I had signed up for Equifax monthly service in the past - two other times. Both times I liked the level of service, the information provided, and ease of use of the website, but I hated how convoluted their cancellation process was. This time I signed up for Equifax monthly service because of specific concerns about my credit report. Once I didn't need it anymore, I figured I'd just call and cancel. I couldn't find a number on their site for this purpose, so I just called the "dispute something on your credit report" number and they quickly transferred me. It's still not fantastic and they seem to want to make it not super easy to cancel your account, but I feel like they have put some efforts into improving their product and processes so I have to give them credit for that. read more

Deceptive Practices, Dark Patterns, and a Trophy for the Worst Data Breach in U.S. History. While Experian and TransUnion make it reasonably easy to navigate their websites and find free services like a credit freeze, Equifax buries this legally mandated FREE service under layers of paid subscription ads. A credit freeze is free by law -- yet Equifax's website is deliberately designed to make you believe it's only available through one of their paid programs. It takes real persistence and digging to find what should be front and center. This is a textbook dark pattern -- a deliberate design strategy to confuse and mislead consumers into paying for something they're legally entitled to for free. It's deceptive, it's predatory, and frankly, it's an embarrassment for a company that positions itself as a guardian of consumer financial data. And let's not forget: this is the same company that holds the dubious distinction of the largest data breach settlement in U.S. history -- $575 million -- after exposing the sensitive personal data of 147 million Americans in 2017. More recently, the CFPB fined them again for botching consumer dispute investigations, reinserting previously deleted errors into credit reports, and sending out inaccurate credit scores. Exercise your right to a free credit freeze -- but do it elsewhere if you can. Do not spend a dime on Equifax's paid services. read more

I was a victim of ID theft about six years ago. The IRS and FBI told me to never share my DOB and Social Security number together in any personal paperwork unless I was guaranteed it was protected. For years, I have been requesting credit reports from the 3 reporting agencies online without any problems. Since a year has passed, it was time to request a credit report from Equifax. I still have the copy of last year's report from Equifax that I actually printed out from the online data. Equifax demanded that I send them my DOB and my SS# together in a letter, along with several other ID documents to verify my identity. I reported them to the Consumer Financial Protection agency bc I thought they were discriminating againt me since I was a victim of ID theft years ago. Equifax sent me the identical letter that I had to send this sensitive data thru the mail and not online like before where it was protected. Apparently, the people at Equifax do not understand how ID theft info is culled. All a person needs is your DOB and your SS# to steal your identity and open accounts or mortgages in your name. I cannot believe they are so stupid. And according to other clients, Equifax readily shares ALL of your personal data with third parties, which is illegal. If I were you, I would think twice abt counting on Equifax to protect your identity in any manner and would NEVER sign up for a service that asks me to surrender sensitive info that makes me vulnerable to ID theft. Idiots! There are two other REPUTABLE credit report agencies and are not the only game in town. read more

Equifax shares personal information with dozens of mortgage brokers without consumers' permission, including name, phone number and location of residence. Equifax should be investigated by the federal government for this unlawful sharing of private information. read more

Just morons. They want you to have more mortgages and loans and debt so they can monitor more data. If you have great credit and almost no debt except credit cards - and pay them off every month your rating is lower. The brain damage in the C-suite is amazing. Who would trust this firm? read more

They haven't updated my credit file since the credit breach in 2017, and I found this out in 2024.

Horrible customer service. Not able to log on into my account after paying. Uh, be put on hold for hours, horrible customer service.Horrible horribleHorrible, stay far away, go to the other two read more

trash customer service, inconvenient system, and they are not helpful at all. they will waste your time! they dont investigate correctly and lie read more

Equifax is great at collecting monthly dues but on a scale of 1-10, their customer service is a 2. I can not access my account and after 30 minutes with the first L1 customer service rep, 25 minutes with the second, I was told that my issue would have to be escalated to their L2 Technical Support. I expected to be transferred but instead I was told that I should receive a email within 1-3 business days to schedule a review of my issue by the L2 Technical Support team. I asked if there's no one available that can resolve my issue now, the response was that I had to be put on a list due availability....REALLY??????? read more

I would use a negative 5 star if... I would use a negative 5 star if possible! Have not been able to get logged into for a year. The same process happens everytime. Try to login, get locked out - call customer service - then get an email that says its resolved - answer the questions with my personal info in the link my equifax dot com - then get this message - Please give us a call We can't complete your request at this time. Please call the Customer Care team 1-888-EQUIFAX (1-888-378-4329) - then told by customer service that the TECH team will email me and no email ever comes - !!! Its an ever ending LOSING LAP!! HORRIBLE!!! Every call takes an hour or more on hold!! Cannot login to to acct to unfreeze and lock !! Date of experience: August 26, 2024 read more

Having dealt with all three credit rating companies for many years, I can say that Equifax is by far the worst. They have not improved since the massive 2017 breach. Their website is always down, they have limited phone customer service hours, and their online and telephone automated assistance always ends with "we are currently closed" or "mail [sic] to.... Atlanta.....]. Absolutely should be investigated by the banking and finance committees of congress. read more

Is it possible to give them a zero? I called over and over again trying to have a fraud alert added to my account after some papers were stolen from my vehicle. I finally had to chose options that didn't really apply in order to get someone in the line. After confirming there is fraud yet, they tried to seel me a $25 a month monitoring service. When I rejected this, I was told that my score would not be protected if someone was able to commit fraud with my identification and credit cards. Nice service! Glad I use several free services that notify me of any action on my name. Not to mention that calling Transunion was a dream.. One quick call, no sales pitch, no empty threats. read more

Terrible terrible firm that only wants to charge consumers $ to get rid of bogus info on their website. Federal government should shut down Equifax, Honesty is still the only policy, and Equifax should be required by law to follow. Credit scores for both myself and spouse have dropped from nearly perfect to 30 points lower for no apparent reason. We have no debt or mortgage, only small charges that are paid monthly. Go figure. read more

I called Equifax at their 888 number in order to have a credit freeze lifted while my lender verifies my credit score. The lender had attempted to get information before to no avail because of the credit freeze The call is automated and because I got to a point that I needed to speak with a Service Representative my call is transferred to a nice lady with a very heavy accent, she is in a call center in the Philippines, are you kidding me? I need to provide my entire Social Security number to someone in the Philippines? I am fully aware there is a lot of fraud going around in the US but why hire someone in a country thousands of miles away that then proceeds to ask me personal questions to identify me, which I am ok with, finally one of the questions is in regards to what credit card I closed in the past and how much was the balance before I closed the account. My response was that I couldnt remember what specific card I had closed and when but I was sure that the balance would have been zero. Se ask me for the name of the Bank that issued the credit card and I responded I didn't know and named 3 possible Banks or credit institutions and then she proceeded to tell me that I had failed to identify myself, are you kidding me? it is a gotcha question I cant call Atlanta because the call is routed to again some call center in India. No wonder there was a data breach with a large settlement against Equifax. I can't complain to anybody. That is the reason why I have a credit freeze, for things like this. In the next few days and while my freeze has been lifted I will have to monitor my credit very closely with the other bureaus. I will now have to do it online to deal with this banana republic credit bureau and unfortunately I can't say I wont use them again because whether I like it or not they have me by the Minus 41 stars for this racket read more

Equifax is reporting 30 points below all other reporting agencies. When I looked at their system, I found out that they list a different Social Security number with my account, AND roll both my debt and theirs together. I filed a dispute and some system must have auto-removed the issue. I was never contacted about it. 4 months later, Equifax sent an email that said they resolved the issue and reverted the account to having the WRONG SOCIAL SECURITY NUMBER. They never even tried to contact me with investigation but have sent me at least 1 spam email a day since I had to sign up to dispute this. This company is a scam that should have their credit reporting abilities removed. UPDATE: I finally got a hold of Equifax, only when I gave them the wrong SSN, and they told me that there's nothing they can do unless I mail them my sensitive documents, and they can't guarantee any resolution. I should just mail them and hope they approve it. Even though THEIR SOFTWARE is literally a problem, they will not acknowledge failure. read more

What a scam equifax is. Try to get a representative...good luck. Their phone line will drop you randomly, by design. The Work Number portal is a scam. They provide third parties your work and salary information. They say they have a process to freeze your account but it doesn't work. This company is scum. read more

This company constantly tries to get you to sign up for a monthly monitoring with "Boost". You must select NO to a pop up each time you log in or you will be charge for a new membership ($24.99) without even knowing. Those boost points will stay on your credit as long as you continue to pay Equifax each month for that membership. As soon as you cancel your Equifax accounts, all these boost Fico scores you worked so hard for will disappear. A complete scams while acting like they are helping you "monitoring". AVOID!!!!! read more

If I could give Equifax no stars, I would. They are the worst!!!!!! The information they ask me to verify is not correct, but since I can't answer their questions, I cannot even speak to a customer service rep. This company is not user-friendly and is more than a major pain just trying to speak to someone. I have my user name and password, but when I try to log in, it asks me to call customer service. But, I can never get to the point of speaking to a live person. read more

Equifax is the worst! I have fought with them more than once. I even have my bureau frozen. I've changed my email address and password several times. I unlocked my credit for 24 hours, and within that time someone went in and changed my information again, and I can't access my freeze anymore. When you call them, it's extremely difficult to actually talk to someone. Perhaps there's someone on the inside? How else could someone get in that fast and lock me out? read more

I received an email from Equifax today "How much would you pay for better control of your credit?" "Our newest product is packed with important features, to help you take control of your credit - all forthe low price of $4‌.95 a month." OUTRAGEOUS!!! I did not give Equifax permission to collect and store MY personal data. I did not guve Equifax permission to use or sell MY personal data. No consumer should have to pay any company to access or control their own data. How has Equifax managed to legally collect, store, use and sell consumer data?! How has Equifax managed to legally charge a consumer to access and control their own data?!?!! read more

Beware! Customer service is overseas. When you call, you will speak to an overseas agent. When you ask them about it, they have been instructed not to disclose that they are overseas or verify that they are outside the USA. You must "verify" your identity with these "agents" including all vital statistics and social security number. How safe can our information be when it's being transmitted and accessed offshore? How well are these "agents" vetted with background and security checks for our protection? When filing a dispute, do not do so over the phone. They are supposed to detail report exactly as stated by caller. However, language barriers cause many problems. Request a supervisor! Be advised the supervisor, who is US based, confirmed the overseas offices. Supervisor representative also confirmed the electronic notification of creditors related to any disputes. Both the overseas and US based representative suggested, encouraged and at times impaired the dispute process by strongly advising to contact the creditor regarding the dispute directly. FYI: In most cases, that resets the debt clock. They know this. Clearly there is no impartiality and the collusion between Equifax and creditors seems obvious. read more

i would give them zero stars... horrible. there is no customer service. they never answer the phone. they have a wrong credit score and several names on my account. how are they allowed to do business like this. it is shameful. read more

If I could leave a negative star, I would. This company doesn't have any customer service or reasoning capabilities. I filed a dispute on an account with all three credit companies. Transunion as well as Experian were quick to respond and handle the situation responsibly and quickly. Equifax has lagged provided very weak excuses for their inefficiency. It's a shame that any company uses their credit scores as reliable means to gauge an individual. Wouldn't lose sleep if this company shut down today. read more

After 2.5 months (6 calls) and a Better Business complaint, Equifax has been unable to determine a root cause and resolution for me to access my security freeze. The lack of customer service is extremely disappointing. I would not recommend purchasing any product from Equifax...it's just not worth it, the cost is too high in frustrating customer service. read more

My Question in 2016 to government (Consumer Financial Protection Bureau): how can you allow this horrible company being one of three credit bureaus and control millions American's confidential information? I highly suspected Equifax's call center and part of customer services department was located in foreign countries in order to save labor cost. The system security can be very risky in giving unprofessional staff access to U.S. residents' privacy information. ------------- Top News Updated on September 7, 2017: "Equifax announces cybersecurity incident; 143 million Americans potentially affected." read more

Equifax - Equifax, controlling millions people's top secret, your Chief Security Officer only has a major in Music Composition? - Banks & Credit Unions Near Me - Atlanta, Georgia

So they take my most private information without my permission, then let it get stolen by hackers, putting me at financial risk... well, forward! What a great company! Thanks, guys!! read more

Equifax - Banks & Credit Unions Near Me - Atlanta, Georgia

I cancelled this service because I did not see any value. 2 months later I noticed that they were still charging my credit card so I called and was placed on a 35 minute hold while they "Looked up my account". they then claimed that I never cancelled so I showed them the letter they sent. In the end they refused to refund the 2 months. Do NOT sign up for this service. read more

My rating for Equifax is ZERO. They have crap customer service. I spoke to some foreign digbats. I requested my free report filed out all required info online and the said they would email with a verification code. I received the email without the code two times. And both time the email said heres your code. But there was no code. I called for help and no help. To think you have all that information and they are so disorganized. What a shit show. read more

I called 888-298-0045 customer care to do a temporary lift on a credit freeze. The recorded voice asked 4 id questions and 3 credit report questions from the past 5 years credit report. I couldn't answer the credit report question so I got stuck in the loop and can't get a hold of a life person. I made several attempts by calling different Equifax number but can't get a life person. I went to myequifax to create an account to request temporary lift of credit freeze. After I entered the same id info, the website replied I already have an account. So I requested to reset password, but it told me I don't have an account. I tried to create an account by entering the same info, but it tell me to call customer service. I would give it a minus 3 rating. I spent an hour on the phone and 30 min online and couldn't solve the problem. This company is a joke and don't care about their customers. read more

I was on hold for 15 minutes, and the computer answering machine kept asking for numbers and personal info after I requested a live person and finally got transferred to a live person. but the live person was worse and asked for the same questions I have already answered. And he told me that I don't have an account which was BS. Finally, ButI was able to log in and check my account. read more

for the last 7 years I have been locked out of my account. They will not give me a reason why and I have an excellent credit score ,wtheck?

Among the absolute WORST of what American financial institutions have to offer. Customer service is incompetent, score calculations are arbitrary, sensitive data has been proven time and again to not be safe with these clowns. Honestly not sure how anyone that works here is able to look themselves in the mirror in the morning. You don't deserve to be a company, you deserve a thorough investigation into your shoddy practices and should file for dissolution. ...frankly, the mere existence of your organization sickens the American public. read more

I'd give no stars if I could,don't ever change your phone number. It's the biggest hassle. They ask the most irrelevant security questions that have nothing to do with anything. My account is through work so I'm stuck with them or I'd go somewhere else. Fuck T Rowe Price read more

Garbage company, steals your info then wastes your time. Don't listen to the machine on the phone saying you can manage online, it doesn't work and redirects you to their 9-5 customer service line. I called the line to lift a freeze and they never asked why I was calling and after I confirmed identity they notified me a freeze was placed.... What?! I already had a freeze, I'm calling to lift it, now I have to wait an extra day to pull credit and move on with my life. They hire overseas and use automated answering systems yet they're making money off your back. read more

I hope to see the executives of Equifax go to prison. They mishandled half to two-thirds of Americans' personal data, and allowed it to fall into hackers' hands. We're talking your personal info, like social security numbers, address history, credit history, mother's maiden name, etc. The whole thing that is supposed to keep Americans' credit safe. All the safeguards were all released to the hacking community. There's a good chance that because of this company's negligence, your personal data is being sold on the Dark Web for pennies. When Equifax found out about this breach, did they immediately come clean and help people overcome this hardship? No! They sat on the info, and the executives quietly sold off their stock to profit before the bad news was released. Then, once they released the info, they tried to charge you, or make you sign away your rights to sue to protect yourself. Personally, I don't want Equifax to track my personal financial transactions, but have no way to opt out of their 'service.' At this company, you're not the customer, you're the product they're selling, and they're doing a really, really bad job at it. I hope the executives get prosecuted and spend their lives in prison. This company needs to be shut down. read more

Be warned this is a very incompetent and poorly managed company responsible for reporting vital and critical credit information of US public. they do not follow Federal Guidelines and to save money recruit and hire their workforce cheap labor over seas compromising you safety and security. The problem is they do not have the competency to investigate and correct errors or report accurately in a professional manner in a timey fashion. Their customer service are over seas and do not speak or understand English very well. They are not well trained and do not know how to handle requests. Not to mention there are serious security concerns dealing with out of country foreign entities. The other two agencies ( Experian and Transunion) are by far more competent and better managed and superior to EQUIFAX. My experience with Experian and Transunion was pleasant but with Equifax has been veryfrustrating, tiring and horrific. In my view the management of EQUIFAX needs to be replaced or seriously shaken up so they act more competently reporting critical information about American Public. I believe EQUIFAX is a major liability to national security as it is not capable to provide accurate information. Report EQUIFAX to FTC (Federal Trade Commission) so they can correct their horrible and inaccurate service. read more

I generally don't like leaving negative reviews, but I'm making an exception because this is a truly terrible company. Their website is very buggy and very difficult to login to. It will tell you your password is incorrect (when it's definitely not) and also give you problems when you go to unfreeze your credit. Usually the website will only give you one option when you run into problems, which is to call their customer service. In my experience, their customer service has been very poor and unhelpful. Not to mention their hours are very limited and you have to wait on hold for long periods of time before getting a representative. This is a BILLION dollar company that can't even invest in a properly functioning website or good customer service. It's clear this company puts profits above its customers. read more

Asked me to update my credit card when I had cancelled service 5 years ago. Clumsy lengthy Id process. Web site was defective also.

How can you advertise a webpage to help you find out if you have been taken advantage of or have your personal info leaked? How can your security phone number for customer service always be busy??? I thought robots were in control of everything but obviously their robots need to be put on unemployment! I am seriously!!! I have called 6 times and you want me to put my social on the internet? No thanks..... I would have given the benefit of the doubt and gave them a good rating for customer service if they could at least put me on hold for an hour but I guess that is not possible! I have to wait like 10 mins to talk to someone live whenever I call a big institution and now the option to talk to someone live I cannot even have? F- read more

THE WORST. I have been a subscriber for last five years and found out that my data has been breached. No communication from Equifax and what is worse they will not refund my subscription. The CEO also sold stock after they knew about the breach. Wish there was a negative star for reviews. read more