Equifax

This has to be the worst credit reporting agency in Australia. I've had no defaults in over 15 years, and my credit scores with the other two major bureaus are consistently above 900. Yet, with Equifax, my score has remained stuck at an "average" level for over six months — despite no enquiries, no new credit accounts, and no negative changes. What's even more concerning is how Equifax penalizes consumers. A single loan enquiry can drop your score by over 100 points, and then you're expected to be satisfied with a 2-point monthly recovery? It feels punitive and unbalanced, especially when your actual financial behavior is responsible and stable. Why is this company even allowed to handle such critical data that affects people's financial lives? And why do major banks and financial institutions continue to rely on this agency when its data appears so clearly out of step with the rest of the industry? This level of inconsistency and lack of transparency is unacceptable. Australians deserve better from a system that plays such a major role in their financial futures.

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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!

I paid off the balance of 2 of my credit cards, Transunion raised my credit score by 42 points, but Equifax reduced my score by 38 points! Interestingly, it says the reason for losing that much credit score is balance decreased by two credit cards!

I'm writing this because they never get it right my score just went down 46 points because they're company placed a duplicate debt on my report that made nose dive into the dirt after I just got it to go up last month! I'm so tired of this bull $#*! yeah I'm abso$#*!inglutely outdone cause that's messed up you suppose to be here to help not to mess up my life! I cant take this anymore! Now I'm over it if I cant buy it with cash I dont need it! Because these bastards will make you hurt someone! Im done caring what these numbers mean cause they ceased to mean anything to me! I'm done with all 3 they can kiss my entire $#*!!
#THEYHAVENOLOYALTY

I'll join the many other voices here giving Equifax a one-star rating, and I hope you will read the reviews and take heed before doing business with these (in my opinion) very unethical people. Once you purchase their product, you are in customer service hell. The myequifax website is almost always non-responsive. You cannot sign in or it just doesn't work. If you are lucky enough to be able to talk to a customer service agent when you use their telephone number, you are bound for disappointment. Customer service is incredibly apathetic and poor, and promised emails/confirmations never seem to arrive. Finally, when you get frustrated enough to cancel, good luck. You can only cancel by telephone. You may or may not get through on any given day - sometimes the number just returns static after you dial, sometimes the wait is excessive. If you get through, in order to cancel, you must jump through hoops. They want it to be as difficult as possible for you to rid yourself of them. My advice is to steer clear of this company and use another service if you need credit reporting.

Equifax customer care is TERRIBLE! And their customer care representatives are rude as can be! Andrea the young woman helping me not only talked over me multiple times but had no clue how to do her job or help with any issues. All she did was repeat to me what my score was and what my report said. Absolutely NOTHING helpful at all! And when I asked for a supervisor I was given the run around. Was told they had to find one and then put on hold for 10 minutes. Ridiculous!
And just so everyone knows, Equifax customer care is located in the Philippines so these people have complete access to all your personal information, and I mean ALL of it.
They dropped my score 61 point over night with NOTHING AT ALL added to it, no changes, and had no explanation for this at all! TERRIBLE COMPANY AND CUSTOMER CARE!

These guys are bad as are all of these credit companies. I tried to cancel my services with them, which you can't do online. I called the number and waited a long time and was hooked up to an Indian guy. No offense to Indians but I kept getting the hard sell from this guy and after getting really angry he said he would cancel my service. I got a cancellation notice and then I also got a renewal notice for the same service. They give you an email to send comments but it doesn't exist. Really bad company. Don't do business with these people. Experian is just as bad.

This company is unprofessional and incompetent.
My first call was Monday 10-29-18, while trying to get a new truck loan. First I tried to unfreeze my credit report via on-line. No success. When I called I was told the whole system was doing an update (in the afternoon on a business day, WTH) and I would have to wait 30 minutes and call back. When I did, of course had to go thru the whole list of questions and crap. When done, they said they lifted the freeze and I even got a confirmation #. The dealership tried multiple times to check credit. I went back on Tuesday late afternoon. AGAIN, I had to get on line, but this time it let me log on. Got the freeze lifted for 7 days. Waited two days and multiple checks by the finance and dealership. Still no lift. Thursday: First I went on line and again LIFTED FREEZE. Called them to complain and to verify. First I was told that the supervisor was unavailable and I could wait or get call back. Decided to try to talk to MEKHI who answered the phone. After going thru their questions, again! He told me it showed that my freeze was lifted. I complained about the multiple problems and said they were at fault. When I asked for MEKHI's employee number, then Lo & Behold, the supervisor comes on the line. (Thought he was busy?) He insisted it was not their error but the error of the GM Credit company. Then when I wanted to do their survey, I was disconnected. I hope I never have to do that again. I am signing up for LIFELOCK and getting rid of these freezes.

This company is a awful awful company. I sued this company in 1990 for falsely reporting my debts again this company is reporting debt that is not my debt but in fact isy sons debt. The lawsuit was for 1 million dollars, at the time I agreed to set aside the judgement and Equifax agreed they would correct my credit report and confirm in the future any negative reports before releasing them. Recently I have found false debt and in fact addresses I have never lived at on my report. Equifax is in direct violation of the agreement that was signed in 1990 and currently are liable for the 1 million dollars they agreed to pay if and when my credit report was ever in correct again. It is a problem fact Equifax had a security breach and are dragging their feet on resolution however they also as does capital one use robotic answering systems so as not to talk to people unless you file litigation. Please be advised the companies who have pending litigation against them will never take responsibility for screwing up people's lives. Again this matter as well as capital one are preventing me from reuniting with my family. Take time to share with the public when you are wronged by these people