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

7,084 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:01/11/2023
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.
We are trying to cancel our subscription for identity theft protection. We have used their service for 15 + years. We want to cancel, but they are making it impossible. We have given them all of the verification info they requested, including S.S.# But they now want a copy of my husbands drivers license with permission to use the photo whenever they want. WE feel this is outrages. All we want is to cancel our account with automatic billing to our credit card.
Customer Answer
Date: 01/12/2023
I'm not sure what you are requesting. We are having great difficulty canceling our Equifax account. There are no other third parties involved.
Business Response
Date: 01/13/2023
EQUIFAX

01/13/2023

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

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

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

Thank you for submitting ********************* complaint on 01/11/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
We do not see a MyEquifax account for *********************.
We would need your husband's information to see if he has any Equifax paid product(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
Initial Complaint
Date:01/11/2023
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 have been disputing accounts on my profile I do not recognize. These accounts are negatively affecting my credit report. I am in distress because I can not do what I need to do for myself because of these negative items on my report. I have wrote letters stating the laws they have violated in the fcra. I am to the point of seeking litigation and civil liability for this matter if they are not removed immediately. I have also filed complaints with the **** CFPB. I will also be filing a complaint at the ************************ immediately after this complaint.
Customer Answer
Date: 01/12/2023
Yes i'am the complaint. I have no idea what youre talking about "third Party". I'm having issues with TransUnion, Experian & Equifax not responding within a timely manner with the letters I have submitted. I have sent notice and demands, I'm frustrated to say the least because of the way I'm being treated and ignored. I filed a complaint to the BBB about Experian, TransUnion & Equifax regarding this matter. please let me know if you have anymore questions.
Business Response
Date: 01/13/2023
EQUIFAX

01/13/2023

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

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

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

Thank you for submitting ***************************** complaint on 01/11/2023 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:01/11/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Equifax company reporting inaccurate information on my credit file . Dispute open , and completed with same information no changes . When asked how this information obtained , they referred company called ***** nexis . Contacted ***** Nexis in 11/2022, consumer file sent . Called ***** nexis to discuss . No record of what Equifax stated they received from them regarding me . Report recieved from ***** Nexis , only information inaccurate address , and insurance information . This ia all the public record they have . Sent this information to Equifax , stated this public information , Bankruptcy, inaccurate pay history , inquires all accurate . When asked how did they verify states the above company ***** Nexis , US Courts , whom I also contacted they provided me with website that states no courts provide any information to any companies . Sent all this information in over 45 days ago . Still no resolution. This is clear violaton of FCRA 15USC ****a . Please remove the incorrect information . From my files immediately. Inhave attatched documents supporting my claim . I am also a victim of a data breech , which I have also included this letter . No resolve .
Customer Answer
Date: 01/12/2023
I myself submitted this complaint , however I submitted the same complaint twice , possibly with the same ********* agency . There is no third party involved with my complaint .
Business Response
Date: 01/13/2023

EQUIFAX

01/13/2023

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

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

Dear *****************************,
Thank you for submitting ********************************* complaint on 01/10/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.

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

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

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

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.

Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:01/10/2023
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 October 27th, 2022. I obtain a copy of my Equifax credit report Confirmation Number **********. Upon reviewing the report and all the list of accounts there is multiple violation of FCRA. FEB DESTINY ******** Account is reporting *************** but still open on consumer report with a past due balance. -TBOM- MILESTONE ******** Account is reporting *************** but still open on consumer report with a past due balance. ******** NA ******** Account is reporting *************** but still open on consumer report with a past due balance. JHPDE FINANCE I,LLC ********* This account is on my file, I never had a loan with them for any services. I have disputed with them, this firm is a DEBT BUYER, so this leads one to believe that they bought a debt and Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First Delinquency is May 01, 2017. Then said date the account was open is Feb 23, 2018. This is a clear violation of FCRA reporting inaccurate information on a consumer file. - JPMCB ******** This account is on my file; I never had a loan with them for any services. I have disputed with them. I never had an account with this firm. Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First Delinquency is Mar 01, 2018. Then said date the account was open is March 03, 2015. This is a clear violation of FCRA reporting inaccurate information on a consumer file. - A notice of BANKRUPTCY BEING reported on consumer file. The consumer did not file bankruptcy nor, was this information supplied by the Bankruptcy Court in the *****************. The court does not ************ information to Credit ******************* This is another violation of FCRA Guidelines. 15 U.S. Code ****i - Procedure in case of accuracy.
Customer Answer
Date: 01/11/2023
I am filing this complaint for myself. I am not a third person, my name is ************************
Business Response
Date: 01/12/2023
EQUIFAX

01/12/2023

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

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

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

Thank you for submitting *********************** complaint on 01/10/2023 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: 01/12/2023

Complaint: 18717706

I am rejecting this response because:
Nothing has been done or investigated since I made the complaint or filed the dispute.

Sincerely,

***********************
Business Response
Date: 01/12/2023
EQUIFAX

01/12/2023

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

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

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

Thank you for submitting *********************** complaint on 01/10/2023 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
Initial Complaint
Date:01/10/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been trying to resolve the online access issues to my Equifax account (I cannot see my credit report online) for almost two months. I spoke to many different agents and submitted all the documents as they recommended. Today, January 10, 2023, when I called again to fix my issue, an agent cancelled my free Equifax account without my consent. So I called again and the agents are now telling me different stories. I never requested to cancel my free Equifax online account. I want my account reactivated and all the issues resolved so I can see my credit report online for free.
Customer Answer
Date: 01/11/2023
Hi
I am writing to confirm that I am the customer and I am the one who had interaction with Equifax. I did not authorize any third party to submit any complaint. Please let me know if you need any other information.
Thanks
Afruja ******
Business Response
Date: 01/27/2023
EQUIFAX

01/27/2023

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

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

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

Thank you for submitting Afruja ****** complaint on 01/10/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
Hello *******************,
Please note that we received your complaint and reviewed your file. Following our investigation, we noticed that you attempted to subscribe to the free credit report and score on January 10, 11, 12 and 14, but none of these subscriptions were completed, no agent canceled your product without your consent.
There was an issue with your account and it was resolved today. I also created a new subscription for the free credit report and score and it was successfully completed.
If you need to reset the password to view your credit file, please use the following link ****************************************** and click on "need help signing in" and follow the instructions provided.
We apologize for the inconvenience
Thank you
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: 01/27/2023

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,

Afruja ******
Initial Complaint
Date:01/10/2023
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 accuse Equifax of Fraud. Lying about performance of Disputes and failing to correct financial. I have ZERO collections, calling all creditors listed with very that. Equifax refuse to update records even when given proof.********* and Associate for $159 account 122147XXXX was paid in full 11/01/2021 Easter Account System for $180 account 362962XX paid 12/20/2022
Customer Answer
Date: 01/11/2023
No I am an individual pushed beyond the breaking point, everytime I try and clear my credit history there is always a scam like this s*** here with you. I have zero collections. I am an individual and go f*** yourself and do your god **** job or quit so someone that whats to will

fuckyou
that orgional enough for you
Business Response
Date: 01/12/2023

EQUIFAX

01/12/2023

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

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

Dear *****************************,
Thank you for submitting *************************** complaint on 01/10/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.

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

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

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

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.

Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 01/12/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ******** and have provided the requested information to identify myself to further the case. Nothing has been settled as of yet.

Sincerely,

***************************
Business Response
Date: 01/13/2023
EQUIFAX

01/13/2023

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

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

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

Thank you for submitting *************************** complaint on 01/10/2023 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: 01/13/2023
Understand and awaiting further communication from Equifax or BBB.
Business Response
Date: 01/17/2023
EQUIFAX

01/17/2023

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

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

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

Thank you for submitting *************************** complaint on (01/10/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow 30 days for the investigation to be completed.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 01/17/2023
Will await outcome of investagation.
Business Response
Date: 01/18/2023
EQUIFAX

01/18/2023

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

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

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

Thank you for submitting *************************** complaint on 01/10/2023 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: 01/18/2023

Complaint: 18714178

I am rejecting this response because: First this complaint was made directly because of the 1/10/2023 report that shows you don't actually bother to contact debt holders. Second If you contact the collections company or original company from the debt you would know that it has been paid. and Finally Eqifax is perpetuating a fraud by not clearing paid debts in a timely manner.

Sincerely,

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

01/18/2023

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

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

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

Thank you for submitting *************************** complaint on 01/10/2023 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 7 to 10 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: 01/20/2023

Complaint: 18714178

I am rejecting this response because: they never contacted the creditor and lied to the BBB. attached is the receipt of payment to prove they not only did not contact the company but openly lied about it.

Sincerely,

***************************
Initial Complaint
Date:01/10/2023
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.
Transunion Consumer reporting agency, an unafiliated third party trafficked my personal non public information without my written permission. This is identity theft and a violation of federal law 15 USC 1681d.Transunion consumer reporting agency Violated my right to privacy which is a violation of 15 USC ****.I was never afforded the opportunity to opt out of reporting prior to reporting which is a violation 15 USC ****. Transunion consumer reporting agency obtained my personal information without written permission. As a result, a security breech within the agency compromised the security of my personal, non public information. potentially creating further harm to my personal consumer information. The above violations of law by the consumer reporting agency severely damaged my mode of living, caused adverse actions, mental anguish, fear, anxiety, Reckless endangerment of my personal non public information, discrimination and deprivation of my character.There is NO such law that states a consumers personal non public information must be reported to a consumer reporting agency. Therefore Transunion is liable.I demand ALL derogatory information including inquiries be removed from my consumer report.I have filed complaints with the **** on this Matter Twice.
Customer Answer
Date: 01/11/2023
I am the consumer and natural person who filed this complaint. No third party is doing this on my behalf. ALL three consumer reporting agencies are violating my privacy and defaming my character as they do with most Americans. Equifax, Experian and TransUnion are all experiencing security breeches of some sort and I have been affected by two of them(Equifax and Transunion). What more do you need from me to substantiate my claim?

Business Response
Date: 01/12/2023

EQUIFAX

01/12/2023

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

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

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

Thank you for submitting *************************** complaint on 01/09/2023 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:01/10/2023
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.
The problem occurred because of a "coding issue" when making a change to one of Equifax's servers, according to the company, which said the issue "was in place over a period of a few weeks (and] resulted in the potential miscalculation" of credit scores. While Equifax did not specify dates or figures, a June 1 alert from housing agency ****************** to its clients said Equifax told the agency that about 12% of all credit scores released from March 17 to April 6 may be have been incorrect.
Customer Answer
Date: 01/11/2023
This is my(*******************************) clarification response to the BBB concerns about my submitted complaint I filed online at bbb.org. I certify the complaint was filed only by me(Not an 3rd Party) the consumer against Equifax. In furtherance I have furnished & attached an notarized affidavit of my identity & that the information is true and accurate.
Business Response
Date: 01/12/2023
EQUIFAX

01/12/2023

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

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

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

Thank you for submitting ******* ******* complaint on 01/10/2023 through the BBB Complaint Portal. In their complaint, they indicated that their credit score was incorrect and 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 be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file *** change, which *** impact your credit score depending on the model. No score is part of the credit file and therefore cannot be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit.
If they have any additional questions, they *** call ************** or they *** visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.

Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:01/10/2023
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.
While checking my Equifax credit report I noticed that numerous accounts were showing up in my credit that I have no knowledge of or gave consent to establish/open . I was incarcerated in the federal bureau of prison from Sept 15, 2016 to Dec 06, 2021. Under the **** companies must provide verification of these accounts bearing my original contract and signature and have yet to provide this after previously disputing. Equifax has failed to obtain this even after my request in the dispute process. This is a violation. The accounts in my report are as follow:1) WS BADCOCK account with account #***-***F078433 opened on 02/01/2017 and a balance $0 2) ********* CREDIT/HFH Note loan with account #********** opened on 11/01/2016 and a balance of $0.3) SUNBELT CRDT Secured loan with account #***** opened on 11/22/2016 and a balance of $993.4). *********** AUTO ***** Auto Loan with account #***************** opened on 09/01/2016 and a balance of $0.I request these accounts be deleted from my credit immediately!
Customer Answer
Date: 01/11/2023
I am the consumer. I wish to move forward with filing my complaint.
Business Response
Date: 01/12/2023
EQUIFAX

01/12/2023

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

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

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

Thank you for submitting *********************************** complaint on 01/09/2023 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 7 to 10 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: 01/12/2023

Complaint: 18711503

I am rejecting this response because:
I was in federal custody during the time these accounts were opened. Ive requested original contracts bearing my signature through Equifax in numerous disputes and identifying information from the method of validating these accounts. But they have failed to do so, which is an FCRA violation. I demand the listed accounts be deleted from my credit file or I will move forward in seeking punitive damages through the court system with 7 days of receipt of todays response. To add most of these accounts are dating back to when I was incarcerated and almost seven years old. I have no knowledge or gave consent to open any of these accounts. In particular, *** contacted ************ which is one of the disputed accounts and they informed me that no account exists but yet Equifax is listing it in my credit file which is causing harm detrimentally to me.

Sincerely,

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

01/18/2023

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

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

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

Thank you for submitting *********************************** complaint on 01/09/2023 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: 01/18/2023

Complaint: 18711503

I am rejecting this response because: I spoke to ************ personally and not only face them my account number but also my social and they stated they cant find an account for me. In addition, Equifax has been in a Data breach in which many people ( including my information) was compromised. Ive provided documentation showing u was incarcerated in the federal bureau of prisons from 09/2016 until 12/2021 . Many of the disputed accounts were opened without my knowledge or consent . Per FCRA laws its my right to have a fair dispute process. In your most recent response, you stated that all disputes have been verified electronically. With that being said, who is the source/ name of the person verifying these fraudulent accounts as accurate? But yet Ive provided you with a police report and letter validating my time incarcerated in which these accounts were fraudulently opened. Therefore I demand a fair burden of proof and if not I demand these accounts be deleted within 7 calendar days! Or I will move forward in seeking punitive damages.

Sincerely,

***********************************
Initial Complaint
Date:01/10/2023
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 company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf.I, Genesis ************************** have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. Account ***************** Auto Fin **** Opened: *********************: $32190 Account Type: Charge Off Account #: **** Account ************************ C **** Opened: September 26, ***********: $0 Account Type: Charge Off , Deposit Related Account #: *****
Customer Answer
Date: 01/11/2023
I did not authorize a third party company to file a BBB complaint on my behalf.
Business Response
Date: 01/12/2023
EQUIFAX

01/12/2023

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

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

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

Thank you for submitting Genesis ****** complaint on 01/09/2023 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: 01/12/2023

Complaint: 18709925

Please comply with federals being violated. All this information is being kept really organized for litigation
please give me documentation that I gave permission to disclose this information.

Sincerely,

Genesis ******
Business Response
Date: 01/13/2023
EQUIFAX

01/13/2023

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

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

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

Thank you for submitting Genesis ****** complaint on 01/09/2023 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.
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: 01/14/2023

Complaint: 18709925

I am rejecting this response because:

It has been 11 months of myself along with the guidance of my attorneys sending notarized documentation proving my identity. I continue to receive mail from this company to send in my license and social security card even though there is months of sufficient paperwork proving that I have done so. If you continue to imply thinking this is a 3rd party company, I will set forth action to get remedy for all the damages when I apply for a house and get denied.

Sincerely,

Genesis ******

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