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

7,006 total complaints in the last 3 years.
3,343 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:07/19/2022
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.
Hello, my name is *********************, and I am writing to delete the unauthorized information in my file. The items I need deleted are stated in the report. I am a victim of identity theft and did not make the charge. 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 1681c2 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 has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/22

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

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

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

Thank you for submitting ***** Floyds complaint on 7/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:07/19/2022
Type:Sales and Advertising 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.
Good evening, I hope all is well. 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 the charge. 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 these items as soon as possible.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

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

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

Dear **************:
Thank you for submitting Tyrik Perrys complaint on 7/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:07/19/2022
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.
I found a fraudulent account on my credit report and I filed an identity theft report with the ************************ and I sent it to WF CRD SVC so they could block this fraudulent information from my credit report. According to the Fair Credit reporting Act, WF CRD SVC had 4 business days to block the fraudulent information from my credit report but they failed to do so. I am filing this complaint because they have violated my rights. The following is the fraudulent account showing on my credit report; * WF CRD SVC 370034XXXX Date opened 02/21/2019 Balance $558.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/22

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

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

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

Thank you for submitting Vagharshak Muradyans complaint on 7/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:07/19/2022
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 04/06/22 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 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

7/21/2022

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

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

Dear **************:
Thank you for submitting *************************** complaint on 7/18/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
Date:07/19/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have reached out to Equifax developers approximately 30 times since May seeking API product. I have had over 2 conferences with Equifax team ; *****************, ************************* and Autumn Price. I have spoken with them regarding acquiring authentication key and agent ID to gain access to API documentation. The last conversation I had with them , they stated that they will send over pricing for credit reporting documentation but I never received them. I am a small Black and women owned business and so refuse to be discriminated against from Equifax. All other companies are granted access to your products but I have been ghosted and ignored. I have a legit company where I am trying to provide credit reporting to customers so that they can improve their credit thus creating a better life for themselves. Im am appalled that I have and is keep getting turned around. I wish to have a great company like Credit Karma and allow customers to access their own scores , specifically minorities. My website is coreecredit.com and I cannot launch it due to this dilemma. I can be reached at *****************************************
Business Response
Date: 08/09/2022
Equifax has evaluated ****************** business proposal and has decided not to enter into a business relationship with CoreeCredit at this time.

Thank you
Initial Complaint
Date:07/19/2022
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.
Hello my name is ************************************* and i am submitting this complaint without error or influence of any third party agency. Please see the following documentation and meet my requests in a timely fashion. Thank you for your timely compliance.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting *************************************** complaint on 7/17/2022 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:07/19/2022
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.
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 7/17/2022 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:07/19/2022
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.
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

7/21/2022

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

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

Dear **************:
Thank you for submitting *********************** complaint on 7/17/2022 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:07/19/2022
Type:Service or Repair 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.
To whom it may concern I have been told by several agents the inquiries in question have been removed but they havent. I have provided proof of fraud and they dont belong to me. I need help removing this
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

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

RE: ******** Chryk, ID: ********

Dear **************:
Thank you for submitting ******** Chryks complaint 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: 07/21/2022

Complaint: 17578638

I am rejecting this response because:

as I showed in my pdf complaint equifax failed to provide any proof that these alleged inquries And accounts belonged to me. They keep saying theyre factual. I have written many letters to only get the same reply
an argent on the phone indicated these charges were removed but when I get my credit bureau report they havent been

equifax is providing false and negative information without verifying anything thats where I have the problem.

Sincerely,

******** Chryk
Business Response
Date: 07/21/2022
EQUIFAX

7/21/22

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

RE: ******** Chryk # ********

Dear **************:
Thank you for submitting the consumer's rebuttal to our 7/17/2022 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

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. If equifax doesnt do what they said they will I will re open this dispute

Sincerely,

******** Chryk
Initial Complaint
Date:07/19/2022
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.
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 **********. - Midland Credit Management Account Numbers 315272373,315327798,315590458 - ****************** Account Numbers 110546114,111373018 - Grow Credit Account Number **************** - ******* Wireless Account Number ************** - ********************* Account Number **************** - ********************* Account Number ************ - ********************* Account Number ******** - ********************** Account Number ******** - ********* ***** LLC Account Number ********* - ** U.S.C **** Section 602 A : States I have a right to privacy. There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.- 15 U.S.C **** Section 604 A Section 2 :States a consumer reporting agency cannot furnish an account without my written instructions. - 15 *********** Section A(5) : No consumer reporting agency may make any consumer report containing any of the following items of information - Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. - 15 U.S.C ****s-2 Section 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. - 15 U.S. Code ****d : Aconsumer reporting agencyshall not prepare or furnish aninvestigative consumer reporton aconsumerthat contains information that is adverse to the interest of theconsumerand that is obtained through a personal interview with a neighbor, friend, or associate of theconsumeror with anotherpersonwith whom theconsumeris acquainted or who has knowledge of such item of information.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

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

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

Dear **************:
Thank you for submitting **** Hamiltons complaint on 7/16/2022 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
15 U.S. Code 6802(b): Opt out

(1)In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless

(A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;

(B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and

(C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681(i)
(a) Reinvestigations of disputed information
(1) Reinvestigation required
(A) In general
Subject to subsection (f) and except as provided in subsection (g), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

(5)Treatment of inaccurate or unverifiable information

(A)In general If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall

(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and

(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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