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

7,004 total complaints in the last 3 years.
3,336 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:12/01/2022
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.
In accordance with the Fair Credit Reporting Act everything has to be 100% accurate on my credit report. The listed accounts below violated my federally protected consumer rights. Equifax have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are not accurate, these are grounds for removal. I have sent at least 10 letters to EQUIFAX begining On 3-1-2022 regarding the inaccurate and unknown things on my credit report. To this day, I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611(a), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. I It has been WAY over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc **** section 623(9)(b)(2) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611(a)(1). The credit Bureaus also violated my rights under 15 U.S.C **** section 604 A Section 2:The law clearly states a consumer reporting agency cannot furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1-(CAPITAL ONE/ACCOUNT# ***************** Has violated my rights 2-(CAPITAL ONE/ACCOUNT#******XXXXXXXXXX)Has violated my rights 3-(JPMCB CARD/ACCOUNT#******XXXX)Has violated my rights 4-(SYNOVUS BANK/ACCOUNT#******XXXX)Has violated my rights 5-(LIGHTSTREAM/ACCOUNT#LS2726XXXX)Has violated my rights I demand these corrections be made immediately
Customer Answer
Date: 12/01/2022
HELLO.

MY NAME IS *****************************. I AM NOT WORKING WITH A THIRD PARTY. I, *****************************, IS THE AUTHORIZED INDIVIDUAL, AND VICTIM BY EQUIFAX THAT HAS RUINED MY LIFE FOR THEIR INACURATE REPORTING AND DECEPTIVE PRACTICES AS A BUSINESS.

I HAVE AN MBA IN FINANCE AND I USED TO BE A MANAGER FOR A LARGE BANK. I KNOW MY RIGHTS AS A CONSUMER. AND IF THEY DONT FIX IT, I WILL HIRE AN ATTORNEY, AND SUE ******************************************** AM DONE WITH THE GAMES.
Business Response
Date: 12/06/2022
EQUIFAX

12/6/2022

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

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

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

Thank you for submitting ***************************** complaint on 11/30/2022 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: 12/06/2022

Complaint: 18487669

I am rejecting this response because: They have said the same thing before, and they have willfully admit and willfully verifies WRONG information on my credit report. This complaint should not be closed until they remove the false items on my credit report. I have sent at least 10 letters to them and they only now want to reply back to me when they realized i am serious. I am a victim under the FCRA.

Sincerely,

*****************************
Business Response
Date: 12/07/2022
EQUIFAX

12/07/2022

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

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

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

Thank you for submitting ***************************** complaint on 11/30/2022 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
Initial Complaint
Date:12/01/2022
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 have unauthorized inquiries on my Equifax report that Equifax refuse to move from my report CBNA 10/10/2021 CBNA 09/18/2022 CBNA 03/12/2021
Business Response
Date: 12/05/2022
EQUIFAX

12/5/2022

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

RE: ******************, Case # **/30/2022

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

Thank you for submitting ***** Kitchen complaint on **/30/2022 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:12/01/2022
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.
Equifax is reporting inaccurate collections on my credit report. I have reached out to them several times and they failed to conduct a proper investigation. They also failed to provide procedures used to improperly verify this information. My most recent attempt to correct this was on 10-4-2022 and I am still having a problem getting this fixed.
Business Response
Date: 12/05/2022

EQUIFAX

12/5/2022

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

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

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

Thank you for submitting *************************** complaint on 11/30/ 2022 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:12/01/2022
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.
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC ****.First ************ # xxxxxxxxxxxx9510 **** of America *** *********** 400344XXXXXX Citi Cards/cbna 542418XXXXXX Discover **** 601100XXXXXX LVNV funding 444796xxxxx LVNV funding *******xxx LVNV funding ******xxx Truist **** Verizon Wireless 725153XXXXXXXX Apple Card 110001XXXXXXXXXX Barclays card 000321XXXXXXXXX Affirm DW7KQ7XX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to ************ information.15 US.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 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.15 U.S.C. **** section 611 (5) Treatment of Inaccurate or Unverifiable Information (A) In general. 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.
Customer Answer
Date: 12/01/2022
Yes I have sent the complaints on my own behalf. No third party company is helping me. I have reviewed consumer protection laws and believe the bureaus are violating my privacy by reporting these inaccurate and incomplete adverse claims. It has negatively affected my life and ability to acquire financing. I would like this adverse information removed immediately.
Business Response
Date: 12/06/2022
EQUIFAX

12/06/2022

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

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

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

Thank you for submitting ********************************* complaint on 11/30/2022 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: 12/06/2022

Complaint: 18482920

I am rejecting this response because:
Equifax did not acknowledge the **** privacy violations. Which I detailed in my complaint. Nor did they state that they would remove the accounts that are violating my privacy.
The inaccurate information they are furnishing is negatively affecting my life and ability to acquire any financing, and I am requesting the removal immediately.

Sincerely,

*****************************
Business Response
Date: 12/07/2022
EQUIFAX

12/07/2022

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

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

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

Thank you for submitting ********************************* complaint on 11/30/2022 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: 12/07/2022

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:12/01/2022
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.
I am writing a complaint about Equifax I have sent a letter on 08/19/22 stating I was having some accounts and information that did not belong to me which I consider inappropriate activity. I also sent them some documents to proof my request including the required FTC I have attempted to contact Equifax so many times via phone and via mail so they can resolve this issue as soon as possible but they have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.
Business Response
Date: 12/05/2022
EQUIFAX

12/05/2022

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

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

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

Thank you for submitting ******************************* complaint on 11/29/2022 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:12/01/2022
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 have inaccurate accounts reporting on my credit report I want them validated I have the right to ask for this.
Business Response
Date: 12/05/2022
EQUIFAX

12/5/2022

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

RE: *************************, Case 18479291

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

Thank you for submitting ************************* complaint on 11/29/2022 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: 12/05/2022

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:12/01/2022
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.
Equifax has the wrong information on my credit report resulting in denial of credit.My credit history began in ****. Equifax has my history as only 3 years.I am employed with ******* Public Schools (currently part-time as I recover from illness). I have been employed since ****.
Customer Answer
Date: 12/02/2022
Finwiselendingpoint
820 ********
*****, ** 84094
************

Huntington National Bank
HM3190
7575 *********************
********, ** 43235
************

BMO ****** Bank
PO Box 509124
*********, ** 92150
************

******* Sachs
PO BOX 45400
**************, ** 84145
************

Also, I have 38 years credit history, not 3. The three bureaus are reporting 3 years which skews my credit profile.

Business Response
Date: 12/06/2022
EQUIFAX

12/06/2022

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

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

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

Thank you for submitting ***************************** complaint on 11/29/2022 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: 12/06/2022

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:12/01/2022
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 tried several times requesting that Equifax update my report which yet to be done. I received an email that my login info had been changed which I did not do. Now I cannot access my account and cannot reset password due to being locked out of the email ************************* account I used to create equifax account with. Equifax rep just sent over text to upload my ID to do verification so could get account reset and that c*** didn't work. This is the only credit bureau I have issues with.
Business Response
Date: 12/05/2022
Dear *******************************,

In reviewing your MyEquifax account, it was discovered that your registration was incomplete.

Please attempt to register again at MyEquifax.com. You will be able to access your MyEquifax account after registration is completed.

If you experience any issues, please feel free to contact our consumer care department at ************ between 8:00am 12 am, 7 days per week.

We sincerely apologize for any inconvenience this issue may have caused.

Thank you for contacting Equifax,

Equifax Consumer Care Team

Customer Answer
Date: 12/05/2022

Complaint: 18477698

I am rejecting this response because: This is not the case. Ive had an existing account for well over 2 years. I cannot reset password due to locked out of ****** email account attached to Equifax and now the system is saying no account found with my credentials. I don't know what you people have done but I'm filing a complaint with the *** and CFPB if my account not made where I can reset it by tomorrow. This goes to show Equifax need to be taken over by the government because you people don't have slightest idea what you're doing.

Sincerely,

*******************************
Business Response
Date: 12/05/2022
EQUIFAX

12/05/2022

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

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

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

Thank you for submitting ******************************* complaint on 11/29/2022 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
Dear *******************************,

In reviewing your MyEquifax account, it was discovered that your registration was incomplete.

Please attempt to register again at MyEquifax.com. You will be able to access your MyEquifax account after registration is completed.

If you experience any issues, please feel free to contact our consumer care department at ************ between 8:00am 12 am, 7 days per week.

We sincerely apologize for any inconvenience this issue may have caused.

Thank you for contacting Equifax,

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

Sr. Consumer Relations Specialist
Customer Answer
Date: 12/05/2022

Complaint: 18477698

I am rejecting this response because: I do remember trying to create a new account which I couldn't because THE system recognized from my credentials already had one. Just tried again and still couldn't complete. Someone that speaks fluent English needs to call ************ me so I can get in my FREAKING ACCOUNT OR HELP SETUP A NEW ONE TOMMORROW.

Sincerely,

*******************************
Initial Complaint
Date:12/01/2022
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello, my name is ********************, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************s Identity Theft Affidavit. Please delete the items as soon as possible.
Business Response
Date: 12/02/2022
EQUIFAX

12/2/2022

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

RE: ********************, Case 18477024

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

Thank you for submitting DARNECQUA LUCASs complaint on 11/29/2022through 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
Customer Answer
Date: 12/02/2022

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:12/01/2022
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.
EQUIFAX is causing me an egregious amount of distress and hardship in my life. I can only presume it is intentional by their continued reporting of inaccurate information in my consumer report. On Sept. 24, 2022 and September 25, 2022 I filed a CFPB complaint #******-9455505 and #******-9456634, respectively, which ultimately led to me filing a criminal complaint for identity theft with the ******* PD and FTC, along with an affidavit regarding the inaccurate information in my consumer report and right to privacy. I mailed my affidavit to EQUIFAX, certified mail #**** **** **** **** **** on Oct 17, 2022, requesting removal of ALL inaccurate in my consumer report. EQUIFAX received correspondence on Oct 21, 2022 completed their reinvestigation on Nov 9, 2022 Report Number ************ to which they corrected my name, which is NOT *************************. The inaccurate entries stem from a name that is not mine. EQUIFA did not correct items from my consumer report and their response was "the data furnisher certified the information was accurate" and "updated" inaccurate information. They had my current driver's license, correct mailing address and my SSN from my Affidavit. They failed to remove multiple inaccurate accounts and addresses and are continuing to cause me to suffer gravely. I was recently denied and loan based on information contained in my consumer report. As a result I am unable to move forward due to these inaccuracies. I am unable to acquire any loans or credit and it is causing me mental distress and anxiety. As a federally protected consumer Congress signed into law the **** to protect my rights from this type of abuse. 15 USC **** s-2 inaccurate and adverse information. I froze ***** Nexis and Sage Stream due to ID theft and they are also reporting my personal information without my consent. I need help!. As of 11/29/2022 EQUIFAX is reporting open accounts and I DO NOT have ANY open accounts. I'm suffering from identity theft and my privacy is being violated.
Customer Answer
Date: 12/01/2022
These are the same violations committed by the agencies previously attempted to resolve. The wording is the same because each of the agencies I filled against committed the same act and they have to be settled independently. There are three different complaints with CFPB and I sent them to each agency who refused to take any action to correct the information as leaving by law. This is/was not a third party filing and I need help because I'm the only one that has first hand knowledge of the violations.
Business Response
Date: 12/06/2022
EQUIFAX

12/06/2022

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

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

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

Thank you for submitting *********************** complaint on 11/29/2022 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

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