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

7,077 total complaints in the last 3 years.
3,392 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:12/20/2022
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, I was reviewing my report and saw a number of accounts and enquiries that I don't remember making. With regard to these accounts and inquiries, I haven't even opened an account. When I contacted the credit bureaus and lenders to let them know that the accounts and inquiries were unauthorized, they disregarded me. This must be taken down right away because it is harming my credit. I have provided proof of my identification in the attachments. I do not currently want to add a fraud alert on my credit record. On my consumer report, there is information that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I am asking for that the reporting of this information be blocked and deleted. I ask that this information's reporting be stopped and removed. I'm incredibly upset, and this has made me depressed a lot because it prevents me from getting my family a new automobile.
Customer Answer
Date: 12/21/2022
Hello, thanks for your concern. No I am not using a third party, I am exercising my rights as a consumer! I completed the complaint myself and have also mailed out letter after letter.  I notice several inaccuracies on my report that are continued to be disregarded by the credit bureaus. Please do not ignore this request.
15 U.S.C **** section 602 A. States I have the right to privacy.

15 U.S.C **** Section 604 A Section 2: It also states, that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt, and nor am I liable for this.

Delete this at once as it is causing severe depression . I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Business Response
Date: 12/22/2022
EQUIFAX

12/22/2022

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

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

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

Thank you for submitting *********************** complaint on 12/20/2022 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: 12/22/2022

Complaint: 18615524

I am rejecting this response because: mailed out letter after letter.  I notice several inaccuracies on my report that are continued to be disregarded by the credit bureaus. Please do not ignore this request.
15 U.S.C **** section 602 A. States I have the right to privacy.

15 U.S.C **** Section 604 A Section 2: It also states, that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt, and nor am I liable for this.

Delete this at once as it is causing severe depression . I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Sincerely,

***********************
Business Response
Date: 12/22/2022
EQUIFAX

12/22/2022

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

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

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

Thank you for submitting *********************** complaint on 12/20/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow within 30 days for the investigation to be completed.
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: 12/22/2022

Complaint: 18615524

I am rejecting this response because:
I have mailed out letter after letter.  I notice several inaccuracies on my report that are continued to be disregarded by the credit bureaus. Please do not ignore this request.
15 U.S.C **** section 602 A. States I have the right to privacy.

15 U.S.C **** Section 604 A Section 2: It also states, that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt, and nor am I liable for this.

Delete this at once as it is causing severe depression . I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Sincerely,

***********************
Initial Complaint
Date:12/20/2022
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 ************************************ , and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I have also enclosed copies of the ************************s Identity Theft Affidavit. Please delete the 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.
Customer Answer
Date: 12/22/2022
Hello, my name is ************************************ , and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I have also enclosed copies of the ************************s Identity Theft Affidavit. Please delete the 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.

Business Response
Date: 12/28/2022
EQUIFAX

12/28/2022

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

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

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

Thank you for submitting Khristaijah ********* complaint on 12/19/2022through 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:12/20/2022
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.
Ticket # A265988342 This is a complaint regarding one of the Instalment accounts in my Equifax Credit Report. I leased a 2021 ****** Camry in August 2021. However, I transferred the lease to a different borrower in July 2022. The lease Transfer transaction was completed in August 2022. The instalment account with a high balance of $22000 was showing up on my credit report and never went away. I submitted a request to dispute the incorrect information in September. Since then I have been calling Equifax every other day. Every time I call, I get the same response, that we are waiting for a response from ****** Credit ******. Since they are not responding, we cannot update the account even though I provided the lease transfer agreement to them. Every time I call them they blame it on ****** Credit ******. However I call ****** Credit ******, and they blame it on Equifax saying they never receive any inquiry about the investigation. Every day I spend a lot of my time on the phone with both companies but No one is giving any solution, except blaming each other. My Credit Score is being impacted by the account and they don't seem to bother much about it. Today when I called Equifax, their representative kept on hanging up the call, finally, when they picked up, the representative lied and that she sent me the customer dispute form which I never received. I want Equifax to update my account and remove the pending balance from that account as I have already transferred the vehicle in August 2022 which I confirmed today with ****************** Dealership as well. I already gave Equifax more than enough proof to fix this account.Equifax has closed the ticket, but the issue is still pending. I raised a dispute request to fix the account in September 2022.
Customer Answer
Date: 12/22/2022
I did submit a complaint against the Equifax.ca .My issue is not getting resolved. I am calling them almost everyday and they keep putting me on hold for long times and hang up the calls finally. Even if they do pickup the call, all they say is it is processing.

Business Response
Date: 01/05/2023
EQUIFAX
CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************
January 5, 2023
Via email: ******************
***************************
1928 ****************
*******, *******
M6S 0B1
Dear ****************,
We acknowledge your complaint to the Better Business Bureau.
After review of your complaint, we reached out to ****** to investigate your dispute.
****** has confirmed that the lease was transferred and your credit file has now been
updated to reflect that there is no balance owing by you for this account.
Yours truly,
******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **
Initial Complaint
Date:12/20/2022
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 not a duplicate complaint. I require Equifax ****** to explain why my credit score dropped 100points for no reason. This complaint has never been filed with bbb and Equifax customer ********************** cannot give me an explanation. They put an inquiry on my file with. O information which is against the law in ******. I require a full explanation. I have never made this complaint before and have ever received resiolution as I have never made this complaint
Customer Answer
Date: 12/21/2022
i do not know about any other complaint with exact wording. the previous complaint was regarding a false phone number. i have noa ***** to any other complaint regarding the msytery account who is a*****ing my credit report. i have recieved no communications about it, no resolution as my complaint was not initially accpeted. if it exists please provide a***** so that it can be dealt with but if another complaint exists it has not been addressed by bbb or equifax and i have no knowledge of making it. i have no emails saying a complaint is in palce already except what you are telling me here.
Business Response
Date: 01/05/2023
EQUIFAX
CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************

January 5, 2023

Via email: ****************************************
**************************

***************************
177 **********************
*******, *******
T3L 2X5

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

We acknowledge your complaint to the Better Business Bureau.

Your complaint to the BBB is confusing. We believe we have responded to all of your
disputes. If there is anything outstanding please advise.
Your previous complaint was related to a phone number, to which we investigated and
responded to you.
An online dispute was submitted on November 11, 2022 Ticket A296555476 for the
collection on your file from CBV Collections, which you advised was not yours. As a
result of this dispute, the collection was put under investigation.
As we did not receive a response from CBV Collections this collection was removed
from your credit report. You were advised of this on November 26, 2022.
As you requested an explanation as to why your score dropped 100 points, an email was
also sent to you on November 16, 2022 explaining the various elements that can impact
your credit score.
We trust this is the information you require.
Yours truly,

******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **

Customer Answer
Date: 01/06/2023

Complaint: 18613419

I am rejecting this response because:
"an explanation as to why your score dropped 100 points, an email was
also sent to you on November 16, 2022 explaining the various elements that can impact
your credit score."
This statement nor the letter sent explained WHY my score dropped 100 points which is an EXTREME amount. As EQUIFAX is SOLELY responsible for the drop in my score, i feel it is my RIGHT as a consumer to know WHY THEY DROPPED my credit score 100 points. As no evidence is present on my equifax credit report that would indicate a reason for the change i can only assume equifax has done this ARBITRARILY AND FOR NO REASON and as it impacts my standing as a consumer negatively i feel a full explanation is required. Equifax is in control of the information, means, and methods of calculating their credit score and needs to be able to justify it to consumers. I feel equifax has been negligent in assessing my credit score and has likely made this change ILLEGALLY and WITHOUT CAUSE.

Sincerely,

***********************
Business Response
Date: 01/06/2023
EQUIFAX
CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************
January 6, 2023
Via email: ****************************************
**************************
***************************
177 **********************
*******, *******
T3L 2X5
Dear **************,
We acknowledge your rebuttal to the Better Business Bureau.
An online dispute was submitted on November 11, 2022 Ticket A296555476 for the
collection on your file from CBV Collections, which you advised was not yours.
The addition of the collection coming to your file would have caused the decrease in
points for your credit score. This may not have been the only factor that contributed to
the decrease as your score is based on the content of your credit file, which includes
payment history, amounts owing, length of credit history, etc.
As a result of this dispute, the collection was put under investigation. As we did not
receive a response from CBV Collections this collection was removed from your credit
report. You were advised of this on November 26, 2022. Therefore, your score will
change once again, as your score is based on the content of your credit file.
If you require any further information pertaining to scores, please visit our website at
www.equifax.ca.
We have determined that all information we can provide you on this topic has now been
provided to you and that our investigation on this topic is complete. We will no longer be
replying to requests for investigation into this same matter.
Yours truly,
******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **
Initial Complaint
Date:12/20/2022
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.
They Violated my rights by breaking multiple laws Between Nov 14, 2022 - Dec 18, 2022, by not resolving my credit report in 30 days due. 15 U.S. Code ****i section (4) In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. 15 U.S. Code ****i section 5 A. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall (i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C **** section 602 A. States I have right to privacy 15 U.S.C **** section 604 A Section 2: It Also states a consumer reporting agency cannot furnish an account without my written instructions. 15 *********** (a) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 *********** (c) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except (1) to advise the consumer that the debt collectors further efforts are being terminated. (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Customer Answer
Date: 12/20/2022
In accordance with the Fair Credit Reporting Act Convergent Account # ****, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. Its Been 30days with no response since the day i sent the letter so they have to go by the law and abide by it.
Business Response
Date: 12/21/2022
EQUIFAX

12/21/2022

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

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

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

Thank you for submitting ************************* complaint on 12/21/2022 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: 12/21/2022

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:12/19/2022
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.
Improper use of my credit report.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 **********. Account name: ***************************, Account #: **************** has violated my rights. 15 U.S.C **** section 602 A. States i have rights to privacy. 15 U.S.C **** Section 604 A Section 2. Also states a consumer reporting agency cannot furnish an account without written instructions. 15 ***********. (a)(5) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. ****s-2 (A)(1) section States. 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.
Customer Answer
Date: 12/19/2022
The complaint was written by me and nobody else
Business Response
Date: 12/21/2022
EQUIFAX

12/21/2022

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

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

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

Thank you for submitting the consumers complaint on 12/19/2022 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
Initial Complaint
Date:12/19/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In Sep 2022 we submitted an application to rent a house and part of the process was a credit check. This credit check revealed some discrepancies on my wife's Equifax credit report. She called Equifax to dispute these discrepancies. She had to pay $4.95 to see her full credit report in the process and we were able to resolve the discrepancies. In Nov I noticed a charge from Equifax for $19.95 on 19 Oct. I asked my wife if she had subscribed to a service from Equifax--she said she didn't. On 14 Nov my wife called Equifax and spoke with ******** to resolve this charge. ******** explained there wasn't any service associated with my wife's account and there was nothing to cancel. She also said she would send the case (#******-11943585) to the billing department for resolution. In early Dec I noticed another charge from Equifax for $19.95. On 2 Dec my wife again called Equifax and spoke with ****** to resolve this problem (case #******-12173049) who assured her it would be fixed. On 18 Dec Equifax charged us $19.95 again. I called Equifax to dispute this charge and was told there's nothing that could be done because there wasn't a service associated with my account. I then called my credit card company (Chase) to dispute these charges.The problem is somehow my wife and/or I were signed up for some monthly subscription that Equifax cannot seem to identify and cancel. Meanwhile I'm still being charged for services I did not agree to.I would like Equifax to terminate any recurring charge or subscription to my credit card and refund me $59.85 and any other charges that occur between now and resolution.
Customer Answer
Date: 12/19/2022
Good afternoon, this message is in response to a request for clarification regarding a complaint I filed against Equifax this morning (19 Dec 22). I personally filed this complaint for an issue I'm having with Equifax and their inaction to resolve it. I would appreciate any help you could offer to getting the issue fixed. Please feel free to contact me further with any questions you might have. Thank you. v/r **********************;
Business Response
Date: 12/21/2022
EQUIFAX

12/21/2022

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

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

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

Thank you for submitting ******************************* complaint on 12/19/2022 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
Based on the results in our findings, Mr. and ********************* do not have any active paid products and no payment/billing history. If they are being charged for a paid product from Equifax, advise the consumer if they can send in bank statements and/or credit card statements for proof of charges.
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: 12/21/2022

Complaint: 18609840

I am rejecting this response because:
Equifax has essentially given the same response to our earlier inquiries into the matter which does not fix the problem. I've attached screenshots of the charges from the past three months as proof that these charges occurred. By their own admission there are no services associated with our accounts but we're still being charged. Equifax should have the capability to search out these charges by customer name and correct the problem.

Sincerely,

*******************************
Business Response
Date: 12/28/2022
EQUIFAX

12/28/2022

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

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

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

Thank you for submitting ************************ complaint on 12/21/2022 through the BBB Complaint Portal. In their complaint, they indicated that they were billed for an Equifax product.
The consumers concerns have been forwarded to the appropriate department for review. Please allow us additional time for further review.
If you experience any issues, please feel free to contact our consumer care department at ************ between 8:00am 12 am, 7 days per week.
Sincerely,

Sr. Consumer Relations Specialist

Customer Answer
Date: 12/28/2022

Complaint: 18609840

I am rejecting this response because the action being taken by Equifax is the same response we've received to no avail. Being told our concerns have been forwarded to the appropriate department has amounted to no resolution. I believe Equifax is preying on me and other consumers with these fraudulent charges and are being exceedingly difficult and inept in stopping and refunding them. I sincerely believe they are playing a shell game by passing my complaints between departments knowing it'll be lost and forgotten.

Sincerely,

*******************************
Initial Complaint
Date:12/19/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In April 2022, I first discovered that I am a victim of identity theft. In the past year alone, three fraudulent utility accounts have appeared in my credit report. Using my name and social security number, fraudsters have opened accounts in other states. All three accounts were sent to collection.Account #1: Opened with ******************************** Credit Management LP. Amount: $600).Account #2: Opened with ********************************* Convergent Outsourcing. Account number: #********. Amount: $501. THIS COMPANY APPEARS TO BE INVOLVED IN A DATA BREACH).Account #3: Opened with ******************************* Online Collections. Account number: #****************. Amount: ******* neither live in the states these accounts were opened in nor did I open them. I came to learn about the accounts once the collection agencies reported them to the credit bureaus. Neither the utility companies nor the collections agencies have contacted me directly about these accounts either.EQUIFAX removed accounts #1 and #3. Account #2, involving Convergent Outsourcing (#********), remains on my credit report despite multiple disputes and extremely heated phone calls with both incompetent Spanish-speaking and English-speaking reps. I have also complained on ******** EQUIFAX's agents have consistently lied to me on the phone and "escalated" my calls to non-existent "supervisors" in an intentional attempt to deceive and brush off my complaints. Company reps have acted unprofessionally, including talking over me, hanging up on me and refusing to remove fraudulent items from my account. They've lied and lied and lied and wasted my precious time. Both EQUIFAX and Convergent Outsourcing are implicated in data breach scandals. And these companies are responsible for the mess they've created in my life.
Customer Answer
Date: 12/19/2022
Hello,
I have only submitted one complaint to the Better Business Bureau, and I am representing myself. I am in no way at this point represented by a third party or an attorney.
Yesterday I did submit, however, a similar complaint to the **** (complaint ID: ***************. As far as I remember, similar documents were also attached to my submission.
Please let me know if you need further information or any other documents for my complaint to be processed.
Thank you,
Aitana
Business Response
Date: 12/20/2022
EQUIFAX

12/20/2022

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

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

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

Thank you for submitting ******************* complaint on 12/17/2022 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: 12/20/2022

Complaint: 18607529

I am rejecting this response because:
Equifax has acted in a negligent way in previous disputes, without providing any feedback as to why a fraudulent account has not been removed from my credit report by now.
Both Equifax's Spanish-speaking and English-speaking agents have been dismissive, lied to me over the phone, transferred me to non-existent "supervisors" and hanged up the phone on me.
I demand the immediate removal of the fraudulent account listed on my credit report related to Convergent Outsourcing, adequate reimbursement for hours spent trying to solve this problem, and the termination of all agents and workers responsible for this negligent behavior.
My consumer rights have been violated for months now, yet Equifax continues to refuse to promptly remove an account opened in my name as a result of identity theft. All of this is having a negative impact on my credit score and well-being.

Sincerely,

*******************
Business Response
Date: 12/21/2022
EQUIFAX

12/21/2022

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

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

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

Thank you for submitting ******************* complaint on 12/18/2022 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:12/19/2022
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 contacted Equifax, Inc. several times via phone, mail, fax, and their online dispute system to have several items removed from my credit file as the victim of identity theft. I've submitted letters detailing the items, as well as my corresponding police report and FTC identity theft affidavit. I have been told numerous times that the items would be removed as they can confirm they've received all of my documents. During my most recent telephone dispute, the agent advised I would have all requested items removed within 48 business hours, provided me with confirmation number **********, and advised he would send me an updated credit report to show the items were removed as he was showing them removed on his end. I received the credit report in which the items are still there. Their errors and untimely resolution have cost me a great deal financially. I am requesting that the following items be removed immediately from my credit file as a result of identity theft and Equifax's legal duty to only reporting accurate, verifiable information:Inquiries: 1. Mar 26, 2021 - CITIBANK NA., BEST BUY 2. Jun 04, 2021 - COMENITYCAPITAL/SEPHORAVISACC 3. Jul 05, 2021 - AMERICAN AIR/CBNA 4. Oct 10, 2021 - MARINER FINANCE 5. Nov 11, 2021 - COMENITYCAPITAL/SEPHORAVISACC 6. Apr 04, 2022 - CITIBANK NA,WAYMC Accounts:1. ****** ************ Account Number xxxxxxxxxxxx **** 2. First National Credit Card CMC - Account Number xxxxxxxxxxxx **** 3. TBOM - Milestone - Account Number xxxxxxxxxxxx **** 4. ******* Bank - Account Number xxxxxxxxxxxx **** 5. ComenityBank/Victoriassecret - Account Number xxxxxxxxxxxx **** 6. **************** / Overstock - Account Number xxxxxxxxxxxx ****
Customer Answer
Date: 12/19/2022
No, this is the only complaint I've submitted regarding this matter.
Business Response
Date: 12/20/2022
EQUIFAX

12/20/2022

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

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

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

Thank you for submitting *********************************** complaint on 12/17/2022 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:12/18/2022
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.
At this time, Equifax is violating my rights as a consumer. I sent a letter to them which they received on December 8. This letter stated my rights as the section 609 states. There are inaccuracies in my report. I was victim of identity theft and I did submit a police report. There are inquiries that I did not initiate. I already reached out to the companies. This is Equifax part to resolve as they are the ones that can remove the inquiries. They subsequently closed the investigation a day after the letter, which clearly indicates they are not investigating anything. They are violating my rights. TransUnion already complied, Equifax has not.
Business Response
Date: 12/28/2022
EQUIFAX

12/28/2022

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

RE: ****** De LA *****************, Case # ********

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

Thank you for submitting ****** De La ***************** complaint on 12/18/2022 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: 12/30/2022

Complaint: 18605826

I am rejecting this response because:
I sent a letter on December 4, which you received on the 8th. Per law you have 30 days otherwise the info needs to be removed. You quickly responded with a letter dated the 12th, stating the same thing you always do inquiries are a factual form of access, blah blah blah.
You did not investigate in 4 days. That is impossible. I provided a police report, you need to remove the inquiries and this can be closed out. Other bureaus comply easily. They care about the consumer. Equifax does not.
Sincerely,

****** De La *****************

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