EQUIFAX, INC.

2017-09-13

Haverhill, MA

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

Grand Prairie, TX

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

Davenport, IA

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

Brandy Station, VA

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

Richland, 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

Torrance, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-09-13

Magnolia, TX

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
Company Response: Closed with explanation

Timely Response

2017-09-13

KY

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-09-13

MS

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Company Response: Closed with explanation

Timely Response

2017-09-13

Bolling Afb, DC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-09-13

Bronx, NY

Incorrect information on your report

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

Account information incorrect
Complaint: this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full
Company Response: Closed with explanation

Timely Response

2017-09-13

CA

Incorrect information on your report

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

Account status incorrect
Complaint: It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will
Company Response: Closed with explanation

Timely Response

2017-09-13

New Market, AL

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: This complaint involves the following companies : * Equifax * XXXX * XXXX * XXXX XXXX * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX Regarding the companies : Equifax, XXXX, XXXX My report has been disputed almost every single month over the same accounts with all three bureaus modifying or publishing inconsistent changes for each dispute. Between XX/XX/XXXX and XX/XX/XXXX I have filed multiple disputes with each bureau in an effort to correct inaccuracies in my reporting. These inaccuracies have affect credit decisions for me and have cost me considerably with opportunities. The credit card accounts that I had with XXXX and XXXX XXXX were previously in a collection status and there was an established agreement made before settlement payment that my negative remarks, payment history, and derogatory status would be removed from reporting upon receipt of payment. XXXX and XXXX XXXX have repeatedly varied their responses and required credit bureau disputes all of which returned inaccurate results that still have not corrected the issue. XXXX refused completely to acknowledge their issue or even attempt to resolve the issue on their own. After informing them when I called back in XX/XX/XXXX that I had previously submitted 2 disputes with no avail they simply suggested that I attempted yet another dispute. I have done the 3rd dispute attempt and have not had the issue corrected at all with XXXX, Equifax, or XXXX all of which have obfuscated reporting and all of which have changed their reporting multiple times with each dispute, failing to resolve the issue each and every time. I have attempted to subscribe to all three bureau 's individual reporting services in an attempt to progress my issue and not only was I charged money for access to inaccurate reporting, I was unable to receive the assistance that I paid for. This is in addition to the Equifax security breach which has left me unable to access my credit report to " freeze '' it due to both online and telephone failures. I have only been able to access error messages both online and over the phone when attempting to contact all three bureaus to freeze my report. Equifax, even though I am a currently paying subscriber, attempted to sell me an additional service that provided features which I was already entitled to, and features that did not deliver the service that they advertised. Equifax also presents its premium subscription as a way to receive quicker alerts and added safeguards in defending fraudulent activity. As a subscriber I was not made aware, and still have not received, any attempted communication on the part of Equifax to notify me of the security breach. My accounts with XXXX and XXXX XXXX have been settled well out of this year. No account had any obligation owed and I was not in any customer relationship with either bank for the entire whole of XX/XX/XXXX. Furthermore, my account with the Veteran 's Administration that was reported as of even the most recent Equifax dispute as being in a collection status as of XX/XX/XXXX. I have a paid in full letter directly from the Veteran 's Administration refuting this reporting entirely. The latest Equifax dispute results as of XX/XX/XXXX state, " We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. The date closed has been updated. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' XXXX XXXX XXXX has neglected to report all payments made in accordance with attached documentation. In addition, each dispute filed did not return accurate reporting for this information as well. My current status still shows as a collection account in derogatory status despite a paid in full letter showing the correct date directly from the Veteran 's Administration.
Company Response: Closed with explanation

Timely Response

2017-09-13

Lionshead Lake, NJ

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

Fort Worth, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Company Response: Closed with explanation

Timely Response

2017-09-13

Phila, PA

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

Logan, UT

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

Rancho California, CA

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
Company Response: Closed with explanation

Timely Response

2017-09-13

Long Island City, NY

Credit monitoring or identity theft protection services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.
Company Response: Closed with explanation

Timely Response

2017-09-13

Burlingame, CA

Problem with fraud alerts or security freezes

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

Complaint: Equifax 's incompetence led to my social security number being exposed via a security breach and they now ask for money from me to put a security freeze, literally profiting from putting me at risk.
Company Response: Closed with explanation

Timely Response

2017-09-13

Green Bay, WI

Credit monitoring or identity theft protection services

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

Problem with product or service terms changing
Complaint: Equifax compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!
Company Response: Closed with explanation

Timely Response

2017-09-13

Strasburg, VA

Improper use of your report

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

Reporting company used your report improperly
Complaint: In light of misuse or fraudulent access, a.k.a. breach of security, I request a new rule for credit bureaus, requiring XXXX XXXX. Some private companies implement XXXX XXXX on private systems in order to contract with the Federal Government. Why not US Credit Bureaus?
Company Response: Closed with explanation

Timely Response

2017-09-13

CA

Problem with fraud alerts or security freezes

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

Complaint: I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!
Company Response: Closed with explanation

Timely Response

2017-09-13

Natrona Hts, PA

Problem with fraud alerts or security freezes

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

Complaint: I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Company Response: Closed with explanation

Timely Response

2017-09-13

ID

Problem with fraud alerts or security freezes

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

Complaint: After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.
Company Response: Closed with explanation

Timely Response