Equifax Reviews

These people are the absolute worst in the business. They have had me listed as deceased since December, and it is now May. Customer service for disputes is abominable. It takes forever to get to a live body for any dialog. And then they can do next to nothing. My dispute is listed in their system as "resolved", but they are waaaay past their 30 day commitment to get a correction processed and posted. In the meantime, they are costing me thousands of $$$ because I cannot do a refi on my house without a credit score, and interest rates have been climbing ever since December. The other two agencies were very prompt about corrections after I figured out the root of the problem (my bank mistakenly reported me as dead instead of my deceased wife) and notified them that I am very much alive. I am not dead. But I may be before they get their sh_t together and correct the mistake. I wish I had a choice about "doing business" with them, but unfortunately they have all the power. I can at least be glad that I do not have to pay them any fees for fixing their stupidity. I wish it were possible to give them less than one star rating.

One word ...garbage!

Tried 5 times to update my credit report to reflect our unencumbered property value. Nothing worked including two desultory telephone conversations that resolved nothing. In my view they received our payments under the false pretence that they would accurately reflect our financial situation. We have now left them to extract fees from others.

If there was a "negative star" option, I would choose the lowest one. I signed up after being off Equifax for a few years. I input my new address and previous address and their data system recorded it incorrectly: old address shows as current, new address as previous. Could not change it myself. Called them. Hershey (that's her name) in the Philippines, with lots of background noise, so no COVID lockdown and no social distancing there, said she requires my documents in order to make the correction. Also my previous employer is showing, info that I did not provide and again have to provide "documents" to prove my new employer. Not user friendly. Tried to complain. Left on hold waiting for a supervisor for 20 minutes. Will end my subscription.

Our bank suffered a very significant data breach exposing customer data, KYC and AML documentation, e-mails and other communications. Since this has exposed us to a significant risk of fraud and identity theft, the bank has provided us with a complimentary subscription to Equifax (it's not much, all things considered, but it is a gesture). Unfortunately, I have never been able to activate this subscription. So I decided to buy one of my own. Unfortunately, I have been equally unable to activate the paid-for subscription:
"Next steps to complete your order
Unfortunately, we have been unable to activate your account online using the information that you have provided. Please contact our Customer Care Team to complete your order.
Please quote the following reference code when you contact us: (some code)
Telephone activation
Call the team on 0800 014 2955 (Calls are free from UK landlines and mobiles.) or 0333 321 4043 (Calls from landlines and mobiles are normally included in bundled call packages, otherwise calls cost 15p per minute plus 23p set up fee from a BT landline. Other networks and mobiles may vary.)"
When you call this number, you are put through the "identity verification" wringer, once you've identified yourself, you explain the issue, try to address it, etc. etc. and in my case, I did this three times, and each time the telephone line dropped before we solved the problem (I would be put on hold while speaking to the agent and the line would drop while I was on hold). When I called back and explained this was happening and asked them to either tell me how, in the event of a call dropping again, to call back and continue the conversation with the person I'd just been speaking to, or let me give them my telephone number so they could call me back if this happened. But no can do. You just have to keep calling back, again and again, waiting, listening to a recording to get to speak to an agent, going through the identification process each time, then never quite getting what you were calling about done, being frustrated by the phone line dropping and doing this over and over again. Well who knows, maybe if I was willing to do this four rather than the three times I tried, I might have been actually successful the fourth time. But personally, I think you have to reach a point at one point where you cut your losses and try something else, and for me, three attempts was that point.
What they did manage to tell me during one of these calls is that I had to upload my passport and utility bill to activate the account. However, it turns out you can only upload these documents if you can log into your account first, but in order to log in, the account has to be already activated. Much help that was.
Not being able to achieve anything by telephone, I e-mailed hello at equifax dot com, explaining the situation and asking them to assist, telling them about the issues I'd had when calling them, giving them also my telephone number in case they were able to call me. I merely received a reply saying they could not help me and to call them instead - on the very number I had already called three times - if I wanted something.
I then e-mailed complaints at equifax dot com, with the exact same result.
I therefore gave up, especially as it's not really clear how much this subscription was going to do for me anyway and it seems it's all a waste of time.
I did tell our bank, though. Maybe they will look after our data better next time. Or, failing that, give us a free subscription to something which does something other than waste time and irritate.

Recently my credit score went down by over 80 points, in the last 6 months i cleared 7K off my debt.
a new 1 month BT contract i added and then closed was blamed for intial drop then after taking clear scores advice to update my address on my 2 credit cards it then dropped another 40 points as Equifax now classed these as new accounts depsite being 18 years old and 29 years old. i've requested both Clear score & Equifax assist me or explain this but both have replied to contact the other and said algorithyms etc are used which is just an excuse.
Terrible customer service as they have not even tried to look into this for me despite the distress its caused me.

Although Equifax did pick up the detail of an erroneous default, which I was then able to go to the utilities company to fix and have deleted, it was otherwise diabolical to use and the very slowest to update.
Equifax also seems determined to believe I am not on the electoral register - I am, I checked, and all other agencies recognise this, so I am unsure why Equifax insists on red flagging me for this. I did put in a request for this to be changed, submitted evidence, nothing changed.
If you need help using their service you get redirected to a maze of seriously unhelpful FAQs.
Experian and Transunion were thankfully more reliable and gave me a more accurate score and a much better service.
I cannot recommend Equifax for their service but I will commend them for showing details of defaults and red flags, so you can at least follow them up with companies if these are unjustly put against your name. However, if you need Equifax to investigate their errors, you're stuck!

One of the most frustrating service that I have ever had to use. I was never able to lift my credit freeze online. Removing the credit freeze by phone doesn't work either. Please fix this and make your service a little more bearable.

True rating: -1 deficit reading. Very much earned as this third leg of the credit branches, is the worst, & weakest of the 3, by- far!
The whole Credit Bureau system is itself a low scorer based on their own standards! Who rates the 3 bureaus, Experian, Equifax, and Transunion? Who grades these entities and ensures they themselves are operating at the same expectation levels they require us to meet throughout our lives? Who again by their own standards, would fail miserably! Special emphasis on Transunion and their customer service alone, 80% of time is sub-par at best and their services, of which none of us request, where they attempt to score us on an unofficial, calculation of pluses and minuses that only they understand, If at all. Have you ever wondered why those great strides of multiple on time payments you make or that loan you paid off positives, very slowly effect your score upwards but forget by mistake one payment on an account on an otherwise 99% paid on time record, that same score immediately descends some 65 points!! That is not by accident. Nevertheless this service is forced upon all of us where we are graded upon this unverified, underperforming, excessively confusing and profit based service throughout our lives. Depending on that score, we are effected greatly in one way or another. This score, where all three bureaus collectively, make up a Fico score is severely flawed. Whereby their biased and negative driven business practice makes it a positive for their bottom line when they can inflict that negative reading based on there contradicting standards of score calculations made upon us every 30 days. This will eventually effect each and everyone of us at some point during our lifelong credit journey. They start to profit when you incur a negative to that ever important credit score. How? At times when at some point or another, we will suffer the consequences of a less then good credit score, whereby we may seek out one of many options that benefit the profit producing score keepers. Perhaps one of their credit consolidation or credit building profit inspired programs. This should be outlawed! If this must be a service put upon everyone of us regardless of whether we ask for it or not, it should at least be headed by non profit organizations. Who poses only a neutral interest in our position, in our lifelong credit journey. Otherwise, at its core, it is an unethical business working against all of us and at an egregious conflict of interest. This does not serve our best interest. A service, in which plays such a major part in the quality of our lives we live, through out our whole lifetime, that also profits on the demise of ones misfortunes and preys on their inability to keep and maintain a high credit score. It’s a service mandate that again, works against us in the worst way and at all costs, literally. This definitely needs reform as they are absolutely, in no position, to grade us given there own outrageous lack of plausible service standards within their own establishments.
Adjusted for inflation of the 3 credit bureaus services in an unspoken mandate.
Is it only guarantee’s in life: credit worthiness, death and taxes?
Not hardly. At least, it shouldn’t be.
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Through Clearscore, Equifax claim I missed payments on 9 out of 12 months in 2014.
This ridiculous, I have never missed any payments.
Experian shows no missed payments and a current 999 score.

I found it impossible to set up an account. Very difficult to understand the Indian guy on the phone. I simply just gave up out of shear confusion.

They make it nearly impossible for me to access my credit report without paying for a subscription service. When I call them I get someone who can barley speak english at some call center overseas. Then, when I can't answer the questions that I don't understand I get crickets from the operator. The irony is all my bank needs is my SSN and they get full access to my credit report. Something should be done about this. This conpany has total control over your financual future and all there are doing is making profit at our expense with absolutely zero accountability to the person(s) they affect.