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.
3,402 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:12/16/2022
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to file a complaint about a problem I am experiencing with Equifax's credit reporting and credit repair services. I have been experiencing issues with my credit report for some time now, and I have been trying to work with Equifax to resolve them. However, despite my efforts, the problems have not been adequately addressed. I am extremely frustrated with the lack of progress on this matter, and I feel that Equifax has not been providing me with the level of service and support that I deserve as a consumer. I am particularly concerned about the impact that this issue is having on my ability to secure loans and credit, as it is causing me undue stress and financial hardship.I am reaching out to the BBB in the hope that you can help me resolve this issue and ensure that my rights as a consumer are protected. I would greatly appreciate any assistance that you can provide in this matter.I sent a letter to Equifax and it has been over 60 days and I have not received any information regarding my requests to fix incorrect information on my credit reports. According to the law 15 U.S. Code ****i: "Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller."
Customer Answer
Date: 12/18/2022
I, ***************************, sent this complaint to BBB.
Business Response
Date: 12/20/2022
EQUIFAX

12/20/2022

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

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

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

Thank you for submitting *************************** complaint on 12/16/2022 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

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:12/16/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I spoke to another representative where we both went through my credit report. As we went through my credit score again, they told me it was inaccurate. As you review my credit score regarding you view that the company reported on my credit reports the same amount twice. As you review my credit score you see that ****** transferred and sold it to someone (unlisted). When you check under the installment account it's listed again under the department of education. As I told the rep, that completely dismissed me and made me feel lesser than others, under the fair report credit act I have the right to challenge inaccurate information that is not 100% correct. The ** department of education is not a collections company so how could it be sold to the same company? That makes the report inaccurate which needs to be disputed, Thank you. Furthermore, they reported I lived in two different states 7 different locations. That is not humanly possible. I currently live at *************************************************************. All this information is inaccurate and by law needs to be deleted. *************************************** Reported: ************* ******************************************************** Reported: 12/2022 ********************************************************************** Reported: 03/2021 ************************************************************ Reported: 02/2016 ****************************************************************** ************* Reported: 08/2019 ********************************************************* Reported: 08/2019
Customer Answer
Date: 12/16/2022
I am reporting for myself, no one else has authorization to report anything to the BBB about me. Every word of my statement came from me.
Business Response
Date: 12/20/2022
EQUIFAX

12/20/2022

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

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

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

Thank you for submitting ********************* complaint on 12/15/2022 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: 12/21/2022

Complaint: 18595947

I am rejecting this response because: *********** has now report my student loans 3x per 1 open account with them. They are now reporting I owe ** **** of *** $6000 plus dollars which is not correct which has caused me not to get into another college of my choice. They have denied me the deletion of inaccurate information such as inquires that were not me.

Sincerely,

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

12/22/2022

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

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

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

Thank you for submitting ********************* complaint on 12/15/2022 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. Please allow 7 to 10 business days to receive the results.

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:12/15/2022
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.
On June 16th, I sent a letter to Equifax stating they have violated my right to privacy in accordance with 15 U.S. Code **** (a)(4) - Congressional findings and statement of purpose (Consumer Right to Privacy) (a)Accuracy and fairness of credit reportingThe Congress makes the following findings: (4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. After showing that even ***** Nexis found that the information was found to be unverifiable and moved to delete it from their record. Where then does Equifax gets its verification from to willfully be non compliant? This has caused me great hardship.
Customer Answer
Date: 12/15/2022
I was provided the wording but filed the complaint myself.

Thank you,
Charly
Business Response
Date: 12/19/2022
EQUIFAX

12/19/2022

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

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

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

Thank you for submitting *************************** complaint on 12/15/2022 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. Please allow **** business days to receive results.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:12/15/2022
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.
I have attempted to have inaccuracies on my credit report corrected on multiple occasions, via email, phone and fax. All attempts have failed, either the issue is neglected or additional errors are made. I have attempted to have my complaint resolved through their management but to no avail. Other reporting agencies have corrected inaccuracies and have correct information. Equifax should be discredited and banned from performing credit reporting services.
Customer Answer
Date: 12/15/2022
This is not a duplicate, if someone else complained regarding the same issue then it goes to prove my complaint further.
Business Response
Date: 01/09/2023
EQUIFAX

CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************
January 9, 2023
Via email: ******************
*******************************
P.O. Box 1060
**********************
C0A 1R0
Dear ******************,
We acknowledge your complaint to the Better Business Bureau.
After review of your complaint, I reviewed all of the online dispute submissions and
documentation provided. It appears that the one account with CIBC xxx8253 was not
indicated on your list of creditors and therefore this account was not updated to reflect it
was included in your bankruptcy. We have now confirmed with CIBC that this account
was in fact included, this account now reflects a zero balance and a notation of included
in bankruptcy.
We have also corrected your credit file to show that the ****** account was not included
in your bankruptcy. We have now removed the notation of included in bankruptcy
account closed have been removed for the mortgage account with CIBC xxx6541.
Yours truly,
******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **

Customer Answer
Date: 01/09/2023
The response from Equifax is accurate with one exception, the ****** ****** account is showing "Account paid, Account Closed". This account is not closed, it is currently being paid as agreed and up to date.
Business Response
Date: 01/11/2023
EQUIFAX

CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************
January 11, 2023
Via email: ******************
*******************************
P.O. Box 1060
**********************
C0A 1R0
Dear ******************,
We acknowledge your rebuttal to the Better Business Bureau.
We have corrected your credit file to show that the ****** account is open and being paid
as agreed. The notation of account paid and closed has been removed.
We apologize for the frustration you have experienced in trying to get your credit report
updated accordingly.
Yours truly,
******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **

Customer Answer
Date: 01/11/2023
The latest correction has not been updated on my report, as far as visible to me.
Business Response
Date: 01/13/2023
EQUIFAX
CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************

January 11, 2023

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

*******************************
P.O. Box 1060
**********************
C0A 1R0

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

We acknowledge your rebuttal to the Better Business Bureau.
My apologies, it is now updated. Please check again.

We have corrected your credit file to show that the ****** account is open and being paid
as agreed. The notation of account paid and closed has been removed.

We apologize for the frustration you have experienced in trying to get your credit report
updated accordingly.
Yours truly,

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

Customer Answer
Date: 01/15/2023
The ****** account is still showing Account paid, account closed.
Business Response
Date: 01/19/2023
EQUIFAX

CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************

January 11, 2023

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

*******************************
P.O. Box 1060
**********************
C0A 1R0

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

We acknowledge your rebuttal to the Better Business Bureau.

We have corrected your credit file to show that the ****** account is open and being paid
as agreed. The notation of account paid and closed has been removed.
We apologize for the frustration you have experienced in trying to get your credit report
updated accordingly.
If the consumer is accessing his file for free via Equifax online - he is only able to access this once a month and will be able to see all the changes then. This generally happens around the 4th of the month - so he will be able to see all the changes as of February 4th.

Yours truly,

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

Customer Answer
Date: 01/19/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
Date:12/14/2022
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 addressed this multiple times to no corrections are deletions. I have sent letters that I have attached requesting items be removed due to permissible purpose and my right to privacy. Also there is late payments being reported that are inaccurate and violate laws that say they must include the transactions and experience not one or the other. I have requested this many times from them and they have failed to comply with laws. It is well past the time they have to do this and I should be seeking damages for each infraction. I would like this resolution immediately. Also there is a collection account that has failed to be verified and after this time period it must be deleted off my report.
Business Response
Date: 12/15/2022
EQUIFAX

12/14/2022

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

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

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

Thank you for submitting *********************** complaint on 12/14/2022 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.

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:12/14/2022
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.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in our operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Also, under the 15 U.S. Code ****b Permissible purposes of consumer reports, every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.I have contacted the creditors and have enclosed all documents to back up my claim. Sincerely, *********************** Enclosed : ID, SSC , Identity theft report
Business Response
Date: 12/15/2022
EQUIFAX

12/15/2022

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

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

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

Thank you for submitting *********************** complaint on 12/14/2022 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:12/14/2022
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 inaccurate items on my credit report that I disputed and never received the results in 30 days
Business Response
Date: 12/15/2022
EQUIFAX

12/15/2022

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

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

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

Thank you for submitting ***************************** complaint on 12/14/2022 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:12/14/2022
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.
15 U.S. Code ****b - Permissible purposes of consumer reports (a)In general Subject to subsection (c); any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2)In accordance with the written instructions of the consumer to whom it relates.Under 15 U.S. Code ****b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we were already involved and sent this letter to the Consumer Financial Protection Bureau, ************************** Better Business Bureau, and *************************
Business Response
Date: 12/15/2022
EQUIFAX

12/15/2022

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

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

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

Thank you for submitting ******************** complaint on 12/14/2022 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 will be sent directly to the consumer.

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:12/14/2022
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.
For continuously reporting unverified information on my report
Business Response
Date: 12/15/2022
EQUIFAX

12/15/2022

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

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

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

Thank you for submitting ************************* complaint on 12/14/2022 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:12/14/2022
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 started my house hunting journey in August of 2022. I started by simply logging into Experian, Equifax, and transunion and requesting a full credit report. That is when the problems began. I noticed very early on that these three companies do no mind violating my consumer rights. Realizing there were MANY in-accuracies on my consumer report, I disputed through the three ONLINE portals, the law states , the information needs to be 100% accurate. They all responded , either updated or verifying everything I disputed. Kind of devastated, because this is causing me to get denied by lenders and putting a huge pause on my life. Determined , I ordered a TRI-merge credit report from *********, So i could simply compare all of the information these three credit beurres were reporting . This first report from ********* was on September 27th, 2022. After seeing these errors still apear on my credit report, I sent Experian, Equifax , and transunion a certified letter, asking them to do a proper investigation on all the accounts i had concerns about, and if the information was not 100% accurate to delete the account immediately.CERTIFIED MAIL was sent September 30 , 2022 and received by them October 3, 2022 EQUIFAX #******************** EXPERIAN #******************** TRANSUNION #******************** I then got a response back from all three, and not all three responding within 30 days . Experian specifically responded October 28, 2022, Report number ************, verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100% accurate. Eqifax Responded October 29, 2022 report number **********, verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100% accurate. Transunion responded , by mail November 5th. verifying, updating and deleting items, then stating they did a proper investigation on my account and everything is 100% accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Not to mention, there are accounts being reported on experian and transunion that are not being reported by equifax. This IS grounds for removal, and they also violated my rights under 15 U.S.C **** section 602 A: States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.Transunion took more than 30 days to complete my investigation , my certified mail is above. With this many violations I sent in my first complaint with the ***** DATES and full investigations are attached below. This will be my second complaint. I had responses from all three within 3 weeks. Experian being my ABSOULTE worst experience . VERIFIED everything instantly and sent me some automated response saying they did a proper investigation and i should pay anyone to fix my credit. In accordance with the ********************** and the several other violations, i would like the following account deleted IMMEDIATELY off of my consumer report.Account name: *********** Account number:517805 Account name: ********************* Account number: ****** Account name: HUNTINGTON BANK Account number: ******
Business Response
Date: 12/14/2022
EQUIFAX

12/14/2022

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

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

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

Thank you for submitting ********************************* complaint on 12/14/2022 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: 12/14/2022

Complaint: 18571411

I am rejecting this response because: you have violated my rights on several occasions . 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
this is not the first time yall have investigated information .
between $100 and $1,000

These damages range between $100 and $1,000. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much.
im no longer asking for any information to be updated , Im asking for the remaining accounts to be deleted. Ive also sent complaints to the attorney general

Sincerely,

*********************************
Business Response
Date: 12/15/2022
EQUIFAX

12/15/2022

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

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

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

Thank you for submitting ********************************* complaint on 12/14/2022 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
Customer Answer
Date: 12/16/2022

Complaint: 18571411

I am rejecting this response because:
I am rejecting this response because: you have violated my rights on several occasions . 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
this is not the first time yall have investigated information .
between $100 and $1,000

These damages range between $100 and $1,000. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much.
im no longer asking for any information to be updated , Im asking for the remaining accounts to be deleted. Ive also sent complaints to the attorney general
You all use the original data furnisher to do a investigation that is not a proper investigation , and is also a violation
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
California Civil Code Section 1786.2defines an investigative consumer report as a consumer report in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through any means. The term does not include a consumer report or other compilation of information that is limited to specific factual information relating to a consumer's credit record or manner of obtaining credit obtained directly from a creditor of the consumer or from a consumer reporting agency when that information was obtained directly from a potential or existing creditor of the consumer or from the consumer.
Sincerely,

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