EQUIFAX, INC.

2017-09-13

Carrboro, NC

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2017-09-13

Portland, OR

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Lincoln, NE

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Company Response: Closed with explanation

Timely Response

2017-09-13

Oxford, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-13

Cheverly, MD

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: In the wake of Equifax 's unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by XXXX in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
Company Response: Closed with explanation

Timely Response

2017-09-13

San Francisco, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

South Florida, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: Equifax, in the course of collecting personal information for use in credit reporting, was negligent in the storage of this information and as a result, my personal information, including but not limited to my name, address, and social security number were compromised. The net effect of their negligence is that for as long as the compromised information is a core part of the credit reporting system and financial system, I will be vulnerable to fraudulent activity and identity theft. Even with over a month passing since their discovery of this data leak, Equifax is unprepared to take any effective remedial actions. Their website is unable to process requests to freeze my credit. They also have not coordinated with other credit bureaus to allow me to freeze my credit without paying a fee for each freeze and unfreeze. Their phone system is ill equipped to handle the call volume as a result of their failure and they have effectively left me on my own with my personal information exposed. Equifax has offered limited credit monitoring services, but these would only notify me after someone has used this information ; it does nothing to deter the usage of this information.
Company Response: Closed with explanation

Timely Response

2017-09-13

Tampa, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect
Company Response: Closed with explanation

Timely Response

2017-09-13

Sacramento, CA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2017-09-13

Bethesda, MD

Identity theft protection or other monitoring services

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Problem canceling credit monitoring or identify theft protection service
Company Response: Closed with explanation

Timely Response

2017-09-13

Columbus, OH

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2017-09-13

Bolingbrook, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2017-09-13

Audubon, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Seattle, WA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Company Response: Closed with explanation

Timely Response

2017-09-13

Bronx, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information. Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).
Company Response: Closed with explanation

Timely Response

2017-09-13

Anaheim, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Hinsdale, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: Equifax did not take appropriate measures to secure my personal information including SSN and was breached. This has now left me exposed for the rest of my life. I will incur several costs now to monitor my credit even more closely.
Company Response: Closed with explanation

Timely Response

2017-09-13

Baytown, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Bloomington, MN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I had fraud accounts on my credit report and I informed Equifax several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. Credit File # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$12000.00} XXXX/XXXX/XXXX {$12000.00} CHARGE-OFF {$12000.00} Reason for disputing : Fraud Account, I contacted the XXXX XXXX XXXX and said they cleared me from responsibility on this account however Equifax is still reporting this account. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX DAYS PAST DUE {$500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late on this account. XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$6500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX. I have never been late on this account. XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$1300.00} XXXX/XXXX/XXXX {$130.00} PAYS XXXX DAYS Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX and XXXX, XXXX XXXX I have never been late on this account. XXXX XXXX Hide Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$5000.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never been late on this account. Fraud Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Company Response: Closed with explanation

Timely Response

2017-09-13

Lawrenceville, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Brooklyn, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Stuart, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2017-09-13

Seattle, WA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Boise, ID

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-09-13

Columbus, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response