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.

  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

• 

  Equifax, Inc.

  PO Box 30343 Tampa, FL 33630-3343

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:08/11/2022

  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.

  Adverse action notice: My small business start up is affected by erroneous and fraudulent hits on my credit report. I want them fixed and I want reimbursement for denial of credit due to these actions that are on my credit report that should not be there.

  

  Business Response

  Date: 08/12/2022

  EQUIFAX
  
  
  8/12/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *******************************, Complaint ID: ********
  Dear **************:
  Thank you for submitting *********************** complaint on 8/11/2022 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

  Customer Answer

  Date: 08/17/2022

  I have contacted these people, explained that the medical xrays they have on my credit report and sent to collections, were settled in an insurance legal case in 2018.  They need to contact the attorney, ***********************, in ******, *******, and the collections need taken off my report immediately.  

  

  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:08/10/2022

  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 report agency had a breach in their data which affected me so they put an extended fraud alert on my account. I moved in 2020 and updated my phone number with them. I recently applied for credit through Chase Manhattan, I received a letter from them stating that I had a freeze on one of my credit reports and they could not get a hold of me because my phone number was not correct. I logged into my Equifax to change my phone number with them and noticed my phone number was correct but not on the freeze. I then attempted to change my phone number on the freeze and got the biggest run around Ive ever had in my life. Their automated telephone system doesnt work, it keeps telling you it didnt understand what you said and then it hangs up on you and then if you try again it tells you that you cant talk to them anymore because youve attempted too many times. It tells you you can do anything you want with it on your my Equifax account, when I went to my Equifax it told me to call that phone number or send a fax or send a snail mail. So I send a fax and I have no idea when theyre going to change it or if theyre going to change it and my credit card company claims that after 14 days they will not consider my application, But in order to call them my phone number has to be correct Equifax. I have excellent credit and having this check on my credit report will create problems with my credit if I dont get the card Im possibly going to *** them if they caused this to happen! In Georgia we say bless your heart to these kind of people.

  

  Business Response

  Date: 08/11/2022

  
  
  8/11/2022
  
  ***********************
  Better Business Bureau
  
  
  Cody *************************, Case #********
  
  
  RE:
  Dear ***********************:
  Thank you for submitting Cody ****** complaint on 8/10/2022 through the BBB Complaint Portal. In their complaint, they indicated that they are unable to manage their security freeze. Currently, there is no security freeze reporting on the consumers file. 
  
  Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they *** attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.
  
  Please be advised, in an effort to enhance the security of consumer data, changes to the authentication process before disclosing any information or making any changes to a credit file have taken place. 
  
  Consumers can still manage their security freeze online via MyEquifax.  However, if the consumer chooses to call in they must either receive a one-time PIN by text message or answer knowledge-based questions to complete authentication.  When receiving a security freeze lift or removal request via mail, consumers must include proof of identity, such 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 **** for gas, cable or residential telephone ****. 
  
  Equifax understands the importance of keeping consumers data secure, and continues to look for ways to improve the consumer experience while enhancing data security. 
  
  Placing, lifting and removing a security freeze is free. They can place, temporarily lift, or permanently remove a security freeze on their Equifax credit report in several ways.
   
  Online, by creating a myEquifax.com account. They can check the status of their security freeze through their myEquifax account as well.
  By phone. Call us at **************. Theyll be required to give certain information to verify their identity. Theyll also have the option to receive a one-time PIN by text message or answer questions based on information in their Equifax credit report for identity verification. 
  By mail.  If they are requesting to temporarily lift or permanently remove a security freeze via mail, theyll need to provide documents to validate their identity and address.  After we receive the request and verify your identity, they will receive confirmation.
  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: 08/12/2022

   
  Complaint: 17698863
  
  I am rejecting this response because: there is a security freeze, I saw it on there just the other day, I was going to log onto myequifax and screenshot it but now Im frozen out of myequifax! Also, my name is not ****, maybe thats your problem. Oh brother!

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

  

  Business Response

  Date: 08/12/2022

  
  
  8/12/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *************************, Case -17698863
  
  
  
  Dear ***********************:
  Thank you for submitting ******* Downss rebuttal complaint on 8/12/2022 through the BBB Complaint Portal. We apologize for the name mix **. ** their complaint, they indicated that they are unable to manage their security freeze. Currently, there is no security freeze reporting on the consumers file. 
  
  Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they *** attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.
  
  Please be advised, in an effort to enhance the security of consumer data, changes to the authentication process before disclosing any information or making any changes to a credit file have taken place. 
  
  Consumers can still manage their security freeze online via MyEquifax.  However, if the consumer chooses to call in they must either receive a one-time PIN by text message or answer knowledge-based questions to complete authentication.  When receiving a security freeze lift or removal request via mail, consumers must include proof of identity, such 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 **** for gas, cable or residential telephone ****. 
  
  Equifax understands the importance of keeping consumers data secure, and continues to look for ways to improve the consumer experience while enhancing data security. 
  
  Placing, lifting and removing a security freeze is free. They can place, temporarily lift, or permanently remove a security freeze on their Equifax credit report in several ways.
   
  Online, by creating a myEquifax.com account. They can check the status of their security freeze through their myEquifax account as well.
  By phone. Call us at **************. Theyll be required to give certain information to verify their identity. Theyll also have the option to receive a one-time PIN by text message or answer questions based on information in their Equifax credit report for identity verification. 
  By mail.  If they are requesting to temporarily lift or permanently remove a security freeze via mail, theyll need to provide documents to validate their identity and address.  After we receive the request and verify your identity, they will receive confirmation.
  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:08/10/2022

  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.

  While finishing my military overseas I have been unable to Unfreeze my account with EQUIFAX. In my case the online and phone automated system appears to not function correctly. They offer no human to talk to to resolve my issue or unfreeze my account. The ************ they offer would require me to be physically present in ****** which is not possible at this time. Kindly offer an option for those overseas to talk to a human being in order to remove a credit freeze.

  

  Business Response

  Date: 08/11/2022

  
  
  8/11/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************************, Case #********
  
  Dear ***********************:
  Thank you for submitting Cody ************* complaint on /10/2022 through the BBB Complaint Portal. In their complaint, they indicated that they are unable to manage their security freeze. Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they *** attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.
  
  Please be advised, in an effort to enhance the security of consumer data, changes to the authentication process before disclosing any information or making any changes to a credit file have taken place. 
  
  Consumers can still manage their security freeze online via MyEquifax.  However, if the consumer chooses to call in they must either receive a one-time PIN by text message or answer knowledge-based questions to complete authentication.  When receiving a security freeze lift or removal request via mail, consumers must include proof of identity, such 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 **** for gas, cable or residential telephone ****. 
  
  Equifax understands the importance of keeping consumers data secure, and continues to look for ways to improve the consumer experience while enhancing data security. 
  
  Placing, lifting and removing a security freeze is free. They can place, temporarily lift, or permanently remove a security freeze on their Equifax credit report in several ways.
   
  Online, by creating a myEquifax.com account. They can check the status of their security freeze through their myEquifax account as well.
  By phone. Call us at **************. Theyll be required to give certain information to verify their identity. Theyll also have the option to receive a one-time PIN by text message or answer questions based on information in their Equifax credit report for identity verification. 
  By mail.  If they are requesting to temporarily lift or permanently remove a security freeze via mail, theyll need to provide documents to validate their identity and address.  After we receive the request and verify your identity, they will receive confirmation.
  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: 08/12/2022

   
  Complaint: 17697119
  
  I am rejecting this response because: Equifax, *** does not permit online or phone unfreezing of my account. The reason for this is unknown.  The freezing was originally requested online after it was known that Equifax, *** was at the heart of a massive security breach. I issued the freeze request online with a PIN. Since then my request to unfreeze is not permitted online by Equifax, *** and redirects to the use of the automated system which fails to function properly. No other non-automated system exists for those located overseas and as a result of Equifax, *** nonfunctional systems I am unable to unfreeze.  I request that Equifax, *** either make the necessary changes to their systems or offer human representatives to assist with the unfreezing process.
  
  Sincerely,
  
  *********************************

  

  Business Response

  Date: 08/12/2022

  8/12/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************************, Case #********
  
  Dear ***********************:
  Thank you for submitting Cody ************* rebuttal complaint on 8/11/2022 through the BBB Complaint Portal. In their complaint, they indicated that they are unable to manage their security freeze. Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they *** attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.
  
  Please be advised, in an effort to enhance the security of consumer data, changes to the authentication process before disclosing any information or making any changes to a credit file have taken place. 
  
  Consumers can still manage their security freeze online via MyEquifax.  However, if the consumer chooses to call in they must either receive a one-time PIN by text message or answer knowledge-based questions to complete authentication.  When receiving a security freeze lift or removal request via mail, consumers must include proof of identity, such 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 **** for gas, cable or residential telephone ****. 
  
  Equifax understands the importance of keeping consumers data secure, and continues to look for ways to improve the consumer experience while enhancing data security. 
  
  Placing, lifting and removing a security freeze is free. They can place, temporarily lift, or permanently remove a security freeze on their Equifax credit report in several ways.
   
  Online, by creating a myEquifax.com account. They can check the status of their security freeze through their myEquifax account as well.
  By phone. Call us at **************. Theyll be required to give certain information to verify their identity. Theyll also have the option to receive a one-time PIN by text message or answer questions based on information in their Equifax credit report for identity verification. 
  By mail.  If they are requesting to temporarily lift or permanently remove a security freeze via mail, theyll need to provide documents to validate their identity and address.  After we receive the request and verify your identity, they will receive confirmation.
  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: 08/16/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and found a solution on my own.Please close complaint.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:08/10/2022

  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.

  Dear ***** or Sir: ** April of this year when I wanted to refinance, shockingly I was informed that I have some late payments in my credit reports. Immediately after I started sending written validations to furnishers of information and it turned out to be all the late notices were inaccurate and wrong based upon the documents that furnishers provided themselves. Then on June 9, 2022 I sent a dispute notice to this credit Bureau but notoriously, unethically, irresponsibly and illegally they failed or refused to process my demand. Their action caused financial injury to me and is prosecutable by law however I would like to appeal to your services and request your assistance in this matter. At this time I am hoping that the BBB would be able to help me to convey my legit complaint to this violator bureau and hoping that they comply with the law and process my demand. This has been a burden to me since I lost so much time whereas it could have been moved forward months ago. Best regards to you all.

  

  Business Response

  Date: 08/11/2022

  EQUIFAX
  
  
  8/11/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Complaint ID: ********
  Dear **************:
  Thank you for submitting *********************** complaint on 8/9/2022 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

  Customer Answer

  Date: 08/16/2022

   
  Complaint: 17695972
  
  I am rejecting this response because: Dear BBB. Thank you for your help, I will resend my dispute notice to EFX directly and will wait for their response.
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 08/17/2022

  EQUIFAX
  
  
  8/17/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Complaint ID: ********
  Dear **************:
  Thank you for submitting *********************** complaint 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:08/09/2022

  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.

  For my dispute with the collections account I did with the ***** I am sending in additional documentation as requested. Please remove such account because I never opened up that account.My information is below:******************************* ********************************************************** Last four of SSN: **** March 22, ****

  

  Business Response

  Date: 08/10/2022

  EQUIFAX
  
  
  8/10/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *******************************,  Case ID # ********
  
  Dear ****************:
  Thank you for submitting *********************************** complaint on 8/9/2022 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: 08/10/2022

  It is just a wait and see, nothing else for me to do.

• Initial Complaint

  Date:08/09/2022

  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 signed up for trial period with myequifax monitoring service--i cancelled via phone within the time period i was still charged. i then went online and cancelled called agent x 4 always something wrong with their system...REFUSED to refund me and tried to upsell me. This is a SCAM and they fraudulently charged me $19.95

  

  Business Response

  Date: 08/11/2022

  Dear **************************************,
  Equifax appreciates your business and hope you will return to us for your future credit and identity protection needs.
  
  We have received your request to cancel Equifax Complete Premier. Your product will cancel on 09/05/2022, which is the end of your billing cycle.  
  The product's 7 day trial period expired on 08/05/2022.  Cancellation request was received on 08/07/2022, therefore not eligible for refund.
  Important Notes:
  When you submit a request to cancel your product, the subscription remains active until the last day of your billing cycle which is 09/05/2022.
  If you feel this cancellation is in error, please contact our ************* Team at ************** for help. The ************* team is available between 8 a.m. to midnight (ET), 7 days a week.
  
  
  

  Customer Answer

  Date: 08/11/2022

   
  Complaint: 17688992
  
  I am rejecting this response because:
  I did speak to your representative on the 4th and long hold times wait times but still called on 5th. Your staff told me your system was down for days! 
  

  this is a scam 

   

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

  

  Business Response

  Date: 08/11/2022

  Dear **************************************,
  Equifax appreciates your business and hope you will return to us for your future credit and identity protection needs.
  
  We have received your request to cancel Equifax Complete Premier. Your product will cancel on 09/05/2022, which is the end of your billing cycle.  
  The product's 7 day trial period expired on 08/05/2022.  Cancellation request was received on 08/07/2022, therefore not eligible for refund.
  Important Notes:
  When you submit a request to cancel your product, the subscription remains active until the last day of your billing cycle which is 09/05/2022.
  If you feel this cancellation is in error, please contact our ************* Team at ************** for help. The ************* team is available between 8 a.m. to midnight (ET), 7 days a week.

• Initial Complaint

  Date:08/09/2022

  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.

  July 19th, 2022, I contacted the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating " They DO NOT report any bankruptcies to anybody" So if that's the case. How did the credit bureaus verify my bankruptcy as 100% Accurate? They never did a fair investigation according to the Law: 15 USC ****. 15 UCS **** section 603 (3)(E) States; The term "Investigative consumer report" means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. They also Violated my rights numerous times. The Credit Bureaus Violated my given right under 15 USC **** According to: 15 U.S.C **** Section 602 A. States I have a right to privacy. According to:15 ********** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without MY written instructions. According to: 15 U.S.C ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  

  Business Response

  Date: 08/10/2022

  EQUIFAX
  
  
  8/10/2022
  
  ****** Brown 
  Better Business Bureau
  
  
  RE: ***************************, Case #********
  
  Dear **************:
  Thank you for submitting Damon ********* complaint on 8/8/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialis

• Initial Complaint

  Date:08/08/2022

  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.

  Requesting that the following addresses besides ********************************************************** and names besides ********************************* ******* to be deleted from my credit report as they are not mine. My name is ******************************** and address is ********************************************************** all of the other names and addresses are not mine and requesting for it to be deleted immediately.

  

  Business Response

  Date: 08/10/2022

  EQUIFAX
  
  8/10/2022
  
  ****** Brown 
  Better Business Bureau
  
  
  RE: *************************, Case #********
  
  Dear ***********************:
  Thank you for submitting **** Martinezs complaint on 8/8/2022 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 **** for gas, cable or residential telephone ****. 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: 08/11/2022

   
  Complaint: 17687759
  
  I am rejecting this response because:
  
  Sincerely,
  
  ********************************* Eztevez

  Customer Answer

  Date: 08/12/2022

  I have sent in my validation documents which are my Driver License, **** and Social security I need the BBB to send this to Equifax and to delete the inaccurate erroneous accounts.

  

  Business Response

  Date: 08/16/2022

  EQUIFAX
  
  
  8/16/2022
  
  ****** Brown 
  Better Business Bureau
  
  
  RE: ********************************* Eztevez, Case #********
  
  Dear **************:
  Thank you for submitting ********************************* Eztevezs complaint on 8/8/2022 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 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

  Customer Answer

  Date: 08/17/2022

   
  Complaint: 17687759
  
  I am rejecting this response because: The inacurate unverifiable items are still reporting when they should be removed.
  
  Sincerely,
  
  ********************************* Eztevez

• Initial Complaint

  Date:08/08/2022

  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.

  On 8/7/22 I attempted to get my credit bureau reports at annual credit report. When I got to the Equifax screen, it said it couldn't process the request and the message provided a phone number to call. When I called Equifax about the technical issue, I was told I HAD to have an account with them to see my free credit report. I don't know what this place is trying to pull, but I was able to view the other ones with no issue. When you log into myequifax, it lets you know you have 6 free credit reports you can get. (Due to the pandemic...these reports have been free weekly). On top of that they have other products listed that you can purchase. I want my account with Equifax immediately closed. What a scam telling people they are required to have an account with them. I think people should be warned about this company requiring people to have an account. Attached is the email I received welcoming me.

  

  Business Response

  Date: 08/11/2022

  Dear ********* ******,
  
  Equifax appreciates your business and hope you will return to us for your future credit and identity protection needs.
  
  Your myEquifax account was cancelled on 08/10/2022, and you will no longer be able to access your product online.
  
  It has been a pleasure to assist you and please don't hesitate to contact us in case you have any further questions or concerns.
  
  Thank you for contacting Equifax,
  
  Equifax Consumer Care Team

  Customer Answer

  Date: 08/11/2022

  I received an email from Equifax saying my email was changed to ****************************************.

  Not sure what that is about. I wanted the account closed, not an email change.
  

  

  Business Response

  Date: 08/12/2022

  Dear ********* ******,
  
  Equifax appreciates your business and hope you will return to us for your future credit and identity protection needs.
  
  Your myEquifax account was cancelled on 08/10/2022, and you will no longer be able to access your product online.
  
  It has been a pleasure to assist you and please don't hesitate to contact us in case you have any further questions or concerns.
  
  Thank you for contacting Equifax,
  
  Equifax Consumer Care Team

  Customer Answer

  Date: 08/14/2022

  I would like an explanation of the email I received saying that the email on my account was changed to ***************************************** What exactly does that mean? You stated I would no longer be able to log into my account. I'm guessing the new email won't allow me to log in, but is my account still there even though you stated I cannot access it? To me...there would have been no email change requirement to eliminate my account? So please explain to me the relationship between the donotuse_4672 email to my account actually being cancelled....especially since the last 4 digits of my phone number are part of that email address. It seems to me to be a strange way of just closing out an account.

  

  Business Response

  Date: 08/16/2022

  Dear ********* ******,
  

  We are closing this complaint.
  
  Equifax appreciates your business and hope you will return to us for your future credit and identity protection needs.
  
  Your myEquifax account was Cancelled on 08/10/2022, and you will No Longer be able to access your product online.
  
  It has been a pleasure to assist you and please don't hesitate to contact us in case you have any further questions or concerns.
  
  Thank you for contacting Equifax,
  
  Equifax Consumer Care Team

• Initial Complaint

  Date:08/08/2022

  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.

  On 8/6/22 I checked my Equifax account and discovered it went down 79 points between 7/29 and now. I checked my account and nothing new seems to be effecting it. However I did input some disputes to which I figured this was why it went down. I called Equifax on 8/7 and was told this drop of my credit report is correct because of my past collections. These same collections have been on my report for years so for it to drastically fall this fast is upsetting. The rep I spoke with did not want to help me dispute this as he stated "he cannot". I have not done anything with my credit report I a few months and will not accept that this drop is from the same accounts that have been on my report.

  

  Business Response

  Date: 08/10/2022

  EQUIFAX
  
  
  8/10/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************,  Case # ********
  
  Dear **************:
  
  
  Thank you for submitting **** McClams complaint through the BBB Complaint Portal.  In their complaint, they indicated that their score is incorrect.
   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: 08/10/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution NOT satisfactory but I understand and accept the response. 
  
  Sincerely,
  
  *********************