Complaints

This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Equifax, Inc. has 46 locations, listed below.

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• 

  Equifax, Inc.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  PO Box 740241 Atlanta, GA 30374-0241

  
• 

  Equifax Risk Management Services

  11601 Roosevelt BLVD N Saint Petersburg, FL 33716-2202

• 

  Equifax, Inc.

  PO Box 8982 Madison, WI 53708-8982

• 

  Equifax, Inc.

  PO Box 1167 Omaha, NE 68101

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:07/15/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a credit card account through SYNCB/HOME DESIGN NAHFA that was closed in November of 2016. It was reported on my credit report that I was over ********************* 2016 but my ********** Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. In July 2022, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to SYNCB/HOME DESIGN NAHFA. Equifax apparently did an "investigation" and deemed that I was ****** Days Past Due in May 2021, ***** Days Past Due in April 2021, and ***** Days Past Due in March of 2021. This is not possible as I did not have the account in 2021 and it was paid in full when it was closed in 2016. This incorrect information has dinged my credit score by 12 points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. I called SYNCB/HOME DESIGN NAHFA and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in June 2022. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records. Equifax needs to resolve this complete by taking immediate action steps:1. Removing the late payment history with SYNCB/HOME DESIGN NAHFA 2. Removing the late payment remarks/history from ****** Days Past Due in May 2021, ***** Days Past Due in April 2021, and ***** Days Past Due in March of 2021 as I did not have the account and this payment history is not possible nor accurate.3. Returning my credit score back to what it was (666) before Equifax erroneously provided incorrect information on my Credit Report.

  

  Business Response

  Date: 07/18/2022

  EQUIFAX
  
  
  7/18/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***********************, Case #********
  
  Dear **************:
  Thank you for submitting ************************* complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 07/19/2022

   
  Complaint: 17572073
  
  I am rejecting this response because:

  I have spoken with the furnisher of this information: ************************** and they have told me via an Account Manager that they did not provide Equifax with the information Equifax is currently showing on my credit report. 

  The account was closed in November 2016 per the furnisher. It is NOT POSSIBLE for me to have made late payments in 2021 as the account was closed and paid in full in 2016. Equifax made a mistake in processing and as a result tarnished my excellent credit score. 

  The boilerplate response is not helpful and this situation needs to be resolved immediately as it is no fault of my own but rather Equifax's mistake. 

  Very truly yours,
  
  ***********************

  

  Business Response

  Date: 07/19/2022

  EQUIFAX
  
  
  7/19/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***********************, Case #********
  
  Dear **************:
  Thank you for submitting ************************* complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been battling Equifax for the past 5 to 6 months maybe more over a credit account they have listed as valid on my credit report. Each time I ask for an investigation they give me the same generic answer. This account is reporting accurately. Each time I have ask for proof of who validate these account each time they never gave me an answer. The only half way answer I got is they verfity through the OSCAR ******* an automed system. You would think after me asking for proof constantly they will verfity on there on own. They never did. I am tell you I have no knowledge of this account and to delete FIRST PREMIER off my credit report. Delete it. I have file a complaint with CFPB and now I'm filing a report with the BBB to make sure my concerns are addressed otherwise I will have to formally file a lawsuit seeking damage from Equifax for disregarding my rights as consumer when I ask for proof of documents from such account. Equifax send me the proof you are saying belong to me otherwise DELETE this account. Or I will have no other choice but to file a lawsuit seeking damages

  Customer Answer

  Date: 07/15/2022

  Attached is a email from the customer care team.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *******************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ********************************* complaint on 7/14/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/14/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Equifax is reporting erroneous information via ******* Collection.

  Customer Answer

  Date: 07/14/2022

  Continuously reporting account as accurate instead of validating the debt. I am not liable for this debt.

  

  Business Response

  Date: 07/15/2022

  EQUIFAX
  
  
  7/15/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Case #********
  
  Dear **************:
  Thank you for submitting ***** Javiss complaint on 7/13/2022 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: 07/18/2022

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

• Initial Complaint

  Date:07/13/2022

  Type:Product 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.

  When applying for a mortgage, the company told me that Equifax had a freeze or a block. I logged into Equifax online and saw they had my old name. I placed an online dispute to update the first and last name. It told me it would take a month to process. This is an urgent request so I called in. The agent said they saw my documentation but just repeated that it would be processed in 30 days I told them that time frame is unacceptable because I am applying for a mortgage which needs to happen quickly. I asked what else I can do and they said they could not help me. Eventually they stop talking to me and ended the call.

  Customer Answer

  Date: 07/13/2022

  I got a confirmation email after I submitted the dispute online. I then called them twice to try to resolve this.

  

  Business Response

  Date: 07/15/2022

  EQUIFAX
  
  
  7/15/22
  
  ***********************
  Better Business Bureau
  
  
  RE: ***********************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ************************* complaint on 7/13/2022 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

  Customer Answer

  Date: 07/15/2022

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

• Initial Complaint

  Date:07/13/2022

  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 received a credit rating update showing a **************** my credit score and an inquiry on my account when I have not applied for any type of credit. I have tried to contact Equifax numerous times and have been unsuccessful in trying to reach them. I would appreciate any help you can give me.

  

  Business Response

  Date: 07/21/2022

  CONSUMER INFORMATION SOLUTIONS
  Equifax ******
  PO *********************************************************************************************** 2Z2
  TEL: **************
  FAX: **************
  
  July 21, 2022
  
  Via email: *************************************
  
  *******************************
  6526 ***************
  *******, **
  B3L 2M9
  Dear ********************,
  We acknowledge your complaint to the Better Business Bureau.
  After review of your complaint and your credit report I can advise that the reason for
  your score drop would be related to the utilization of your account which has reach a 99%
  utilization of the credit limit.
  I also review the inquiries on your credit report and the most recent hard inquiry was in
  March 16, 2022 by Credit Union Atlantic, which you acknowledge dealing with. Prior to
  this would be an inquiry back in September 2021 by ******** Capital Inc.
  In order to address this question, it is necessary to convey some facts about credit scores
  in the ******** market today.
  (a) Scores are Dynamic: Scores are calculated on demand, based on the data available
  in a consumers credit history at the time the score is calculated. An individuals credit
  score may vary from one day to the next as the information changes in a consumers
  credit file. Some examples of the information changing in a credit file are new
  information coming in from a lender (such as the latest payment details on a credit card)
  or simply time passing as the age of certain items on a credit file can affect a score (for
  example, an older bankruptcy has a less negative impact on a credit score than a more
  recent bankruptcy).
  (b) Multiple Score Versions: There are multiple score versions in use today by
  lenders. These scores all have the same goal: to predict a consumers likelihood to repay
  financial obligations, however they use slightly different algorithms to calculate the
  score. At any given time, two different lenders using different score versions could see
  different score values for the same individual, even though they were calculated on
  identical data in the consumers credit history. There is not one score value for each
  consumer. Since the scores generally take into account the same data elements in credit history files, there would typically not be a sizeable difference in score values calculated

  by different versions. However, some score versions take into account data elements
  which are ignored by other score versions so two lenders using different score versions to
  evaluate a consumer may see substantially different scores for the same person, despite
  the fact that both scores were calculated on the same credit history. One example is that
  mortgage data is taken into account by some score versions and not by others.
  There is additional information about credit scores available
  here: https://www.consumer.equifax.ca/personal/education/credit-score/
  Yours truly,
  
  ******************
  Supervisor, Consumer Relations and Legal Affairs
  Cc BBB, ******* **

• Initial Complaint

  Date:07/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Equifax refuses to remove closed accounts :Equifax is reporting that there is only one closed account on my credit profile which is inaccurate. I download all the accounts closed .Iam requesting All closed accounts paid with a zero balance be removed permanently. All closed accounts were closed by my request. Iam requesting that Equifax Remove all closed accounts from my Equifax credit profile with a zero zero balance .Equifax has been notified but refuse to correct and or remove accounts with zero balance paid and closed by my request I have downloaded the accounts ************ is paid with zero balance and **************** and Lowes but not updated by Equifax . These accounts are paid Equifax is reporting that only one account is closed and reporting as 1 account . As submitted there are many accounts. Equifax is reporting inaccurately and it must be corrected on my Equifax credit report.

  

  Business Response

  Date: 07/13/2022

  
  EQUIFAX
  
  
  7/13/22
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ******* Givenss complaint on 7/12/2022  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