EQUIFAX, INC.
Consumer Complaints
There are over 142719 complaints on file for EQUIFAX, INC.. Dated between 2019-12-15 and 2012-10-22.
Complaints Page 3127
2017-09-13
White Hall, PA
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/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX 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
2017-09-13
Dallas, TX
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 not consent to my financial information being stored by Equifax, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free.
Thank you for taking the time to read my complaint.
Company Response: Closed with explanation
2017-09-13
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deletedXXXX XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT
Company Response: Closed with explanation
2017-09-13
Penn, PA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: All three companies ( Equifax, XXXX, XXXX ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the Equifax breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
Equifax made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
Company Response: Closed with explanation
2017-09-13
Flushing, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2017-09-13
Herndon, VA
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Didn't receive services that were advertised
Company Response: Closed with explanation
2017-09-13
Gloucester City, 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
2017-09-13
Euclid, 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
2017-09-13
Albuquerque, NM
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
2017-09-13
Cherry Brook, MA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.
Company Response: Closed with explanation
2017-09-13
Blairstown, IA
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 allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX
Company Response: Closed with explanation
2017-09-13
W Chester, 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
2017-09-13
TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: My personal identifying information may have been mishandled by Equifax during the Equifax leaks of XXXX to XXXX of 2017. Upon submitting an inquiry through their official website, Equifax was unable to deny mishandling my personal information or credit history.
Company Response: Closed with explanation
2017-09-13
Wonder Lake, 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: My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.
Company Response: Closed with explanation
2017-09-13
Austin, TX
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem getting your free annual credit report
Complaint: I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.
Company Response: Closed with non-monetary relief
2017-09-13
Little Rock, AR
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
Company Response: Closed with explanation
2017-09-13
Portland, OR
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Company Response: Closed with explanation
2017-09-13
Rncho Domingz, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that Equifax is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever.
Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable.
On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
Company Response: Closed with explanation
2017-09-13
Hinsdale, IL
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 have been back and forth with this company and finally resolved the issue ... yet again the irroneous information has been added back and they have tripled the accounts by that I mean they are reporting two and three times to total a whopping 39 IVE DISPUTED AND SUBMITTED EVIDENCE SHOWING THESE ARE NOT MINE ... they kept switching names and addresses and the fair credit reporting laws states that inaccurate information must be deleted permanently to not reappear at the report agencies convenience .... they reinserted with no knowledge or warning giving and these ARE NOT MINE!!! I ask that any and all accounts from XXXX XXXX AND XXXX XXXX BE PERMANENTLY DELETED PER information sent by equifax and XXXX saying they would be ... equifax kept sending me pending results then completion projected dates knowing they VIOLATED MY RIGHTS as to timely due process and THEY DISREGARDED ALL LETTERS I SENT FROM THE SAID COMPANY SAYING THEY WOULD DELETE BECAUSE THEY COULD NOT VERIFY ANYTHING
Company Response: Closed with explanation
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
2017-09-13
Gloucester City, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.
Company Response: Closed with explanation
2017-09-13
Biddeford, ME
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Personal information incorrect
Company Response: Closed with explanation
2017-09-13
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
Company Response: Closed with explanation
2017-09-13
Marietta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Company Response: Closed with non-monetary relief
2017-09-13
Hicksville, 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