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Business Profile

Credit Reporting Agencies

Equifax, Inc.
BBB accredited business seal
BBB Accredited BusinessB Rated by BBB

Complaints

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

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Equifax, Inc. has 46 locations, listed below.

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    Customer Complaints Summary

    • 7,063 total complaints in the last 3 years.
    • 3,426 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/26/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      PLEASE REMOVE ALL INCORRECT INFORMATION OFF MY REPORT!!!!The inquiry was not authorized **************** *** Date of inquiry: Feb 03, 2022 Please remove it from my credit report The inquiry was not authorized **************** *** Date of inquiry: Oct 27, 2021 Please remove it from my credit report The inquiry was not authorized *********** Date of inquiry: Jan 27, 2021 Please remove it from my credit report The inquiry was not authorized **************** *** Date of inquiry: Jan 08, 2021 Please remove it from my credit report

    • Initial Complaint

      Date:07/26/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 noticed that I have inaccurate information on my credit report so I did a dispute and they never removed the items. They sent a automated response

    • Initial Complaint

      Date:07/26/2022

      Type:Billing Issues
      Status:
      Answered
      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 am writing to dispute the following information in my file. These items I want to dispute on my credit report. These items are inaccurate because I am a victim of identity theft. I am requesting that you block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that information.

    • Initial Complaint

      Date:07/26/2022

      Type:Sales and Advertising Issues
      Status:
      Resolved
      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.
      Im not liable for this debt with Sprint and do not have a contract with Convergent Outsourcing. They werent able to provide me the original application that I had asked for.

      Customer Answer

      Date: 07/26/2022

      I only have these available and am unable to retrieve the dispute report as Ive exceeded the allotted time. All these have is the dispute number unfortunately. 

      Business Response

      Date: 07/28/2022

      EQUIFAX


      7/28/2022

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


      RE: Saccharine Ziadi, Case #********

      Dear **************:
      Thank you for submitting SaccharineZiadis complaint on 7/25/2022 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: 07/28/2022

       
      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.

      Sincerely,

      Saccharine Ziadi

    • Initial Complaint

      Date:07/26/2022

      Type:Billing Issues
      Status:
      Answered
      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 reporting false information on my credit report involving a collection account . After numerous times of disputing it always comes back verified as true Equifax is complicit in aiding LVNV in re aging this account which is illegal they are reporting the open date as May 29, 2020 to keep on my credit report longer the actual date is 8-14-15 . The account is close to the 7 year **** for removal. **************************** account # ******************. *************************** tried to collect the debt on behalf of LVNV on 1-26-17 and LVNV has tried to collect numerous times with no proof that would stand ** in court.This account has been re aged illegally and I want it removed ASAP...image ****is a copy of my Equifax credit report.image **** is a copy of NES debt collector dated 1-26-17

    • Initial Complaint

      Date:07/25/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 inquiries were unauthorized, unexpected and or fraudulent. I demand these inquiries be removed immediately.*********** Sep 07, 2021 JPMCB - AUTO FINANCE Sep 07, 2021 ALLY FINANCIAL Sep 07, 2021 CARMAX AUTO FINANCE Sep 07, 2021 *********** Sep 01, 2021 JPMCB - AUTO FINANCE Aug 31, 2021 ALLY FINANCIAL Aug 30, 2021 JPMCB - AUTO FINANCE Aug 15, 2021 ALLY FINANCIAL

      Customer Answer

      Date: 07/25/2022

      ATTACHED IS PROOF OF PRIOR DISPUTE WITH EQUIFAX LAST 60 DAYS.

      Business Response

      Date: 07/27/2022

      EQUIFAX


      7/27/2022

      ****** Brown 
      Better Business Bureau


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

      Dear **************:
      Thank you for submitting ****** ******* complaint on 7/22/2022 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.  Please be advised that a review of the information was completed. The results were sent directly to the consumer. Please allow 7 to 10 business days for delivery.
      If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
      Thank you for the opportunity to assist you, we are closing this complaint.
      Sincerely,

      Sr. Consumer Relations Specialist

    • Initial Complaint

      Date:07/25/2022

      Type:Customer Service Issues
      Status:
      Answered
      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.
      Since April of 2022, I having been trying to obtain a copy of my credit report from Equifax. I have tried multiple times to request the report over the phone, online, and by mail. Apparently, the information they have does not correspond to me in any way. Security questions seem to imply that they are referring to someone else. Equifax seems to have no interest in serving the public, as I am unable to get in contact with anyone who is willing to resolve this issue.

      Business Response

      Date: 07/27/2022



      7/27/2022
      ***********************
      Better Business Bureau


      RE: *******************, Case ID: ********

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

      Thank you for submitting the complaint, dated 7/22/2022, regarding *******************.
      A copy of the Equifax credit file was sent directly to the consumer via confirmation number **********.  
      If they have any additional questions, they may call ************** or they may visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.
      Thank you for the opportunity to assist you, we are closing this complaint.
      Sincerely,

      Sr. Consumer Relations Specialist

      Customer Answer

      Date: 08/02/2022

       
      Complaint: 17610694

      I am rejecting this response because: as of the 2nd of August, I have still not received the Equifax Credit Report. 

      Sincerely,

      *******************

      Business Response

      Date: 08/03/2022



      8/3/2022
      ***********************
      Better Business Bureau


      RE: *******************, Case ID: ********

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

      Thank you for submitting the rebuttal complaint, dated 8/2/2022, regarding *******************.
      Per your request, a copy of the Equifax credit file has been 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

    • Initial Complaint

      Date:07/25/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      A medical collection was placed on my credit file January 2022, and naturally it affected my credit score negatively. When the collection was paid and removed, my credit score did not change and Equifax can give me no explanation as to why there was no score change. Both *********** and Experian scores changed when the collection was paid and removed.

    • Initial Complaint

      Date:07/25/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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'm trying to unfreeze my credit at Equifax. I submitted the requested documentation. I have spent hours on the phone and know persons can even tell me if they received the documentation. I've called repeatedly and always get the same response. They always want me to send documents which I have already sent. I'm now at the mercy of Equifax with no way to resolve the issue.

      Business Response

      Date: 07/26/2022



      7/26/2022

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


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

      Dear ***********************:
      Thank you for submitting ******* Marshalls complaint on 7/22/2022 through the BBB Complaint Portal. In their complaint, they indicated that they are unable to manage their security freeze. Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they *** attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.

      Please be advised, in an effort to enhance the security of consumer data, changes to the authentication process before disclosing any information or making any changes to a credit file have taken place. 

      Consumers can still manage their security freeze online via MyEquifax.  However, if the consumer chooses to call in they must either receive a one-time PIN by text message or answer knowledge-based questions to complete authentication.  When receiving a security freeze lift or removal request via mail, consumers must include proof of identity, such a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Current pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility **** for gas, cable or residential telephone ****. 

      Equifax understands the importance of keeping consumers data secure, and continues to look for ways to improve the consumer experience while enhancing data security. 

      Placing, lifting and removing a security freeze is free. They can place, temporarily lift, or permanently remove a security freeze on their Equifax credit report in several ways.
       
      Online, by creating a myEquifax.com account. They can check the status of their security freeze through their myEquifax account as well.
      By phone. Call us at **************. Theyll be required to give certain information to verify their identity. Theyll also have the option to receive a one-time PIN by text message or answer questions based on information in their Equifax credit report for identity verification. 
      By mail.  If they are requesting to temporarily lift or permanently remove a security freeze via mail, theyll need to provide documents to validate their identity and address.  After we receive the request and verify your identity, they will receive confirmation.
      If they have any additional questions, they *** call ************** or they *** visit www.myequifax.com.  With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes.  Additionally they can access free Equifax credit reports and other products.

      Sincerely,

      Sr. Consumer Relations Specialist

      Customer Answer

      Date: 07/27/2022

       
      Complaint: 17609863

      I am rejecting this response because:

      I have provided the requested documentation to Equifax. Each time I communicate with Equifax I am told I they have no record of me and I must submit documentation verifying identity. Again, I have submitted this documentation multiple times. I also know Equifax has records of me because I was notified in 2017 when they had their data breach. Now Equifax says they have no records and have not provided a useful means to resolve this problem. I have spent 406 minutes on phone calls, $50 on faxes and certified mail and still no one can provide a reasonable answer or solution.

      Continuing to send letters and faxes is not solving the problem. Equifax needs to provide me with direct communication with someone that can help fix this problem.


      Sincerely,

      *******************************

      Business Response

      Date: 07/29/2022

      7/29/2022

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


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

      Dear ***********************:
      Thank you for submitting ******* Marshalls complaint  through the BBB Complaint Portal. In their complaint, they indicated that they are unable to manage their security freeze. Listed below are the steps to manage the security freeze. Documents will be required. Please advise the consumer that they may attach their documents to this BBB complaint and submit through the portal. It is not mandatory to provide the requested information.  However without it, we will not be able to assist the consumer with their concerns.

      Please note we did receive a copy of ************************ driver's license, how ever it was illegible. Please resubmit a copy his ID documents. 

      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: 07/29/2022

       
      Complaint: 17609863

      I am rejecting this response because:

      The lender informed me that the response from Equifax to a credit check indicates my information was frozen. When I call Equifax I am told they do not have any records so there is nothing to unfreeze.

      The problem is more than the generic unfreeze. I need a number to contact Equifax and speak to someone that understands what is going on. 

      As previously mentioned, I have spent many hours on the phone trying fix this. The number you provided is the very number I have been calling with no luck.

      Also, I have submitted multiple copies of the required documents via certified mail as well as by fax. I have also uploaded my DL to the BBB portal for you to view.

      Again, I call the number you provided. Every time I get the same response I do not exist in the Equifax database. I am asking to be able to speak with someone who knows how to fix this. The people at the generic help number you keep providing are not capable of helping. The online service only works if your information is in the database, hence that is useless for me.

       

       


      Sincerely,

      *******************************

      Business Response

      Date: 08/04/2022

      EQUIFAX

      8/4/2022
      ***********************
      Better Business Bureau

      RE: *******************************, Case #********
      Dear **************:
      Thank you for submitting ******* Marshalls rebuttal complaint on 7/29/2022 through the BBB Complaint Portal. In their complaint, they indicated that their file is frozen and/or locked. Please advise the consumer that there is no security freeze or credit lock reporting on their Equifax file.
      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:07/25/2022

      Type:Billing Issues
      Status:
      Answered
      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 reporting a closed accounts with credit usage . This is not accurate. The accounts are paid with zero balance . Iam requesting these accounts be removed. All accounts were closed at my request. Iam now requesting the accounts to be removed The credit usage is false. There is no activity on the account.

      Business Response

      Date: 07/26/2022

      EQUIFAX


      7/26/2022

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


      RE: ***************************, Complaint ID: ********
      Dear **************:
      Thank you for submitting ******* Givenss complaint on 7/25/2022 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

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