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 Risk Management Services

  11601 Roosevelt BLVD N Saint Petersburg, FL 33716-2202

• 

  Equifax, Inc.

  7171 Mercy Rd #330 Omaha, NE 68106

• 

  C S C Credit Services, Inc.

  1330 Broadway Ste 310 Oakland, CA 94612-2504

• 

  Equifax

  PO Box 1286 Pittsburgh, PA 15230

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:08/22/2022

  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.

  I received an email from Equifax stating that five vehicles were added to my account, and it was not for marketing, and I needed to go onto my Equifax account to verify. Even though I hit the button to say they weren't mine, it kept popping up. I had to call 3 times and when I was finally connected to a real person, she said there were no vehicles showing on my account, even though They sent me the email. Besides the fact that its **** near impossible to get to a real live human, if they send an email about something as important as my ssn, they should be able to help. Insane!!!

  

  Business Response

  Date: 08/23/2022

  
  EQUIFAX
  
  
  August 23, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ********************* complaint on 8/22/2022 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

• Initial Complaint

  Date:08/22/2022

  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 two invalidated accounts reporting on my Equifax consumer credit reports. I've sent correspondences to Equifax, putting them on notice of these facts, that they are reporting false, misleading and invalidated information. Their agency is failing to assure maximum possible accuracy. I have two invalidated accounts reporting on my Equifax consumer credit reports. I've sent correspondences to Equifax, putting them on notice of these facts, that they are reporting false, misleading and invalidated information. Their agency is failing to assure maximum possible accuracy. If Equifax disagrees please provide validation and supporting documents.

  

  Business Response

  Date: 08/23/2022

  EQUIFAX
  
  
  August 22, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear **************:
  
  Thank you for submitting *********************** complaint on 8/22/2022 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. 
  ***************** UN 39E49FDFCD07PER24A4Q EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: BALANCE,PAST DUE,ACTUAL PAYMENT,TERM DURATION,PORTFOLIO INDICATOR,PORTFOLIO STATUS,CREDITOR CLASSIFICATION,ADDITIONAL INFORMATION,ACCOUNT HISTORY
  ***** FARGO CARD SER **************** EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: BALANCE,PAST DUE,ACTUAL PAYMENT,TERM DURATION,PORTFOLIO INDICATOR,PORTFOLIO STATUS,CREDITOR CLASSIFICATION,ADDITIONAL INFORMATION,ACCOUNT HISTORY
  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: 08/23/2022

   
  Complaint: 17749389
  
  I am rejecting this response because:

  When I contacted the furnisher of this incorrect information, *****************, they failed to validate that this account belongs to me. When submitting my complaint about Equifax furnishing invalidated and incorrect information to my consumer report I asked them, if they disagree, please provide supporting documents. No supporting documents have been provided. Equifax has not provided their method of how they verified this information nor have they provided information validating that this debt belongs to me. Please stop violating my rights as a consumer and delete this erroneous information from my consumer reports.

  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 08/23/2022

  EQUIFAX
  
  
  August 22, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear **************:
  
  Thank you for submitting *********************** complaint on 8/22/2022 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. 

  
  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. 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:08/22/2022

  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.

  Data breach Remove US DEPARTMENT OF ** off my credit report. Reinvestigate unverified account.

  

  Business Response

  Date: 08/23/2022

  EQUIFAX
  
  
  August 22, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Case #********
  
  Dear **************:
  
  Thank you for submitting *********************** complaint on 8/22/2022  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 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:08/22/2022

  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.

  We were affected by the Equifax coding error when we applied for a mortgage in April. My credit score was not correct therefor our interest rate is higher than what it should be. Our **************** needs something in writing from Equifax about the coding error but they will not provide that. I have filed a complaint with Equifax but unfortunately they will not respond.

  

  Business Response

  Date: 08/23/2022

  
  EQUIFAX
  
  
  August 23, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************, #********
  
  Dear **************:
  
  Thank you for submitting ***************************** complaint on 8/22/2022  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. 
  
  Equifax found and fixed a coding issue that was inadvertently introduced to one of our systems and may have impacted a small number of credit scores calculated by lenders or service providers. All technology runs on code, and we found a coding error that was in place for a few weeks. We have fixed this coding error and have put additional controls and monitoring in place that will help to detect and prevent similar issues in the future. Lenders and service providers are being informed by Equifax about this issue - which has been fixed. Data quality and accuracy are at the heart of everything Equifax does. We take this technology issue very seriously. Your credit report was not changed and there is no issue with the data on your credit report.  If you attempted to obtain credit between March 17 and April 6, 2022, we advise that you reach out to the lender for more information. Attributes and scores are only one component of lending decisions. Again, our analysis indicates that the majority of consumers who may have been scored while this coding error was in place experienced no change to their scores.
  
  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:08/22/2022

  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.

  Equifax is reporting on my credit profile that my equifax has Two Hundred and Two derogatory events on the Equifax report. Equifax has not provided any substantial proof of such events. This is dramatically affecting my financial future. Equifax refuses to profile documentation to show such negatively of my account .

  

  Business Response

  Date: 08/23/2022

  
  EQUIFAX
  
  
  August 23,2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear **************:
  
  Thank you for submittingJeanine Givenss complaint on 8/22/2022  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. 
  
  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. 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 response 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.
  
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:08/19/2022

  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.

  My information has been breached, please have your company correct this . You are reporting random debts , that are not mine to my credit report . This is literally ruining my financial life . please see my attachments .

  

  Business Response

  Date: 08/22/2022

  EQUIFAX
  
  
  8/22/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *************************, Case #********
  
  Dear ****************:
  Thank you for submitting ******* Blairs complaint on 8/18/2022 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: 08/22/2022

   
  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
  if EQUIFAX handles this matter in a timely matter .
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/18/2022

  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.

  Please be advised that this is my last attempt to resolve this matter as my next step is to pursue LEGAL ACTION as Ive notified you several times. I have also spoken with several agents who have admitted to identifying various issues on my report, but I was told that they will not delete the items. The following 22 Accounts consist of an original 11 unverified accounts that are currently double reporting unverifiable, inaccurate and inconsistent information on my credit report. ONLY PROVIDE COMPLAINT RESULTS BY WRITTEN CORRESPONDENTS THROUGH MAIL, not email or phone. I am and have requested that Equifax remove TWENTY TWO (22) accounts from my credit report as they display unverifiable information & numerous inaccuracies/inconsistencies and multiple violations of my rights. Also, I am requesting that Equifax REMOVE LATE PAYMENTS.from ONE (1) account and REMOVE all inaccurate personal information that is currently displayed on my credit report. Equifax has violated my rights and the law by refusing to remove these unverified & inaccurate account Information and inaccurate personal information along with furnishing such information without my written consent. I also have a legal right to privacy and demand that all of these issues be addressed immediately ONLY PROVIDE COMPLAINT RESULTS BY WRITTEN CORRESPONDENTS THROUGH MAIL.

  

  Business Response

  Date: 08/19/2022

  EQUIFAX
  
  8/19/2022
  
  ***********************;
  Better Business Bureau
  
  
  RE: *******************************, Case #********
  
  Dear ***********************:
  Thank you for submitting Precious Fraziers complaint on 8/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  
  
  In order to properly assist them, 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 your 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: Current 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 submit documents in pdf format.
  
  
  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

  Customer Answer

  Date: 08/19/2022

  Hello,

  I received a message from Equifax stating that they need a drivers license and social security card in order to verify my identity   I have already provided this information  in my original complaint, however, I am sending this again which are attached to  to this message.  My complaint number is #********.  
  

  Thank you!

  
  

  

  Business Response

  Date: 08/23/2022

  EQUIFAX
  
  
  August 23, 2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *******************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting Precious Fraziers complaint on 8/22/2022  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 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:08/18/2022

  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 have been monitoring my credit online and have paid a bunch of items off. I have also had things removed from my credit. It has not updated online since 5/29/22 it was still showing my account and credit age etc. about a month ago everything disappeared but my score. I e contacted Equifax by phone several times. The regular agents dont seem to understand my issue due to the language barrier. I spoke with manager 05/16/22 that checked on the ticket I submitted the prev week and updated with what I explained. He told me to call back and check on ticket today. The representative today is like the several people I have spoken to over the past few weeks. They think I am having password issues. There is a message that pops up that say to call and give them a code. None of the 5-7 reps I have spoken to including the manager have a clue what I am speaking of. I am on hold again waiting for a manager Im sure will take an hr to come to phone if they come at all. Also every single employee has tried to sell me the premium package while Im trying to get this issue fixed. I would really just ask that someone help me get this resolved so I can begin my home buying process. My lease is ** in November and rent is going up $400 I do not have time for credit hold ***

  

  Business Response

  Date: 08/19/2022

  EQUIFAX
  
  
  8/19/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ********************* Complaint ID: ********
  Dear **************:
  Thank you for submitting *********************** complaint on 8/17/2022 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. 
  
  The consumers complaint regarding their MyEquifax account is currently being reviewed by our technology team and they will reach out to the consumer once they resolve the issue.
  
  
  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: 08/19/2022

   
  Complaint: 17731769
  
  I am rejecting this response because:
  The main concern I am having is that my online account is not updating or allowing me to see anything. All of my accounts are missing from there. I cant risk running my credit if I dont know whats showing on the report. The image I have attached shows what is happening. I just need the issue resolved. This is not in reference to any specific accounts. 
  Sincerely,
  
  *********************

  

  Business Response

  Date: 08/22/2022

  Dear *********************,
  
  
  This issue has been escalated to our technical support department. Your ticket number is GCSITO-***** and at this time, we are not able to service your requests through myEquifax. We understand that you may have been inconvenienced by this situation, but we are available to service your requests by phone or mail. We appreciate your patience while we continue to work to resolve this issue. Should you have any additional concerns or questions, please contact customer care. Again, we apologize for the inconvenience.
  
  Thank you for contacting Equifax,
  
  Equifax Consumer Care Team  

  Customer Answer

  Date: 08/22/2022

   
  Complaint: 17731769
  
  I am rejecting this response because:
  They have done this already and the issue has not been corrected. 
  

  ticket 220812-10770536
  Sincerely,
  
  *********************

• Initial Complaint

  Date:08/18/2022

  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 launched a dispute with Equifax because I was being reported late on serval accounts when I was approved for a forbearance under the ******19 Cares Act. I disputed the accounts and they removed the 30 day lates for the month of March. Two months later Experian re-inserted the accounts to my credit and have now placed the late for the month of April. Again- I was in a forbearance was not late. They are making too many mistakes and it is costing my lively hood- they cleared up the lates for March and now put them for the month of April. The forbearance went through July. The accounts that need to be corrected are- Remove 30 days lates...... there's one late on each account. I was never later before the forbearance. I was told prior to signing up for the forbearance i would not be reported late. Planet Home Lending Carmax Penfed ************

  

  Business Response

  Date: 08/19/2022

  EQUIFAX
  
  
  8/19/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *******************************, Case #*********
  
  Dear **************:

  
  Thank you for submitting ********************************* complaint on 8/17/2022 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:08/18/2022

  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 reached out to this company several times regarding inaccurate information being reported on my credit profile and as this is inaccurate information. This company is violating consumer laws. I have sent letters in June, July and August pointing out late payments are being reported on my credit profile which I disagree with. I have requested proof of late payments/where/how this information was obtained. They have failed to validate this information. I further pointed out that although this late payments are inaccurate as I have not paid late, even if this were accuarate (which it is not). They dates reporting late fall under the covid protection period and BY LAW, late payments for that date range cannot report to a credit profile. I also submitted a copy of the law passed in reference to this. I received no response and this illegally reported information has not been removed as the dates are 5/2020-04/2021 and 06/2021

  

  Business Response

  Date: 08/19/2022

  EQUIFAX
  
  
  8/19/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *************************, Complaint ID: ********
  Dear **************:
  Thank you for submitting ********************* complaint on 8/17/2022 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