Complaints

This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Equifax, Inc.

  PO Box 740256 Atlanta, GA 30374-0256

  
• 

  Equifax, Inc.

  7171 Mercy Rd #330 Omaha, NE 68106

• 

  Equifax Credit Information Services Inc

  33400 8th Ave S Ste 100 Federal Way, WA 98003-2603

• 

  Equifax, Inc.

  PO Box 30343 Tampa, FL 33630-3343

• 

  Equifax, Inc.

  2665 N. Air Fresno Drive, #101 Fresno, CA 93727-1548

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:04/24/2023

  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 had an identity theft occur on my social.I provided all documentation that is required to remove the fraudulent accounts. I even provided the *** report.Accounts were initially removed, and then accounts have been reinserted without my knowledge or notification, as required by the law.

  

  Business Response

  Date: 04/26/2023

  
  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ********************* complaint on 04/24/2023 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. Please advise the consumer no attachments were included with the complaint. 
  
  
  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: 04/27/2023

  This is the original FTC report that has been submitted. You have this on file.
  Please remove these accounts from my credit file as they do not belong to me.

  Thank you.

  

  Business Response

  Date: 04/28/2023

  EQUIFAX
  
  
  04/28/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ********************* complaint on 04/24/2023 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: 04/28/2023

  Please be advised that there is a pending upcoming lawsuit against Equifax for illegally reporting incorrect information on 5/11. 
  the accounts have been previously removed from my credit file and were reinserted without any notice or consent from my part. The investigation was done and accounts have been removed before. We had even submitted the original FTC report. Either have these removed immediately or we proceed forward with the lawsuit.

   

  Thank you.

  

  Business Response

  Date: 05/01/2023

  EQUIFAX
  
  
  05/01/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *******************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ********************* complaint on 4/24/2023 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:04/24/2023

  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 furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and home purposes. Equifax and their inaccurate reporting have damaged my livelihood.Equifax stated this account ************ Electric - ********** is accurate and belongs to me . Back in Jan 2023 I requested documented proof from Equifax. ************ Electric nor Equifax sent me anything to verify this account. How did ********************** verify this account? ********************** has failed to provide the original purchase agreement with my signature. I also requested all the terms and conditions that are included in this purchase agreement, ****c from the original creditor, original application and all statements from open to close. I am also requesting the names, addresses and telephone numbers of individuals Equifax contacted during their investigation. Its not fair to keep stating its accurate without sending any proof. Plus As defined by IRS You must report cancelled debt as gross income. IRS clearly states a Charge Off is income. INCOME DOES NOT GET REPORTED ON A COMSUMER REPORT, which in fact makes this reporting of this account inaccurate! You are prohibited by law to furnish inaccurate information.If ************ Electric is unable to provide all documents requested to Equifax, according to the law this account is to remain deleted. Its been over 90 days and still no proof. According to the provisions of the Fair Credit Reporting Act 611(a) [15 USC 1681i(a)], this disputed item must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Fair would be to apply the law and delete.

  

  Business Response

  Date: 04/25/2023

  EQUIFAX
  
  
  04/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 04/24/2023 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

• Initial Complaint

  Date:04/24/2023

  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 writing to inform you that there is 100% improper use of the credit report. Attached to the **** TRANSUNION, EQUIFAX and EXPERIAN ****% VIOLATED THE ***** AND IM HIGHLY ****** ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website. Ive enclosed documentation providing proof of my current address, social security number and driver license.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the ***** ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, EQUIFAX, AND EXPERIAN credit report isnt accurate AND ITS COMPLETE ********. *** spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, EQUIFAX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT UNVERIFIABLE ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LETS ON THE CREDIT REPORT.IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN.POTENTIAL LAWSUITS LIST:EXPERIAN, EQUIFAX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP.15 USE 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CONSUMER REPORT! DELETE IT IMMEDIATELY.I DEMAND FOR THE ACCOUNTS BELOW BE REMOVED 1.ACCOUNT NAME: WFHM ACCOUNT NUMBER: ************* - **********************/TRANSUNION 2.ACCOUNT NAME: FFCC-CLVLAND (Original Creditor: THE *** FOR GYNECOLO) ACCOUNT NUMBER: ******** - EXPERIAN/**********************/TRANSUNION 3. ACCOUNT NAME: (Original Creditor: PROGRESSIVE) ACCOUNT NUMBER: ******** - ******************************** NAME: PORTFOLIO ACCOUNT NUMBER: CAPIT-************** - ******************************** NAME: PORTFOLIO RC (Original Creditor: 08 ******************** N A) ACCOUNT NUMBER: 51**************- EXPERIAN /TRANSUNION I DEMAND FOR THE LATE PAYMENT BELOW BE REMOVED & Updated to Paid on Time:1.ACCOUNT NAME: RUSHMORE LMS ACCOUNT NUMBER: ************* - EXPERIAN/**********************/TRANSUNION

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ********************************* complaint on 04/24/2023 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

• Initial Complaint

  Date:04/24/2023

  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 submitted a letter to your agency on 03/20/2023 along with a letter i am submitting today. Based on my previous letter you have failed to make the appropriate changes, as the information reporting is still inaccurate. Please see both attached documents. thank you

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ********************* complaint on 04/24/2023 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

• Initial Complaint

  Date:04/24/2023

  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.

  On March 23, 2023 I sent a certified letter requesting an investigation into some inaccurate account on my ********************** report. Equifax has not responded to the request within the 30 days given. They have not done their duty mandated under the law. Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100% accurate on my credit report, which it is not. This is grounds for removal.A fair resolution would be deletion of the following:NISSAN INF LT?Account Number: ***********JPMCB CARD. Account Number: ************I did not consent to this unauthorized inquiries , these should be deleted as well:VW #**** - 10/14/22 WFDS. - 10/14/22

  Customer Answer

  Date: 04/24/2023

  This is not a third party complaint. I am an individual, a consumer who sent a certified letter to Equifax to perform an investigation on accounts on my credit report that were inaccurate. I never received a response. I am demanding that they remove the inaccurate accounts noted in my letter or I will be forced to take legal action. Period! 

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ****************** *******, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ****************** ******* complaint on 04/23/2023 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

  Customer Answer

  Date: 04/26/2023

  Thank you for letting me know that you are investigating my credit report and that you are doing so by going to my creditors to obtain information. That in and of itself is a violation of 15usc 1681a(e). Your admission makes you civilly liable and I demand that you remove the two accounts I brought to your attention for inaccuracies.

  NISSAN INF LT
     Account Number: ***********

  JPMCB CARD

    Account Number: ************

  Delete these accounts immediately or I will be forced to pursue legal action. 

  

  Business Response

  Date: 04/28/2023

  EQUIFAX
  
  
  04/28/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ****************** *******, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ****************** ******* complaint on 04/23/2023 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: 05/02/2023

   
  Complaint: 19973103
  
  I am rejecting this response because: Equifax, are you just now looking into the matter I wrote to you about two months ago?? You ignored me until I got the BBB involved. To reiterate, you are in violation of 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) for not reporting 100% accurate information. My ****** Infiniti account and JPMCB account both contained a slew of inaccuracies which I detailed in my letter to you on April 23, 2023. Furthermore, under federal law, you had 30 days to complete your re-investigation, (the request I sent March 23, 2023) yet you failed to even respond. Your blatant disregard of the law is why I have reported you to the **** an BBB and I will accept no other resolution to this matter other than the deletion of the following accounts:

      ****** INF LT
      Account Number: ***********

      JPMCB CARD
      Account Number: ***********

  Sincerely,
  
  ****************** *******

  

  Business Response

  Date: 05/03/2023

  EQUIFAX
  
  
  05/03/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ****************** *******, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ****************** ******* complaint on 04/23/2023 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: 05/03/2023

   
  Complaint: 19973103
  
  I am rejecting this response because: This is the same template letter that you sent me last time and it will not do. I need an actual response. 
  
  Sincerely,
  
  ****************** *******

• Initial Complaint

  Date:04/24/2023

  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 reviewed my consumer reports and noticed there were some inaccurate accounts on my credit report. *********************** #***xxxx Capital Account #****************************** Collection Service # ******xx EOS #******x IC System #******xxx ************************* 363290xxxxxxx Consumer ****************** have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I contacted this company and asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violations of the Fair Credit Reporting Act, and these disputed items may not appear in my credit report if they cant be verified with evidence and proof.I am not liable for these debts and do not have a contract with these companies

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting *************** complaint on 04/23/2023 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:04/24/2023

  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 have reported that these three accounts do not belong to me but you continue to report this. The accounts are:Affinity Federal Credit Union listed twice, and ******* Wireless.

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ****** ******** complaint on 04/22/2023 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

• Initial Complaint

  Date:04/24/2023

  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 just received my investigation results from Equifax, and saw some accounts were "verified." However, I do not know how they completed their investigation. Did they talk to my neighbors, friends, family, etc.? If so, I was not informed of the person who completed this investigation. One more thing, I was reading the **** and noticed they violated these laws as well: 15 USC **** (a) (4) 15 USC ****a. (e) 15 USC ****b. (a) (2) 15 USC ****i. (5) (A) (i) I, *********************, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act (****). There are eight accounts on my credit report that should not be there, and I sent those certified mail directly to Equifax that said accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. I demand all eight accounts be deleted unless they want to pay the $1000.00 fine per violation.

  Customer Answer

  Date: 04/24/2023

  I do not understand what clarification the BBB is asking for. I do not see anything on my end showing where clarification is needed. But I will state the issue another way: I want Equifax to remove the incorrect data from my credit report. I have sent yet another letter spelling out exactly what accounts are incorrect and need removed. Thank you.

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: *********************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting *********************** complaint on 04/22/2023 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. 
  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:04/24/2023

  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, these here accounts need to be removed from my credit report.

  

  Business Response

  Date: 04/25/2023

  EQUIFAX
  
  
  04/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE:  Deveon Heard, Case # ********
  
  
  Dear *****************************:
  
  Thank you for submitting ************************* complaint on 04/22/2023 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 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:04/24/2023

  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 filed a dispute with Equifax several times in 2022 regarding the incorrect status of a First ************ credit card account with a $0 balance due to payment obligations that have been fulfilled with ******************************. Equifax continues to send the dispute back each time as complete and correct. The status of this account to this day shows in Charge-off and Derogatory instead of paid, even though they had the proof by a letter from JCS because I uploaded and attached it to my disputes filed with them.****************************** Account reference#: ********************************* ****************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURENCY.

  

  Business Response

  Date: 04/25/2023

  EQUIFAX
  
  
  04/25/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case # ********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 4/21/2023 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: 04/25/2023

   
  Complaint: 19968578
  
  I am rejecting this response because: I will not know if I'm satisfied until I see what their end result findings are. As I stated in my complaint, I've disputed this several times and they've yet to change it on my credit report dispite having proof by a letter from the creditor saying I have satisfied this account with full payment.

  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 04/26/2023

  EQUIFAX
  
  
  04/26/2023
  
  *****************************
  Better Business Bureau
  
  
  RE: ***************************, Case #********
  
  Dear *****************************:
  
  Thank you for submitting ***************************** complaint on 04/21/2023 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: 04/26/2023

   
  Complaint: 19968578
  
  I am rejecting this response because: I will have to know the end result of the investigation before I can say i'm dissatisfied or satisfied. I will wait until I hear back regarding the results of this investigation.
  
  Sincerely,
  
  ***************************