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

6,075 total complaints in the last 3 years.
2,494 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:08/30/2024
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.
Equifax has violated rights under the **** on multiple occasions. I have been fighting with Equifax on these fraudulent inquiries for months now and I am completely exhausted and taking the next step on this. Other than this I am going to sue. I have some fraudulent inquiries on my credit report that I have reported countless time to Equifax, provided all the information they have requested multiple times to no avail. Please remove these fraudulent and unauthorized inquires from my credit report as it is crippling my ability to obtain credit for months now. I have listed them below and will attach my FTC report as proof and ID documents as well so please do NOT try to stall thinking I am not the one submitting this complain. I have proof from certified mail ********************** that was received on 06/17/2024 showing that they received the information requested.FRAUDULENT & UNAUTHORIZED INQUIRIES AMERICREDIT FINANCIAL SERVICES 09/16/2023 CAP ONE VIA DEALER 09/16/2023 CORO IMPORT EXPORT 09/16/2023 ONEMAIN 09/16/2023 ***** FARGO AUTO 09/16/2023 WESTLAKE SERVICE *** 09/16/2023 CAP ONE VIA DEALER 09/15/2023 ALLY FINANCIAL 09/15/2023 WESTLAKE SERVICE *** 09/15/2023 TT OF ********, ***. DBA **** 09/14/2023
Customer Answer
Date: 08/30/2024
Hello,

This complaint is being submitted by I, ***************************** ******************************* and not a third party. I understand that previous complaints may have been similar but I can assure you that there is no third party involved. I am aware of my consumer rights and procedures to go through regarding complaints.

Thank you.
Business Response
Date: 09/09/2024
September 9, 2024

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

Re: *********************************, Case # ********
Dear *****************************,
Thank you for submittingHopeton ********* complaint on 09/03/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
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,

*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/11/2024

Complaint: 22219381

I am rejecting this response because: according to 15 U.S.C. 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 receipt. I have been trying for months to get this resolved. Your reply specifically used "inaccurate" and "incorrect" while completely disregarding that they were identified as fraudulent. By law, these are to be blocked within 4 business days of receiving my request pending your ************************************************** my updated credit report once the investigation is completed. I know my rights as a consumer. Thank you.

Sincerely,

*********************************
Business Response
Date: 09/16/2024
September 16, 2024

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

Re: *********************************, Case # ********
Dear *****************************,
Thank you for submitting ********************************* complaint on 09/03/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumers concerns and initiated an investigation, when applicable. The results were provided to the consumer on 09/09/2024.

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,

*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/17/2024

Complaint: 22219381

I am rejecting this response because: Equifax has repeatedly reported inaccurate information on my credit report which has been hurting my ability to obtain credit for months now. This same information was deleted from Transunion due to this inaccuracy. If the same furnisher is reporting the information to all three agencies then how is it that Equifax is claiming the information is "verified". That is showing that a proper investigation was not completed and is a violation of the ***** This is obviously willful non compliance on Equifax's end and is liable for damages up to $1,000 per violation. I understand my rights and will exercise them if needs be as this is now looking to become pointless in trying to fix it through your channels.

Sincerely,

*********************************
Initial Complaint
Date:08/29/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This notice is to inform you that you are unlawfully reporting an unauthorized account on my ********************** report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated identity theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability.By obtaining my CREDIT AGENCY consumer credit report on DATES LISTED without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act (FCRA) codified at 15 U.S.C 1618b(a)3(f)(i). ******************************, *************************** 2003)I have not initiated any transaction with the companies listed above. Furthermore, I do not have an account as defined under 15 U.S.C 1693a(2) with named companies for review for collection.Pursuant to 15 U.S.C 1681n(a), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for more than 2 years, or both.I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. DELETE ALL INFORMATION IN THE EMPLOYER SECTION.
Customer Answer
Date: 09/01/2024
I am not working with a third party, please process my complaint as I submitted it
Business Response
Date: 09/04/2024
Date: September 04, 2024

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

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

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

Thank you for submitting ******************************************* complaint on 09/03/2024 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:08/29/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Dear ***/*****,I am writing to formally lodge a complaint against the three major credit reporting agenciesTransUnion, Experian, and Equifaxfor their refusal to validate and correct discrepancies on my credit reports. Despite multiple disputes and requests for validation, the credit bureaus have failed to resolve the inaccuracies, which have negatively impacted my credit score and financial well-being.Details of the Complaint:1.Discrepancies Across Credit Reports:I have identified several discrepancies across my credit reports with TransUnion, Experian, and Equifax. Specifically, there are differences in how accounts are reported, including:oRepossession status, payment history, and charge-off details are not consistent across the bureaus.oSome accounts report inaccurate late payments, while others show no payment history at all.oThere are severe score discrepancies that suggest incomplete or incorrect information on at least one of the reports.2.Failure to Validate Disputed Accounts:I have submitted formal disputes for multiple accounts, requesting that the bureaus validate the information they are reporting or correct any inaccuracies. Despite this, I have received responses that do not address the issues or simply state that the information was verified without providing any evidence of validation.3.Violation of Consumer Rights:Under the Fair Credit Reporting Act (FCRA), I am entitled to accurate and verifiable information on my credit report. The refusal of these credit bureaus to provide proper validation of the accounts in question violates my rights as a consumer and has caused financial harm, including denial of credit and unfavorable loan terms.
Customer Answer
Date: 08/29/2024
I wrote the complain and sent this 2 3 companies all of which its the same complaint personally.
Business Response
Date: 09/03/2024
Equifax, Inc
*****************************;
**********************

September 03, 2024]

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

Re: ***************************, Case #********

Dear *****************************,
Thank you for submitting ********************** complaint on 08/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,
*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/03/2024

Complaint: 22213496

I am rejecting this response because:

I HAVE SENT NUMEROUS LETTERS, CERTFIED WITH THIS INFORMATION (DRIVES LIC, BANK STATEMENT, ACCURATE ID INFO) AND THEY STILL HAVE NOT CORRECTED, OR MADE ANY CHANGES TO ANY DISPUTES, REQUESTS, OR ANYTHING I HAVE ASKED.

I HAVE INCLUDED MY DL, WHICH HAS MY CURRENT ADDRESS ON IT.

Sincerely,

***************************
Business Response
Date: 09/04/2024
September 4, 2024

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

Re: ***************************, Case # ********

Dear *****************************,
Thank you for submitting *************************** complaint on 08/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,

*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/04/2024

Complaint: 22213496

I am rejecting this response because: I have done this multiple times sent via certified mail. This is a delay, and very frustrating. I am also inclosing my drivers lic for sections 1, and my DL has the current address ( section 2)

Sincerely,

***************************
Business Response
Date: 09/09/2024
September 9, 2024

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

Re: ***************************, Case # ********
Dear *****************************,
Thank you for submitting *************************** complaint on 08/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,
*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/11/2024

Complaint: 22213496

I am rejecting this response because:

I have sent this in numerous times, also they didn't include a fax, or contact place to send this securely. I am enclosing the current DL, with current address listed. TY

Sincerely,

***************************
Initial Complaint
Date:08/29/2024
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 am hereby disputing these 3 accounts showing on my ********************** report. I have asked numerous times for account verification and received inadequate responses. each case individually was Voluntary Non-Suit Dismissal by the Plaintiffs because they couldnt provide any proof these are my accounts I am asking that these please be removed off my credit report since they were never proven in court to be my accounts. I have filed multiple disputes online with each of the credit agencies and these items have still not been removed off my credit report.
Customer Answer
Date: 08/29/2024
I have sent and stated this complaint myself and I really need your assistance with this,******************************
Business Response
Date: 09/03/2024
Equifax, Inc
*****************************;
**********************

September 03, 2024

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

Re: *************************, Case # ********

Dear *****************************,
Thank you for submitting ************** complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
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,

*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/03/2024

Complaint: 22212380

I am rejecting this response because:

,Because I have done everything in the past 2-3 months to explain this wasnt mine and that even the lawyers that took the case to court had asked the court to dismiss these against me because theres no proof they are mine and every time I ask yall come back that they are mine and the Balance of them go up and even hurt my credit score more so I want these off my report now not another 30 days from now Sincerely

*************************
Business Response
Date: 09/04/2024
September 03, 2024

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

Re: *************************, Case # ********

Dear *****************************,

Thank you for submitting ************** complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.

We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

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,

*******************************
Your Equifax ************* Team
Initial Complaint
Date:08/29/2024
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.
My full name is Mengmeng ****. My husbands full name is ************.Equifax has made a significant error with both my credit report and my husbands. Specifically, when our bank attempted to pull my husbands credit report using his SIN number, two reports appeared in their systemone of which incorrectly displayed my name and birth date.Both of us had to subscribe to the Equifax' paid premium service in order to track the promised fix. But only to find out that my husband's SIN number appears on my credit report instead of my own SIN number.This mistake has caused severe disruption, as we are in the process of purchasing a property, with a closing date set for September 5. At this moment, the only obstacle preventing our bank from releasing the mortgage is their inability to pull correct credit reports for both my husband and me from Equifax. If this error is not corrected immediately, I face the risk of breaking the contract, leading to the loss of our advanced payment of CAD ****** and the property itself.Despite multiple attempts to resolve this issue directly with Equifax Canada in the past 10 days, the situation remains unresolved. I have contacted their customer ********************** numerous times per day, provided all necessary documentation, and requested corrections, but the response has been inadequate and random (In the morning, they said it's resolved, in the evening, they told me it's still in progress, several times). The delay in rectifying this error not only jeopardizes our property purchase but also poses a serious risk to our financial well-being.Given the severity of this matter, I am requesting your immediate assistance in advocating on our behalf to ensure that Equifax Canada addresses this issue as a priority. Your intervention could help expedite the resolution process and ensure that our credit histories are accurately and fairly reported before the closing date of our property transaction.
Customer Answer
Date: 08/29/2024
I didnt authorize any 3rd party to file this complaint for me. Im filing this complaint myself with BBB.
Business Response
Date: 09/03/2024
Please see attachment
Initial Complaint
Date:08/28/2024
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.
In regards to a dispute I have I have a credit card with ************ I have had for 6 years And it does not show up on my equifax file!Over a 3 week period I have called both *********** and equifax to resolve this and both companys refuse to take accountability and tell me that its the other companys fault, they cant do anything and I need to call the other company, and when I do, they tell me the same thing,Please help this is messing up my credit file and Niether will fix and its stopping me from getting a bank loan I desperately need for emergency expenses!Calling both ******** has got me no where they keep sending me in a loop back and forth with ******* trying to help resolve or even take accountability I dont know even know where to go or what to do at this point!
Customer Answer
Date: 08/29/2024
I authorize this complaint but I do not fully know how to navigate this or how to properly place a complaint for my issue, I would love to speak over the phone if possible
Business Response
Date: 09/03/2024
CONSUMER INFORMATION SOLUTIONS
Equifax ****** Co.
PO Box 190
******** QC H1S 2Z2

September 3, 2024

Chev **** Email: *******************
*****************
*******, ON L0B1A0

Dear ************,
We acknowledge receipt of your complaint to the Better Business Bureau.
We can confirm that the account in question, *********** credit card account ending in xxx0571, is now
present on your Equifax credit file.
We trust that this is to your satisfaction.
Yours Truly,
Haydar
National Consumer Relations
Initial Complaint
Date:08/28/2024
Type:Billing 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.
The following inquiries are fraudulent and were never authorized by me. I have no recollection of these inquiries and they have no right to report under my credit profile. Immediately block and remove them from my credit report. AMERICAN REPORTING CORP 08/23/24 // US BANCORP 8/1/24 // CIC MORTGAGE CREDIT 7/29/24 // AMERICAN REPORTING C 8/3/23 // XACTUS 8/1/23 // CIC CREDIT 6/20/23 // CIC MORTGAGE CREDIT 6/14/23 // CIC MORTGAGE CREDIT 6/6/23 // ****** MOTORCARS 5/6/23 // ************* SERVIC 5/5/23 // ALLY FINANCIAL 5/2/23 // CREDCO 4/28/23 // LAND ROVER PALM BEAC 4/13/23 // LAMBORGHINI FIN SVC 3/28/23 // JPMCB AUTO FINANCE 11/16/22 // LAND ROVER PALM BEAC 11/11/22 // JPMCB AUTO FINANCE 11/11/22 // XACTUS 10/18/22
Customer Answer
Date: 08/29/2024
This is to clarify that it is myself, *************************, submitting this complaint. No third party is helping me in this process.
Business Response
Date: 09/03/2024
Equifax, Inc
*****************************;
**********************

September 03, 2024

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

Re: *************************, Case # ********

Dear *****************************,
Thank you for submitting *************************** complaint on 08/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumers concerns and initiated an investigation, when applicable. The results were provided to the consumer on 09/03/2024.

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,

*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/03/2024

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,

*************************
Initial Complaint
Date:08/28/2024
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 recently checked my credit report and noticed that i had un authorized inquires on my report i need these inquires removed because they are not tied to any accounts i have. The documents are attached
Customer Answer
Date: 08/28/2024
I *********************** sent this complaint you can proceed
Business Response
Date: 09/03/2024
Equifax, Inc
*****************************;
**********************

September 03, 2024

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

Re: ***********************, Case # ********

Dear *****************************,
Thank you for submitting ****************** complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumers concerns and initiated an investigation, when applicable. The results were provided to the consumer on 09/03/2024.

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,

*******************************
Your Equifax ************* Team
Initial Complaint
Date:08/28/2024
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 filed for bankruptcy In June of 2024. All 3 of my *********** credit card accounts were closed on June 26 2024 due to the bankruptcy. For whatever reason Equifax in July, and August of this year removes the accounts because there closed and then places them back. This has been done 3 times in 2 months and each time causes my credit score to drop almost 100 points. I have submitted multiple disputes and this issue continues to happen. My bankruptcy is set to be discharged and this error dropping my credit score is going to mess me up extremely bad.
Customer Answer
Date: 08/28/2024
I have never filed a complaint to Equifax. My last complaint the bbb handled was to ***********. Those are 2 different companies and these are 2 different issues. Mission lanes complaint was resolved and closed. Equifax has reopened and closed 3 *********** credit card accounts 3 times in 2 months, I had that were closed June 26 2024 due my bankruptcy causing my credit to drop almost 100 points. Photos were provided when the complaint was filed.
Business Response
Date: 08/30/2024
Equifax, Inc
*****************************;
**********************

August 30, 2024

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

Re: ********************, Case # ********

Dear *****************************,
Thank you for submitting *************** complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,
*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/03/2024
As requested here is a copy of my drivers license with the current address.
Business Response
Date: 09/05/2024
September 05, 2024

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

Re: ********************, Case # ********

Dear *****************************,
Thank you for submitting ******************** complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,
*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/06/2024

Complaint: 22206761

I am rejecting this response because: this is the same request you made 2 days ago and I sent a picture of my current ID card with the current address already.

Sincerely,

********************
Business Response
Date: 09/09/2024
September 9, 2024

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

Re: ********************, Case # ********

Dear *****************************,
Thank you for submitting ******************** rebuttal on 09/06/2024 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
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.

Sincerely,
*******************************
Your Equifax ************* Team

Customer Answer
Date: 09/11/2024

Complaint: 22206761

I am rejecting this response because: I have been thru this process multiple times as stated in my complaint. No update has been provided to me. I would like to no why this issue has continued to happen and at least if they can verify the documents I provided are accurate.

Sincerely,

********************
Initial Complaint
Date:08/27/2024
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.
************************* attorney At Law contacted me about filing Bankrupcy. He received ******* cash from me. When his assistant *****, put The numbers together **** wanted me to pay a monthly amount of ******* for 5 years to The courts an amount more than i receive from SSI. A month So i cancelled The Bankrupcy. I recently found out that it is on my credit report with All three credit agencies. I asked ****** to have it removed And he did not have it removed. I would like this taken off my credit rrport immeditlly. I believe he should return some of my money as well.. I believe he scammed me out of my money. I have No credit card debit, No taxes past due, The only bad credit was a repossission if *******. No medical bills And No mortgages. The house mortgage was In my husband name.
Customer Answer
Date: 08/28/2024
I am not sure what you are needing from me, *********************************. My complaint is in regards to an Attorney, *************************, whose office is located on ******** in **********, **. He filed a Bankrupcy case for me in 2021. He wanted ******* to do the Bankrupcy which I gave him in cash. His assistant ***** filed all my bills and they told me I was going to have to pay the court 1350. A month for 5 yrs. This was more than I receive monthly and I told him to cancel the Bankrupcy claim. A couple of months ago I saw it was on my credit rating and asked him to remove it. He said he would not. I called and spoke to the credit beauro and sent them the dismissal but it still shows up. ************************* is taking advantage of people and needs to be stopped.
Business Response
Date: 09/03/2024
Equifax, Inc
*****************************;
**********************

September 03, 2024]

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

Re: *********************************, Case # ********

Dear *****************************,
Thank you for submitting ************************* complaint on 08/29/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license with current address
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

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,
*******************************
Your Equifax ************* Team

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