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

7,005 total complaints in the last 3 years.
3,345 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:11/29/2022
Type:Product 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.
11/26/2022 I noticed a charge on my card for ****** from Equifax. I called immediately for a refund was spoken to VERY rude and the representative stated he would not give me a refund. I asked to speak with a supervisor and she refused to give me a refund as well (the same day I was charged) I have never experienced this with any other company I felt very disrespected and more importantly I hope to never do business with this company again. I would like a refund
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 they are requesting a refund. Please see below resolution response:
The consumer called in on 11/25/2022 to cancel their Equifax Complete Premier product. There are no other notes showing the consumer contacted Equifax for cancellation assistance after the 7 days trial. Per Equifax refund policy, the requested refund for the month of November **** for the amount of $19.95 has been denied per no evidence of cancellation request. Scheduled cancellation is already initiated for Product Equifax Complete Premier (Order Number: 2022111722415134830676072). Hence it will be automatically canceled at the end of the billing cycle 12/24/2022. If the consumer can provide or has proof that she requested cancellation prior to the end of the promotional offer period, please advise to provide for further review.
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:11/29/2022
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 company after a requested thorough investigation into these accounts is STILL being reported on my consumer credit report. I informed them that my federally-backed consumer rights have been violated.I disputed these items multiple times and they keep coming back "verified"I'm not provided the actual process of verifying this information by the credit bureaus.See the attachment named "CFPB document" to see all of the individual accounts affected In accordance with the Fair Credit Reporting Act, the following published accounts have violated one or more of my consumer rights:15 ********** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 USC ****a(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.How is this?I would like to know who did they talk to? 15 ************* (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 Also, this Credit Bureau took more than 30 days to complete my investigation, see my attached certified mail tracking numbers. This is a violation in itself!!Please DELETE all of these off my credit report
Customer Answer
Date: 12/01/2022
No third party prepared my complaint.
I (*****************************) prepared this complaint, myself.
I've included my driver license to send verification.
You can proceed with your investigation, Thanks
Business Response
Date: 12/06/2022
EQUIFAX

12/06/2022

*****************************
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 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:11/29/2022
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.
For continuously reporting unverified information on my report
Business Response
Date: 11/30/2022

EQUIFAX

11/30/2022

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

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

Dear *****************************,
Thank you for submitting ********************************* complaint on 11/26/2022 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
Initial Complaint
Date:11/29/2022
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.C **** section 602 A. States I have the right to privacy.15 U.S.C **** section 604 A. Section 2 States a consumer reporting agency cannot furnish a account without my written instructions. 15 U.S.C **** (a) (4) States 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.15 *********** (e) States 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.15 *********** (a) (2) States information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation 15 *********** (5) (A) (i) (ii) States 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 shallpromptly 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
Customer Answer
Date: 12/02/2022
I ***********************, a consumer filed this complaint myself. I did not file via 3rd party.
Business Response
Date: 12/06/2022
EQUIFAX

12/6/2022

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

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

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

Thank you for submitting ***********************' complaint on 11/26/2022 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: 18466370

I am rejecting this response because:
Equifax completed investigations september 2022, october 2022, and November 2022. Now is not the time to do another investigation which will make it the 4th month in a row. Equifax has failed to correct the errors and inaccuracies on my consumer report. My rights are being violated.

Sincerely,

***********************
Business Response
Date: 12/08/2022
EQUIFAX

12/08/2022

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

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

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

Thank you for submitting ***********************' complaint on 11/26/2022 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: 12/08/2022

Complaint: 18466370

I am rejecting this response because:
Equifax completed investigations with creditors september 2022, october 2022, and November 2022. Now is not the time to do another investigation which will make it the 4th month in a row. Equifax has failed to correct the errors and inaccuracies on my consumer report. My rights are being violated.

15 ********** section 602 A. States I have the right to privacy. 15 U.S.C **** section 604 A. Section 2 States a consumer reporting agency cannot furnish a account without my written instructions. 15 U.S.C **** (a) (4) States 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. 15 U.S.C ****a (e) States 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. 15 U.S.C ****b (a) (2) States information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation 15 *********** (5) (A) (i) (ii) States 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 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
Sincerely,

***********************
Initial Complaint
Date:11/29/2022
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 disputed with Equifax about ************************* and LVNV Funding LLC reporting past due on collection accounts to the credit bureau. That is a violation of the **** but yet Equifax still allow it to be placed on my credit report. If an account has been sold to a debt collector, they can not carry a past due on the account because I never had an account with them nor a payment due so how can I be past due.
Customer Answer
Date: 11/29/2022
Yes it was me sending the two complaints similar because the two debt collectors report the same and list the same FCRA infraction. I disputed them off Experian and both start reporting to TransUnion and Equifax the next month. Thanks for checking on the situation and I appreciate you investigating this matter.
Business Response
Date: 12/05/2022
EQUIFAX

12/05/2022

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

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

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

Thank you for submitting ********************* complaint on 11/26/2022 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
This is **************************** and I authorized this complaint.
Business Response
Date: 12/08/2022
EQUIFAX

12/08/2022

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

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

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

Thank you for submitting ********************* complaint on 11/26/2022 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: 12/08/2022
This account is not mine that Portfolio is putting on my credit report. LVNV is stating an available credit of negative $-614 which is a violation of the **** because you can not report available credit on an debt collectors account.
Business Response
Date: 12/08/2022
EQUIFAX

12/08/2022

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

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

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

Thank you for submitting ********************* complaint on 11/26/2022 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: 12/08/2022

Complaint: 18466033

I am rejecting this response because: I requested "method of verification" from Equifax providing the name and documents used to verify your re-investigation. They had already sent it to e-***** once so why again. I suppose to get a fair and thorough investigation by the *** and not the furnisher because they are going to say it's accurate.

Sincerely,

*********************
Initial Complaint
Date:11/29/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This so unfair that this credit reporting agency is in control of my life and they are not making sure they do their jobs by making sure all accounts on my report is 100% accurate and make sure they are verifiable. I want these accounts investigated and deleted if this agency cannot send me all copies and files to verify each account with 30 days and if they are reporting inaccurate.
Customer Answer
Date: 11/29/2022
I don't have a 3rd party I submitted my own complaint to you guys. Some one may have showed me how to study the laws and where to find them but I submitted my own complaint. So please move forward with this complaint.
Business Response
Date: 12/05/2022
EQUIFAX

12/5/2022

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

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

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

Thank you for submitting ****************** complaint on 11/26/2022 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:11/29/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In May 2022, I sent out the first letter to Equifax requesting them to verify the following accounts: ***** FARGO CARD SVC ACCT #: **************** and **** FCU ACCT #: **********************. ********************** responded stating the the accounts were "updated and verified." Upon doing further investigation on my report, I came to understand that according to the ***** the information must be 100% accurate and 100% correct. However, when doing my own due diligence and checking out my consumer report, I found discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment across all three bureaus. I am having a hard time figuring out what information is correct thus seeing that my report lacks validity. As a result, I filed a complaint with the **** on 11/7/2022 requesting the accounts to be reinvestigated while also submitting my proof of the inaccuracies. *********** again resulted the dispute as "updated and verified." *********** did not provide what was "updated" on the **** FCU ACCT which still shows the same information and nothing was changed. However, the company states they changed the date of last activity, date reported, date opened, closing date and the date of late made payment on the ***** FARGO CARD SVC ACCT but I am still seeing inaccuracies. I also requested for the MACYSCBNA account #****************, on my report, to be investigated due to me finding out this account belongs to my biological father, but they noted the result of the investigation "verified and updated" as well. I requested to be provided proof of these account, specifically the contract with my original signature and according to 15 U.S. Code ****i, procedure in case of disputed accuracy (6)(b)(iii), I also requested the description of the procedure used to determine the accuracy and did not receive any of those via mail. I am requesting remedy for the inaccuracies or all accounts deleted from my file. Please see supporting documents
Customer Answer
Date: 11/29/2022
Both complaints did not come from a third party. They came directly from myself, the consumer. They were similar complaints including similar accounts, placed on two different credit bureaus, Equifax and Experian. Therefore, I completed two separate complaints. Please see ID as proof of identity. Last four of social ****.
Business Response
Date: 12/05/2022

EQUIFAX

12/05/2022

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

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

Dear *****************************,
Thank you for submitting the ************************* complaint on 11/26/2022 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
Customer Answer
Date: 12/05/2022
Sending proof to verify identity and proof or address. Social security card to verify identity and ID to verify address.
Business Response
Date: 12/08/2022
EQUIFAX

12/08/2022

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

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

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

Thank you for submitting ************************* complaint on 11/26/2022 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: 12/12/2022

Complaint: 18464962

I am rejecting this response because as a result of the three accounts mentioned in the original complaint, Equifax opened three disputes. One dispute has been closed as of 12/08/2022 (***** Fargo Acct). I called to get clarification on the solution because I am aware I had 7 days to respond to this complaint. I spoke with a representative at Equifax who had to escalate the issue to a supervisor on duty by the name of *******. In conclusion, she states that the account has been verified but because the verification process is done through another department she was unable to mail me verifiable proof that I was requesting, as well as, refused to provide a description of the procedure used to determine the accuracy. I explained that I understood that the job of her Company was to provide 100% accurate information on reports and if it cannot be 100% verified to the consumer then the account is unjustified. I also asked the Supervisor if she was familiar with 15 USC ****i, specifically (6)(iii) which expresses by law I have a right to the description of the procedure used to determine the accuracy. She continued by saying she understood but unfortunately she does not believe the company provides those documents. As stated in my original complaint, I am requesting remedy or all accounts to be deleted if the company cannot provide me with verifiable proof including the original contract AND the description of the procedure used to determine the accuracy. I am submitting this response because I will not accept the same response to the other accounts they still currently have open. Thank you for your help.
Sincerely,

*************************
Business Response
Date: 12/14/2022
EQUIFAX

12/14/2022

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

RE: *************************, Case 18464962

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

Thank you for submitting ************************* complaint on 11/26/2022 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.
Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account information to Equifax. Those that do report on a regular basis appear on your credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on your file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).

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

Sr. Consumer Relations Specialist
Initial Complaint
Date:11/29/2022
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 submitted information including my identification, identity theft reports, and a formal request on three separate occasions to Equifax and their fraud department informing them that they are still reporting accounts on my credit report that are a result of identity theft. However, they are still reporting the accounts listed below. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 1) Southwest Credit Systems (10/28/2022)2) CCS Collections (04/29/2022)3) Portfolio Recovery (10/24/2018)4) Portfolio Recovery ( 08/14/2019)Equifax Is required by law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. Equifax has a fiduciary duty to me as the consumer and they must exercise their grave responsibility with fairness, impartiality, and a respect for my right to privacy.
Customer Answer
Date: 11/29/2022
I did not utilize a 3rd party entity to process my complaint. I simply am exercising my rights as a consumer under the consumer law. I did cite consumer law in my complaint. This could be why the language appear similar to other complaints that you received in the past. This complaint is valid, accurate, and follows the BBB guidelines. I submitted it myself and did not have any assistance. Please move forward with processing.

Thank You,
***************************
Business Response
Date: 12/05/2022
EQUIFAX

12/5/2022

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

RE:***************************, Case 18464730

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

Thank you for submitting ***************************** complaint on 11/26/2022 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:11/29/2022
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.
On July 1, 2012, I requested a cancellation of the product with Equifax. Until now, the product has not been cancelled, and they keep charging me money from the bank. Throughout the four-month period, I called every month when I was charged again and again, and each time, the representatives confirmed the cancellation and asked me to wait for their confirmation email within 2 weeks. Please view the attached document for more information on each call. As a result, the company breached their conditions in Section 9 that I could cancel my plan anytime, which I did for 4 months and is still active; it is also just like financial fraud to keep charging me money for something I did not authorize to do so. I just want to cancel my product, and not continue to waste my time by calling and being fooled again and again.
Customer Answer
Date: 11/29/2022
This is the clarification that my complaint filing was done by personally, and did not authorize 3rd party to do so.
For add-on, my account with Equifax is **********- ****************.
Business Response
Date: 12/08/2022
EQUIFAX

12/08/2022

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

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

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

Thank you for submitting *************** complaint on 11/25/2022 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com. Please see below resolution response:
The request to cancel Equifax CompleteTM Premier is complete and the product subscription is no longer active. They will no longer receive any further charges, or be able to access the product online. Based on our review of the account, we have issued a refund related to Equifax paid product in the amount of ***** CAD.
We hope this resolves the concerns. If they have any additional questions, they may call 1-888-EQUIFAX *************) or they may visit www.myequifax.com. With myEquifax, they can manage a security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products. They may also obtain a free copy of your credit report on annualcreditreport.com.
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: 12/08/2022

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,

Min ***********
Initial Complaint
Date:11/28/2022
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.
Dear Better Business Bureau I am writing a complaint about Equifax bureau, I sent a letter on 08/14/22 stating I had some accounts and information that did not belong to me which I consider it is inappropriate activity. I also sent them some documents to prove my request.I have attempted to contact EQUIFAX so many times via phone and mail so they can resolve this issue as soon as possible but 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: 11/30/2022

EQUIFAX

11/30/2022

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

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

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

Thank you for submitting ****** Lamichhanes complaint on 11/22/2022 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

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