Equifax Reviews 348

They double charged me for the first 3 months. Now they are still taking payments out of my account and I can't log in. I've tried calling but the do not understand my problem. I've sent them bank statements to verify my problem but they still don't understand. I'm out money and they don't show any concern or any effort to rectify this issue.

I have phoned 3 times to speak to a customer service agent in the US, but kept on getting China or the Philippine. I have repeatedly asked “Are you in the US?” to which I have been told “We are not allowed to divulge our location”. It is UNACCEPTABLE we are calling to discuss our credit and not have someone in the US to talk to.

Appalling service. All I wanted to do was cancel. Put on hold. Agent spoke very poor English and kept asking me questions. Suggested to maximise my subscription I call back! In the end I repeated SEVERAL times I wanted to cancel and didn't care if I lost a few days as I couldn't face going through this again. Still no confirmation of my cancellation. AVOID!

Hire agents that speak and understand English. A credit agency that affects our lives and credit rating should be properly staffed with knowing people.

Horrible understaffed and professionalism is in need of improvement spoke to some. Dane at 6:03am HST and had to repeat myself over and over and he was dismissive. He should benefit from learning from a B certified Financial Instituition

7/2/2024: The first major problem is that the website doesn't allow me to log in or reset my password. After verifying my identity, the process says to call Customer Care. After spending 5 minutes working my way through the menus and answering questions to verify my identity, I was on hold for another 12 minutes. I explained that I could not log in. The agent investigated for a few minutes and had a few questions. All of a sudden he couldn't hear me. My Google Voice call had dropped. It sure would be helpful if the Equifax agent would call back in such situations so I can avoid the menus, verification questions and being on hold again. Simply resetting a password should not be so difficult and time-consuming. So number one, fix the website so online verification and password reset can be done. Number two, call customers back when a call is dropped in the middle of a conversation. This will greatly improve your service. Update 7/3/2024: I got through to Equifax Customer Care, he asked if I was using a VPN (yes, I was) and said to turn it off and try again. The website allowed me to log in while the VPN was off. I was able to log in without any difficulty at Transunion and Experian while my VPN was turned on. So the Number 3 improvement for Equifax is, upgrade your site to allow users to log in with VPNs turned on. In the meantime, please upgrade the website message to recommend turning off any VPN and retry the log in. This will save much time and avoid many unnecessary calls to Customer Care as well as avoid making customers mistakenly think that their password needs to be reset.

One of the worst credit report agencies

The damage incorrect data handling causes - apparently my son and I are dead - both of us are unable to get any sort of account with any sort of provider and it's now affecting my business - my father died many years ago and the problem appears to be that we have a similar name to him (doh) - we have different middle names and, of course, different birth dates but it appears that doesn't help ID the right person - the computer says we are also 'deceased" !!!!

Now can't access the support account they gave me !!

They are horrible. If you have an account with them, impossible to delete it withouth calling them, thus there's a good chance you'll forgot you have an account and be billed by them and good luck getting refunded. If you want your credit checked, go with TransUnion.

Once you've started a subscription they won't let you cancel. Do not trust this company! Use Experian instead.

Their my.equifax report is completely different than what their actual report shows. I tried to address that, and now I can’t login. It says I have to call. Trying to use the lost password way says I have no account, and trying to sign up says I have an existing account. And on it goes in a circle. I call and they have no idea what’s wrong. They said I’ll get an email from tech support in ten days. Shut them down.

They have my last name, address and DOB incorrect. The customer service agent told me to dispute it online by sending a copy of my drivers license, proof of mail and security card via online which I did and they still haven’t changed it. They came back stating it was “complete”. Then sent me a research request form by mail to send them the same information again! I’m actually going to seek legal action if they don’t resolve this matter soon. My credit is very important to me as well as everyone else’s! Transunion and Experian were both great to work with and have updated my information over the phone without any issues. Equifax has been the worst service ever!!!

My FICO 841 And other monitors keep going up while Equifax goes down in the 700s.
No wonder they have such a bad reputation!

garbage robotic customer service i will never ever use this trash company again. THE WORST CUSTOMER SERVICE LITERALLY TOOK 5 calls and 30 minutes to unfreeze my credit that should be literally a minute. garbage company

Equifax seems...fine. Certainly they are on par with the other credit reporting agencies, and far superior to ChexSystems in my opinion. That's why they get 3/5. But this review focuses on one thing about them that stinks to high heaven:

Your credit report is not actually your credit report. ONLY YOUR PAPER REPORT IS REAL!!!

I'm used to pulling my report electronically and making sure everything's correct. It always has been correct, as far as I know. Every so often I've had some verification issues or issues with Equifax-related web services. I figured it was random errors or something.

Little did I know that there are secret addresses and other information that is IN YOUR CREDIT FILE BUT IS NOT DISPLAYED in the "credit report" section of the website. This is dangerously negligent.

According to customer service reps, there has been an incorrect address secretly on my report for an unknown period of time. They said that it would show up on my paper report but not on the website. This was confirmed by multiple reps.

They tried to tell me that I needed to submit a dispute, but finally I got the real answer from a supervisor. They just deleted the address right then and there, and then immediately two Equifax-based web services that had been broken for at least 6 months started working again.

Also, this wrong address was the only way that I could authenticate on the phone system, until the supervisor deleted it. After that, I was immediately able to authenticate using my real address, which had been impossible until then.

Again, this wrong address does not show up anywhere on the website, including in the dispute screen. The supervisor said that they are "working on it"; of course, there is no public communication anywhere in the universe that they are working on it or that it is an issue.

I have run into several authentication issues over the past several years, one of which is definitely due to Equifax (which I was only able to figure out after multiple hours on the phone talking to E*TRADE; there was no inquiry on my Equifax report that would have tipped me off and the E*TRADE reps were clearly not trained to deal with Equifax's BS--I don't blame them).

The fact that the wrong address is not in the online list of disputable items is pretty annoying; that means that, even once you manage to find the secret wrong address, the CSRs will try to BS you and tell you that you need to submit a dispute; then you will think that you can't do it online so you have to do it by snail mail, send your most sensitive documents in the mail and wait weeks for it to get fixed. But we know that the reality is that a supervisor can fix it instantly.

All hail that supervisor, they were amazing. Respect to all the CSRs, Equifax's BS is not their fault, and especially the first CSR who is the only reason I found out about that trash address.

I don't think this error occurred because my file is particularly complex or thin. All my addresses are correct on all my accounts, have been for years, I've never been associated with this wrong address. My Equifax credit file is over 11 year old, I have a card going back 11 years and an inquiry history going back at least 2 years. On equifax.com I have one name, one address, one SSN, one DOB, one phone number, and they match all my accounts. To my knowledge, nobody has ever stolen my identity or opened an account in my name. I've lived at the same place for 10 years, never changed my name. For the verification issues I know of, there was no "middle initial" issue.

I dated this review 4/5/2024, because that's the most recent date that I knowingly had an Equifax-related authentication problem (E*TRADE application got kicked to manual verification due to no response from Equifax, a secret no-response which I had to pry from E*TRADE's cold dead hands).

Since I originally posted this review last week, I also noticed that Equifax allows the user to view their full SSN. This can be accessed using only email address and password, and there is no 2FA option. This is not a great practice; TransUnion and Experian don't allow viewing full SSN.

You submit a dispute for credit reporting errors and upload proof but all they do is ask the company reporting erroneously if they made an error, and if the company says “nope,” then nothing is corrected. I am complaining to the CFPB and then I am suing YOU, Equifax, under the FCRA, because YOU do not correct errors obvious even on the face of the report when pointed out. I also have now some lady using my social security number to open accounts but fear putting a fraud alert on my file because last time I did that their outsourcing to India of the fraud department caused me to spend 2 years trying to get the fraud alert lifted after the identity theft was resolved. They are horribly incompetent and rely on outdated data mining from Lexis Nexis. Their latest data breach has resulted in an active identify theft. My scores are artificially low due to false information on my report that they will not “investigate” but only ask the equally incompetent creditor reporting it whether it is accurate. Maybe they will improve at sharing information during discovery as codefendants.

I had my identity stolen and was trying to put a freeze on my credit reports. Dealing with Equifax has been a nightmare! Once I created my account the identification questions were so old, I did not remember all of the information, so I did not pass. It was required for them to send me something in the mail. Once I finally received and tried to use the verification code following all the instructions in the letter, I could still not get in. I had to call again and again and had to keep trying to give them my information because their system was not accepting either my voice response or the keypad response. At long last, I got in and then went through the same thing, over and over again just trying to get to an agent. Even then it was extremely difficult and required me to prove who I was many times with the agent and through their website. I would never use them and certainly not purchase any of their products.

If I could give them no star. The worse customer service and employees in the world. I don't know if there's any worser credit company than them. they don't work and they are paid just to say wait and wait.
They just ask me to subscribe their poor perfomance company.

Equifax won't cancel my direct debit I'm not happy at all I had murders with them this morning I had to ask my card company to block my card so they did your most horrible people I ever know I would recommend you lot to your trying take money from me every day my card company had to block it please cancel my direct debit

Equifax is a joke. They have always been the lowest of all my scores but what happened recently takes the cake. I disputed a balance on a credit card with all three bureaus. Equifax was the only one this action affected my score with. It went down 21 points. After the dispute was resolved and it came out my balance was $1000 less and another card was also less it only went up 16 points. To make it worse the customer service couldn’t tell me anything about why my score went down by that much. So now my Experian is 697, my transUnion is 669 and yet my Equifax is up 16 points from 596 to 612. Why do they even exist? I can’t think of anytime that a loan company has said they used Equifax only anyway. I don’t know how these reviews will effect Equifax but they really are a useless credit bureau.