Equifax creates and delivers unparalleled customized insights that enrich both the performance of businesses and the lives of consumers through the comprehensive and differentiated data it manages, the expertise in advanced analytics it provides, the state-of-the-industry solutions it develops, and the leading-edge proprietary technology through which the solutions are delivered. The company organizes, assimilates... show more
Equifax Reviews
5
14%
4
27%
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0%
2
9%
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50%
2.4
22 reviews
22 reviews
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Equifax
sking35211 @sking35211
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1 Star Rating
Horrible company! They have deleted my credit and froze it, I have made several complaints and nothing has been done. They keep asking me to send my personal information each time such as my identification and other to verify identity each time I call them. They keep saying they don’t see a freeze but I clearly see it and so do creditors because I get turned down because they can’t pull a equifax report. I have no issues with transunion or experian. I had no issues with equifax until October 2021 . All reports are showing on credit karma. Equifax stop reporting my credit In October and froze it. It was my highest score! These people need to be investigated. We need to get together and file another class action lawsuit against these people. I believe these people are stealing our identity.
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Product: Equifax Credit Report
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Equifax
Ironhorseengineshop @Ironhorseengineshop
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1 Star Rating
For Equifax to drop my credit score by 77 points for NO REASON is intolerable. As a credit reporting agency they have no business being in business. This company desperately needs to be replaced. Customer service is non-existent and outsourced. Someone in India has no business attending to my issues here in the states. Rude, incapable of resolution and unable to address my concerns. How our government is o.k. with this is beyond my comprehension. If it were not for the 130 character requirements I would have made this much more streamline and precise. This is of course in place to discourage people from placing their reviews here. But, if Equifax wants people to babble on like their "customer service" people from India, then fine, I will babble on. Dear Equifax......stop injuring people with unreasonable drops in their credit score. Completely without reason or recourse. If scores are determined by the condition of wall street, then that should change. This should be about ordinary people who diligently use their credit wisely and do not abuse the system. Transunion does NOT behave like this. Only you. You want people to purchase services from you but on the same hand abuse them with drops in their scores without reason. How can you defend your practices like this? Do you find your sales of services to be adequate? I think not. If you going to draw the attention of people to your services then change your tactics. You should be the exception, not the rule.
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Product: Equifax Credit Report
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sking35211 @sking35211
We definitely need to file a class action lawsuit against this company! They are a fraud. They need to be investigated.
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Equifax
Seeeean Mack @Sean_173
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1 Star Rating
Abysmal service, folks from India who are the only people you can talk too have no idea what they are doing. I had my call dropped 3x, waited 45min, ask to be transferred to a manager who had me continue on hold after the 4 person. Still nothing, this company needs to go the way of the dinosaurs and disappear! There has got to be a better company that handles credit b.s.
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Product: Equifax Generic Credit Score
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Equifax
Eva Ho @eva_wisdom_777
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1 Star Rating
I have a lot of issue with the people that work there, no nationality mention. Basically ALL the employees there are all INCOMPETENT, they have very poor vocabulary, all of them can't do their job. When you call, they give you a death ear as if they do not understand English. If you are in a good mood and call them, I can absolutely guarantee you that he/she will get you in the BAD mood of their unprofessionalism and incompetence. Do not use this company at all. I've been dealing with them for a month, what a pain in a butt.
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Product: Equifax Credit Monitoring
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Equifax
Alexandra @bronxtours
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1 Star Rating
Equifax is horrendous and they are a complete fraud, I ordered credit monitoring and canceled on the same day. I sent them the email with the cancellation notice and they responded they will look into it. It took them exactly 30 days to respond and Equifax almost kept the full amount and prorated $2.00 from the full amount. Don’t trust this company, they are scammers, please don’t do anything with Equifax involving your credit card, they are sneaky and they will keep your money, they also outsource jobs outside the USA. Stay away from Equifax!
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Product: Equifax Credit Monitoring
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Equifax
Tom Burns @ruhoopn
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1 Star Rating
I find it absolutely irresponsible and ignorant that this agency can drop your score within 10 hours after a credit application filed but takes 30 days to remove a dispute comment. How about working for people instead of being in a hurry to hurt people.
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Product: Equifax Credit Report
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Equifax
cassodayjosh01 @cassodayjosh01
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1 Star Rating
Well since my identity was stolen from them and I didn't know it at the time. I started paying them for protection. funny huh. Well, with my settlement and after people bought stuff opened credit cards me spending all my time on phone and then going and making a police report I got like 68$ from them. Should not be allowed to do what they do. And I've been paying them every month to monitor my stuff. I paid them more than they paid me. There are better services out there I just canceled with them. Do the same.
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Product: Equifax Identity Theft Protection
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Equifax
donjosem @donjosem
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2 Star Rating
Unable to login and unable to get help, either online or on the phone. Requesting information from years ago, that I do not remember or have on hand. Presented actual credit information, and still, they want to provide information, that it's been closed. Needed to go to another credit agency to do that, but unable to, because they wanted to send slow mail to do that. I wanted to just go online and make a dispute. Impossible.
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Product: Equifax Generic Credit Score
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Equifax
Felicia Wilder-Gomez @fwilder_gomez
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1 Star Rating
I've been having issues with Equifax for quite some time now. Among many other issues-- when something positive happens on my account, there's hardly ever a positive change to my score. The same information that is on Equifax is the same information I have on TU and EX; yet, I'm always seeing it being reflected with a positive score change with each company EXCEPT for Equifax. Equifax, is the only bureau that constantly take more than they give, from my experience. Just this past December there was a slight change (increase) in my utilization and it dropped my score on Equifax by 13 points!! 2 points on TU and 4 points on EX. Now here come January-- my utilization decreased to 0% because I paid everything off, and wanted to give the system time to reflect the changes. I also had an item removed in January which reflected on all 3 bureaus. The decrease in utilization gave me back my points I had lost in December with TU and EX but not Equifax!!! The removed account had ALSO bumped my score with TU and EX but NOT WITH EQUIFAX!!!! Frustrated at this point, I called Equifax, and they gave me the same run around every other reviewer is mentioning. They asked me these identity questions that honestly did not apply to me so they could not identify me. I was told to fax or mail identification along with a letter to get access to my report & score. I only wanted to know WHY that could POSSIBLY happen when there's positive information being updated on the account. They continued to tell me they could not identify me so they couldn't provide me with any information. It honestly sounded extremely scripted-- as if I were talking to a darn robot, and as if these situations had always occurred. Now I see that there are thousands having these same exact issues PRIMARILY with EQUIFAX. I just think it's super strange that both Transunion and Equifax uses the same scoring system; yet, the actual scores generated are extremely different. I am hoping to purchase a home before the year is out but I am really losing hope because of Equifax. Something is really off about this company or their system! This is by far the worse company I've ever had to deal with. I'd really like to sue the crap out of Equifax-- solely on the fact that I am also being denied certain cards because of their system not updating! They honestly need to really be looked into and put out of business the way they're destroying/hindering people's lives.
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Product: Equifax Credit Monitoring
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Equifax
Matthew Tragarz @mdtragarz
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1 Star Rating
The service worked fine until they transferred me to new myequifax product. I attempted multiple times to login to myequifax and got a temporarily unavailable message every attempt over several days. I called their customer service and was continually transferred back to the main menu. I will be cancelling this service ASAP and trying a different product based on the quality of their customer service alone.
You can file a complaint against Equifax by logging it online using the Consumer Financial Protection Bureau's complaint tool or by submitting it to your state's attorney general. Once you file an online complaint with the Consumer Financial Protection Bureau (CFPB) or state attorney general, those entities will forward the complaint to Equifax and work to get a response from them. Equifax's customer service team will in turn look into your complaint and report back with steps followed (or that will be followed in the future) to resolve the complaint.
If you file your complaint through the CFPB, they will publish it on their website (without personally identifiable information). CFPB has received more than 170,000 complaints about Equifax. Out of these complaints, about 79% were resolved with an explanation from Equifax, while 17% were resolved by providing some sort of relief to the consumer. The rest of the complaints have yet to be resolved. If you are not satisfied with Equifax's response, you can leave feedback. The CFPB will not always take action against companies like Equifax, but it does provide complaint data to public, state and federal agencies, as well as to Congress.
On the other hand, if you want to file a complaint with Equifax about an inaccurate item on your credit report, you can file a dispute online through your Equifax account. Once you file your dispute, you will receive a 10-digit code that you can reference when checking the status of your dispute. Equifax will respond to your dispute within 30 days following your submission.
If you don't like Equifax's response to your dispute, you can add a statement to your credit report. This statement does not affect your credit score, but can help lenders understand the circumstances surrounding negative items on your credit report.
You can contact Equifax by mail, by phone, or online. To contact Equifax by phone, call 888-548-7878 from 9:00 am to 5:00 pm, Monday through Friday. If you need to reach Equifax by mail, you can use the following address: Equifax Information Services LLC / P.O. Box 740256 / Atlanta, GA 30374.
Customer service at Equifax can help you add a fraud alert, set up a credit freeze, and file a dispute.
To place a fraud alert on your Equifax report: add an alert online or call 800-525-6285.
To dispute an item on your Equifax report: file a dispute online or call 866-349-5191.
Before your conversation with Equifax, gather your Social Security number, financial records, most recent annual credit report, and any other documentation you think will be relevant.
Traditional credit scores calculated based on data from Equifax credit reports range from 300 to 850, with higher scores indicating stronger credit. But the Equifax Credit Score ranges from 280 to 850.
The Equifax Credit Score is a proprietary scoring model used to evaluate your Equifax credit report and predict credit risk. It is calculated differently from FICO Scores or VantageScores, but pulls from the same types of data. The four main areas used to calculate the score are payment history, amounts owed, length of credit history, and new credit. Like traditional credit scores, the Equifax Credit Score can also be broken into several different ranges.
Equifax Credit Score Ranges:
Overall: 280-850
Poor Credit: 280-559
Fair Credit: 560-659
Good Credit: 660-724
Very Good Credit: 725-759
Excellent Credit: 760-850
Although traditional credit scores typically range from 300 to 850, some older models and industry-specific scores may start at 280, 250, or even 0. The Equifax Credit Score is just one example. Generally, the score or rating you get from one type of credit score should be close to what you receive from others, however.
You can check your latest VantageScore 3.0 credit score and your TransUnion credit report for free on WalletHub. In addition to daily updates, you'll get personalized advice for how you can take your credit score to the next level.
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