EQUIFAX Refusal to fix errors and resolve disputes Nationwide
For a few years in a row (between 2011 and 2015), I filed dispute claims which Equifax refuses to deal with. The same errors or disputed information remains on my Equifax credit report year after year. Both Transunion and Experian worked with me to clean up the errors in my reports, quite expeditiously I might add. As a result, my Equifax report/score has been about 100 points below the other two.
Since I compiled my dispute and error documentation when I first tried to get a "fair and accurate" report (the law entitles me to this), I simply submit the same documents of proof each time. In total frustration, I have given up on challenging them. One time I called and was answered by a woman in the Philippines with a heavy accent and who just insisted Equifax had the correct information. I asked to speak with a representative in the United States with prolific English; she said she would connect me. I got a ringing phone that no one answered and with no voice mail.
With credit reporting such a critical measure to our personal financial well-being, I find Equifax reprehensible, irresponsible, and in such flagrant violation of the law. How they get away with this almost brings me to tears. Their inaccurate report has cost me thousands over the years. I haven't a clue how to force them to do the right thing. I am elderly and disabled (which I'm sure they must know) and it is so exhausting to spend hundreds of hours on seeking what one is entitled to by law. I sometimes feel like they are engaging in elder abuse. I pray for a time when they are run out of business; or perhaps a time when we are allowed as consumers to choose just two of the credit bureaus for reference. If the Feds won't shut them down, I'm confident they will fail rather quickly as consumers refuse to use their services. They stand at the top of the mountain as THE worst frauds, schemers, and violators of the public trust. Just as a final and interesting aside, the law that established credit bureaus (and thus allowed operators like Equifax to exist) also states the first and primary obligation of the bureaus was to protect consumers. No, that is not a joke or fake news.