ComplaintsforEquifax, Inc.

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Initial Complaint
10/31/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On 5/2023 a fraudulent inquiry posted to my credit reports. Someone got ahold of my information and attempted to apply for a *********** credit card. On 6/10/23 Equifax removed the fraudulent inquiry, but on 08/2024 added the fraudulent inquiry back to my credit file. Ive spoken to *********** regarding this matter, who also confirmed the application was flagged and cancelled by their fraud ************* of today, 3 letters mailed and multiple calls to Equifax to resolve issue and its still on my report.
Customer response
10/31/2024
I submitted two complaints within 30 minutes of each other on 10/30/24. One for Equifax and another for *********** is the reason you may have similar complaint verbiages and same attachment documents.
Business response
11/06/2024

November 6, 2024

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

Re: ****** Enabulele ******, Case # ********

Dear ******* *******,
Thank you for submitting ****** Enabulele ******' complaint on 11/06/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team

Customer response
11/10/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** Enabulele ******
Initial Complaint
10/30/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I have contacted Equifax SEVERAL times to remove these accounts that are not mine. They are in violation of several credit laws. I have reached out to them regarding the inquiry that I have on my credit report and I have reached out asking them to VALIDATE not verify the accounts reporting on my credit report, specifically *******************. I have paid the *********** account and they agreed to delete the account once paid, but they are refusing to do so! They continue to report it as paid but it negative. Please assist.
Customer response
10/30/2024
Yes I submitted this myself.
Business response
11/01/2024
November 1, 2024

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

Re: ***** ******, Case # ********

Dear ******* *******,
Thank you for submitting ***** ****** complaint on 10/31/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/30/2024
Complaint Type:
Billing Issues
Status:
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.
I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and have also enclosed copies of the documents supporting my dispute, Federal Trade Commissions &#**;s identity theft affidavit. Please delete the items as soon as possible.
Customer response
10/30/2024
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the ************************ and have also enclosed copies of the documents supporting my dispute. ************************* identity affidavit. Please delete the items as soon
Business response
11/01/2024
November 1, 2024

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

Re: ****** ********, Case # ********

Dear ******* *******,
Thank you for submitting ****** ******** complaint on 10/31/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/29/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
There are fraudulent inquires on my credit report. I am a victim of the Equifax data breach and need these inquires removed ASAP I've attached a Police Report and an FTC Identity Theft Affidavit.
Customer response
10/29/2024
I did not authorize a third-party to send in my complaint. I did it myself, and I confirm that I sent it in myself.
Business response
11/05/2024
November 1, 2024

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

Re: ***** *********, Case # ********

Dear ******* *******,

Thank you for submitting ***** ********* complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,

******* ********
Your Equifax ************* Team
Customer response
11/06/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *********
Initial Complaint
10/29/2024
Complaint Type:
Billing Issues
Status:
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.
Equifax refused to abide by law and remove negative information off my credit report due to identity theft
Customer response
10/29/2024
This is not a 3rd party filing a complaint this is me ******* Tremaine ********
Business response
11/01/2024
November 1, 2024

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

Re: ******* Tremaine ********, Case # ********

Dear ******* *******,
Thank you for submitting ******* Tremaine ******** complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,
******* ********
Your Equifax ************* Team

Customer response
11/05/2024

Complaint: 22488200

I am rejecting this response because: I have submitted proof of identity online through equifax upload but I will resubmit it RIGHT NOW SO THEY CAN REMOVE THE REQUESTED ITEMS!

Sincerely,

******* Tremaine ********
Business response
11/05/2024
November 05, 2024

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

Re: ******* Tremaine ********, Case # ********
Dear ******* *******,
Thank you for submitting ******* Tremaine ******** complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,
******* ********
Your Equifax ************* Team

Customer response
11/06/2024

Complaint: 22488200

I am rejecting this response because: I have sent documents showing proof of my identity along with the dispute

Sincerely,

******* Tremaine ********
Initial Complaint
10/29/2024
Complaint Type:
Billing Issues
Status:
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.
Its some weird stuff on my credit profile that I am concerned about. I never consented to share any of this information and it is a violation of my privacy. I am requesting that it be blocked or removed from my credit profile. I have not hired an agency and i am submitting this for myself
Customer response
10/30/2024
As I said in my original complaint, I didnt hire anyone. I submitted this myself

thanks
Business response
11/01/2024
November 1, 2024

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

Re: ***** ****** III, Case # 22486366

Dear ******* *******,
Thank you for submitting ***** ****** III complaint on 10/31/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/28/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Equifax is asking me to verify my identity by sending information to their P.O. Box which i have done a total of FIVE times & no one has yet been able to identify me or send me any confirmations. I have as to where they have to sign for it for it to be picked up and it says signed by equifax each time. I even reached out to the Atlanta post ************* did an investigation & confirmed it does get picked up. The **** at equifax stated that the mailing team does not have any contact information so they cant even confirm where its at in the process.
Customer response
10/29/2024
They are stating that they never received the documentation even though it says they have.
Business response
10/30/2024
October 30, 2024

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

Re: Daizja J, Case # ********

Dear ******* *******,
Thank you for submitting Daizja J complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,
******* ********
Your Equifax ************* Team

Customer response
10/31/2024

Complaint: 22484835

I am rejecting this response because: I have been sending my verification to Equifax have sent it multiple times to verify my identity I have sent off my social & license a total of five times. I need help reaching them regarding receiving the documentation & yes its been delivered to the correct P.O. Box every time & i have it where as to they have to sign for itonce they pick it up.

Sincerely,

Daizja J

Business response
10/31/2024
October 31, 2024

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

Re: Daizja J, Case # ********

Dear ******* *******,
Thank you for submitting Daizja J complaint on [Date] through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/28/2024
Complaint Type:
Billing Issues
Status:
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.
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ********** V ******* (mo) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXISTS.
Customer response
10/30/2024
I am not working with a third party my name is ****** *******. I recognize a few accounts that need to be reviewed they are listed in my first complaint
Business response
11/01/2024
November 1, 2024

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

Re: ****** *******, Case # ********

Dear ******* *******,
Thank you for submitting ****** ******* complaint on 10/31/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/28/2024
Complaint Type:
Billing Issues
Status:
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.
Furnishers of information must notify consumers in writing before reporting negative information to credit reporting agencies. I did not receive any written notification 30 days prior or after the late payment was reported on my credit report. Please furnish proof that a letter was sent to me from a creditor along with the tracking number. Please conduct a proper investigation and if you cant provide proof. Please update my late payment to ***** (PAID AS AGREED NEVER LATE), also please update the payment history to OK. Send me proof that a letter was sent to me from the creditor along with the tracking number and update my late payment to ***** (PAID AS AGREED NEVER LATE), also please update the payment history to OK
Customer response
10/28/2024
I did not authorize any third-party company to file this complaint on my behalf. I filed this complaint myself. Thank you.
Business response
10/30/2024
October 30, 2024

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

Re: ***** *******, Case # ********

Dear ******* *******,
Thank you for submitting ***** ******* complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on the 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 with current address
* 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 ********************************. 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,
******* ********
Your Equifax ************* Team
Initial Complaint
10/28/2024
Complaint Type:
Product Issues
Status:
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.
I am writing to express my deep dissatisfaction with the response I received following my request for an investigation of inaccuracies in my account. The response was disappointingly generic and did not provide any specific information about the methods used to verify these accounts, despite my clear explanation of the need for a comprehensive verification.I expect a detailed response to address the following urgent questions. If you are unable to respond to each question promptly, I demand that the accounts be removed from my credit report permanently.Verification Evidence: Can you provide evidence that supports your claim that these accounts are accurate?Certified Documents: Were certified documents used during the investigation, and if so, what documents were included?Information Shared with Original Creditor: Please specify any information passed on to the original creditor during the verification process.Cost of Documents: I would like to know the cost associated with the documents utilized in the ******************** Details: Kindly provide the name of the individual at the original creditor's office with whom your representative spoke, along with the date, time, and duration of that conversation.Verification Representative: Please share the name of the individual from your company who communicated with the original creditor during this verification.I am once again requesting the permanent removal of these items from my credit report. Please also provide all documents and pertinent information used in your investigation, as previously requested. I am documenting all correspondence between us and hope you will conduct a thorough investigation, ensuring that all necessary details are provided so I can understand the verification process in full.
Customer response
10/28/2024
I did not authorize any third-party company to file this complaint on my behalf. I filed this complaint myself. Thank you.

Business response
10/30/2024
October 30, 2024

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

Re: **** ********, Case # ********

Dear ******* *******,
Thank you for submitting **** ******** complaint on 10/30/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We will review the consumers concerns and initiate an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.

If they have any additional questions, they may call ************** or they may visit ********************************. 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,
******* ********
Your Equifax ************* Team

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ComplaintsforEquifax, Inc.

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