself filed this with you] it seems the consumer is not to know about the laws , [I study consumer law] and credit reporting companies break the law. I sent with this complain factual documents showing their fraudulent reporting and request[ they explain each violation]that should not be reporting on my consumer report also remove this account from my consumer report
Business Response
Date: 01/26/2023

EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *********************** complaint on 01/18/2026 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.

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: 01/26/2023

Complaint: 18837320

I am rejecting this response because: I sent with my complaint to you BBB a factual copy of Equifax credit report with all information in it account name ,account number ,specific concerns and items, all that information was sent to you for Equifax

Sincerely,

***********************
Business Response
Date: 01/26/2023

EQUIFAX

01/26/2023

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

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

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

Thank you for submitting *********************** complaint on 01/18/2023 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 be advised that we did not receive any attached documents. .

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: 01/29/2023

Complaint: 18837320

I am rejecting this response because: hey are staling and have all information they need to answer the dispute this is the second time they did this look at documents i sent it is a factual dispute of violation on there consumer report that are violations of the FCRA

Sincerely,

***********************
Business Response
Date: 02/06/2023
EQUIFAX

02/06/2023

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

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

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

Thank you for submitting *********************** complaint on 01/18/2023 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.
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: 02/06/2023

Complaint: 18837320

I am rejecting this response because: I have not received anything as of today in the mail ,I asked questions as to why they are violating the law when reporting when I get a response I will forward it to you ,Ill bet they do not answer the questions that I want answered thank you for your help

Sincerely,

***********************
Business Response
Date: 02/07/2023
EQUIFAX

02/07/2023

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

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

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

Thank you for submitting *********************** complaint on 01/18/2023 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.
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: 18837320

I am rejecting this response because: I have not received anything from credit reporting company as of 2/07/2023

Sincerely,

***********************
Initial Complaint
Date:01/18/2023
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.
Equifax is furnishing invalid accounts and items on my report. This is tarnishing my image and I demand they be deleted within 3 days of receiving this complaint
Customer Answer
Date: 01/18/2023
I am sending complaints to all 3 bureaus for reporting invalid accounts. Can I not do that? This is not a third party
Business Response
Date: 01/24/2023
EQUIFAX

01/24/2023

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

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

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

Thank you for submitting *********************** complaint on 01/18/2023 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:01/18/2023
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.
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) (2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other: in accordance with the written instructions to the consumer to whom it relates.EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.Account ***************** Auto Fin **** Opened: *********************: $32190 Account Type: Charge Off Account ************************ C **** Opened: September 26, ***********: $0 Account Type: Charge Off , Deposit Related
Customer Answer
Date: 01/18/2023
No, I have not hired a third party at any point. I am seeking for this company to respond to its neglect once and for all. They have affected my purchase of a home for 10 months now and the business should respond to my complaints and requests for proof. Thank you.
Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

RE: Genesis ******* Case # ********

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

Thank you for submitting Genesis ****** complaint on 01/18/2023 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: 01/19/2023

Complaint: 18833711

I am rejecting this response because Equifax company broke the law by not providing me with the required paperwork in a timely manner to address these disputes. No such paperwork exists of myself giving permission to disclose this information.
Additionally, By reporting these inaccuracies you are in violation of 15
USC 1681b ( a ) (2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other: in accordance with the written instructions to the consumer to whom it relates.
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Sincerely,

Genesis ******
Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

RE: Genesis ******* Case # ********

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

Thank you for submitting Genesis ****** complaint on 01/18/2023 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 your credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on your file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 01/19/2023

Complaint: 18833711

I am rejecting this response because it states that I should contact the creditors. However, I have done so and have provided proof of these letters of charge off debt that do not belong to me and that I did not authorize to share this information with Equifax. The creditors have provided me with this proof and I have submitted this proof back as well. No response means non compliance. That is identity theft. Equifax continues to ignore my requests for removal/ block off of these two accounts on my file which I have made clear do not belong to me and must be removed immediately from my consumer report. I have received mail stating that actions required from myself such as submitting proper identification have not been done, however, I have proof and witnesses, notaries, and lawyers that are aware of the circumstances.
It is the responsibility of the consumer agency to comply in accordance with the written instructions given by myself on multiple occasions.
All of this is being organized carefully to pursue litigation.

Sincerely,

Genesis ******
Initial Complaint
Date:01/18/2023
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 sent my Letters off December 6, 2022. I told the credit Bureau to Re- investigate every piece of information on the accounts that I have listed below. Also I have attach the letters I sent out and here is the **** tracking# **********************.According to the **** the **** investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts is still not reporting 100% Accurate and according to the **** 15 USC **** everything has to be 100% Accurate.My identity along with prove of my address has been sent to the credit Bureaus yet they continue to show inaccurate personal information such as Addresses: ***************************** and ******************. again if my account was verified how comes everything is not 100% Accurate.Also disputed items must be stated as disputed on credit report according to **** 611 - 15 USC ****i.Accounts: ************ 517805XXXXXX, Date opened May 16, 2014
Customer Answer
Date: 01/18/2023
The complaint is file by me *********************
I am somewhat concern that consumer have to verify their complaints while nobody checks and balanced these companies that continue to voilate comsumer rights.

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

Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

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

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

Thank you for submitting ********************* complaint on 01/18/2023 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:01/18/2023
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. HNCKWHTBK account number ***********, *********** Firemans F. account number *********, LVNV Funding LLC account number ****************, Midland ********************** Management account number30339xxxx.15 USC **** section 602 (a) (4)-I have the right to privacy. 15 USC **** Section 604(a) (2)-states that a consumer reporting agency cannot furnish a credit report without written consent from the consumer. 15 USC ****c (a) (5)-states that no consumer reporting agency may make any consumer report containing the following items of information... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC ****s-2 (a) (1)- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have reached out to them several times to resolve this issue and they have only ignored my request. Resolution attempts range from online dispute to several phone calls.
Customer Answer
Date: 01/18/2023
File my complain.
Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

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

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

Thank you for submitting ************************* complaint on 01/17/2023 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: 01/19/2023

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:01/18/2023
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 have been disputing these 2 late payments for the last year as they are inaccurate. There are 2 late payments reporting as 30 days late as of January 2022 and 30 days late as of February 2022 on Credit Acceptance. Under 15 U.S. Code ****b - Permissible purposes of consumer reports, these alleged late payments should not be reporting nor ever reported because they were paid on time. I've asked for proof and statements that were on file with Equifax and received nothing to validate these lates. I'm asking that these 2 lates be removed from my credit report.
Customer Answer
Date: 01/18/2023
I am not a third party. I give my full consent to investigate the complaint I SUBMITTED.
Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

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

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

Thank you for submitting *********************** complaint on 01/17/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account information to Equifax. Those that do report on a regular basis appear on your credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on your file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist

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