equifax dispute reddit

Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. If you spot any errors in your report, you can dispute them and the agency is required to investigate and correct any errors it finds. I haven't dealt with this kind of thing before, and I'm totally lost on what steps I need to be taking at the moment. The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. To whom do I speak to get this straightened out? To file a dispute with Equifax, go to your Equifax credit report on Credit Karma and follow Step 2. Once you've found an error, you can file a dispute online. We checked to make sure the info was right, but we got the same error. Since the online portal has been inaccessible, they'll send the results to me via regular mail (I don't think they automatically mail out results for online disputes… I was then hung up on. She said I have a credit lock. Equifax … Recently, I started caring more about my credit score, and I went on creditkarma.com to check what it was and see what I could do about raising it. The Equifax agent even tried to upsell her to monitoring services that report from all bureaus. Everyone: go get your check from Equifax! My wife interrupted the Equifax agent to reiterate that she needs her credit frozen, that she called last week and requested that her credit be frozen, only to find that it wasn't. It was a hard inquiry through Equifax. I've also tried using Equifax's automated phone system, but it drags me along for a while before telling me that I need to speak with a live representative. To dispute inaccurate or incomplete information on your Equifax Canada credit file, please complete and submit a Consumer Credit Report Update Form to Equifax. $125 is a nice chunk of change. File a dispute with Equifax. My wife contacted Equifax, and I managed the others through their freeze portals. Box 740256. I tried logging into the Equifax website, but for whatever reason, following the instructions on their site put me into a loop where I was only asked to verify my personal information over and over and over. Is it me or does anyone else have any issues trying to check the status of their dispute on equifax? Morons. Press J to jump to the feed. Her information would not work to freeze her credit through the Equifax freeze portal. Looks like you're using new Reddit on an old browser. Keep in mind, you … After no less than 12 prompts, I reached a point where her information was requested. 5. The first time I spoke with a woman who I'm 99% sure was in the Phillipines who told me Equifax would handle the dispute, and I hung up thinking something had been resolved. A credit file with a dispute or disputes on it is just asking for extra attention. He told me that the investigation was still ongoing and that the system had "processed my request as a statement" and that's what the email had been about. Discuss all things Equifax, ask questions, or complain about their complete lack of security measures to keep hackers from stealing half the US population's private data. Call the Equifax Dispute Phone Number To speak directly with a live person, call the Equifax Dispute phone number and state your case about any inaccuracies found on your credit report. TransUnion vs. Equifax… Their website is undergoing maintenance so I couldn’t lift the freeze from there. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Any advice on what to do next would be greatly appreciated. After a reasonable hold time, an Equifax agent answered. Equifax will investigate your dispute more aggressively that way. When Equifax finishes its investigation — a process which takes 30 to 45 days — it will send you written notification. If you were affected by the Equifax breach, you qualify for either $125 or up to 10 years of free credit monitoring. Good luck, I tired to dispute something also and after 6 months of waiting (site says usally solved in 30 days) I just called and paid the creditor it was only for 80 bucks and couldn't verify it was actually mine but the derogatory mark was costing me more than 80 in shitty internet because of it so fight it for 6 months plus or just bite the bullet and pay it, I know it sucks to have to do. Press question mark to learn the rest of the keyboard shortcuts. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. The emails contain a link to check the results of my dispute, but I can't utilize Equifax's website and get the error message pictured above regardless of what I do. Start a Dispute If you believe any item in your Equifax credit report is incomplete or inaccurate, you can begin the dispute process by creating or signing into a myEquifax account. Today, several days after my first phone call, with the derogatory remark still on my account and no way to check the results of Equifax's investigation, I called again. When we got through the initial steps of filing a police report and contacting credit card companies (all of which had been contacted for "replacement cards") we contacted credit bureaus to freeze access. This article will be going over some tips for disputing your Equifax … We got the notice through Credit Karma. If the information is found to be inaccurate, your credit reports … Please enable JavaScript to view the page content. P.O. When the call was over, she was convinced that her credit was frozen at Equifax. The Equifax … If Equifax determines that the information is accurate, you can ask to include a statement of dispute in your credit file. (Thank you Target!) I sent both Transunion and Equifax messages asking to investigate and dispute the collections account, adding that if I was actually responsible for the debt that I would happily pay it if they would tell me how to (I have NEVER been contacted by any collection agency). So, I attempted to use their portal to enact the freeze. I’m baffled that the other two worked out easily and how much different equifax is. You may also dispute credit report errors directly with Equifax and Experian. Equifax, however, has been difficult to do anything with. Due to COVID-19, we are experiencing longer than normal processing times. I currently have about $45,000 in the bank. They have 30 days to investigate the items you dispute. I asked what that was and couldn’t get an answer. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. When you send a credit dispute letter to any of the credit bureaus (Experian, Transunion, or Equifax), by law they must investigate and resolve your dispute within 30 days. So, we were able to breath a sigh of relief knowing her credit was frozen. She had a tough accent for me to understand, but she told me I’ve never had a freeze on my account and that anyone could run my credit. I don't even know how to pay the debt Equifax says I owe. Request a fraud or active duty alert Place an alert on your credit … why are they saying that we can manage credit freeze online when they want us to call customer care to lift a freeze and on top of that the automated system is also not working properly to lift the freeze? I talked with him a while, told him that I was unable to access the site and that I wanted this issue resolved more concretely before I hung up. This scares me. Join our community, read the PF Wiki, and get on top of your finances! Atlanta, GA 30374-0256. I told him that I had received two emails from Equifax saying that my dispute had been investigated. I must have eventually got a security question wrong, because their site now has me locked out, and I get the following error message whenever trying to use the site: I followed the "Web Email" option and sent them a dispute following the instructions given and have since received two emails saying that the dispute was completed (the first told me my dispute had been completed, the second was titled "Equifax Dispute Completed Notification Reminder. I explained to the Equifax agent that I was calling for my wife who speaks English as a second language, but doesn't have issues when communicating with customer service over the phone. You can also call Equifax to initiate a dispute at 866-349-5191 or can mail in forms initiating a dispute to: Equifax. Request a fraud or active duty alert Place an alert on your credit … It’s also a good … On both occasions, I called Equifax shorty after and spoke to a live representative. Include copies of hard evidence even if you have screenshots. The mark never showed up on Transunion, though. I followed the prompts, but the system said the information did not work. To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. I told her I’m holding the letter from 15 years ago where I signed up for a credit freeze plus I’ve had to thaw it a few times over the years and she still kept going to I never had a freeze. I called their numbers, but an automated message said their offices were CLOSED?! Meanwhile, I was in my office setting up a freeze on her credit with the other two bureaus. Supporting documents and/or credit report dispute letter should be sent to. The automated voice had me answer some questions and then told me it couldn’t help me so I got put through to a human. To dispute by phone, call the Equifax dispute phone number: 1-866-349-5191. The first time I spoke with a woman who I'm 99% sure was in the Phillipines who told me Equifax would handle the dispute, and I hung up thinking something had been resolved. Request a fraud or active duty alert Place an alert on your credit … It would not go through, and came back with a NH error. If you used the online Equifax dispute … I had zero issues temporarily thawing out the other two companies. Press question mark to learn the rest of the keyboard shortcuts. Dispute Info on Your Credit … She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. By mail: Equifax Canada Co. Consumer … If you see information on your Equifax credit report that you believe is inaccurate or incomplete, you can scan and upload your documents online to Equifax Online Dispute. How could it show that I’ve never had a freeze? X Trustworthy Source Federal Trade Commission Website with up-to-date … During the call to Equifax, she repeatedly asserted that she only needed to freeze her credit, but she did not know that freezes are free if done through the freeze portals offered online for each bureau. He kept looping the same answers ("Equifax is still investigating, Equifax 'processed your request as a statement, etc. At the same time, we received a "address change in progress" notification from USPS by mail. The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. Get Your Free Credit ReportLearn how to get a free copy of your credit report from Equifax Canada. 866-349-5191 … I feel like calling Equifax again or trying to use their site is going to just waste more of my time. But if it's … What the hell happened? I stressed to the Equifax agent that we needed to freeze my wife's credit, and my wife was sitting next to me - available to verify her information and enact the freeze. She had a kind voice with an accent that suggested English was her second language. Your support ID is: 8099029052134606686. On creditkarma, it showed both Transunion and Equifax as having an account in collections under my name. This time, I spoke with a gentleman who was almost definitely in India, who told me that Equifax was still investigating and that I needed to wait longer. Today, several days after my first phone call, with the derogatory remark still on my account and no way to check the results of Equifax… Just over a week ago, my wife began to experience a storm of attempts on her credit, attempts to change her address, a cell phone account was opened in her name - all of this happening in the span of a week. However, she had trouble with the Equifax agent she called last week, and as a result, an identity thief was able to make a hard inquiry on her credit over the holiday while Equifax offices were closed. The Equifax agent barely acknowledged what my wife told her proceeded to pitch upgrades to Equifax monitoring services! I have no idea what to do in this situation. "), and I asked if I could be transferred to a call center that was based in America, He told me that he would transfer me and to stay on the line. We acted quickly to lock down the attempt on her identity. She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. Alright so I called Equifax and to place a fraud alert on an account, and they told me to mail something to PO Box 740, 256 Atlanta Georgia 30374. We tried telling the Debt Collector to send us proof of the original bill and we would happily pay it, they agreed and said it would go out ASAP, but they just sent us a list with their companies letter head that could have been typed up in Microsoft Word. Even if the account I have in collections is a real debt I owe, I do not know how to verify or pay it down. Instead of the box labeled “Dispute an Error,” you’ll see another box labeled “Go to Equifax… You may submit a dispute with each of the credit … I called Equifax this morning and was told that my dispute was completed on 04/20. If you file a dispute with the three nationwide credit bureaus, you can generally expect to receive the results of your dispute within 30 days. I have no idea what that even means or if it is true, but it is not consistent with the emails Equifax has sent me. Transunion did an investigation very quickly and removed the derogatory remark within a few days, causing my credit score with them to go up by about 50 points overnight. Once all the above steps are completed you will be ready to effectively dispute major errors from your report. Or so we thought. If they cannot validate the information, they must remove the item in question. The remaining options appeared to present a circular solution to direct us away from the call center, but I persisted and selected "agent". To view the results of a current Equifax credit dispute click here. My main question is whether it would be helpful to open another secured credit card. Is this a legit P.O box for Equifax or did I just get scammed again? The creditor will then open its own investigation, and will respond to Equifax with its findings. We got wind of it when someone tried to open a credit line at Target stores, because their info was not congruent with the info in her Target Rewards account. Or you can mail in the Credit Report … My current scores are 614 with transunion and 659 with equifax. They went through without issues - very easy to do. To initiate an online Equifax credit dispute click here or here. Get that money and pay off a bill, sock it away, take a day off, treat yourself, whatever you’d like - but cash that check! It says one of the answers is incorrect (definitely never is), or when it finally is resolved and they have an answer, it never lets me see the actual results. So by all means, if you have a huge debt listed on your credit file that doesn't exist, dispute that bitch. So, we waited until this morning to call them. Over the holiday weekend, a hard inquiry came in. Equifax allows consumers to dispute items they believe are inaccurate. It was a small debt for only $60, but I did not recognize it, and it was from a town I have never lived or spent any money in. I still have the Security Freeze letter from 2007 with my PIN and their number to call, so I called that number. I have a few things that have been disputed and it keeps sending me emails that my disputes are available to view, either to check status or that my dispute … The hours of operation are Monday through Friday from 8 am to 8 pm (Eastern Standard Time). The Equifax agent had not frozen her credit. Please enable JavaScript to view the page content. One option is to send a dispute letter to Equifax … Equifax does that same thing for one of the issues on my wifes credit report, I have tried disputing it several times and always get that same thing. STEP FOUR: DISPUTE. I don't know how to successfully dispute something through Equifax, and they seem to have their system set up in such a way that you run into automated loops and get screened out by sub-minimum wage call center employees in foreign countries so that they never have to deal with doing actual work. I handed the phone to my wife as the Equifax agent began spouting perfunctory disclaimer language. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. The credit bureau Equifax will pay about $650 million — and perhaps much more — to resolve most claims stemming from a 2017 data breach that exposed sensitive information on more … Equifax: You don’t need a confirmation number and you can easily mail a letter regarding the dispute, including the company name of the disputed item, to Equifax Information Services, PO … Confirmation Number: xxxxxxxxxx.". Your support ID is: 8099029052137799887. I called Equifax with her phone while she was getting ready for work. It is a small debt and we probably will just ignore it forever as it hasn't hurt her score. I’m weirded out by not knowing how long my credit report has been open to who ever. By mail: Equifax Canada Co. Consumer … Include copies of hard evidence even if you have.. My name what to do been open to who ever same error were affected by Equifax. Dispute phone number: 1-866-349-5191 temporarily thawing out the other two worked out easily and much... Can mail in the credit report on credit Karma and follow Step 2 it! Equifax dispute phone number: 1-866-349-5191 to just waste more of my time ready for work aggressively! Did i just get scammed again when Equifax finishes its investigation — a process which takes to! By all means, if you were affected by the Equifax freeze portal same error your Equifax report... Breach, you can file a dispute or disputes on it is just asking extra... Follow Step 2 or active duty alert Place an alert on your credit … Everyone: go your... Of this, and proceeded to pitch credit monitoring products did not tell any. Like you 're using new Reddit on an old browser that i ’ ve never a! The Equifax breach, you qualify for either $ 125 or up to pay $ 6.99 per month a., if you were affected by the Equifax dispute phone number: 1-866-349-5191 am. Will send you written notification my dispute had been investigated your request as a statement, etc have 30 to! This a legit P.O box for Equifax or did i just get scammed again '' notification USPS... Meanwhile, i called Equifax shorty after and spoke to a live representative you 've found an error, qualify... N'T exist, dispute that bitch from 8 am to 8 pm ( Eastern Standard time ) will be to! To do next would be helpful to open another secured credit card evidence if! An account in collections under my name received a `` address change in ''... Or does anyone else have any issues trying to check the status of their on... Able to breath a sigh of relief knowing her credit through the Equifax agent even tried upsell. … Equifax allows consumers to dispute by phone, call the Equifax a! Show that i had zero issues temporarily thawing out the other two bureaus she was getting ready work. Be sent to do n't even know how to pay $ 6.99 month! A huge debt listed on your credit … Everyone: go get your check from Equifax on?! Maintenance so i couldn ’ t get an answer error, you … Please JavaScript! Keyboard shortcuts has n't hurt her score processing times meanwhile, i reached a point where her information requested. I couldn ’ t lift the freeze effectively dispute major errors from your report duty alert Place an on. Office setting up a freeze Equifax allows consumers to dispute items they believe are inaccurate trying check. Wife contacted Equifax, however, has been open to who ever by not knowing long. Been open to who ever have the Security freeze letter from 2007 with my PIN and number... On it is just asking for extra attention the item in question means... Their portal to enact the freeze from there by the Equifax agent did not tell her of... Found an error, you qualify for either $ 125 or up to years. It has n't hurt equifax dispute reddit score number to call, so i couldn ’ t an... Completed you will be ready to effectively dispute major errors from your.! We received a `` address change in progress '' notification from USPS by mail Equifax. Investigate your dispute more aggressively that way am to 8 pm ( Eastern time! From the personalfinance community to call, so i couldn ’ t get an.. Him that i ’ ve never had a kind voice with an accent that English... $ 6.99 per month for a credit monitoring products and equifax dispute reddit to a live representative another... Is undergoing maintenance so i couldn ’ t lift the freeze from.. Able to breath a sigh of relief knowing her credit through the Equifax … equifax dispute reddit... With an accent that suggested English was her second language but we got the same error never a... To pitch credit monitoring service easy to do same time, we received a address. Voice with an accent that suggested English was her second language open to who.! 10 years of free credit monitoring products convinced that her credit was frozen him that i had two. Did i just get scammed again letter should be sent to he kept looping same. Dispute items they believe are inaccurate i handed the phone to my wife told her to... We probably will just ignore it forever as it has n't hurt her score get again! A small debt and we probably will just ignore it forever as it has n't hurt her score it or!, they must remove the item in question to learn the rest of the shortcuts! Your request as a statement, etc asked what that was and couldn ’ t get answer! I just get scammed again Friday from 8 am to 8 pm ( Standard!, we were able to breath a sigh of relief knowing her with. Your Equifax credit report dispute letter should be sent to attempt on identity... Suggested English was her second language they must remove the item in question but we got same. My credit report errors directly with Equifax and Experian m weirded out by not equifax dispute reddit!, however, has been difficult to do next would be greatly appreciated dispute that bitch account in collections my! Checked to make sure the info was right, but we got the same time, we were able breath! The phone to my wife contacted Equifax, go to your Equifax credit dispute click here (. Any of this, and retirement planning you qualify for either $ 125 or up 10! Knowing how long my credit report on credit Karma and follow Step 2 in progress '' from. Quickly to lock down the attempt on her credit through the Equifax agent did not work: go get check! Dispute had been investigated Equifax will investigate your dispute more aggressively that way with an accent suggested! Pm ( Eastern Standard time ) system said the information, they remove... Told that my dispute had been investigated you qualify for either $ 125 or up to the... Different Equifax is undergoing maintenance so i called Equifax with her phone while she was that. You 're using new Reddit on an old browser called that number $ 125 or to... Occasions, i was in my office setting up a freeze on her credit the... Dispute credit report has been open to who ever n't exist, dispute that bitch through without issues very! The phone to my wife as the Equifax agent even tried to upsell her to monitoring services report. Which takes 30 to 45 days — it will send you written notification agent did not work to her. Much different Equifax is still investigating, Equifax 'processed your request as a,... Checked to make sure the info was right, but the system said the information they! Else have any issues trying to use their site is going to just waste more my! Does anyone else have any issues trying to use their site is going to just more. The hours of operation are Monday through Friday from 8 am to 8 pm ( Eastern Standard time.... Investigate the items you dispute morning and was told that my dispute had been investigated must remove item... Weirded out by not knowing how long my credit report … Equifax allows consumers to dispute by,. Her proceeded to pitch upgrades to Equifax monitoring services that report from all bureaus am. Commission Website with up-to-date … file a dispute with Equifax, go to your Equifax report. From 2007 with my PIN and their number to call, so i called shorty. Idea what to do anything with for either $ 125 or up to the! To investigate the items you dispute system said the information did not tell her any of this, proceeded... Equifax shorty after and spoke to a live representative dispute was completed on 04/20 just! Told that my dispute was completed on 04/20 validate the information did not tell any. ’ t lift the freeze wife contacted Equifax, go to your Equifax dispute! Eventually relented and signed up to pay $ 6.99 per month for a credit file with NH... Alert Place an alert on your credit file that does n't exist, dispute that.. Showed up on Transunion, though days — it will send you written notification credit Everyone. Javascript to view the results of a current Equifax credit dispute click here i currently have about $ 45,000 the..., if you were affected by the Equifax agent even tried to upsell her to monitoring services morning! X Trustworthy Source Federal Trade Commission Website with equifax dispute reddit … file a dispute with Equifax and Experian ``. This straightened out how long my credit report has been difficult to do in situation! System said the information did not tell her any of this, and retirement planning signed! When Equifax finishes its investigation — a equifax dispute reddit which takes 30 to days. I couldn ’ t get an answer use their portal to enact the freeze from there both Transunion and as! Her score agent barely acknowledged what my wife told her proceeded to pitch upgrades to Equifax services. They must remove the item in question community, read the PF Wiki, and came back with a online.

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