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

7,127 total complaints in the last 3 years.
3,465 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:10/31/2023
Type:Sales and Advertising 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.
Here is the fraudulent inquiry which does not belong to me.Inquiry name: COMENITYCAPITAL/LXVI Inquiry date: Jun 15, 2022
Customer Answer
Date: 11/01/2023
I made a complaint by myself and third party was not involved.
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting ********************** complaint on 10/31/2023 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:10/31/2023
Type:Service or Repair 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 applied for an apartment through leasing desk and was told that I had an account closed on my ********************** which was included in the decision of me getting declined. I called equifax multiple times which told me that it was inaccurate informations. I completed a dispute with the company which responded with info from equifax stating the account is closed which it is not. I would like to be called by corporate to see whats going on and why an account is being reported close but I have never been late on the account and its accurate and up to date I dont know what to do
Customer Answer
Date: 11/01/2023
The complaint was from me not a third party and I dont have another complaint with the same wording
Business Response
Date: 11/03/2023
EQUIFAX

11/03/2023

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

RE: ***************************, Complaint # ********

Dear *****************************,
Thank you for submitting ********************** complaint on 10/30/23 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their 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: 11/08/2023

Complaint: 20801860

I am rejecting this response because: Im still waiting on results attachments requested has been attached to this rejection

Sincerely,

***************************
Business Response
Date: 11/08/2023
EQUIFAX

11/08/2023

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

RE: ***************************, Complaint # ********

Dear *****************************,
Thank you for submitting ********************** complaint on 10/30/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their 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

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: 11/15/2023

Complaint: 20801860

I am rejecting this response because: I dont feel comfortable posting my ssn on here can you have someone reach out to me directly or send me a email to send it to or other options please

Sincerely,

***************************
Initial Complaint
Date:10/31/2023
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.
Equifax has reported several charge offs on my credit report. According to the *** you must report the charge off amount on your tax return. The *** define a charge off as gross or ordinary income. income does not get reported on the consumer report, which in fact makes the reporting of these charge offs inaccurate. According to 15 U.S.C. 1681s-2(a)(1)(a) it is the duty of furnishers of information to provide ACCURATE information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Customer Answer
Date: 10/31/2023
No all the complaints were submitted by me. No third party is involved. The wording and documentation sent in for proof are all the same because they all pertain to all 3 credit bureaus TransUnion Equifax and experian all for charge off and the law thats makes them inaccurate is 15 U.S.C. **** pertaining to charge offs that all 3 are reporting
Business Response
Date: 11/02/2023

EQUIFAX

11/2/2023

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

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

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

Thank you for submitting ************** complaint on 10/30/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.

Unfortunately, we are unable to initiate our investigation of the consumers concerns because additional information is required. In order to better assist with the consumers concerns, please have the consumer provide the account names, account numbers, specific concerns and items pertinent to his/her complaint or dispute.

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: 11/04/2023

Complaint: 20801396

I am rejecting this response because: I can provide the specific details of the accounts
AVANT ******x date opened July 28 2021
balance $4,344

******* ******xx Date opener December 20 2016
balance $1,505

DISCOVER 601100xxxxx date opened March 4 2016
balance $1,294

These are the 3 accounts which are being inaccurately reported on my consumer report by you. Like stated in previous complaints the irs defines charge off as income and income is not to be reported on a consumer credit report. Again according to U.S.C. ****s 2(a)(1)(a) a person shall not furnish any information relating to a consumer to any reporting agencies if the person knows or has reasonable cause to believe that the information is correct. I believe this information is inaccurate and want these accounts removed, my income is not apart of my consumer report and seeing that the company charged it off I have to report this as gross income on my tax return

Sincerely,

******* *****
Business Response
Date: 11/06/2023
EQUIFAX

11/06/2023

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

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

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

Thank you for submitting ************** complaint on 10/30/2023 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: 11/06/2023

Complaint: 20801396

I am rejecting this response because: my complaint is to equifax,. Equifax is the company who is FURNISHING my information inaccurately, equifax did not try to verify any of the information before they took it upon themselves to report this negative and inaccurate information on me which is also a defamation of character. Never was I contacted to see if the information was correct and because of it I cant purchase a home for my daughter get small loans credit cards or anything. Im not asking you to do your job now and verify anything thats on my report because the damage is already done. Im giving equifax the opportunity to handle this without going to arbitration. Im not seeking monetary compensation for defamation of character or the stress and depression this had caused, but I will proceed if you knowingly continue to not properly address the situation

Sincerely,

******* *****
Initial Complaint
Date:10/30/2023
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.
Here the fraudulent accounts which appear on my credit report, and it does not belong to me.Account name: ********************** SUBS DBA GROWAccount number: GCL166XXXXXXXXXX Date opened: 11/06/2022
Customer Answer
Date: 11/01/2023
This complaint was filed by me and no one helped me.
Business Response
Date: 11/03/2023
EQUIFAX

11/03/2023

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

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

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

Thank you for submitting ************* complaint on 10/30/2023 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:10/30/2023
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.
Equifax is very unprofessional on not providing me the proof of records for an account thats currently reporting on my credit report by this Credit bureau. *** submitted my proof of letter asking for the proof of record of an account I have no knowledge of. Ive submitted this letter September 29,2023 and its been past 30 days and I havent received a response back from this credit bureau. I called today 10/30/23 only to be advised that they dont want to remove an account because they stated they spoke with this grantor via through email only and was advised its my account. ********************** has not sent me any type of proof of record and are refusing to do so and also not wanting to remove the account from my ********************** report. Me as a consumer have every right under FCRA to dispute any inaccurate information reporting on my credit report. A copy of my credit report is NOT proof of record its just a paper with my own personal information and whats reporting on my credit report. I want proof of any signed documents from this grantor/creditor Account number: **************
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting Genesis ******* complaint on 10/30/2023 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.
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: 11/03/2023

Complaint: 20800769

I am rejecting this response because: there is no proof of validating documents that connect me to this account they are falsely accusing me of nor did this company submit any proof so as I stated before they are falsely reporting an unauthorized account on my ********************** report and would like it removed unless they can actually show supporting and or validating documents.

Sincerely,

**********************

Business Response
Date: 11/06/2023
EQUIFAX

11/06/2023

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

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

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

Thank you for submitting Genesis ******* complaint on 10/30/2023 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.
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
Initial Complaint
Date:10/30/2023
Type:Product 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 disputed a late payment on my **************** credit union loan account for the month of May 2023 NOT June 2023. Days later, I noticed a late payment for my **************** credit union car loan for for the month of June 2023 (4 months later). I was never late on my payment for the month of June 2023 and attached is a copy of my Equifax credit report reflecting the payment for the month of June 2023 was paid on time.
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting Autumn Browns complaint on 10/30/2023 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:10/30/2023
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.
I am not Longer Liable for this NCA SPEEDY CASH DEBT and it is Still being reported on my credit report. NCA SPEEDY CASH has agreed to remove it from all credit bureaus. I have attached a proof letter.
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting Steviana Taylors complaint on 10/30/2023 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: 11/06/2023

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:10/30/2023
Type:Service or Repair 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 unable to access my account. I do not have a phone number to enter. I do not have or maintain a personal phone number. I do not call or receive calls. I am rendered unable to access my account. I had no problems accessing my account until today October 29, 2023. I cannot be denied access and privileges to my own account. I cannot be forced to use and maintain a phone and have a phone number and I cannot be forced to violate and/or breach my privacy by use of an interpreter. Using the phone in any manner is not an option.
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting ********************************** complaint on 10/29/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEquifax.com. Please see below resolution response:
Dear *****************************,

We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved.

Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the "Need Help Signing In" link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at ************ between 8:00 am 12:00 am, 7 days per week.

We sincerely apologize for any inconvenience this issue may have caused.

Thank you for contacting Equifax,

Equifax Consumer Care Team

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: 11/03/2023

Complaint: 20797679

I am rejecting this response because: I see this when trying to login
Please give us a call
We can't complete your request at this time.
Please call the ************* team
**************************** ***************)

Sincerely,

***********************************
Business Response
Date: 11/06/2023
EQUIFAX
11/06/2023

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

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

Dear *****************************:
Thank you for submitting ********************************** complaint on 10/29/2023 through the BBB Complaint Portal. In their complaint, they indicated issues with MyEquifax.com. Please see below resolution response:
Dear *****************************,
We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website MyEquifax is not available to you without a valid phone number. There are alternative methods to place a security freeze or fraud alert that are recommended for you including sending your request by mail or by phone:
Mail this form to place a security freeze: ******************************************************************************************
Mail this form to place a fraud alert: **************************************************************************************
Call the Consumer Care team by phone at ************ between 8:00 am 12 am, 7 days per week.
We sincerely apologize for any inconvenience this issue may have caused.
Thank you for contacting Equifax,
Equifax Consumer Care Team
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: 11/06/2023

Complaint: 20797679

I am rejecting this response because: I was told the issue was fixed and it was not. *********** did not even bother to check out the issue I was having. *********** continually tells me to call. I do not have a phone. I will not be calling. I will not be using an interpreter or otherwise violating my own personally privacy to access an account that is not and does not contain any accurate information. I do not have a phone number to list or any message or contact number. There should already be a freeze on the account. I do not consent to any use of my personal data (set). I revoke any consents and any liberties taken. I express no marketing, tracking, retention and/or storage of my personal information and data set. Personally identifiable or not you do not have permission to use. Telling me to write in is futile my written and expressed requests have not been honored, I filed a complaint that proved that my issues were not even addressed. AND now back to the beginning of this process because nothing has been accomplished.

Sincerely,

***********************************
Initial Complaint
Date:10/30/2023
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.
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that the Credit **************** didn't make sure was reporting 100% correct.In accordance with the Fair Credit Reporting Act, everything has to be 100% accurate on my credit report and Under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) these accounts are in violation of not reporting 100% accurate.ACCOUNT NAME: SELFINC/LEAD ACCOUNT NUMBER: ********************ACCOUNT NAME: SELF/LEAD ACCOUNT ***************************
Customer Answer
Date: 10/30/2023
I did not authorize a third party company to submit a BBB complaint on my behalf. I submitted this complaint myself on my behalf without the use of a third party. Sincerely, ***************************
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting Shadiamon Franklins complaint on 10/29/2023 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: 11/05/2023

Complaint: 20797624

I am rejecting this response because the investigation has completed and there are still several inaccuracies on my reporting on my credit report. In accordance with the Fair Credit Reporting Act, everything has to be 100% accurate on my credit report and Under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) these accounts are in violation of not reporting 100% accurate.
I also have not received any communication or updates on the disputed accounts. These two negative and inaccurate accounts are damaging my credit score and defaming my character. After several attempts with Equifax, I've decided to move these accounts to litigation.

Sincerely,

**************************
Business Response
Date: 11/07/2023
EQUIFAX

11/07/2023

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

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

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

Thank you for submitting Shadiamon Franklins complaint on 10/29/2023 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 via ***** Please allow 7 to 10 business days to receive the results.
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: 11/08/2023

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:10/30/2023
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 have repeatedly submitted dispute requests regarding my credit report and have only received stall letters in response. This appears to be in violation of the Fair Credit Reporting Act (FCRA) guidelines. I urge immediate attention and resolution to my concerns, in compliance with FCRA regulations.correct the student loans from negative to positive, because I'm currently in school, its reporting inaccurately and delete the other negative accounts. Sincerely,
Customer Answer
Date: 10/30/2023
I **************************; is the one who has filed and authorized this complaint.
I have attached my Identification for proof
Business Response
Date: 11/02/2023
EQUIFAX

11/2/2023

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

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

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

Thank you for submitting ******************* complaint on 10/29/2023 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

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