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

7,058 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:01/18/2023
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.
Hello I am ********* ***** and I am writing because I need help. I am a victim of identity theft and I have unauthorized accounts on my credit report. Please help me delete these fraudulent accounts so I can correct my credit report.
Customer Answer
Date: 01/18/2023
Yes I did authorize
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 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

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:01/17/2023
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.
Wrote Equifax on 11.25.2022 with copy of my brother's death certificate and my qualification letter as administrator as per the instructions on their website. Received a letter dated 12/4 that they needed my identification documents and authorization documents. This is not mentioned on the website.I had already sent the authorization documents. Called to see exactly what they wanted and they said to send a picture of my driver's license and social security card. Mailed these on December 17, 2022. It's almost impossible to get a real person on the phone but somehow I managed by pressing random buttons. Called today on 01/17/2022 and they claim they have not received my identification documents which were mailed a month ago and now they also want my brother's identification. This, of course was not mentioned when I called before nor was it mentioned in the letter they sent. Have to talk to someone in ***** who has no idea what's going on and every time I am told something different. I have been trying for two months to simply get a credit report for my brother's estate. Very, very frustrating. Terrible organization. I don't know how they manage to track credit reports when they can't even deal with a simple credit report request for a deceased person.
Customer Answer
Date: 01/17/2023
Sorry I don't understand why you have a problem with my complaint. It is an original complaint composed this afternoon after a very frustrating phone call with Equifax. I am the person who made the complaint and I am the person who has the problem with Equifax. So what exactly is your problem with my complaint?????
Business Response
Date: 01/19/2023

EQUIFAX

01/19/2023

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

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

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.

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

The requestor information needed.

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

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

Deceased Person Information Required:
*Legal Name,
*Social Security number (SSN),
*Date of Birth (DoB), and
*Date of Death.
* Death Certificate
A copy of a valid letter of testamentary listing the third party as an authorized representative OR

A copy of the order from the probate court showing the third party representative is an executor of the consumers estate.

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: 01/19/2023
Obviously, Equifax did not read my complaint. My complaint is not that there is inaccurate information. My complaint is that they will not send me a credit report for my deceased brother. I have already sent them all of the items that they requested to get a credit report, I have sent my qualification letter, my drivers license my Social Security card I have sent them all of the information about my deceased brother I sent all of this information weeks ago and still they will not send me a credit report. That is my complaint I have sent everything and they still refused to send me a credit report.
Business Response
Date: 01/26/2023
EQUIFAX

01/26/2023

*****************************
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 they are requesting a deceased person credit file.

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

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

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

Deceased Person Information Required:
*Legal Name,
*Social Security number (SSN),
*Date of Birth (DoB), and
*Date of Death.
* Death Certificate
A copy of a valid letter of testamentary listing the third party as an authorized representative OR

A copy of the order from the probate court showing the third party representative is an executor of the consumers estate.

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: 18825855

I am rejecting this response because:
I have already sent all of the information requested weeks ago. I have done what you requested and still you will not send me a credit report. I dont know what else to do. Nothing seems to register with you people.
Sincerely,

***************************
Business Response
Date: 01/27/2023
EQUIFAX

01/27/2023

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

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

Dear *****************************,
Thank you for submitting *************************** complaint on 01/17/2023 through the BBB Complaint Portal. In their complaint, they indicated that they are requesting a deceased person credit file.

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

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

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

Deceased Person Information Required:
*Legal Name,
*Social Security number (SSN),
*Date of Birth (DoB), and
*Date of Death.
* Death Certificate
A copy of a valid letter of testamentary listing the third party as an authorized representative OR

A copy of the order from the probate court showing the third party representative is an executor of the consumers estate.

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: 01/30/2023

Complaint: 18825855

I am rejecting this response because: I have already sent them all the information they are requesting.

Sincerely,

***************************
Initial Complaint
Date:01/17/2023
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 credit file is blank or has been deleted completely. I have called and tried to access it online with no luck through Equifax system. It is currently stopping me from being extended credit or opening a new bank account.
Customer Answer
Date: 01/17/2023
No, this was sent because my credit file is not showing in the system and the bank is unable to pull this as well. No third party is acting on my behalf,
Business Response
Date: 01/27/2023
EQUIFAX

01/27/2023

*****************************
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 issues with MyEqufax.com. Please see below resolution response:
Dear *****************************,
In efforts to resolve your login issues quickly, please attempt to register again at my.equifax.com. You will be able to access your myEquifax account after registration is completed.
If you experience any issues, please feel free to contact our consumer care department at 888-836-
6351 between 8:00am 12 am, 7 days per week.
We sincerely apologize for any inconvenience this issue may have caused.
Thank you for contacting Equifax,
Equifax Consumer Care Team
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:01/17/2023
Type:Customer Service 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, I am ************************* and I am writing because I have fraudulent accounts on my credit report. I am a victim of identity theft. My ************************ report and the fraudulent accounts I need removed will be listed in this report. Please delete these fraudulent accounts as soon as possible.
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

*****************************
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: 01/18/2023

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:01/16/2023
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
We are trying to get pre-approved for a mortgage to buy house. On January 12th, 2023, the mortgage company that we were working with had brought to my attention two issues, The first issue was a security freeze that was placed when the mortgage company attempted to do a credit pull, the freeze was done without my authorization, I did not receive any notification that this had occurred. The second issue is the fact that they never updated my name in my records, I legally changed my name in 2011. Because of these two issues, I will not be approved for a mortgage. The mortgage company will not do a credit pull as long as these issues are still present. I sent Equifax the documentation by fax and through their website and the information still has not been corrected. I want the account unfrozen and I want my legal name to be on file, not my old name since I did provide the necessary documents that they had asked for. I want these corrections made immediately. I will not wait to have this resolved.
Customer Answer
Date: 01/16/2023
I'm made the complaint myself. I did not have anyone do it on my behalf.
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting the consumers complaint on 01/16/2023 regarding *******************************-****. In the complaint, it is indicated there are inaccurate or incomplete items appearing on the Equifax credit report. In review, we were unable to locate a credit file with the personal identifying information provided. In order to properly assist the consumer and to initiate an investigation we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows their name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.

Please return this letter along with the requested information to Equifax Information Services LLC ************************************ 30374.

Sincerely,

Equifax
Sr. Consumer Relations Specialist
Customer Answer
Date: 01/18/2023

Complaint: 18819406

I am rejecting this response because:
The requested documents were already sent by fax and through the Equifax website's dispute center. I want the information updated.

Sincerely,

*******************************-****
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting the consumers complaint on 01/16/2023 regarding *******************************-****. In the complaint, it is indicated there are inaccurate or incomplete items appearing on the Equifax credit report. In review, we were unable to locate a credit file with the personal identifying information provided. In order to properly assist the consumer and to initiate an investigation we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows their name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.

Please return this letter along with the requested information to Equifax Information Services LLC ************************************ 30374.

Sincerely,

Equifax
Sr. Consumer Relations Specialist
Customer Answer
Date: 01/18/2023

Complaint: 18819406

I am rejecting this response because:
The requested documents were faxed over to Equifax AND a dispute was filed on the Equifax website, confirmation number **********. I want my information updated.

Sincerely,

*******************************-****
Initial Complaint
Date:01/16/2023
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 submitted multiple attempts to optout of having my nonpublic personal information disclosed regarding the account listed in the letter attached. please remove the following late transaction at once. as this violates my right to privacy and is making it hard for me to focus at work knowing that my rights have been violated and nothing is being done about it.
Customer Answer
Date: 01/16/2023
this is not, a third party i have submitted this complaint myself. can you please process this complaint as i am trying to get this issued resolved asap
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting ***************************** complaint on 01/16/2023 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 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: 01/18/2023

Complaint: 18818739

I am rejecting this response because:
my letter submitted did not even mention the word inaccurate one time. My entire claim was based on Equifax violating my right to privacy, they have completely ignored my complaint and have submitted a computer-generated parroting response, failing to conduct a reasonable reinvestigation regarding the disputed information. I demand you delete the following unlawful reporting late payment/ transaction from my consumer report or i intend to take action immediately for the continued iniquity i have received from your agency. as i am a consumer and i would like to be treated equally with the same rights just like any other consumer.
Sincerely,

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

01/19/2023

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

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

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

Thank you for submitting ***************************** complaint on 01/16/2023through 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: 18818739

I am rejecting this response because:
this is a parroting response that you used from the first response your agency submitted. i did not even mention accuracy in my letter, you have violated my right to privacy by the continued reporting of the late payments on my consumer report without my consent as this is my nonpublic persona information and i demand you delete the following unlawful reporting information from my consumer report at once.
Sincerely,

*****************************
Initial Complaint
Date:01/16/2023
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've made multiple calls to all three credit bureaus and froze all my accounts. Multiple accounts have been created before then, and all but one have been closed. I was told that this account was fraudulent and be taken care of but recently been bombarded with late payments and now have a delinquent **** on my credit. I am extremely aggravated that this is still an issue after being told this was going to be taken care of. The account is an Amazon Credit Card line.
Customer Answer
Date: 01/18/2023
I have filed a complaint with all three credit unions because the issue i am currently experiencing affects my credit score/report.
Business Response
Date: 01/19/2023
EQUIFAX

01/19/2023

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

RE: ***************, Case 18818608

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

Thank you for submitting *************** complaint on 01/16/2023 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

Complaint: 18818608

I am rejecting this response because:
This does not solve my issue at all. This is essentially the exact "solution" I have been given that has lead me to file a complaint in the first place. While this Amazon credit card account sits, and greatly lowers my credit score, I still will be waiting on what seems like a indefinite investigation. I've already froze all three credit accounts for months now, all I need is to remove this fraudulent account off my record and reverse all the damage it has caused me. I also request the BBB to be involved as a source of authority and mediator, so that these credit unions resolve this issue in a timely manner.

Sincerely,

***************
Initial Complaint
Date:01/16/2023
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 is begin completely negligent with my affairs been trying resloved this problem for a couple months now i am a victim of identity theft of your data breach the item listed in attachments
Customer Answer
Date: 01/19/2023
Hey this is my complaint as the consumer there is no third party involved thank you for your concerns
Business Response
Date: 01/24/2023
EQUIFAX

01/24/2023

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

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

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

Thank you for submitting ******************************* complaint on 01/15/2023 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:01/16/2023
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.
In 2021 I appeared before a judge regarding an alleged debt that Midland Credit Management was pursuing. This trial ended on November 19th, 2021 with the judge ruling in my favor. The court ordered the debt and case be dismissed for the account to be removed from my records. As of November 17th, 2022 I noticed that this account and several other fraudulent accounts appear on my report unlawfully. I contacted the credit bureaus to have the following accounts removed but they did not comply. Please help me have these accounts removed from my credit file immediately: Midland Credit Management ****** ********* | *********** ****** ************ | AWA ****** ********* ************ ****** **************** | GM Financial ****** ********* | ****** *****************
Customer Answer
Date: 01/16/2023
Hello! My complaint with Equifax is one of three complaints I filed against the three national credit Bureaus, Equifax, Transunion, and Experian. The letter I wrote and the description of the complaint are all the same because I need to address the same particular issue with all the credit bureaus. There was a breach of my identity and other personal information and I went to court in 2021 for a case ruled in my favor against Midland Credit Management. After a year since the trial ended, my personal data was exposed and several inaccurate things were still showing up on my credit file that I thought were addressed in 2021. I hope this clears up the confusion, I just needed my particular concern to be sent out to all the bureaus to ensure they received my letters finally. Thank you for your help.
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting ********************* complaint on 01/14/2023 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:01/13/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Re: Defamation of Character To Whom It May ************ is about the Consumer Report received via email dated while going through the same, I came to know about a few inaccuracies and even some fraudulent information that was reported in it.According to 15 USC 1681(a)(2), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity.If the debts were valid you created a false impression that I was not able to pay the alleged debts.As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o.I hereby ***** your Company, the opportunity to remedy this matter by doing the following things; Deletion from all consumer reports of the following OPENSKY CAPITAL BANK NA-Account #************XXXX FIRST PREMIER BANK-Account #************XXX ****************** / LEAD Bank-Account #****XXXX Thank you for your cooperation.Sincerely ***************************
Customer Answer
Date: 01/13/2023
I *************************** is the the consumer and Iam the only one making the complaint directly about the following company Equifax
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting ******************************* complaint on 01/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 01/18/2023

Complaint: 18810107

I am rejecting this response because:

Sincerely,

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

01/19/2023

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

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

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

Thank you for submitting ******************************* complaint on 01/13/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow 30 days for the investigation to be completed.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist

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