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

7,275 total complaints in the last 3 years.
3,606 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:11/27/2023
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.
This problem is about the rules in the 15 US Code 1681s-2. These laws say what companies need to do when they give information to credit agencies. The problem is they didn't tell me about the account before putting it on my credit report. So, I'm asking them to take it off because I don't agree with the money they say I owe.Also, they broke the law in 15 U.S. Code 1681b(2). These laws say when it's okay to report things about consumers. They reported the account without asking me first, and they used my social security info the wrong way. Because I'm a victim of identity theft, the rules in 15 US Code 1681c-2 say they have to stop this information without needing my permission.In the 15 US Code 1681a(4), it says that companies that report information must respect my right to keep things private. But it's clear they didn't respect my privacy because they shared my information publicly without asking me. I never said they could do that, so they broke my privacy rights.
Customer Answer
Date: 11/29/2023
I didn't authorize a third party company to file a BBB complaint on my behalf.
Business Response
Date: 12/04/2023
EQUIFAX

12/04/2023

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

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

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

Thank you for submitting ********************* complaint on 11/24/2023 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.
In reference to the concern regarding the investigation process: Upon receipt of the dispute, we first review and consider any relevant information submitted regarding the nature of the dispute. Often, Equifax will then transmit the dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of the dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to the credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing the dispute(s) is shown under the 'Results of the investigation' section on the cover letter that accompanies the copy of the revised credit file.
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
Customer Answer
Date: 12/05/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and will wait for the businesses response via mail/

Sincerely,

*********************
Initial Complaint
Date:11/27/2023
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.
After reviewing my credit report, I've identified inaccuracies within the reported accounts. In accordance with the Fair Credit Reporting Act these creditors have violated my rights as a consumer, I kindly request your assistance in reviewing and correcting these discrepancies promptly.
Customer Answer
Date: 11/28/2023
I ************************* did send this to the BBB.
Business Response
Date: 11/29/2023
EQUIFAX

11/29/2023

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

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

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

Thank you for submitting ************************* complaint on 11/24/2023 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 of the information was completed. The results were sent 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:11/27/2023
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 information on my credit report has not been verified by me, nor has it been approved by me, nor does it have my signature by me to be authorized to be placed on their platform.
Customer Answer
Date: 11/27/2023
The complaint filed in this request is directly from me and nobody else. Any similarity in the phrasing that I used in my complaint is a coincidence. All complaints filed on the BBB website have been directly from me and me alone including this one. Please proceed with my complaint as I have added a PDF Detailing everything that is incorrect on my credit report. I have hired no 3rd parties to do any filings for me, they have all been done direclty by me so please proceed with the complaint as followed.
Business Response
Date: 11/28/2023
EQUIFAX
11/28/2023

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

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

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

Thank you for submitting ************************* complaint on 11/23/2023 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.
Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account ********************** to Equifax. Those that do report on a regular basis appear on the credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on the file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).
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
Customer Answer
Date: 11/29/2023

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:11/27/2023
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.
This is a problem under a law called 15 US Code 1681s-2, which talks about what companies need to do when they give information to credit report places. The problem is that they didn't tell me about the account in writing before putting it on my credit report. So, I want them to take it off because I don't agree that I owe that money.Also, they broke the law in 15 U.S. Code 1681b(2), which says when it's okay to make consumer reports. They did this by reporting the account without asking me and by using my social security info the wrong way. Since I'm a victim of identity theft, another law (15 US Code 1681c-2) says they have to block this data without needing my written permission.By law (15 US Code 1681a(4)), companies that give credit reports must respect my right to keep things private. Sadly, your company didn't follow this because they shared my information without asking me first. I never said they could tell others about my info, so they broke my rights to privacy as a customer.
Customer Answer
Date: 11/29/2023
I did not authorize a third party company to file a BBB complaint on my behalf.
Business Response
Date: 12/04/2023
EQUIFAX

12/04/2023

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

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

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

Thank you for submitting the consumers complaint on 11/23/2023 regarding *****************************. In the complaint, it is indicated there are inaccurate or incomplete items appearing on the Equifax credit report. In review, we were unable to locate a credit file with the personal identifying information provided. In order to properly assist the consumer and to initiate an investigation we will need additional information in order to verify their identification and current address. Please provide a legible photocopy of a valid document that shows their name, current address and complete social security number. Listed below are examples of documents that *** be provided as verification of their identification and current address: Pay stub or W2 with complete U.S. social security number, valid social security card, Driver's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.

Please return this letter along with the requested information to Equifax Information Services LLC P.O. Box ****** *******, ** 30374.

Sincerely,

Equifax
Sr. Consumer Relations Specialist
Customer Answer
Date: 12/05/2023

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:11/27/2023
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.
After reviewing my credit report, I've identified inaccuracies within the reported accounts. In accordance with the Fair Credit Reporting Act these creditors have violated my rights as a consumer, I kindly request your assistance in reviewing and correcting these discrepancies promptly.
Customer Answer
Date: 11/28/2023
No I am not using a 3rd party it is me submitting the complaint. Thank you.
Business Response
Date: 11/29/2023
EQUIFAX

11/29/2023

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

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

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

Thank you for submitting ******************** complaint on 11/23/2023 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:11/27/2023
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 spoke with Equifax on 11/21 and 11/22 about FRAUDULENT, unauthorized, unverified, unrecognized, illegitimate, improperly reported hard inquiries on my credit report which were from: ******* CREDIT UNION CREDIT TECHNOLOGIES *********** I filed disputes with the representative from 11/21 and she said that the derogatory marks should be removed off my credit report, BUT THEY WERE NOT.I do NOT have any open accounts with any of these companies, nor do I recognize having any history with them, nor did I authorize any of them to pull my Equifax credit report. I have spoken to each of the creditors as well and they cannot find anything that ties to me either.The only account I DO indeed authorize, verify, and recognize and remember on my is TRUIST DEALER SERVICES. But the other ones I do not know how they got there, so they must be removed as it is harming my life and ability to apply for credit. I had opened disputes regarding this matter already because I am concerned about identity theft which Equifax falsely and inappropriately marked it as factual, when they are NOT FACTUAL. THESE INQUIRIES ARE NOT ACCURATE. My gentleman at Equifax assured me and said that they "WILL REMOVE the inquiries" after I send in CFPB/FTC/BBB reports. I will not stop until Equifax removes these derogatory and fraudulent hard inquiries. They are severely impacting my life negatively.
Customer Answer
Date: 11/27/2023
I confirm I am reporting Equifax for continuing to keep fraudulent, false, inaccurate hard inquiries on my credit report.
Business Response
Date: 11/28/2023
EQUIFAX

11/28/2023

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

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

Dear *****************************,
Thank you for submitting *************************** complaint on 11/22/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on your 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
* 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,

Sr. Consumer Relations Specialist
Customer Answer
Date: 11/29/2023

Complaint: 20908098

I am rejecting this response because:
I have already, multiple times given my private information to Equifax. Also, I have mailed them a copy of my driver's license and SSN. There is no excuse that they do not have my information. I have also filed an identity theft report because I feel my identity has been compromised over these last few months because of
According to the Fair Credit Reporting Act, where I quote 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 the date of receipt by such agency of
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information
relating to any transaction by the consumer."
I will attach my FTC Identity Theft report here. Thank you.

Sincerely,

*************************
Business Response
Date: 11/30/2023
EQUIFAX

11/30/2023

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

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

Dear *****************************,
Thank you for submitting *************************** complaint on 11/22/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on your 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
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)
It is not mandatory to provide the requested information. However without it, we will not be able to assist the consumer with their concerns.

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,

Sr. Consumer Relations Specialist
Customer Answer
Date: 11/30/2023

Complaint: 20908098

I am rejecting this response because:
You already have all my information. I'm concerned of having to give out my private details to the very company responsible for illegitimately furnishing my credit report over and over, who refuses to offer a genuine solution.
I have attached my driver's license.

Sincerely,

*************************
Initial Complaint
Date:11/27/2023
Type:Order 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.
************** has broken several fcra Laws And Has Been Asked To Be Deleted From Credit ********************** has been sending me letters contacting me and contacting my credit report which is ILLEGAL I have Documentation of The **** laws that have been broken Please Remove This Account Or Legal Action Will Be Taken !!! I Have Documentation That You Are Refusing to Remove this account after these violations documentation provided
Customer Answer
Date: 11/27/2023
There is No Third party Writing This Complaint This Is All The Consumer (me)
Business Response
Date: 11/28/2023
EQUIFAX

11/28/2023

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

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

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

Thank you for submitting Anikaa Beverlys complaint on 11/22/2023 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
Customer Answer
Date: 11/28/2023

Complaint: 20908188

I am rejecting this response because: I have Already Had This Account Investigated And Your Company stated It Was Verified Im Not Asking For Verification And Updated Information Im Asking For Removal Of This Account Due To Laws That Have Been Broken Due To Them Communicating Improperly With Me and Having no Right To Put This On My Credit Report , The Fcra Laws That They Have Broken Are Grounds For Removal there is nothing that needs to be updated !!!!!!! Please remove

Sincerely,

*********************
Business Response
Date: 11/29/2023
EQUIFAX

11/29/2023

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

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

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

Thank you for submitting Anikaa Beverlys complaint on 11/22/2023 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. Please allow 30 days for the investigation to be completed.
In reference to the concern regarding the investigation process: Upon receipt of the dispute, we first review and consider any relevant information submitted regarding the nature of the dispute. Often, Equifax will then transmit the dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of the dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to the credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing the dispute(s) is shown under the 'Results of the investigation' section on the cover letter that accompanies the copy of the revised credit file.
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
Customer Answer
Date: 11/30/2023

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:11/27/2023
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.
1. Exeter finance, account number *******. 2. NCB management ********************, account number *******. 3. *********************** account number ****************. 4. Firstpoint collection resources **** account number ****** According to the Fair ********************** Reporting Act you have to receive written permission from me the consumer to furnish/report any information of mines I didnt give written permission nor verbal permission to these companies which is a direct violation of 15 U.S. Code ****b, violation to 15 U.S code **** (4) because I have a right to privacy also these companies violated 15 U.S code **** (b-1) they aren't allowed to disclose any information to any third parties without informing me the consumer in writing and they have to give me the option to opt out which they haven't. Unfortunately these companies is in violation of about 5 codes. I also requested these companies to cease & desist all contact with me but they didn't which is a violation to 15 US code **** (C-A). I've requested these companies to send me signed contracts of me permitting them to furnish my private information and they didn't, Ive requested the credit bureaus to investigate these accounts and acknowledge the consumer law violations and to delete these accounts but they didnt. Ive sent these companies consumer law letters as well. These accounts are now under litigation. I demanded these companies to cease and desist all communication with me so Equifax needs to acknowledge the consumer laws and delete these accounts
Customer Answer
Date: 11/27/2023
No I submitted my own complaint (*********************************) I didnt give any 3rd party a permit to submit anything on my behalf, I may have used same wording but its because those are the laws that was violated so obviously I use same laws and wording
Business Response
Date: 11/30/2023

EQUIFAX
11/30/2023

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

RE: *********************************, Case # ********
Dear *****************************:
Thank you for submitting ******** Fergusons complaint on 11/23/2023 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.
Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. Not all companies choose to report account ********************** to Equifax. Those that do report on a regular basis appear on the credit report. However, through our investigation process, we are able to contact the furnishers of the information and either confirm or correct the data reporting on the file. Once a request for verification of a disputed item(s) has been received by Equifax, each data furnisher will be contacted directly by Equifax. This process is usually accomplished by sending the request for verification electronically and may take 30 days to complete. Once the data furnisher's response is returned to Equifax, any updates related to the disputed item(s) will be recorded on the credit report. Once all Data furnishers have responded to our request for their review, the consumer is sent a copy of each of the Data Furnishers responses they provided to Equifax. Should you still disagree with the Data Furnishers response, please contact each creditor directly for additional assistance and/or regarding any signed documentation pertaining to the disputed item(s).
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
Customer Answer
Date: 12/06/2023

Complaint: 20908603

I am rejecting this response because these account are still being reported to my credit profile pass the statute of limitation this company has had over 45 days to update or delete these accounts from my equifax report since Ive mailed in dispute. Please delete these accounts from my equifax

Sincerely,

*********************************
Business Response
Date: 12/08/2023
EQUIFAX
12/08/2023

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

RE: *********************************, Case # ********
Dear *****************************:
Thank you for submitting ******** Fergusons complaint on 11/23/2023 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. Please allow 30 days for the investigation to be completed.
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
Customer Answer
Date: 12/08/2023

Complaint: 20908603

I am rejecting this response because: these fraudulent accounts are still being reported to my credit profile and they had more than 31 days to investigate which is another violation according to the FCRA

Sincerely,

*********************************
Initial Complaint
Date:11/27/2023
Type:Service or Repair 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.
I have various issues with my Equifax credit report. I have filed the following complaints on the respective data, on the Equifax portal:A515494326 - 15th Sep A517307377 - 18th Sep A518847640 - 20th Sep A519115151 - 20th Sep A526741052 - 29th Sep A553512113 - 2nd Nov A554824991 - 4th Nov A571263460 - 22nd Nov By means of the above disputes, I tried to solve various issues with my Equifax problem. I have spent 40+ Hrs of my precious time over the past few months, talking to Equifax customer ********************. I have called them almost daily for 2 + months. Every time a new customer representative picks up the call and asks the whole details from top to bottom and does absolutely nothing other than saying that I would have to wait. Several times, they lied to my face on the phone calls regarding the correction of my profile and when I checked the same on their portal, I got no correction.They even sent me an email, confirming that my ticket is resolved and my profile is corrected, however, the portal still shows incorrect data with additional mortgage, and car loans which doesnt belong to me. They have also incorrectly mentioned on their portal that I have gone through a name change process, which is totally wrong.Please note that I am in the process of obtaining my first home mortgage and ******* is not issuing me the same due to this Equifax profile issue. I have lost multiple house bids on account of the same and have incurred financial loss. I am going with other banks and they are quoting me higher interest rates for my home now.I am actually going through a really hard time here and the issue is taking a toll on my mental health.
Customer Answer
Date: 11/27/2023
Hello,
I would like to clarify that I have not authorized **** their party to represent my case to BBB. I am not aware of anyone else filing the same complain on behalf of me.
Business Response
Date: 12/06/2023
CONSUMER INFORMATION SOLUTIONS
Equifax ****** Co.
PO Box 190
******** ** H1S 2Z2

December 6th, 2023

***** ******************************* Via email: *********************
******************************************* 0X5
Re: File #********
Dear ****************,
We acknowledge receipt of your Better Business Bureau complaint.
After reviewing the tickets you submitted, please note that your credit file has been updated
accordingly.
Your personal information reflects only your identity.
The accounts you previously mentioned in the tickets you submitted were verified and removed
as these were confirmed not belonging to you, as well as the inquiries.
The accounts that are now reporting on your file are ************ CIBC **** and Fido.
As part of Equifax Canadas ongoing commitment to providing the most advanced technology,
we have transitioned to the Equifax Cloud
TM
, a cloud-based system that provides the most
up-to-date and complete data for consumer credit reports and scores. It also has important
critical enhancements to protect and serve consumers better and is fully scalable.
We are aware of a synchronization issue resulting from the migration of consumer data from our
legacy data exchange to our new cloud-based platform. As a result, some consumers are
reporting inaccurate data appearing on their credit file.
To resolve this issue permanently, we will be performing a resynchronization of data into the
new Cloud platform.

In the interim, we are working to promptly correct any synchronization issues reported to us
through the consumer dispute process. We treat all consumer disputes with care and ensure
that they are investigated and resolved in accordance with applicable law.
Trusting this is to your satisfaction.
Regards,
****
Equifax ******
National Consumer Relations
Cc BBB, ******* **
Customer Answer
Date: 12/07/2023

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:11/27/2023
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'm writing because I'm really dissatisfied with how my credit dispute case has been dealt with lately. I found inaccurate information on how my closed Santander account and the ************************* account were reported. There are errors in the reports that need to be removed right away. SANTANDER CONSUMER *** Account Number: ***************** I recently initiated a dispute regarding my closed Santander account, which was paid in full. To my dismay, not only was the dispute unresolved but two additional late payments were erroneously added to this account after the dispute resolution. This is illegal, especially considering that the Santander account in question is closed and has been settled in full. I request an immediate removal of this account from my ********************** report. ***** ******* F C U Account Number: *********** I have previously disputed a late payment on my ************************* account for the month of June 2023, which was previously removed from my credit report following a complaint filed with the Better Business Bureau (BBB). Unfortunately, the late payment has reappeared in a different month; May 2023. ****'s ******* falsely settled the previous BBB complaint and removed the late payment only to go back after the case was resolved with the BBB and put the erroneous late payment on my credit report again. For your reference, the previous BBB case # was ********. I find this recurrence deeply troubling and question the integrity of the credit reporting process. I demand your office to conduct a thorough investigation into the ****'s ******* account inaccurate ********************** and take the necessary steps to fix this issue immediately. And update this erroneous late payment to current.
Customer Answer
Date: 11/27/2023
I want to confirm that no third party wrote the complaint submitted on 11/22/2023 against Equifax, Inc. (ID: *********.
I, *************************, am the sole author of the complaint.
I urge you to take immediate action to resolve the issue outlined in my complaint. Your prompt attention to this matter is crucial.

Thank you.
************************;
Business Response
Date: 11/28/2023
EQUIFAX

11/28/2023

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

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

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

Thank you for submitting ****** Andelas complaint on 11/22/2023 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.
In reference to the concern regarding the investigation process: Upon receipt of the dispute, we first review and consider any relevant information submitted regarding the nature of the dispute. Often, Equifax will then transmit the dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of the dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to the credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing the dispute(s) is shown under the 'Results of the investigation' section on the cover letter that accompanies the copy of the revised credit file.
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
Customer Answer
Date: 11/28/2023

Complaint: 20906479

I am rejecting this response because:
My complaint cannot be closed due to the fact that the issue has not been resolved yet. I went ahead and uploaded document that proves my claims. Please review the documents.

**Regarding ***********************:**

The evidence clearly demonstrates unjust actions by ***********************, marking my account with an unwarranted late payment despite its accurate current status in June. After a BBB complaint was filed they update my account back to current. Once the BBB complaint was closed they went back and later marked my account late for the month of May 2023. Despite a prior complaint leading to a correction, the recurrence of this issue indicates a persistent problem. The lack of integrity and violations of consumer rights is concerning. And ************************* is violating the FCRA.

I kindly request your intervention to prompt a more comprehensive review of my case. Specifically, I seek resolution by having my account status updated back to "current" for the month of May, correcting the unjust late payment marking that was corrected by ************************* but they later went back and changed it again. They cannot play with my credit report as they please!

The inaccuracies in my credit report are adversely affecting my financial standing, and I trust that your intervention will lead to a fair and prompt resolution.

**Resolution Requested:**
1. Update *********************** account status to "current" for **** The updates should be reflected on Experian, Equifax, and TransUnion

I uploaded documents proving my claims. Please see attached.

Sincerely,

*************************
Business Response
Date: 11/29/2023
EQUIFAX

11/29/2023

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

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

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

Thank you for submitting ****** Andelas complaint on 11/22/2023 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. Please allow 30 days for the investigation to be completed.
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

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