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:10/25/2023
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.
************************* *********************************************** 08/26/1992 xxx-xx-**** Experian, Tranunion, Equifax Date 10/19/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT ***************** Star Card Account Number- **************** Open 11/23/2023 Amount- $1200 Navy Federal Credit Union Account Number- ****** Open- -7/01/2018 Amount- $17,908 BMOHarrisBank Account Number- **************** Open- 07/19/2018 Amount- $3,924 AMEX Account Number- **************** Open- 07/19/2018 Amount- $2,888 Freedom Mortgage Account Number- ******** Open- 08/01/2018 Amount- $290,000 Foreclosure BRCLYSBankde Account Number- *************** Open- 08/01/2018 Amount- $15,000 Target/TD Account Number- **************** Open- 08/01/2018 Amount- $341 *********** Account Number- ************ Open 08/01/2018 Amount- $61,931 Navy Federal Credit Union Account Number- ******* Open- 07/01/2012 Amount- $19,771 PNC Bank Account Number- **************** Open- 08/06/2018 Amount- $12,681 Late Payments ***** Fargo Account Number- ************ Open 09/08/2018 Amount- $1,167 USAA *********** Account Number- *************** Open 07/16/2018 Amount- $12,577 Dear Experian, Transunion, Equifax You are reporting Unverifiable inaccurate ,incorrect information on my Experian, Transunion, Equifax credit report. The reporting of such information has created severe damage to my character, my reputation, and general mode of living and my ability to obtain credit for personal and housing purposes. You and your in accurate reporting have damaged my livelihood. In conformance to my rights under the Fair Debt Collection Practices Act (FDCPA), I am requesting you to provide me with a validation of the debt you are reporting on my credit profile. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (15 USC ****g Sec. 809 (b)). 15 U.S. Code ****g - Validation of debts. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt under the **** and FDCPA regulations. Please provide me with the following: Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state; and Your license numbers and Registered Agent Contract With My Two Wet Signatures Promissory Note Validating The Debt Belongs To Me If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Customer Answer
Date: 11/07/2023
Hello,
*************** to this email. I made multiple complaints I just the same template for each one. I am not using a third party system. Can BBB please forward this complaint to Equifax?
I look forward to hearing from you soon.
Thank you
Business Response
Date: 11/08/2023
EQUIFAX
11/08/2023

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

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

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

Thank you for submitting ************************* complaint on 10/24/2023 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.
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: 11/08/2023

Complaint: 20775765

I am rejecting this response because:
equifax has failed to give me the promissory note

Sincerely,

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

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

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

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

Thank you for submitting ************************* complaint on 10/24/2023 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. Please allow 30 days for the investigation to be completed.
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:10/25/2023
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 filed a complaint against with debt collector with the ***** The complaint ID number is ***************. It has been over *************************************************** violation of the Fair Debt Collections Practices Act. Please see this complaint for evidence of these violations.I demand Equifax delete these invalidated allege debts from my credit report or I will also hold them liable for non-compliance.
Customer Answer
Date: 10/25/2023
This is not a third party. I am sending this complaint for myself. If you need to speak with me call me at ************.
Business Response
Date: 10/26/2023
EQUIFAX

10/26/2023

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

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

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

Thank you for submitting ******** Yerapothinas complaint on 10/24/2023 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.
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: 10/30/2023

Complaint: 20773694

I am rejecting this response because: they did not mention they would remove the inaccurate information from my credit report.

Sincerely,

******** Yerapothina
Business Response
Date: 10/31/2023
EQUIFAX

10/31/2023

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

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

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

Thank you for submitting ******** Yerapothinas complaint on 10/24/2023 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. 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
Initial Complaint
Date:10/24/2023
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 continues to allow credit card company (Discover). To falsely and fraudulently report a balance. This balance has been resolved. (Zero balance.) (cancellation of debit.) via 1099C tax form. Year 2020.I sent Equifax a cease-and-desist in November 2021. Equifax did correct the issue. Just recently in late September 2023 they allow them to resubmit the false and fraudulent balance again. *** disputed this issue 7 times and sent a second cease-and-desist letter. At this time there has been no resolution to this matter.
Business Response
Date: 10/25/2023
EQUIFAX

10/25/2023

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

RE: Almumeet Alaakhir, Complaint #

Dear *****************************,
Thank you for submitting Almumeet Alaakhirs complaint on 10/23/2023 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
* 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: 10/25/2023
********* Gas Bill as requested.

Business Response
Date: 10/26/2023
EQUIFAX

10/26/2023

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

RE: Almumeet Alaakhir, Complaint #

Dear *****************************,
Thank you for submitting Almumeet Alaakhirs complaint on 10/23/2023 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please advise the consumer that there were no attachments uploaded to the BBB portal.
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: 10/27/2023
Utility bill attached to response as requested.
Please forward to Equifax
Thank you
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

RE: Almumeet Alaakhir, Case # ********

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

Thank you for submitting Almumeet Alaakhirs complaint on 10/23/2023 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 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
Customer Answer
Date: 11/03/2023

Complaint: 20773477

I am rejecting this response because:
Your investigation has yielded the same result.
Nothing has changed.
Equifax continues to allow creditor (Discover) to falsely and fraudulently report incorrect information on my credit report. Even after submitting 7 disputes, proof such as Federal Tax documents, and supporting letters to correct this issue.
Equifax, has corrected this issue in Oct of 2021.
Now 2 years later this error has re appeared on my report. None of your organizational processes or persons has been helpful in resolving this simple issue!
At this time your organization is knowingly aiding fraudulent behavior and committing Fraud!

Sincerely,

Almumeet Alaakhir
Business Response
Date: 11/06/2023
EQUIFAX

11/06/2023

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

RE: Almumeet Alaakhir, Case # ********

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

Thank you for submitting Almumeet Alaakhirs complaint on 10/23/2023 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 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
Customer Answer
Date: 11/06/2023

Complaint: 20773477

I am rejecting this response because:
I am rejecting this response because:
Your investigation has yielded the same result.
Nothing has changed.

Equifax continues to allow creditor (Discover) to falsely and fraudulently report incorrect information on my credit report. Even after submitting 7 disputes, proof such as Federal Tax documents, and supporting letters to correct this issue.
Equifax, has corrected this issue in Oct of 2021.
Now 2 years later this error has re appeared on my report. None of your organizational processes or persons has been helpful in resolving this simple issue!
At this time your organization is knowingly aiding fraudulent behavior and committing Fraud!

Sincerely,

Almumeet Alaakhir
Initial Complaint
Date:10/24/2023
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.
Improper use of my credit report Identity theft- Unauthorized inquiries Equifax is in violation of 15 U.S. Code ****b - Permissible purposes of consumer reports
Customer Answer
Date: 10/24/2023
I am NOT working with a 3rd party agency or credit repair agency. I am disputing the inaccurate information on my own behalf against Equifax. Why do you think my dispute comes from a 3rd party company? I am disputing my information with Equifax as they are reporting unauthorized information on my credit report that I demand to be removed. I also provided a copy of the *** report reporting the identity theft. They are not responding to my written letter, and it's been over 30 days, so I am filing this BBB complaint in hopes for an appropriate resolution. Equifax has maintained my credit report improperly and I have Unauthorized inquiries. Equifax is in violation of 15 U.S. Code ****b - Permissible purposes of consumer report. What part of this states that I am using a credit reporting agency. I'm stating that Equifax is violating my rights and consumer laws.
Business Response
Date: 10/26/2023
EQUIFAX

10/26/2023

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

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

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

Thank you for submitting *************************** complaint on 10/23/2023 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 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:10/24/2023
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 reporting inaccurate information on my credit report.I want this account removed
Customer Answer
Date: 10/25/2023
I did not authorize a third party to file on my behalf. I actually filed a week ago but never received an email letting me know that anything was submitted.
I filed again on October 23, 2023 and received a submitted email.
I have two email addresses ********************* and *************************
Business Response
Date: 10/27/2023
EQUIFAX

10/27/2023

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

RE: Kenyarn Hyde, Case # ********

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

Thank you for submitting Kenyarn Hydes complaint on 10/23/2023 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 of the information was completed. The results were sent 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: 10/28/2023

Complaint: 20772805

I am rejecting this response because:
I need to see verification, documentation and contract between LVNV that this is my debt.
I would like to see verification how Equifax verified this debt.
I enclosed documents from Experian that they removed this debt due to it was unverifiable so how did Equifax verify this debt accurately.

Sincerely,

Kenyarn Hyde
Business Response
Date: 10/30/2023
EQUIFAX

10/30/2023

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

RE: Kenyarn Hyde, Case # ********

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

Thank you for submitting Kenyarn Hydes complaint on 10/23/2023 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 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: 10/30/2023

Complaint: 20772805

I am rejecting this response because: I am Kenyarn Hyde who is responding to the email messages. I have been trying to resolve this issue with Equifax For some time. I sent numerous letters advising them to please do a complete and accurate investigation in this matter and i never believed that they have done so. I truly understand that youre here to resolve disputes between both parties but this is inaccurate reporting on my credit report and must be taken care of.
1681 a2 1681b
An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(3)
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
(4)
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
(b)Reasonable procedures
It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Sincerely,

Kenyarn Hyde
Initial Complaint
Date:10/24/2023
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 am a victim of identity theft. I have never authorized this company to approve or view my credit report. This fraudulent account should be removed immediately. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. This complaint has been submitted by me, ******** *************************.
Customer Answer
Date: 10/31/2023
Hi, My name is ******** *************************. I am writing to you regarding a complaint that I have submitted recently. I received an email from BBB asking if I have authorized any third party to submit a complaint under my name. The only person who has submitted a complaint it's me, ******** *************************. I have never authorized any third party to submit this complaint under my name.
Business Response
Date: 11/02/2023
EQUIFAX

11/02/2023

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

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

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

Thank you for submitting ******************************* complaint on 10/23/2023 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:10/24/2023
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 now tried multiple times to have Equifaxinvestigate this account, and they failed every time to provide with a reasonable response to my disputes. I have asked them to send a method of verification to me, and they have failed to do so. This is my right under the ***** I demand that this account be updated to paid as agreed or deleted from my credit report as it is reporting completely inaccurately. Also, please provide documentation of my signature approving the reporting of this account.Account: FOURSIGHT CAPITAL LLC (273), date opened 10/2018
Business Response
Date: 10/25/2023
EQUIFAX
10/25/2023

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

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

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

Thank you for submitting ****************** complaint on 10/25/2023 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: 10/25/2023

Complaint: 20772739

I am rejecting this response because Equifax has failed to acknowledge my rights under the ***** It clearly states that I have the right to a fair and complete, accurate dispute process, that will yield results and provide me with the information I seek. That is the credit bureaus' obligation to me as a consumer. Additionally, FCRA states that "A consumer reporting agency shall provide to a consumer in writing...

a notice that, if requested by the consumer, a description
of the procedure used to determine the accuracy and
completeness of the information shall be provided to the
consumer by the agency, including the business name and
address of any furnisher of information contacted in
connection with such information and the telephone
number of such furnisher""

These are my rights under the law. IF YOU FAIL TO RECOGNIZE MY RIGHTS AND PROVIDE THE INFORMATION REQUESTED YOU WILL BE MET WITH THE FULL POWER OF THE LAW.

Sincerely,

***********************
Business Response
Date: 10/26/2023
EQUIFAX
10/2/2023

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

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

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

Thank you for submitting ****************** complaint on 10/25/2023 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: 10/27/2023

Complaint: 20772739

I am rejecting this response because it fails to address my problem with this account.

Sincerely,

***********************
Initial Complaint
Date:10/24/2023
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 noticed two inquiries in September 2023 that I never authorized. I contacted the financial institution and they said that they have no information that i authorized the inquiries and that I should report it as a possible identity theft and dispute with Equifax. I subsequently filed an *** identity theft report and submitted together with my drivers license and social security card to **********************. However, I was informed that the *** Report was deemed not valid. This is totally inaccurate since it came from the ***.
Business Response
Date: 10/25/2023
EQUIFAX

10/25/2023

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

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

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

Thank you for submitting *********************************** complaint on 10/23/2023 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 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
Customer Answer
Date: 10/26/2023

Complaint: 20772736

I am rejecting this response because: They have failed to accept a legitimate government document and I strongly believe it is all geared as a stalling tactic on their behalf. I have submitted all the relevant documentation that I was asked to submit as part of my dispute for unauthorized inquiries and they willfully refuses to investigate and delete the inquiries.

Sincerely,

*********************************
Business Response
Date: 10/26/2023
EQUIFAX

10/26/2023

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

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

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

Thank you for submitting *********************************** complaint on 10/23/2023 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 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: 10/27/2023

Complaint: 20772736

I am rejecting this response because: This is totally unacceptable and I believe that this is just a generic response to the dispute that I provided. I have submitted all the necessary documentation to prove that I did not authorize this inquiries and Equifax has demonstrated a reckless unwillingness by not accepting the documentation and conducting a thorough investigation.

Sincerely,

*********************************
Initial Complaint
Date:10/24/2023
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.
Oct.23, 2023, continuing the cat-and-mouse game with Equifax regarding an extended fraud alert and final credit report for my late husband, whose death certificate I have sent the company more than once, to more than one P.O. Box in *******. Received three responses from them today, saying they have no credit report - though their competitors have not had a problem. I called the phone number they provided and waited one hour before choosing a callback. The robot called back but then just played music for 45 minutes - one presumes this is so they can claim they TRIED to return my call. My husband has suffered several identity theft attempts including after he died, and I sent Equifax the police report and a recent credit card application attempt. There is IMHO no excuse for this company pretending they dont have either enough info as I sent them the death certs and my ID copy or a ********************** report - as he had received reports from them previously. Not sending supportive documentation because they already have it.
Business Response
Date: 10/25/2023
EQUIFAX
10/25/2023
*****************************
Better Business Bureau

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

Dear *****************************:
Thank you for submitting *********************************** complaint on 10/23/2023 through the BBB Complaint Portal. In their complaint, they indicated that they are requesting their deceased husband's credit file.
One of our most important responsibilities is protecting your personal information. Before we are able to assist you with the Equifax credit file we have to verify your identity and address. So that we can process your request and verify your identity, please send a minimum of one item from each category list below:
Deceased Person Information Required:
*Legal Name,
*Social Security number (SSN),
*Date of Birth (DOB), and
*Date of Death.
*Death Certificate
A copy of a valid letter of testamentary listing the third party as an authorized representative OR
A copy of the order from the probate court showing the third party representative is an executor of the consumers estate.
Please also include your name, your mailing address to send final confirmation and a copy of your identification, such as a driver's license or other government-issued identification.
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
Initial Complaint
Date:10/24/2023
Type:Order 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 am not liable for this debt with PORTFOLIO RECOVERY and I do not have a contract with BARCLAYS BANK DELAWARE. They did not provide me with the original application like I asked. I am not liable for this debt with *********** and I do not have a contract with ***********. They did not provide me with the original application like I asked.I am not liable for this debt with ************* and I do not have a contract with *************. They did not provide me with the original application like I asked.
Business Response
Date: 10/25/2023
EQUIFAX
10/23/2023

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

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

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

Thank you for submitting *************************** complaint on 10/23/2023 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

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