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.
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Submit a ComplaintThe 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: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 Has violated the **** code by not looking into my identity theft report to Per the **** **** 605B (15 U.S.C. & **** c-2)States all items reported in theft report must be deleted in 4 business days. *********** has failed to do so causing me and my family much harm because My credit profile is damaged because of this identity theft. I will attach proof where trans union refuses my claim and just sent my identity report as a regular dispute.
Business Response
Date: 12/02/2022
EQUIFAX
12/2/2022
*****************************
Better Business Bureau
RE: ***************************, Case 18476418
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 SpecialistInitial Complaint
Date:12/01/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My name is ********************************. I am writing you today that I am sending these dispute letters to you for solving my existing issues in the credit reports. Here no other person or company is involved in sending my letters to you. I am personally sending these letters. I became a victim of Identity Theft on (DECEMBER, 2020) and after that these accounts added to my credit report which were never opened by me. My personal information may had been stolen through any online platform. I have no idea who was behind this crime. Thats why I never filed any police report. But now it has been a serious situation for me. Thats why I want to remove these account ASAP. As required by section FCRA 605B (15 U.S.C. 1681c-2) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1.TBOM/VT, 405731XXXXXXXXXX 2.COMMUNITY FIRST CU OF, 100000XXXXXXXXXXX 3.GM FINANCIAL, 449389XXX 4.FIRST PREMIER BANK, 517800XXXXXXXXXX 5.SBNASELFLNDR, 118306XX INQUIRIES I WANT TO REMOVE:1.ADVANTAGE CREDIT **** 08/24/2022 2.CREDCO, 06/03/2021 3.CREDCO, 06/01/2021 4.CREDCO, 03/23/2021 5.XACTUS-CP, 01/30/2021 6.XACTUS-CP, 12/09/2020 The name of the documents I am attaching here for your better judgment:1.FTC report 2.FCRA 605B, 3.My ID and Utility Bills copyBusiness Response
Date: 12/02/2022
EQUIFAX
12/2/2022
*****************************
Better Business Bureau
RE:***********************, Case 18475545
Dear *****************************:
Thank you for submitting ******* Fords 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 SpecialistInitial Complaint
Date:11/30/2022
Type: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.
Round about 4/2022, I sent an Affidavit of debt verification request letter to Equifax pertaining to two "**** ***** of ********** accounts. Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file" and quote. Company Name: US ***** ************, Account number: ******, ********************** File: May 17, 2022, Confirmation #: **********, See Attachment(s). On 9/30/22, my wife obtained an identity theft police report for both US ***** ************ accounts as well as other accounts, See Attachments. On 10/10/22, I sent separate notarized Affidavits (pertaining to fraudulent accounts, unverified accounts and inquires) to Equifax, Experian and TransUnion, See Attachment. On 11/28/22, I called Equifax to inquire as to the continued reporting of the two US ***** ************ accounts. After being transferred several times and on hold 1 hr. and 35 minutes a supervisor would not answer my questions as to their authority to continue reporting these two accounts that are determined to be a result of identity theft via Police Report. The first customer rep. name is: *******, I.D. #: *****, Call Time: 2:48 PM, Call duration: 1 hr. 36 mins. and 44 seconds, the supervisor hung up me, See Attachments. Issues:1. Equifax did NOT validate the two US ***** ************ accounts.2. Equifax said the two accounts in question were not reporting on my credit file.3. Equifax continues to report the unverified accounts after receiving the police report via certified mail.4. Equifax has request I contact the creditor for validation.5. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of the unverified accounts they remain in my credit file which intentionally violates numerous federal laws such as: FCRA sections; 605(c), 609, 611, 616, 617 623, ect. As well as several FDCPA's.Conclusion:I demand both US ***** Of Ed ****** be deleted immediately.Business Response
Date: 12/02/2022
EQUIFAX
12/2/2022
*****************************
Better Business Bureau
RE: *******************************, File 18475014
Dear *****************************:
Thank you for submitting the consumers complaint on 11/29/2022 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 SpecialistCustomer Answer
Date: 12/15/2022
Let the record reflect that when I initially filed this complaint one of the documents attached was a response from Equifax to one of my requests for debt validation. Had I not provided proper identification they would not have mailed me a response stating the debt was not reporting with Equifax, which turns out to be false. Also, although I have been transferred to another facility, I remain in custody of the federal prison system. I have attached what documents I could obtain. Included is the original Verification of Incarceration Letter, which was sent to Equifax, #1. Postage from the ******************* ***** of ***** Services which reflects my Current address as: ******************************************************************, #2. ************** Photo Identification card which reflects *****************************************************************, as my current address, #3. And an identification card provided to me by this institution, and #4. my Social Security Card.
ATTENTION:
Let the record reflect that as of 12/8/22, Equifax still has me locked out of my account. Therefore, on 12/07/22, time: 12:17 PM through 12:47 PM I called in and spoke to one of their customer reps. inquiring as to what accounts are currently reporting on my credit file. What I discover is the same student loan debt which is the sole purpose of this complaint is now reporting as: "***** of Education / Aidvant", Open Date: "None" listed, Account No.: 92289439791E00120140, Date Closed: 06/01/17, which is also the same close dates as the "US ***** of *********** account no's.: ******** and ********, which my submitted police report has determined to be the cause of identity theft. This account is also inaccurate and has been illegally placed in my credit file. I demand this account be permanently deleted from my credit file immediately.Business Response
Date: 12/16/2022
EQUIFAX
12/16/2022
*****************************
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 SpecialistCustomer Answer
Date: 12/20/2022
Complaint: 18475014
I am rejecting this response because:Complaint: 18475014
I am rejecting this response because: As of 12/19/22 Equifax continues to violate numerous Fair Credit Reporting Acts Laws much as and not limited to: Title 15 USC ****, Sections: 602, 604, 605, 607, 609, 611, 616, 617, etc.
Sec. 602(e)
The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers 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 consumers 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"
"NO SUCH INVESTIGATION HAS TAKEN PLACE"
Sec. 604(a) In general, Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(1) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section **** of title 31 or section **** of title 18. (2) In accordance with the written instructions of the consumer to whom it relates. "I GAVE NO SUCH INSTRUCTION WRITEN NOR VERBAL NEITHER HAS ANY COURT" and,
(g) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. "EQUIFAX HAS NOT PROVIDED ME WITH ANY DOCUMENTS WITHIN THEIR STORED SYSTEM TO VERIFY THIS **** AS MINES"
Sec, 609, ****g - Disclosures to consumers: (a) Information on file; sources; report recipients
Every consumer reporting agency shall, upon request, and subject to section ****h(a)(1) of this title, clearly and accurately disclose to the consumer: (2) The sources of the information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed: Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
"EQUIFAX RESPONE TO MY INITIAL DISPUTE OF THIS **** WAS THAT THIS **** WAS NOT REPORTING ON MY CREDIT FILE". PER EQUIFAXS RESPONE TO THIS COMPLAINT THEY CHOSE TO RELY ON INFORMATION STORED IN THE DETORS FILE WHICH IN IT's OWN IS UNLAWFUL" See Attachment(s):
Sec. 611, ****i - Procedure in case of disputed accuracy: (a)Reinvestigations of disputed information
(1) Reinvestigation required (A)In general
Subject to subsection (f) and except as provided in subsection (g), 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.
(B)Extension of period to reinvestigate
Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
(C)Limitations on extension of period to reinvestigate
Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified.
(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...
"THIS **** WAS NOT VERIFIED IN THE ALLOTED TIME REQUIRED THEREFORE, IT AND ANY **** RELATED TO IT "MUST" BE DELETED IMMEDIATELY". AGAIN, EQUIFAX STATED THIS **** WAS NOT REPORTING IN MY CREDIT FILE, TODATE EQUIFAX CHOSES NOT TO DELETE THE **** BUT REINVESTIGATE IT
Sec. 607, ****e - Compliance procedures(b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
"EQUIFAX HAS NOT ADHERED TO THE ABOVE STATUES" FURTHEMORE,
****c2 - Block of information resulting from identity theft
(a) Block Except as otherwise provided in this section, 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 by such agency of
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information relating to any transaction by the consumer.
(b) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a)
(1) that the information may be a result of identity theft;
(2) That an identity theft report has been filed;
(3) that a block has been requested under this section; and
(4) of the effective dates of the block.
(c) Authority to decline or rescind
(1) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that
(A) the information was blocked in error or a block was requested by the consumer in error;
(B) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block; or
(C) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
"ALTHOUGH I'VE PROVIDED A POLICE REPORT EQUIFAX INTENTIONALLY REFUSES TO ADHERE TO THIS STAUTE PERTAINING TO FRAUD"
15 U.S. Code ****n - Civil liability for willful noncompliance:(a) In General, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Sec. 617. Civil liability for negligent noncompliance
(a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
"BY NO MEANS HAS EQUIFAX ADHERED TO ANY OF THE STATUE(S) ABOVE, EQUIFAX CONTINUESLY VIOLATES THE **** PUT IN PLACE BY COMGRESS TO PROTECT IT'S CITIZENS,
Accuracy and fairness of credit reporting The Congress makes the following findings:
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
I demand that the following accounts be permanently deleted from my credit file immediately and that my credit file is properly documented to reflect the following accounts were the result of Identity Theft, so that other credit reporting agencies will receive notification, or I will take legal action, this is my final attempt to rectify this matter via this platform:
1. ****************** / AIDV, Account Number: 92289439791E00120140, Balance: $0.002. ****************** / AIDV, Account Number: 92289439791E00220140, Balance: $0.00
3. ****************** Account Number: ********, Balance: $6,0004. ****************** Account Number: ********, Balance: $3,500
Please send me an updated credit report once all changes are complete. My current address is: ***************************************************** 07114.Sincerely,
*******************************Initial Complaint
Date:11/30/2022
Type: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.
Consumer ****************** are reporting inaccurate information which is a violation of FCRA under 15 U.S.C. ****a ********************************** Purpose. The information on my credit file must be accurate & fair according to federal law. My address is inaccurately reporting. Address: ************************************************************************** is indeed inaccurate. I've issued letters concerning this information however the information is yet to be disputed which I as a consumer has the right too under FCRA. Delete; ************************************************************************** from my consumer reportCustomer Answer
Date: 11/30/2022
Its clear on my endBusiness Response
Date: 12/06/2022
EQUIFAX
12/6/2022
*****************************
Better Business Bureau
RE: ***************************, Case # ********
Dear *****************************:
Thank you for submitting *************************** complaint on 11/28/2022 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 SpecialistInitial Complaint
Date:11/30/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
i have submitted multiple dispute letters to your agency and you have failed to correct or update the following violations on your behalf. please review the documents i have attached i will be submitting the last 2 letters to your agency which displays proof of my claim. please read thoroughly and remove the unlawful reporting accounts from my report asap. thank youBusiness Response
Date: 12/02/2022
EQUIFAX
12/2/2022
*****************************
Better Business Bureau
RE:*********************************, Case 18474218
Dear *****************************:
Thank you for submitting *********************************** complaint on 11/28/2022 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 SpecialistInitial Complaint
Date:11/30/2022
Type: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 submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request. Please meet my demands within 4 business days. Thank you for your timely compliance.Business Response
Date: 12/02/2022
EQUIFAX
12/2/2022
***********************
Better Business Bureau
RE: ***********************, Case #********
Dear **************:
Thank you for submitting *************************** complaint on 11/28/2022 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 SpecialistInitial Complaint
Date:11/30/2022
Type: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'm not liable for this debt with Speedy Cash and do not have a contract with AD Astra Recovery Services. They did not provide me with the original application like I asked.Correction to my Equifax Credit Report. I demand the account be deleted from my credit report.Business Response
Date: 12/02/2022
EQUIFAX
12/2/2022
***********************
Better Business Bureau
RE: *************************, Case # ********
Dear **************:
Thank you for submitting ******************* complaint on 11/28/2022 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 SpecialistInitial Complaint
Date:11/30/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been trying since March 2022 to get my minor son's credit file frozen, and Equifax has refused to do so.The first time I mailed in all necessary documents, I received no response from the company at all. I have called them at least four times, minimum, and no one has been able to answer any questions over the phone or direct me to anyone who can help. I have mailed them and faxed them all necessary documents four times, minimum, (I think possibly five times) and only receive form letters back with no information on them. I have also faxed them at least two times explaining the situation and asking for someone to call me back and have received no response. At this time, I have no idea whether they have created a file for my minor son that is not frozen and puts him at risk of identity theft, or if he has a frozen file with an incorrect address that puts him at risk of identity theft with documents sent to someone else, if he has a frozen file with a correct address, or if he has no file and no freeze that puts him at risk of identity theft. In summary - Equifax refuses to freeze my minor son's credit. They will not answer my questions by phone, mail, or fax. They only send form letters to me telling me to send in the documents that I have already submitted 4 or 5 times. They are breaking the law and putting my son's identity at risk. I need the company to contact me with confirmation that they have frozen my minor son's file.Business Response
Date: 12/01/2022
EQUIFAX
12/1/2022
*****************************
Better Business Bureau
RE: *************************, Complaint 18470860
Dear *****************************,
Thank you for submitting ************************* complaint on 11/28/2022 through the BBB Complaint Portal. In their complaint, they indicated that they have been trying to add a security freeze to a minor childs file.
One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
Current Address:
* Driver's license
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Sincerely,
Sr. Consumer Relations SpecialistCustomer Answer
Date: 12/01/2022
Complaint: 18470860
I am rejecting this response because your company is breaking the law about refusing to freeze a MINOR'S credit.I have sent copies of ALL necessary documents MULTIPLE times and have NEVER received any confirmation of a frozen file. I have also call that number multiple times and have never been able to receive any answers to whether or not my son's file is frozen or why it has not been able to be frozen.
I have a copy here of all of the documents that I have submitted for the last three times. (Remember that I have submitted all documents times BEFORE these three times too.) Each time I have also written very clear cover letters. I have sent in MULTIPLE times the following: My son's birth certificate, my son's social security card, my driver's license, and three pieces of proof of current address (utility bill, bank statement, and insurance bill).
As of now, I do not know what is the case. Did you create a file for my minor son that is not frozen - thus breaking the law? Does he have a frozen file that you NEVER sent me confirmation of (maybe sent to a wrong address?) - thus putting his identity at risk? Have you never followed the law and frozen his file at all?
As of now. Your company is breaking the law. I HAVE submitted multiple times all of the proper documentation. You are either refusing to freeze my minor son's credit or refusing to send me proof that you have done so. As the breaking of the law about a MINOR'S credit is very serious, I need this resolved because your company is breaking the law.A simple phone call to me with someone looking up his file and telling me if his file is frozen and then sending me written confirmation that his file has been frozen is all I need, and is very clearly what you are legally required to do.
Sincerely,
*************************Business Response
Date: 12/02/2022
EQUIFAX
12/2/2022
*****************************
Better Business Bureau
RE: *************************, Complaint 18470860
Dear *****************************,
Thank you for submitting ************************* rebuttal complaint on 12/1/2022 through the BBB Complaint Portal. In their complaint, they indicated that they have been trying to add a security freeze to a minor childs file.
One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
Current Address:
* Driver's license
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
It is not mandatory to provide the requested information. However without it, we will not be able to assist the consumer with their concerns.
Sincerely,
Sr. Consumer Relations SpecialistCustomer Answer
Date: 12/02/2022
Complaint: 18470860
I am rejecting this response because:Please read my complaint. I HAVE sent all of those documents both my mail and fax multiple times. You either never send me confirmation or send a form letter back asking for the exact documents that I have sent. Read my complaint and my follow up. I have sent those documents up to five times.
Sincerely,
*************************Initial Complaint
Date:11/30/2022
Type: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 submitting this complaint/dispute without error or influence of any third party agency. Please see the attached documentation and meet my requests in a timely fashion. Thank you for your timely compliance.Business Response
Date: 12/01/2022
EQUIFAX
12/1/2022
*****************************
Better Business Bureau
RE:*************************, Case # ********
Dear *****************************:
Thank you for submitting ************************* complaint on 11/27/2022 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 SpecialistInitial Complaint
Date:11/29/2022
Type: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 not aware of this account. I have reached out to Equifax Credit Bureau and CB/VICSCRT to have this account removed from my file and they are continue to said the same reasons, which should no longer acceptable. Regardless of all actions done on my end, there was no movement or action from Equifax. Thus, I am reaching out to seek assistance to have CB/VICSCRT that I have no account with them and that the Equifax can simply remove it from my credit report.Business Response
Date: 12/01/2022
EQUIFAX
12/1/2022
*****************************
Better Business Bureau
RE: *******************************, Complaint 18457009
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.
One of our most important responsibilities is protecting your personal information. Before we are able to assist you with your Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
Current Address:
* Driver's license
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Sincerely,
Sr. Consumer Relations Specialist
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