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.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  PO Box 105167 Atlanta, GA 30348-5167

  
• 

  Equifax, Inc.

  PO Box 8982 Madison, WI 53708-8982

• 

  Equifax Canada Inc

  110 Sheppard Ave E North York, ON M2N 6Y8

• 

  Equifax, Inc.

  One E. 22nd St. #620 Lombard, IL 60148-4984

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:10/09/2022

  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.

  My credit report and score have not been updated by Equifax since February 2022. I have called them multiple times explaining that the website is asking me to call customer ********************** and they never address the issue. When I ask to speak to a manager they refuse to send me to one and fail to address the problem. The solution is always " Your account has been reset check again in half an hour" which now hasn't worked for over 6months. I am at my wit's end trying to get phone assistance which is why I am reaching out to BBB.

  

  Business Response

  Date: 10/12/2022

  
  EQUIFAX
  
  
  October 12, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: ***********************, Complaint #********
  Dear ****************, 
  Thank you for submitting ************************* complaint on 9/30/22 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: 10/17/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have attached the necessary documentation.  I never said that there was inaccurate information.  My complaint is that my Equifax file has not been updated since February and it is not showing correct information because my file has not been updated since February.  I have called over 20X and someone says they are going to fix it and no one does
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 10/17/2022

  
  EQUIFAX
  
  
  October 12, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: ***********************, Complaint #********
  Dear ****************, 
  Thank you for submitting ************************* complaint on 9/30/22 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:10/07/2022

  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.

  15 Sep: Asked Equifax for a new credit file to be mailed to me with changes made recently.21 Sep: New credit reports mailed out - received Oct 4th.Received 2 credit reports - but not mine - delivered to my mailbox in ***********. My Korean address inserted below the person's name. Both are many pages and complete. 5 Oct : Reported to Equifax, Ara (AXF208) told to mail them back. - no receiver, just a mailbox and no phone number provided. - Unacceptable to me and ***** postal for international mail - signature required. gave her confirmation numbers from the credit reports. but couldn't help further. passed to Oct 5: Supervisor ****** (SXC 619) - told me to destroy them. Told him this was unacceptable as there may be police reports out on ID thefts from the 2 reports. How can I confirm they were destroyed? No help on my mis-mailed report sent to whom?Oct 6: Called ***************** no help. Called ******* police - no help.Oct 7: called Equifax again: Carene (MXM1016) Told to mail them to a postal box - which doesn't accept signatures or international mail. Confirmed by her that this was so.passed to ***** (X5T) told to destroy them. Again - what about police reports from the 2 persons?passed on to ****** 9C9) Nothing he could do.Passed on to ***************** would ask his mgt. for an international mail pouch and delivery to my home to return the Credit Reports. Waiting for his answer. He couldn't trace MY report which was sent out on Sep. 21st. gave him the confirmation numbers of the 2 others and saw the mailing errors. ***** was involved in mailing MY report and was shocked at the screwups. ***** even identified one of the other persons credit report that he worked on.Total time calling Equifax - 5.5 hours. plus time with police depts. - Times are late night and after midnight (I'm in the ***** time zone).Desired outcome: Better training, receiving accurate information, QA on mailing out with traceability.

  

  Business Response

  Date: 10/07/2022

  EQUIFAX
  
  
  10/7/2022
  
  *************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear ****************:
  
  Thank you for submitting *************************** complaint on 10/7/2022  through the BBB Complaint Portal. In their complaint, they indicated concerns with the service and two credit reports that didnt belong to him. The concerns are furthered reviewed for quality purposes. Please provide *************************** our mailing address: *************************************************************** so he may return the credit reports. 
  If he has any additional questions, he may call ************** or visit www.myequifax.com.  With myEquifax, consumers 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:10/07/2022

  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 fought for the last several years to have this removed from my account. I even went to court and won against the company. Even when they keep calling I even try to dispute again on phone and provide court documents that can be LOOKED UP. The company refused to remove it, this has counted again my insurance payments which have gone up by 500 bucks on my home and 200 ish on my car. When there is something negative on your credit it is used against you. Now, I'm not giving the care company 30 days to remove I want it off as of the day they get this letter which everyone is ignoring. which after this I will be seeking damages from someone. I don't understand and feel these companies are getting paid to provide false information to the credit company, and this has been the proof. Each time I have disputed they come right back and keep it on there. I just am tired of it, and it has caused a problem. They knew their attorney went to court and HE LOST. I have dealt with id theft, and this company which I welcome in any court to defend myself puts you through a lot. here's the proof they keep ignoring, the case number, etc is here and I will not be providing or defending anymore. I have enough proof of damages. I'm emotionally drained, by Portfolio Recovery providing false information to the Credit company, knowing they went to the court how long, and still calling and reporting as of today. I will do each complaint by themselves.

  

  Business Response

  Date: 10/07/2022

  EQUIFAX
  
  
  October 7, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: *******************************, Complaint #********
  
  Dear ****************:
  
  Thank you for submitting ************************* complaint on 10-6-22 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. 

  PORTFOLIO RECOVERY A SYNCH-************** - PENDING INVESTIGATION WITH CREDITOR - REF EQUIFAX DISPUTE CASE ********** - RESULTS WILL BE MAILED TO CONSUMER AT ADDRESS PROVIDED

  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:10/06/2022

  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.

  Hello this is simply regarding my personal Information reflecting on my credit report. I have two addresses I have no affiliation with reporting I mailed equifax in the pass and never received a response Im simply asking for them To remove the addresses listed below.140 ************************************************ *************************************************

  

  Business Response

  Date: 10/07/2022

  
  EQUIFAX
  
  
  October 7, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: ***********************, Complaint #********
  
  Dear ****************, 
  Thank you for submitting ****************** complaint on 10-6-22 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:10/06/2022

  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.

  My spouse and I both had our personal data (SS#, birthdate, legal name, etc.) compromised with a computer hack. I was advised this should be reported to the credit bureaus. Equifax is the first one I called. They then offered to sell me personal protection for our accounts with all this sensitive data. They charged my credit card 3 times within minutes for the monthly fee for this protection. Two charges of ***** and 1 charge *****. Then they told me it did not go thru on their end having technical problems. I told them it looked like it did as the charges were showing pending. They then convinced me to try a different credit card because of this problem. I gave them another card with the $***** showing pending as well. They said it did not work on their end either. Also there are multiple phone numbers to call them about issues. It is mind boggling to keep it straight. They were supposed to call me back which they did not. This company is terrible and should not be handling credit information services. I will cancel my service with them if I can figure out how. I froze my credit card accounts and called services to dispute these charges. They advised they have my complaint but will have to wait until they post so the charges can be disputed.

  

  Business Response

  Date: 10/07/2022

  EQUIFAX
  
  
  October 7, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: ****************************************, Complaint #********
  
  Dear ****************:
  
  Thank you for submitting ***************************** Thompsons complaint on 10-6-22 through the BBB Complaint Portal. In their complaint, they indicated issues with the Equifax Complete Family Plan service/billing.  Please see resolution response below:

  
  Based on the results of our investigation, the consumer does not have any active paid products and no payment/billing history.  If the consumer is being charged for a paid product from Equifax, advise the consumer if she can send in bank statements and/or credit card statements for proof of charges.

  
  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:10/06/2022

  Type:Order 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 haven't been able to login to Equifax for months. It tell me to contact number and they send me reset links and the same process repeats. Please unlock my account immediately.

  

  Business Response

  Date: 10/07/2022

  EQUIFAX
  
  
  October 7, 2022
  *************************
  Better Business Bureau
  
  
  RE: ************************, Complaint #********
  Dear ****************:
  
  Thank you for submitting ************************* complaint on 10-5-22through the BBB Complaint Portal. In their complaint, they indicated issues with MyEqufax.com.  Please see below resolution response:  

  
  Dear ************************,
  
  We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved.
  
  Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the "Need Help Signing In" link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please feel free to contact our consumer care department at ************ between 8:00am 12 am, 7 days per week.
  
  We sincerely apologize for any inconvenience this issue may have caused.
  
  Thank you for contacting Equifax,
  
  Equifax Consumer Care Team
  

  
  

• Initial Complaint

  Date:10/06/2022

  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.

  Equifax you are hearby reporting inaccurate and unverifiable information on my credit report . *************** account is reporting a collection that has not been verified. I request for a full disclosure of this alleged debt. I have never received my original contract , my signed signature, or documents of this alleged debt. After 30 days by law this account must be deleted. ***** and desist all reporting of this alleged debt

  

  Business Response

  Date: 10/07/2022

  EQUIFAX
  
  
  October 7, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: *********************, Complaint #********
  
  Dear ****************:
  
  Thank you for submitting *****************  complaint on 10/5/22 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. 

  
  ******************* ********* - DISPUTED THROUGH CFPB PROCESS 10/06 - REF CASE ********** - PENDING INVESTIGATION AND RESULTS WILL BE SENT TO 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:10/05/2022

  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 just checked my credit score and Equifax has unfairly dropped my score 89 points since Oct 9th, not due to late payments but because I used my credit cards. I feel this is excessive and not realistic to drop my credit card score 89 points!!! I need this to be looked into and adjusted. There is no missed payments!

  

  Business Response

  Date: 10/06/2022

  October 5, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: **********************, Complaint #******** 
  Dear ****************:

  
  Thank you for submitting ****************** complaint on 10/5/22  through the BBB Complaint Portal:

  
  Thank you for submitting your complaint through the BBB Portal. Please be advised that there are hundreds of 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. 

  If you have any additional questions, you *** call ************** or you *** visit www.myequifax.com.  With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts and initiate credit file disputes.  Additionally you can access free Equifax credit reports and other products.
  
  Sincerely, 
  
  Sr. Consumer Relations Specialist

  
  

• Initial Complaint

  Date:10/05/2022

  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 am in the process of buying a home and I had to call Equifax several times for the same request and they seem to not understand what I am asking but it is very exhausting. First of all they do not have my correct address in their automated system, second - when they ask me to use an app to verify my identity it does not work right it is a complete waste of time. Lastly is my biggest concern, I have called many times to remove two accounts from being disputed and also have dispute verbiage removed as well for both of my accounts for I.Q data international, one for ***** and the other for *****, please remove disputes and dispute verbiage ORIG CREDITOR: ********** APARTMENT Reviewed Last Pmt ************ ** ORIG CREDITOR: ************ ** ACCOUNT IN DISPUTE

  

  Business Response

  Date: 10/06/2022

  EQUIFAX
  
  
  October 5, 2022
  
  *************************
  Better Business Bureau
  
  
  RE: *********************************, Complaint #******** 
  Dear ****************:
  
  Thank you for submitting ************************ complaint on 10-5-22 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. 

  
  I.Q. DATA ***************** IQD0ALI7248590654 EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: ADDITIONAL INFORMATION THE EXPLANATION PREVIOUSLY ATTACHED TO THIS ACCOUNT HAS BEEN DELETED. 

  
  SURE DEPOSIT FL ORIG CREDITOR: SURE DEPOSIT FL ACCOUNT DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE 

  
   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:10/05/2022

  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 credit reporting company has purpose kept my credit score down with out proof or reason. I have no outstanding debut or claims against me with expectation to one item over the past 12 years and I work like a formal investigation into their practice. They are using 1 small $200.00 bill with a gas company to keep my credit score at or around 700 which is basically the same as discriminations. I have outstanding payment history and have settle all my debuts and paid all money I have own on any major loan. I also have an impressive on time payment history in which I had to force them to investigate for item they had posted due to a disgruntled employee from a loan company for my first home purchase in the state of Kentucky. This consistent incorrect and unfair bias credit report on my person is effecting my ability to obtain good rates for items I should not be denied access to. I even attempted to resolve this small bill amount but the gas company who stated it was an issue would not allow me to. Recently this has effect my rates for obtain fair payment structure on rental homes which is crazy. How can you have a Transunion credit score of 828 and a FICO of 710? Even my main banker ********** has my credit score about 740. This is unfair and inaccurate credit reporting on someone who is financially strong and had a very good payment history over the past 15 years I want a full investigation and will provide whatever is need to get this resolved. If the result of this investigation prove they have incorrectly been reporting my credit I will be pursing full legal action against Equifax unless they remedy the issue with 30 business days after the investigation is concluded. Example document of this issue has been provided.

  

  Business Response

  Date: 10/07/2022

  
  EQUIFAX
  October 7, 2022
  
  *************************
  Better Business Bureau
  
  
  Dear ****************:
  
  Thank you for submitting ******************************* complaint on 10-4-22  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. 
  
  Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by your creditors. Please be advised that there are hundreds of 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.We hope this resolves your concerns. 
  
  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.
  
  Sincerely,
  
  Sr. Consumer Relations Specialist