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I think the title says it all...except you'll pioneer speak to someone without a heavy accent...which puts the comprehension of your complaint in question. They pass the buck! No one is accountable for their erroneous info that accompanies an almost perfect credit score. No wonder the use of the f word is so common today! Total frustration!
And there's NOTHING you can do about it. I can't understand why we are forced to do business with this grossly negligent company that supposedly guards our info. They lost a major class action lawsuit yet they are still at it. Causing harm to innocent individuals who never signed up for this. I'm sorry Equifax this time I can't let it go.
I have been working on cleaning up past bad credit and found an error on my credit report. I contacted TransUnion and filed a dispute and within 15 days they had corrected the err. I then went to the Equifax website and followed all instructions to the letter. Since that day, I have received approximately 20 emails from Equifax stating that my dispute had been resolved and I could follow the link for their determination. The link never worked, it always said my info was wrong. After calling 4 times and being misdirected EACH time, I finally spoke with someone who then told me that I had never filed a dispute with them. Regardless of the confirmation numbers, and file/case numbers, he was adamant that there was no dispute filed. As of today, I am STILL waiting for response regarding the misinformation that they have on my credit report. I will be contacting their headquarters in the next few days in hope of finally getting this error corrected.
I signed up. Got countless emails within hours with alarmist messages. Signed in and found no information. Asked for more information, and was told to 'phone us for more information' - presumably, so that they can sell me a premium subscription just to see the content of the messages that they are spamming me with several times a day. I requested that they remove my account, and was asked again to call them (because, clearly, the law means nothing to these people and one must jump through hoops to stop being harassed by them once signed up for free). Despite removing most of my details and opting out of marketing, I am still receiving multiple spam a day from Equifax (which suggests it's falsely generated as it alludes to information that they clearly do not have), and they refuse to do anything about it unless I call (so that they can sell me a premium plan instead, I presume).
Stay the hell away from this company! They're just fancy scammers themselves. You have been warned.
They all of sudden lost my date of birth, two months later they have duplicate info and cannot send a score out. The incompetency of these people is disgusting. Not to mention, one late will send you 80 points down, if that gets erased your score goes up half that amount? I'm a father with a million in assets, good credit, large income, no lates, with three hundred thousand of credit and low use ratio with an avg. Score of 730. My son has not a pot to piss in, one credit card with small limits and 790 FICO.
There is something very wrong with these people and their dysfunctional system! You suck Equifax!
So I've been working on my credit for 4 or 5 months now. Got a few credit cards and use them and either pay them off or make my payments on time but if you use more than 30% of your credit it drops each month so making on time payments every month and even paying them off every once in a while just doesn't help. This is the stupidest thing I've ever seen. Drop ur score even tho you make payments on time. Beginning to wonder why the hell am I even trying. Too much ignorance with credit now days. May go back to paying cash for everything. Dumbass ways of doing g things with these dumbass companies.
You should probably watch your Equifax score before you make a move because they can be a month or so behind. If your score improved lately it is going to take Equifax some time to catch up. This is the consumer reporting agency the industry has delegated to evaluate your tax records for card eligibility or continued card elegibility. Equifax resolves all disputes quickly.
Citibank refused me with a credit card due to equifax report. I order copy from them. Few mistakes! They have 1 extra letter in my name, middle initial (i dont have it) and my birthday shows 73 years old (even im 60) and, lastly, my birthday as 12/30/1899 (making me the oldest person in a world). How come such company can be in business to provide credit reports, fico score and other info to creditors? What a shame! The c/s speak very poor english (he was, probably, from vietnam or philippines, in order for company to save on the salary expenses). He dont seee my birthday at his file at all. Really? When asked about VintageScore reason codes (ie 34, 39, 63, 66) he cant understand and explain it. Dont use equifax or pay them any monthly fees, since they are no prudent and allow mistakes in reports, which may be one of the reason to provide credit to consumer. Who want to credit 123 years old person?
I paid off the only loan I had, an auto loan, eight months early. So being curious as what it had done to my credit score, I checked and couldn't believe it. After paying it off my score dropped 29 points from 773 to 744! What the heck? I figured that paying a loan off early would be a good thing, guess not! No wonder equifax has such a low rating! If I could give a negative point rating, I would! It really doesn't matter that much because I have no intention of having any kind of credit again, it's just the principle of it!
Answer: You are entitled By law, to receive your credit report once a year for free, and it includes all 3 agencies. Be wary of paying for your report, they typically enroll you automatically in a yearly subscription, without proper notifications. There was a class action suit a few years back about this very thing. You can get your Equifax and TransUnion credit reports for free from CreditKarma.com
Equifax has a rating of 1.5 stars from 23 reviews, indicating that most customers are generally dissatisfied with their purchases. Equifax ranks 49th among Credit Reports sites.