Business Profile

Credit Reporting Agencies

Equifax, Inc.

Complaints

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

Customer Complaints Summary

7,008 total complaints in the last 3 years.
3,344 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:08/18/2022
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.
Over a year ago, I created an account in order to get a better look at my finances. Due to several issues signing up and activating my account- my own fault, I did not have access to the required information- I gave up on it and wasn't able to successfully set it up to see my credit score. I kept seeing monthly charges recurring in my bank clearly stating that it was from Equifax. I called the company to once again try and set up my account, but I still was not able to provide enough information to verify my account. When I asked to stop receiving charges since I cannot even view or track my credit score, the entire purpose of the account, I was informed by not one, but two different telephone agents that my account isn't even accessible and there's "absolutely no way I could be receiving charges". Upon looking closer at my bank statements, I can clearly see at almost the exact same time every month, a charge from Equifax. Starting at $19.95 and then going up to $22.54 out of my bank account like clockwork every single month since February of 2021. I was given an email, ******************************************** spelled out for me on the phone to contact for rectification but, every email I send to that address gets bounced back as it doesn't exist. I've even attempted to contact the company on ******** but I still can't get any solution. I had to order a stop payment from my bank and change all my cards in an attempt to put an end to this but the stop payment is only good for 3 months and I can't get any confirmation from the company that I won't be charged again
Business Response
Date: 09/01/2022

EQUIFAX

9/1/2022
***********************
Better Business Bureau

RE: *****************************, Case ID: ********

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

Thank you for submitting **************** complaint, dated 8/17/2022.
Please advise the consumer that based on the results of our findings, the consumer does not have any active products and no payment/billing history. If the consumer is being charged for a product from Equifax, advise the consumer that they can send in bank statements 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
Customer Answer
Date: 09/01/2022

Complaint: 1773281
I am rejecting this response because quite frankly I found your response incredibly insulting and downright disrespectful. You did not have the ***** to properly review my complaint, address the issue that I had and did not even have the decency to offer me an apology for everything your company put me through. I am a low income contractor with 2 jobs, I have had to contact my bank, order stop payments and change all my cards in an attempt to correct what YOUR company has done.
Had you reviewed my complaint you would know I had already reached out to your company via telephone not once but twice. I already know that I have no active services with your company because I was told as much. I CANNOT make an account since I do not have access to the appropriate information that you need since I can't give exact numbers and names for previous loans.
I contacted your company TWICE and each time I was given an email that bounced back every single email due to the email address not existing. I have even tried to reach out via ******* to get this resolved with no response or resolution. You company has not ONCE acknowledged any wrong doing on your part. I do not accept this impersonal template response.
Just like with my first complaint, I have attached every bank statement that clearly shows how your company charged me more than a total of $200 dollars with no active services. I encourage you to take the time to actually peruse the documents where you will find all the information that you need.

Sincerely,

*****************************
Business Response
Date: 09/07/2022
EQUIFAX
September 7, 2020

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

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

Dear **************:
Thank you for submitting ***************************** complaint on 09/01/22 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: 09/13/2022

Complaint: 17732812

Ms. ***********************,
You seem incapable of reading past the first few sentences of my complaint so let me make this abundantly clear, I want my money back. With no active services I was charged for nearly a year and after speaking with your representatives on the phone not once, but TWICE, i will tell you for the third time I was given a false and non existent email address to rectify things. The hoops I've had to jump through to get this acknowledged is abhorrent.
Have the day you deserve,

*****************************
Initial Complaint
Date:08/16/2022
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 company opened a file on my credit report showing an amount of ******* owing. I check my credit acore regularly as well my accountant. I have never owed this debt nor have I ever dealt with either of these companies. I have a cellphone with ***** and home internet with ***** both paid in full as shown on my report. I would like these both removed from my report immediately
Business Response
Date: 06/29/2022
Dear ***************************,
Thank you for providing the detailed information. I regret to inform you that your information and your date of birth is identical to the past due account we have on hand ****** acct#********). This can be a case of stolen identity or fraud. I strongly recommend that we set up a phone appointment to review your identity details against those on record. This will help us determine if you have been victim of fraud or not. I have also ordered the ***** statements that contain all the phone numbers dialed and the numbers from inbound calls. That will help us determine if this account is valid or not.
Please advise when the best time is to call you. You can reach me by email at; ************************** or via this BBB portal.
Thank you,
*********************, CCO
Customer Answer
Date: 06/30/2022

Complaint: 17491122

I am rejecting this response because: once again I have never had a cell pjone account with ***** otherwise I would never have been able to set up internet and home security with them as well as koodo who essentially are ****** I also will not be giving my phone number out as this company aeems to have severlal fraudulent claims on here. Remove you statement from my credit report or have ***** contact me as I currently have an account with them and nothing I could have with them would amount to over 4000$. This needs to be removed immediately

Sincerely,

*************************
Business Response
Date: 07/12/2022
Dear ******************,
Our investigation with the creditor and Transunion leads us to believe you may have been victim of identity theft or fraud. For this reason we are closing this account and removing it from the credit reporting agencies. Processing time may take up to 10 business days. In addition, we strongly recommend that you verify your credit reports thoroughly. If you have been victim of identity theft, other accounts may appear on your credit report in the future. Thank you for escalating this to GCS Compliance.

Sincerely,
*********************, CCO
Customer Answer
Date: 07/14/2022
Thank you for resolving this matter. I will continue to monitor my credit report to ensure no more fraudulent items come up. Thank you
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,

*************************
Customer Answer
Date: 08/08/2022
This matter still hasnt been resolved since accepting that they would remove it from my credit report. It is still on there and effecting my credit score
Business Response
Date: 08/09/2022
Dear *************************,
We have evidence that we requested a suppression of this account on July 13th, 2022 to both Equifax and TransUnion. Can you please provide a Equifax or TransUnion credit report dated after July 18th that is still reporting this account? If you can provide this, we will gladly escalate to their attention. Please verify that the date of the credit report you are viewing is after july 18th.
Thank you,
*********************, CCO
Customer Answer
Date: 08/10/2022

Complaint: 17491122

I am rejecting this response because Here is a copy of my equafax report showing this "debt" still on my report as bad credit and has been for some time effecting my score. It has been close but needs to be removed from my report not showing that it is bad credit sent to collections as it never existed :

Sincerely,

*************************
Business Response
Date: 08/12/2022
Dear ******************,
The Equifax report you have provided is dated August 3rd, 2022. I went into the Equifax system this morning and it clearly states "record not found" meaning it's no longer on your record (see evidence attached). It also means that General Credit has no further authority with this matter. Any request from you, the consumer, must be sent to Equifax directly. We have been informed by Equifax that when situations like this arise, there may be other reasons why they want to speak with the consumer directly. We are simply following their guidelines.
Thank you,
*********************, CCO
Customer Answer
Date: 08/15/2022

Complaint: 17491122

I am rejecting this response because: It is clear still on there and the photo you showed does not show my credit report with this removed. Here are 2 attachement updated as of August 16th clearly still showing this as a bad debt write off on my report. Remove it immediately

Sincerely,

*************************
Business Response
Date: 08/22/2022
EQUIFAX

8/22/2022

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

RE: *************************, Complaint ID: ********
Dear **************:
Thank you for submitting ******************* complaint on 8/16/2022 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:08/15/2022
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 recently requested free credit reports from the three major credit bureaus. Equifax would not issue the report to me despite answering all security questions accurately. This is a violation of federal law.
Business Response
Date: 08/16/2022

EQUIFAX

8/16/2022
***********************
Better Business Bureau

RE: *******************, Case ID: ********

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

Thank you for submitting the complaint, dated 8/15/2022, regarding ********************
Per your request, a copy of the Equifax credit file has been sent directly to the consumer. Please allow 7 to 10 business days for delivery.
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:08/15/2022
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.
On August 13 my credit score went up 24 points due to collection being removed. Then oj August 15 you took the 24 points and listed no explanation as too why. Please fix my credit report.
Business Response
Date: 08/16/2022
EQUIFAX

8/16/2022

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

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

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

Thank you for submitting ******* McCrearys complaint through the BBB Complaint Portal. In their complaint, they indicated that their score has decreased.
Please advise the consumer 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 their credit file *** change, which *** impact their 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.
If they have any additional questions, they *** call ************** or visit www.myequifax.com. Here 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 myEquifax products.

Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 08/16/2022

Complaint: 17717965

I am rejecting this response because: Never explained why my score dropped 24 points just after gaining 24 points by having collection removed. Its seems like itd designed to keep your score down.

Sincerely,

*******************************
Business Response
Date: 08/17/2022
EQUIFAX

8/17/2022

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

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

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

Thank you for submitting ******* McCrearys complaint through the BBB Complaint Portal. In their complaint, they indicated that their score has decreased.
Please advise the consumer 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 their credit file *** change, which *** impact their 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 visit www.myfico.com for more information regarding the credit score.
If they have any additional questions, they *** call ************** or visit www.myequifax.com. Here 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 myEquifax products.

Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 08/17/2022

Complaint: 17717965

I am rejecting this response because:

Sincerely,

*******************************
Initial Complaint
Date:08/15/2022
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.
Equifax is determining peoples future. I purchased a car from VW. They have made my credit bad because of it making it more difficult to get a future car or apartment. Covid caused loss of my 2nd job. It was not my fault.
Business Response
Date: 08/16/2022
EQUIFAX

8/16/2022

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

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

Dear **************:
Thank you for submitting ********************* complaint on 8/13/2022 through the BBB Complaint Portal. In their complaint, they indicated that there is inaccurate information reporting on their file.

Please provide identification documents for the minor children. 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: Current U.S. social security number, valid social security card, State ID, birth certificate. Please submit documents in pdf format.
If the consumer would like to speak to a representative, they can contact our consumer care department at ************ between 8:00am 12 am, 7 days per week.

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
Initial Complaint
Date:08/15/2022
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 trying for four (4) months to report identity theft and have fraudulent hard inquiries on my Equifax credit report corrected. I have called Equifax 25 times and have written them 6 times to have the fraudulent information removed from my credit report. Equifax asked me to report the fraudulent activities to the *** and obtain a *** report to send to them to have the fraudulent information removed from my credit report. I followed their instructions and mailed the requested information twice to Equifax, but they keep giving me the run-a-round. Equifax recently sent my bank an inaccurate credit report with an incorrect credit score which caused my credit application to get disapproved.
Business Response
Date: 08/15/2022
EQUIFAX

8/15/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting ****** Mohameds complaint on 8/12/2022 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 a review of the information was completed. The results will be sent directly to the consumer. Please allow 7 to 10 business days for delivery.
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: 08/15/2022

Complaint: 17710857

I am rejecting this response because:
The review Equifax is referring to is the same system generated letter their system send to any consumer who files a complaint. I received the same system generated letter 6 times and some of my family members filed complaints with Equifax regarding similar problems with their Equifax credit report and received the same system generated letter that advise consumers that Equifax information is correct. I requested Equifax to perform a signature verification of the fraudulent hard inquiries on my report which they are required to perform by law within 11 days, they never performed a verification.

Sincerely,
***************************
Business Response
Date: 08/16/2022
EQUIFAX

8/16/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting ****** Mohameds rebuttal complaint on 8/15/2022 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 a review of the information was completed. The results will be 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.
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: 08/16/2022

Complaint: 17710857

I am rejecting this response because:
Equifax is repeating the same response I have been receiving for months. They are knowingly maintaining fraudulent information on my credit report and not taking any action to correct it. I have already received their result letter, its the same system generated response they send to everyone. Equifax has not taken any action to correct their errors.

Sincerely,

***************************
Initial Complaint
Date:08/15/2022
Type:Customer Service 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 was contacted in 2018 that an account was paid off and closed and it is August 12, 2022, and I have contacted them and the company has contacted them and they still have not updated my credit information. This is on my credit report and it is showing the account is NOT closed and STILL owing 9 dollars but was written off. This negatively impacts my credit score and this is unacceptible. I have reached out to the car dealership many times to get their help, but they sent the information off to equifax in 2018. I have reached out to equifax many times and have sent them the information required to close the account and was told via automatic email reply that it would take up to 20 days, and it has been OVER 20 days. Equifax can damage your credit score with not updating it and this is from 2018!! I do not know why they are allowed to do this.
Business Response
Date: 08/18/2022
CONSUMER INFORMATION SOLUTIONS
Equifax ******
PO *********************************************************************************************** 2Z2
TEL: **************
FAX: **************

August 17, 2022

Via email: ************************************

*************************************
6177 *****************
******, **
V3S 5M8
Dear ********************,
We acknowledge your complaint to the Better Business Bureau.
After review of your complaint and your credit report I can advise that the last update we
received from ScotiaDealer Advantage was back in 2018 at which time they reported a
balance of $9 owing. The rating on the account is an I-1 which means being paid as
agreed. We have no record of any correspondence or update from then since 2018.
Upon review of the letter from ScotiaDealer Advantage that you enclosed with your
online dispute submission, it clearly indicates that the account has been paid in full, as a
result your credit file has been updated to show a zero balance and account closed.
Yours truly,

******************
Supervisor, Consumer Relations and Legal Affairs
Cc BBB, ******* **
Customer Answer
Date: 08/18/2022
My Account has not been updated on Equifax as stated in the information sent to me.
What do I need to do to get this dealt with??
********
Business Response
Date: 08/24/2022
8/24/2022

***********************
Account Experience Specialist

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

Dear *************:
Thank you for submitting ************************** complaint on 8/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that their account was not updated.

The ScotiaDealer Advantage account has been updated on the consumers file. The account now has a zero balance and the account is notated as closed.
This consumer has access to a free credit report and score - each month. Updates are only done once a month for the free online credit report. Since we just updated the file this month - they probably won't see this until next month.

The consumer can cancel their free credit report and score, and subscribe again if they refuse to wait until the next update is done on their online free product.

In order to cancel it, they will need to contact our call center at **************.

Sincerely,

Sr. Consumer Relations Specialist

Customer Answer
Date: 08/25/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I will check periodically to make sure that my account is updated. If it is not updatred by end of September I will file another complaint.

Sincerely,

*********************************
Initial Complaint
Date:08/12/2022
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.
My Equifax reporting through Credit Karma shows my mortgage, through Specialized Loan Servicing, was closed. I spent four (4) hours on the phone, between Equifax and Specialized Loan Servicing, trying to get to the bottom of this, as it has negatively impacted my credit score with Equifax considerably. Specialized Loan Servicing is stating that they did not report the account closed, and that the issue is with Equifax. Equifax is denying any accountability, and has said that this is as a result of reporting from Specialized Loan Servicing. Neither company is taking responsibility or accountability for this issue. I also contacted Credit Karma through customer ********************** chat, and they have said there is nothing they can do to rectify the situation.
Business Response
Date: 08/15/2022
EQUIFAX

8/15/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting ***** Hoovers complaint on 8/12/2022 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. Please allow 7 to 10 business days for delivery.
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:08/12/2022
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 has placed an internal freeze on my credit report, which prevents my mortgage lender from pulling my credit. Over the last 2 months I have been on the phone with representatives and supervisors without any resolution. At the request of Equifax I provided proof of identification twice in the form of drivers license, social security card and passport . I have been promised the block has been removed, this situation will be escalated, tech support is looking into the situation, and to this date, my mortgage company cannot pull my credit report. I pay for the premier Equifax package and I cannot even look at my credit. So far this issue has cost me to lose several home purchases and the only response I received is that Equifax is raising the rate for their services. I did not ask for this freeze and it appears that nobody at this company is willing to rectify the situation.
Business Response
Date: 08/12/2022
EQUIFAX

8/12/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting **** Howess complaint on 8/12/2022 through the BBB Complaint Portal. In their complaint, they indicated that their lender is unable to pull their file due to a security freeze. Please be advised that the security freeze was removed on 7/21/2022.
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: 08/14/2022
It appears as though Equifax has provided a standard response to a common problem. The issue with my credit report as stated in my initial complaint still stands. Once again I pay for Premier service and cannot view my credit report or score. Secondly my mortgage company has once again tried to pull my credit without success. I have been told on many occasions, after many phone calls that this elusive internal block has been fixed. It clearly has not. During my last conversation with an Equifax representative I was told the issue required assistance from an IT technician, and the issue would be resolved within 2 hours. This was two weeks ago. Please identify and fix the problem.
Business Response
Date: 08/16/2022
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:08/12/2022
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.
Theres an auto loan on my credit report from **************** #***************** that was closed as a charge-off/collection account on Aug 4, 2022 and was reopened on Aug 10, 2022. This account has inaccurate payment history for all three credit bureaus also. They are reporting on my credit report as late for a charged off account
Business Response
Date: 08/12/2022
EQUIFAX

8/12/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting ****** PuJoues complaint on 8/112022 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: 08/12/2022

Complaint: 17705999

I am rejecting this response because: in the screenshots of all 3 credit reports show the account being reported inaccurately

Sincerely,

*************************
Business Response
Date: 08/15/2022
EQUIFAX

8/15/2022

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

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

Dear **************:
Thank you for submitting ****** PuJoues rebuttal complaint on 8/12/2022 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

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