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.
1. Negative credit report issued by Chase/Equifax on July 2, 2022 2.Applied for ****** Airlines credit card 3. Impossible to reach Equifax to dispute negative report 4. Their reference #************ 5. Their reasons for negative report: a) high debt to income + b) insufficient installment information 6. Nonsense = a) present FICO score 831 with ******* ****************** + b) 2 car loans for ****** over last 6 years. One car loan paid off and other car loan will be paid off this year 2022 in November
Business Response
Date: 07/20/2022

EQUIFAX

7/20/22

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

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

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

Thank you for submitting ***************************** 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.

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: 07/21/2022
Equifax states no installment history. - Incorrect - I had 2 car loans over past 6 years. see attached.
Equifax states income to debt too high. See attached tax returns of $90,000 gross income leading to FICO score of 830+
Business Response
Date: 07/25/2022
EQUIFAX

7/25/2022

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

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

Dear **************:
Thank you for submitting ***************************** 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
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.
Over the past year and a half, I've made several attempts to dispute the MIDLANDFUN and PORTFOLIO accounts and the inaccurate information that's being placed on my credit report by Equifax. Bottom line, these accounts are hindering me from obtaining my veteran home loan and moving forward in my life. These accounts are reporting past due and 120 days late. But like I've disputed before, a collection account cannot report an account past due or late, because by default, the account is late and past due. Furthermore, how can I be 120 days late if I was never 30, 60, and 90 days late prior to becoming 120 days late? You cant go to 120 days late without starting at 30 days late first. It just doesn't make sense. MIDLANDFUN and PORTFOLIO are collection accounts, and collection accounts cannot report late payments and past due amounts. It is a direct violation of the **** to do so. The credit bureau stated that these accounts were properly investigated and found accurate, but how can that be if they're still reporting blatant and factual inaccurate information that I provided proof of. The **** states that if an account is found to be inaccurate, it must be removed and Equifax has failed to do so. And since Ive provided proof that these accounts are in fact, inaccurate and in violation of the ****, surely thats ground for removal. Even more, after doing my research, I feel that my rights have been violated under 15 U.S.C **** section 602 A, 604 A section 2, and 15 ***********. (a)(5), which Ive annotated below. I've also attached documentation to help solidify my claims of inaccuracy.In accordance with the Fair Credit Reporting Act, The following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****.MIDLANDFUN #********* PORTFOLIO #CAPIT-************** Please note that Portfolio is being reported twice under different names and addresses which Ive highlighted. Should be deleted immediately
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

****** Brown
Better Business Bureau

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

Dear ***********************:
Thank you for submitting *************************** Jrs 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.

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:07/19/2022
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.
Equifax is violating the law by reporting inaccurate information on my credit report i have reached out to them for months trying to get the issue fixed with no results.i want both accounts deleted immediately Fortiva is reporting 2x on my equifax credit report with 2 different balances 2 different payment summaries and so much more they violating the law i want both of the accounts removed immediately
Business Response
Date: 07/21/2022
EQUIFAX

7/21/2022

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

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

Dear **************:
Thank you for submitting Shawnteera Wesleys 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

Complaint: 17576470

I am rejecting this response because:
That is always the response that I get when ever I submit a complaint and nothing ever gets resolved at this point I need action asap. It is becoming very frustrating.
Sincerely,

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

7/21/22

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

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

Dear **************:
Thank you for submitting the consumer's rebuttal to our 7/16/2022 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
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.
Equifax had violated the **** by not responding to my dispute of inaccurate information within 30 days. I have tried on multiple occasions to have them conduct a proper investigation and they have not responded at all. They have not sent any results and they failed to provide their method of verification. It has been 2 months since I wrote them on May 13. I'm not sure what's going on because none of my letters have been returned, so I am positive they received them. They just don't care and are willfully violating the law.
Business Response
Date: 07/21/2022

EQUIFAX

7/21/2022

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

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

Dear ***********************:
Thank you for submitting Lakeysa Browns complaint on 7/15/2022 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 additional 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.

It is not mandatory to provide the requested information. However without it, we will not be able to assist the consumer with their concerns.

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: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.
Equifax has continued to report incorrect information after sending in documentation that was asked and is failing to correct it.
Business Response
Date: 07/20/2022
EQUIFAX

7/20/22

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

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

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

Thank you for submitting ******* Shepherds complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation of the information was completed. The results were sent directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer Answer
Date: 07/21/2022

Complaint: 17574686

I am rejecting this response because:
I have filed multiple disputes with Equifax regarding 2 inquiries. 1 has been removed and the other is still on my report. I have filed multiples reports with the *** and attached documentation showing that these both were fraudulent. Equifax completed the investigation again stating an inquiry is actual information which is incorrect. There was clearly no investigation done or they are not reading the documentation provided and I attached said documentation to my complaint.

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 7/15/2022 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: 17574686

I am rejecting this response because:

I literally submitted ANOTHER dispute yesterday regarding the removal of the inquiry and the investigation was COMPLETED yesterday and came back as accurate. Equifax is not doing proper investigations especially on inquiries and not looking at documentation. I have done everything they have asked on my end. I am yet again submitting attached documentation PROVING that I have. Upon reading these documents you can see the ftc complaint that someone used my information to try to open 2 accounts for Best Buy AND target last year.
Sincerely,

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

7/21/2022

****** Brown
Better Business Bureau

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

Dear **************:
Thank you for submitting ******* Shepherds rebuttal complaint on 7/21/2021 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 inquiries are a factual record of file access. If the consumer believes the inquiries are unauthorized, please have them contact the lender directly and follow their internal fraud procedures. If in fact the access was in error, the lender will reach out to Equifax to have the error corrected. If in fact the access was in error, the credit grantor should follow the correct procedures by emailing ******************************************** to have the error corrected. They will ONLY accept emails from Credit Grantors.
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: 17574686

I am rejecting this response because:
again this inquiry was not factual information, I have taken the necessary steps and filed complaints with the ftc and contacted the creditors already. I feel like Im explaining myself over and over.

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 7/15/2022 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: 07/22/2022

Complaint: 17574686

I am rejecting this response because:

I waited for the investigation to be completed on the dispute that I filed yesterday and again it has came back as accurate because inquiries are factual information dispute filed 7/21 and completed 7/21. I have done this for days. At what point is someone going to step in and make them fix the problem because they arent doing a thorough investigation and not looking at documentation!
Sincerely,

*******************************
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 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 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 ******* BOYETTEs complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that 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:07/19/2022
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.
*********************** **************************************************************************************** Date of Birth: 04/20/1995 SS#: 138-98-4352 Letter to Remove Inaccurate Credit Information To Whom It May ********* received a copy of my credit report and found the following items to be in error:These inquires was not authorized, Please remove this inaccurate information from my credit report 1). **************** *** Date of inquiry: 11/13/2021 2. FIRST PREMIER **** Date of inquiry: 03/30/2021 3. ALLY FINANCIAL Date of inquiry: 01/10/2021 4. *********** Date of inquiry: 01/10/2021 5. FIRST PREMIER **** Date of inquiry: 12/18/2020 6. Identity Theft **************** *** Account Number: *****************7. The following account is not mine BRIDGE PROPERTY MANA Account Number: ************8. Identity Theft ***** FARGO CARD SER Account Number: *****************9. Identity ************** OF AMERICA Account Number: *********************10. The following information is outdated. **** OF AMERICA Account Number: *********************11. The following account is not mine AMEX Account Number: *********************12. The following account is not mine AMEX Account Number: *********************13. Identity Theft ***** FARGO CARD SER Account Number: ***************14. Identity Theft COMENITY****VICTORIA Account Number: *****************15. The following information is outdated. Remove from my credit report JPMCB CARD SERVICE Account Number: *****************By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C **** section 602A. I have the right to privacy. 15 U.S.C **** Section 604A States Consumer reporting agency cannot furnish a account without my written instruction.
Business Response
Date: 07/20/2022
EQUIFAX

7/20/22

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

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

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

Thank you for submitting Isaiah ****** complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that 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:07/15/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The Fair Credit reporting Act ( which I have attached a copy of) clearly states that if an account on a credit report is incomplete, inaccurate or unverifiable then it should be deleted. On my Equifax credit report it list *************** as been in a charged off status( kindly see file attached) . On the same credit report it states that in November 2015 the account was deliquent 60 days. In December 2015 it says that the account was 90 days delinquent. In January 2016 the Equifax credit report says that the account was 120 days delinquent. There is no payment information listed after wards but it then shows that the credit report goes into a charged off status in January 2017. An account only goes into a charged off status after the account has been delinquent for a 180 days . So, how is it that Equifax is reporting that the account was only deliquent for 120 days but reporting that the account was charged off in January 2017 ? Was there a payment made on the account after January 2017 that brought the account current? Where there other delinquencies after January 2017 no one knows as no payment information is listed there.. The account and payment information is incomplete and thus a violation of the Fair Credit Reporting Act.( kindly see copy of the Fair Credit Reporting Act attached.) Kindly delete *************** from my credit report immediately. I have highlighted on the copy of the **** how credit bureau should handle incomplete credit reports.
Customer Answer
Date: 07/20/2022
What clarification details do you need? I do see anything that specifies what clarification that you are seeking?
Initial Complaint
Date:07/15/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a credit card account through SYNCB/HOME DESIGN NAHFA that was closed in November of 2016. It was reported on my credit report that I was over ********************* 2016 but my ********** Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. In July 2022, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to SYNCB/HOME DESIGN NAHFA. Equifax apparently did an "investigation" and deemed that I was ****** Days Past Due in May 2021, ***** Days Past Due in April 2021, and ***** Days Past Due in March of 2021. This is not possible as I did not have the account in 2021 and it was paid in full when it was closed in 2016. This incorrect information has dinged my credit score by 12 points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. I called SYNCB/HOME DESIGN NAHFA and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in June 2022. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records. Equifax needs to resolve this complete by taking immediate action steps:1. Removing the late payment history with SYNCB/HOME DESIGN NAHFA 2. Removing the late payment remarks/history from ****** Days Past Due in May 2021, ***** Days Past Due in April 2021, and ***** Days Past Due in March of 2021 as I did not have the account and this payment history is not possible nor accurate.3. Returning my credit score back to what it was (666) before Equifax erroneously provided incorrect information on my Credit Report.
Business Response
Date: 07/18/2022
EQUIFAX

7/18/2022

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

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

Dear **************:
Thank you for submitting ************************* complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that 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: 07/19/2022

Complaint: 17572073

I am rejecting this response because:
I have spoken with the furnisher of this information: ************************** and they have told me via an Account Manager that they did not provide Equifax with the information Equifax is currently showing on my credit report.
The account was closed in November 2016 per the furnisher. It is NOT POSSIBLE for me to have made late payments in 2021 as the account was closed and paid in full in 2016. Equifax made a mistake in processing and as a result tarnished my excellent credit score.
The boilerplate response is not helpful and this situation needs to be resolved immediately as it is no fault of my own but rather Equifax's mistake.
Very truly yours,

***********************
Business Response
Date: 07/19/2022
EQUIFAX

7/19/2022

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

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

Dear **************:
Thank you for submitting ************************* complaint on 7/15/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that 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:07/15/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been battling Equifax for the past 5 to 6 months maybe more over a credit account they have listed as valid on my credit report. Each time I ask for an investigation they give me the same generic answer. This account is reporting accurately. Each time I have ask for proof of who validate these account each time they never gave me an answer. The only half way answer I got is they verfity through the OSCAR ******* an automed system. You would think after me asking for proof constantly they will verfity on there on own. They never did. I am tell you I have no knowledge of this account and to delete FIRST PREMIER off my credit report. Delete it. I have file a complaint with CFPB and now I'm filing a report with the BBB to make sure my concerns are addressed otherwise I will have to formally file a lawsuit seeking damage from Equifax for disregarding my rights as consumer when I ask for proof of documents from such account. Equifax send me the proof you are saying belong to me otherwise DELETE this account. Or I will have no other choice but to file a lawsuit seeking damages
Customer Answer
Date: 07/15/2022
Attached is a email from the customer care team.
Business Response
Date: 07/21/2022
EQUIFAX

7/21/22

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

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

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

Thank you for submitting ********************************* complaint on 7/14/2022 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

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