Complaints

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

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• 

  Equifax, Inc.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  PO Box 740241 Atlanta, GA 30374-0241

  
• 

  Equifax, Inc.

  1800 Deming Way Middleton, WI 53562-3512

• 

  Equifax, Inc.

  PO Box 8982 Madison, WI 53708-8982

• 

  Equifax, Inc.

  PO Box 1167 Omaha, NE 68101

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

• Initial Complaint

  Date:07/21/2022

  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 mailed Equifax a notice of an unrecognized collection due to identity theft on June 14 via certified mail. Equifax Tracking # ********************** Account name ******* WIRELESS - SOUTH Account # ************** You have not completed a proper investigation pursuant to FRCA 15 USC ********************************************************************************************** face a fine. Pursuant to FRCA 15 USC 1681c2 any information resulting from identity theft must be blocked.Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. How can an account be both open and a charge off? How can an account be both open on 09/27/2014 and 09/01/2014? This information is inaccurate and fraudulent and pursuant to the **** any account that is reporting inaccurately must be deleted. PLEASE REMOVE.

  

  Business Response

  Date: 07/21/2022

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

• Initial Complaint

  Date:07/21/2022

  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.

  Hello, my name is *****************************, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************'s Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting *************************** complaint on 7/20/2022  through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/21/2022

  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 sent my dispute letter last 06/09/2022 and checked my results today and was upset to find out that I didn't get the results that I expected. There are a lot of inaccuracies shown in my report and even specify the specific inaccurate details when I sent my details. No one ever responded to me. I never received any correspondence that my request was processed. Please investigate these and process my request immediately. Please delete these inaccurate accounts from my credit report.1. Validate Account ***** FARGO Account Number: ******** Please remove this inaccurate information from my credit report.2. Validate Account AMEX Account Number: -************ Please remove this inaccurate information from my credit report.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/2022
  
  ***********************
  Better Business Bureau
  
  
  RE: ***********************, Case #********
  
  Dear **************:
  Thank you for submitting ******* Wards complaint on 7/20/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/21/2022

  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 three Items that do not belong to me on my Experian credit report. For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debt been verified ? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. I sent a certified letters to Experian, requesting an investigation of the the items on my report that were incorrect and not mine. 1. **** of America xxxxxxxxxxxx **** , ****************** xxxxxxxxxxxx ****, Portfolio Recovery xxxxxxxxxxxxxxxx *********************************************** appearing on my credit report. I've sent in proof of address. These address should not appear they do not belong to me. Where are they furnishing these addresses from, once again im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address ?-PO ************************************************ -******************************************************************************* I received responses from Portfolio Recovery, OneMain and Discover. All of which have either an incorrect address and amounts owed for credit accounts I never signed for. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. My rights have been violated ... my life has been violated because Experian is choosing to report debts that I do not belong to me. I have sent in FTC reports requested debt validation, all to be told over the last 24+ months that this debt is verified with no proof of ID or signature. Im at my wits end of constantly challenging this matter with no resolve.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ******** Murrays complaint on 7/20/2022  through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 07/21/2022

   
  Complaint: 17595918
  
  I am rejecting this response because:

  Several investigations have been conducted with the same result that I have given in my original complaint. If said debt belongs to me then provide information other than a **** that was mailed to an address that is not mine. Ive reported fraud on my account and Equifax had done nothing to adjust it. This has hindered me since 2019 with trying to purchase a home because of these incorrect items. I have provided the *** report that has confirmed fraud and we are still conducting yet another re-investigations. I feel like Equifax is in cohorts with these companies, because in the midst of these false items on my report I am the only party being affected negatively. So why is the information provided directly to Equifax not enough to remove all negative items that DO NOT belong to me removed. 

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

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************** Case # ******** 
  
  Dear **************:
  Thank you for submitting the consumer's rebuttal to our 7/20/2022 response. At this time, we kindly ask the consumer to allow the allotted time frame to complete the investigation. Once the consumer receives the results, they will contain the next steps to follow should the consumer still disagree.
  
  Respectfully,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 07/21/2022

   
  Complaint: 17595918
  
  I am rejecting this response because:
  
  Equifax was given several attempts to provide proof that these debts were indeed mine under the guide lines stated in the the **** for consumer rights and credit reporting. Equifax has consistently failed to do so which could result in a lawsuit because what I asked Equifax for each letter that was mailed was not given to me. 
  
  They are asking for more time to stall and do another investigation. I received a letter dated July 8th 2022 with the results of my latest investigation where I asked for proof. Once again no information was furnished to me stating how the debt was verified and the proof of verification that the debt indeed belongs to me. So why are we waiting on yet another investigation ? I can show the proof of this letter along with my FTC report stating there was fraud. My consumer rights under the **** have been violated over the last 24+ months. Some of which fall under  *******************************.  At this time I demand that these accounts that are negatively impacting me be removed immediately. 
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:07/21/2022

  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.

  Dear Better Business Bureau I am writing a complaint about the Equifax bureau, I sent a letter on 04/08/22 stating I had some accounts and information that did not belong to me which I consider it is inappropriate activity. I also sent them some documents to prove my request.I have attempted to contact EQUIFAX so many times via phone and mail so they can resolve this issue as soon as possible but have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ******* Beltrans complaint on 7/20/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/21/2022

  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 BBB, my name is *********************, I sent my letter to the credit bureaus, but I did not get a response that I liked. I really would just like for someone to look at it. Im not sure whats going on but there are some accounts on here that are not reporting accurately.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *********************, Case # ********
  
  Dear **************:
  
  Thank you for submitting *********************** complaint on 7/20/2022  through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 07/25/2022

  Thank you for your assistance, I am hoping that these inaccuracies on my credit report will be addressed as soon as possible

• Initial Complaint

  Date:07/21/2022

  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.

  Dear Better Business Bureau I am writing a complaint about Equifax, I have sent a letter 04/09/22 stating I was having some accounts and information that did not belong to me which I consider inappropriate activity. I also sent them some documents to proof my request including the required FTC I have attempted to contact Equifax so many times via phone and via mail so they can resolve this issue as soon as possible but they have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting **** Mozquedas complaint on 7/20/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation of the information was completed.  The results were sent directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

• Initial Complaint

  Date:07/20/2022

  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 is a formal complaint against Equifax located in ******* **. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this credit reporting agency is reporting erroneous, derogatory information about me to which is killing my *************************** Professional image. They've refused to send any proof of their claim because they have none since this account has never even existed. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  7/21/2022
  
  ****** Brown 
  Better Business Bureau
  
  
  RE: *************************** Case #********
  
  Dear ***********************:
  Thank you for submitting ***************************** complaint on 7/20/2022 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. 
  
  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

• Initial Complaint

  Date:07/20/2022

  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.

  Dear BBB I need help with my credit file in which I have been strugling to correct. I have sent dispute to bureaus but i have not receive any proper response, I need to have these inaccuracies deleted from my credit report.

  

  Business Response

  Date: 07/21/2022

  EQUIFAX
  
  
  7/21/22
  
  ***********************
  Better Business Bureau
  
  
  RE: *****************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting ******* Ghansahs complaint on 7/20/2022  through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that an investigation with the furnishers of the information has been initiated.  When the furnishing company provides their findings, we will send those results directly to the consumer. 
  If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
  Thank you for the opportunity to assist you, we are closing this complaint.
  Sincerely,
  
  Sr. Consumer Relations Specialist

  Customer Answer

  Date: 07/22/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and hope that we can get this issue resolved.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:07/20/2022

  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.

  Dear Better Business Bureau I am writing a complaint about the Equifax bureau, I sent a letter on 04/14/22 stating I had some accounts and information that did not belong to me which I consider it is inappropriate activity. I also sent them some documents to prove my request.I have attempted to contact EQUIFAX so many times via phone and mail so they can resolve this issue as soon as possible but have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.

  

  Business Response

  Date: 07/20/2022

  EQUIFAX
  
  
  7/20/22
  
  ***********************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear **************:
  
  Thank you for submitting **** Lotuleleis complaint on 7/20/2022  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