Business Profile

Credit Reporting Agencies

Equifax, Inc.

Complaints

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

Customer Complaints Summary

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

If you've experienced an issue

Submit a Complaint

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

Initial Complaint
Date: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.
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

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