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.
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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:11/28/2022
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 *****************************. I called ********************** today, 11/22/2022, and I spoke to a representative and I was alarmed and disheartened to discover that 3 accounts that were previously deleted have ILLEGALLY reappeared! Under US Code ****(5)(B)(ii)(iii) any item that was previously deleted cannot be reinserted without notifying me within 5 days and the following accounts are in direct violation of the law and I want them removed IMMEDIATELY! WILBRFRCE UN * *************** DEPT OF ED/GSL/*** * ********** DEPT ED * 87163261PE****** ******************************************** I have asked them numerous times to provide me with ANY AND ALL proof they have of these alleged debts, specifically the original application bearing my signature, and they have not been able to provide such proof to me. Under the Fair Credit reporting Act, these disputed items may not appear on my credit report if they cannot be supported by the proper evidence, 15 USC ****. I am asking that you remove these illegal and falsely reporting accounts immediately as I am in the process of buying a house and my score has SIGNIFICANTLY dropped because ********************** chose to be criminal and cavalier with my life and livelihood. My next email will be to the ****** Attorney General, then to the ************ Judicial system to sue ********************** for its unlawful and irresponsible behavior!!! I have attached a copy of my most recent credit report showing these items do not appear and I have no correspondence from ********************** giving me my 5 days notice. If they have proof of it, GREAT! I would like to see the postal evidence showing that it was delivered to my place of residence within the 5*day grace ******* If not, I want these illegal accounts removed.
Business Response
Date: 11/30/2022
EQUIFAX
11/30/2022
*****************************
Better Business Bureau
RE: *****************************, Complaint 18453305
Dear *****************************,
Thank you for submitting ******************************* 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.
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 SpecialistInitial Complaint
Date:11/22/2022
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 filed two disputes with Equifax dated 8/31/2022 and 10/19/2022 with tracking numbers ********************** and **********************, respectively. I have disputed a medical collection on my Equifax credit report by ARC Management. I have also sent a debt validation letter to ARC dated 8/31/2022 and 10/19/2022 with tracking numbers ********************** and **********************, respectively. Neither ARC nor Equifax has responded to either dispute. Equifax needs to delete this record from my credit file immediately. Attached to this complaint are copies of the debt validation letter to ARC along with disputes to Equifax.Business Response
Date: 11/30/2022
EQUIFAX
11/30/2022
*****************************
Better Business Bureau
RE: *************************, Case # ********
Dear *****************************:
Thank you for submitting ***************************** complaint on 11/22/2022through 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 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 SpecialistCustomer Answer
Date: 11/30/2022
Complaint: 18452050
I am rejecting this response because: Equifax obviously hasn't investigated nor talked to the collection agent. I also filed a complaint with CPFB the Company's Response
This account is no longer with ********************, we have requested the deletion of the record with Equifax.
Sincerely,
*************************Business Response
Date: 11/30/2022
EQUIFAX
11/30/2022
*****************************
Better Business Bureau
RE: *************************, Case # ********
Dear *****************************:
Thank you for submitting ***************************** rebuttal 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 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:11/22/2022
Type: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 is the only credit bureau reporting 2 fraudulent accounts from the exact same bank! Not only are the accounts duplicate of one another and the exact same account, they won't remove this Fraud after already being provided with the *** Identity ********************** Report, AND a fraud letter from the issuing bank. Equifax is required by LAW to remove these accounts since they are in fact fraud. Equifax is in direct violation of the **** and will face legal penalties if these accounts are not removed. The fraudulent account is with ********** Account Number ****************, the bank changed the account number to **************** when they were notified of the fraud, so Equifax decided to report BOTH account numbers SEPARATELY causing me to have TWICE the fraudulent balance and missed payments! They are the SAME account, a fraudulently opened account as a result of identity theft, it was opened by someone located in ****.Business Response
Date: 11/30/2022
EQUIFAX
11/30/2022
*****************************
Better Business Bureau
RE: *********************************, Case # ********
Dear *****************************:
Thank you for submitting *************************** 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. 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 SpecialistCustomer Answer
Date: 11/30/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is partially satisfactory to me. They resolved 50% of the issue.
Sincerely,
*********************************Initial Complaint
Date:11/22/2022
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.
Date: (((11-22-2022)))EQUIFAX **************************************** To whom it may concern,1 am writing to update/correct my personal information on file with your company.Please update my address ((((502 ********************************************************** )))Please update my name (((**************************))My only social security number is ((((********* #))))My only correct date of birth is (((((12/19/1989)))My only employer is ((((remedy )))I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the ***** since they are inaccurate.Sincerely,Business Response
Date: 11/30/2022
EQUIFAX
11/30/2022
*****************************
Better Business Bureau
RE: ***************************, Complaint 18450146
Dear *****************************,
Thank you for submitting *************************** 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.
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 SpecialistInitial Complaint
Date:11/22/2022
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.
On September 11, 2022, I wrote to Equifax requesting an investigation into items on my credit file that were being reported illegally and inaccurate. To date, I have not received a reply from them or any acknowledgement that an investigation has begun. In my previous request, I listed my reason for disputing the information. I have enclosed it again and request that Equifax reply within a reasonable amount of time. Please remove these incorrect items with the reason attached to each account below: Financial Accts Serv ---- 15 USC **** (a) you are in violation of my rights to privacy and information you want to be private that is posted on your consumer report is a violation. Infringed upon my right to privacy. Portfolio Recovery A --- 15 USC **** in violation of my rights to privacy and information you want to be private that is posted on your consumer report is a violation. Infringed upon my right to privacy. *************** --- This account is report information that they know to be inaccurate or failing to reporting information correctly violates the **** ****s-2 and 15 USC ****.Ascend Federal Credit Un - This account is report information that they know to be inaccurate or failing to reporting information correctly violates the **** ****s-2 and 15 USC ****.They also did not provide me with all of the information they used for their investigation, as required by **** 611 (a) (7).Customer Answer
Date: 11/22/2022
I did submit two others separate claims with Experian and TransUnion since the files had different names for each companyBusiness Response
Date: 11/29/2022
EQUIFAX
11/29/2022
*****************************
Better Business Bureau
RE: *******************************, Case 18449341
Dear *****************************:
Thank you for submitting ********************************* complaint on 11/21/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation 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:11/22/2022
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 was the victim of identity theft in 2021. Someone filed a fraudulent tax return in my name, and also opened multiple fraudulent accounts. I was going through my credit reports and saw a collection account for a credit card account I did not recognize. The account in question is now listed on my credit report as: ************ 517805XXXXXXXXX. It says the original creditor was **************** and opened in December 2021. This is NOT mine. I have NO KNOWLEDGE of this account whatsoever. It was OBVIOUSLY opened fraudulently. It says the account was open for one month and they maxed out the card and never made a payment? This fraudulent account is destroying my credit and this company refuses to acknowledge the identity theft or error in reporting on their part. Per 15 USC ****, they must remove inaccurate or fraudulent information. This is a violation of my rights. I demand this fraudulent account be removed from my credit report ASAP.Business Response
Date: 11/29/2022
EQUIFAX
11/29/2022
*****************************
Better Business Bureau
RE: *********************, Case 18448302
Dear *****************************:
Thank you for submitting ***************** complaint on 11/21/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation 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:11/22/2022
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.
CRA REPORTING ID FRAUD ********************** OF ACCOUNTS NOT MINES ************* CBNA, ************ FORVERE21, OPPORTUNITY PROGRESS FINANCIAL, CREDIT ONE BANK, VERZIOIN WIRELESS", REMOVE/ CLOSE FRAUD ACCOUNTS, UNDERAGE DURING TIME ACCOUNT OPENING, FTC CASE# *********, SSN# ****, DOB: 10/1/2004Customer Answer
Date: 11/22/2022
I was fully aware of the complaints being filed. I have given full consent to file them on my behalf. My representative is ************************* ************. I'm fully aware and involved of the complaints being filed. All complaints should be treated as if I, *************************** filed them.Business Response
Date: 11/29/2022
EQUIFAX
11/29/2022
*****************************
Better Business Bureau
RE: *************************** File #********
Dear *****************************:
Thank you for submitting the consumers complaint on 11/21/2022 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 SpecialistInitial Complaint
Date:11/21/2022
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 ***************************. I recently received a copy of my H3331313036****313434H report. I was upset to find there were numerous collections that do not belong to me. I have contacted the bureau numerous times and I have sent in letters with my drivers license, social security card and a current utility bill. All I have received back is a stall tactic letter requesting me to prove my identity. I have also asked them for a method of verification. I have not received any correspondence other than them stating that the company had verified it. By law, they are required to provide their method of how they verified these collections including any alleged evidence. I do not have a written contract with these collection agencies, nor have they provided me with the original contract with this alleged debt. Since it cannot be provided, I ask you to please delete these collections off my H3331313036****313434H report as they are impairing my ability to access H3331313036****313434H in order to improve the lives of myself and my family.These are the following erroneous collections:CAP ONE Account#- ******** CB INDIGO Account#- ************ ********************** Account#- **** WESTLAKEFI Account#- *****************************************************************Business Response
Date: 11/22/2022
EQUIFAX
11/22/20
*****************************
Better Business Bureau
RE: ***************************, Case 18447287
Dear *****************************:
Thank you for submitting *************************** complaint on 11/21/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation 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:11/21/2022
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.
A few months ago I was notified that Equifax took 62 points from my credit report stating that I closed a finger hut account it reported right behind that I opened a new account the same day. THIS NEVER HAPPENED. So I contacted fingerhut and they told me that they changed lenders so the accounts are named different They informed all 3 credit bureaus that this has nothing to do with their clients.it was an internal lending situation. Furthermore I wake up this morning they have taken 43 more points!!!!! Stating corrections are being made from 2020!!!!!! Adding more negativity!!!At this point Im feeling as if this is something personal!!! I utilize less than 15 percent of my credit, I have a 98 percent payment history, and I owe 0 dollars to collections! Why is my credit score 543!???And why are they removing remarks that could possibly explain an account better..Business Response
Date: 11/29/2022
EQUIFAX
11/2/2022
*****************************
Better Business Bureau
RE: *********************, Case 18444257
Dear *****************************:
Thank you for submitting ***************** complaint on 11/21/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation 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 be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file *** change, which *** impact your credit score depending on the model. No score is part of the credit file and therefore cannot be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit.
If they have any additional questions, they *** call ************** or they *** 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:11/21/2022
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 liable for this debt with KIA ******* ******* and do not have a contract with convergent. They do not provide me with the orginial application like I asked.Business Response
Date: 11/29/2022
EQUIFAX
11/29/2022
*****************************
Better Business Bureau
RE: *************************, File 18444037
Dear *****************************:
Thank you for submitting the consumers complaint on 11/21/2022 regarding *************************. In the complaint, it is indicated there are inaccurate or incomplete items appearing on the Equifax credit report. In review, we were unable to locate a credit file with the personal identifying information provided. In order to properly assist the consumer and to initiate an investigation we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows their name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.
Please return this letter along with the requested information to Equifax Information Services LLC ************************************ 30374.
Sincerely,
Equifax
Sr. Consumer Relations Specialist
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