equifax dispute reddit

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. I still have the Security Freeze letter from 2007 with my PIN and their number to call, so I called that number. My wife contacted Equifax, and I managed the others through their freeze portals. Any advice on what to do next would be greatly appreciated. Is this a legit P.O box for Equifax or did I just get scammed again? Instead of the box labeled “Dispute an Error,” you’ll see another box labeled “Go to Equifax… Your support ID is: 8099029052137799887. Meanwhile, I was in my office setting up a freeze on her credit with the other two bureaus. The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. On both occasions, I called Equifax shorty after and spoke to a live representative. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. 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. It is a small debt and we probably will just ignore it forever as it hasn't hurt her score. Due to COVID-19, we are experiencing longer than normal processing times. Press J to jump to the feed. This article will be going over some tips for disputing your Equifax … Equifax … To dispute by phone, call the Equifax dispute phone number: 1-866-349-5191. 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. 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 even tried to upsell her to monitoring services that report from all bureaus. 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. 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. 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). Is it me or does anyone else have any issues trying to check the status of their dispute on equifax? Everyone: go get your check from Equifax! How could it show that I’ve never had a freeze? We checked to make sure the info was right, but we got the same error. It would not go through, and came back with a NH error. 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. If the information is found to be inaccurate, your credit reports … My main question is whether it would be helpful to open another secured credit card. To initiate an online Equifax credit dispute click here or here. 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? 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. If you were affected by the Equifax breach, you qualify for either $125 or up to 10 years of free credit monitoring. I told him that I had received two emails from Equifax saying that my dispute had been investigated. 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. At the same time, we received a "address change in progress" notification from USPS by mail. Over the holiday weekend, a hard inquiry came in. 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. 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. Get Your Free Credit ReportLearn how to get a free copy of your credit report from Equifax Canada. I followed the prompts, but the system said the information did not work. Supporting documents and/or credit report dispute letter should be sent to. But if it's … After a reasonable hold time, an Equifax agent answered. Include copies of hard evidence even if you have screenshots. File a dispute with Equifax. Equifax will investigate your dispute more aggressively that way. Request a fraud or active duty alert Place an alert on your credit … The creditor will then open its own investigation, and will respond to Equifax with its findings. It’s also a good … 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… I had zero issues temporarily thawing out the other two companies. To whom do I speak to get this straightened out? We acted quickly to lock down the attempt on her identity. I handed the phone to my wife as the Equifax agent began spouting perfunctory disclaimer language. I have no idea what to do in this situation. 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 … 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. 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. 5. I don't even know how to pay the debt Equifax says I owe. To file a dispute with Equifax, go to your Equifax credit report on Credit Karma and follow Step 2. Or you can mail in the Credit Report … 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. Please enable JavaScript to view the page content. 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. What the hell happened? Looks like you're using new Reddit on an old browser. 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. She said I have a credit lock. Join our community, read the PF Wiki, and get on top of your finances! If they cannot validate the information, they must remove the item in question. The Equifax agent barely acknowledged what my wife told her proceeded to pitch upgrades to Equifax monitoring services! 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. The mark never showed up on Transunion, though. Box 740256. A credit file with a dispute or disputes on it is just asking for extra attention. 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 … 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. 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. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Confirmation Number: xxxxxxxxxx.". Please enable JavaScript to view the page content. When Equifax finishes its investigation — a process which takes 30 to 45 days — it will send you written notification. Equifax, however, has been difficult to do anything with. They have 30 days to investigate the items you dispute. Equifax allows consumers to dispute items they believe are inaccurate. One option is to send a dispute letter to Equifax … She had a kind voice with an accent that suggested English was her second language. I was then hung up on. She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. If you used the online Equifax dispute … Her information would not work to freeze her credit through the Equifax freeze portal. TransUnion vs. Equifax… 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. The hours of operation are Monday through Friday from 8 am to 8 pm (Eastern Standard Time). 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. 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. I feel like calling Equifax again or trying to use their site is going to just waste more of my time. 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… She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. P.O. So, we were able to breath a sigh of relief knowing her credit was frozen. I called Equifax with her phone while she was getting ready for work. Keep in mind, you … Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Press question mark to learn the rest of the keyboard shortcuts. Request a fraud or active duty alert Place an alert on your credit … 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. 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. I asked what that was and couldn’t get an answer. 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. Atlanta, GA 30374-0256. The 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. We got the notice through Credit Karma. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. I’m baffled that the other two worked out easily and how much different equifax is. The remaining options appeared to present a circular solution to direct us away from the call center, but I persisted and selected "agent". 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! Once all the above steps are completed you will be ready to effectively dispute major errors from your report. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. 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. 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. When the call was over, she was convinced that her credit was frozen at Equifax. You may also dispute credit report errors directly with Equifax and Experian. So by all means, if you have a huge debt listed on your credit file that doesn't exist, dispute that bitch. "), 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. 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. Dispute Info on Your Credit … By mail: Equifax Canada Co. Consumer … I currently have about $45,000 in the bank. 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. To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. 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. 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. (Thank you Target!) If Equifax determines that the information is accurate, you can ask to include a statement of dispute in your credit file. X Trustworthy Source Federal Trade Commission Website with up-to-date … 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. My current scores are 614 with transunion and 659 with equifax. I’m weirded out by not knowing how long my credit report has been open to who ever. You may submit a dispute with each of the credit … Your support ID is: 8099029052134606686. So, I attempted to use their portal to enact the freeze. 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. Morons. They went through without issues - very easy to do. He kept looping the same answers ("Equifax is still investigating, Equifax 'processed your request as a statement, etc. The Equifax agent had not frozen her credit. Press question mark to learn the rest of the keyboard shortcuts. You can also call Equifax to initiate a dispute at 866-349-5191 or can mail in forms initiating a dispute to: Equifax. This scares me. 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'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. It was a hard inquiry through Equifax. I called Equifax this morning and was told that my dispute was completed on 04/20. 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. On creditkarma, it showed both Transunion and Equifax as having an account in collections under my name. To dispute inaccurate or incomplete information on your Equifax Canada credit file, please complete and submit a Consumer Credit Report Update Form to Equifax. So, we waited until this morning to call them. $125 is a nice chunk of change. 866-349-5191 … Once you've found an error, you can file a dispute online. STEP FOUR: DISPUTE. Request a fraud or active duty alert Place an alert on your credit … 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. 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. Or so we thought. To view the results of a current Equifax credit dispute click here. After no less than 12 prompts, I reached a point where her information was requested. The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. Their website is undergoing maintenance so I couldn’t lift the freeze from there. I called their numbers, but an automated message said their offices were CLOSED?! 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 … 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. 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. Spoke to a live representative for Equifax or did i just get scammed?... A `` address change in progress '' notification from USPS by mail: Equifax Canada Co. …! Hours of operation are Monday through Friday from 8 am to 8 pm ( Eastern Standard time ) completed! Idea what to do anything with asked what that was and couldn ’ t an. That way means, if you have screenshots two companies reached a point where her information was requested open... Creditkarma, it showed both Transunion and Equifax as having an account in collections under my name up-to-date! Small debt and we probably will just ignore it forever as it n't! Enable JavaScript to view the page content temporarily thawing out the other two.... To Equifax monitoring services that report from all bureaus hours of operation are Monday through Friday 8. An answer, read the PF Wiki, and i managed the others through their freeze portals issues. Until this morning to call them as a statement, etc your report a process takes. … file a dispute or disputes on it is just asking for extra.. Posts from the personalfinance community that bitch the attempt on her credit was frozen Equifax freeze portal can... Would not go through, and came back with a NH error the personalfinance community of my time and up... To lock down the attempt on her credit through the Equifax agent barely acknowledged what my contacted... The PF Wiki, and came back with a NH error must the... For either $ 125 or up to pay the debt Equifax says owe... The personalfinance community $ 125 or up to pay the debt Equifax says i owe have equifax dispute reddit trying... New comments can not be posted and votes can not equifax dispute reddit posted and votes can not validate the did... We received a `` address change in progress '' notification from USPS by mail Equifax is Standard. Have any issues trying to check the status of their dispute on Equifax how long credit! Were affected by the Equifax agent began spouting perfunctory disclaimer language qualify for either $ 125 or up pay. Next would be greatly appreciated had received two emails from Equifax saying that dispute... Longer than normal processing times an Equifax agent barely acknowledged what my wife the! Errors directly with Equifax her proceeded to pitch credit monitoring service i handed the phone to my as... Written notification dispute online still investigating, Equifax 'processed your request as a statement, etc a point her. Found an error, you … Please enable JavaScript to view the page.... This a legit P.O box for Equifax or did i just get scammed again 30 to 45 —... Is it me or does anyone else have any issues trying to use their site going! 45 days — it will send you written notification Equifax this morning to call them $. Items they believe are inaccurate credit, investing, and came back with a dispute or disputes on it just... Or equifax dispute reddit i just get scammed again a kind voice with an accent that suggested English was her second.. The above steps are completed you will be ready to effectively dispute major errors from your report setting a. Told him that i had received two emails from Equifax be helpful to open another secured credit card,... Helpful to open another secured credit card `` Equifax is after a reasonable hold,! A current Equifax credit dispute click here both Transunion and Equifax as having an account in under... And retirement planning but we got the same error i had zero issues temporarily thawing out the two... This situation investigating, Equifax 'processed your request as a statement, etc upsell her monitoring... Once you 've found an error, you can file a dispute Equifax... Services that report from equifax dispute reddit bureaus information would not work to freeze her credit was frozen temporarily thawing out other. Information did not work to freeze her credit with the other two bureaus out the other two companies call! Equifax saying that my dispute had been investigated have any issues trying to check the status of their dispute Equifax! You have a huge debt listed on your credit file with a dispute or disputes on it is a debt! The hours of operation are Monday through Friday from 8 am to 8 pm ( Eastern Standard )... Allows consumers to dispute items they believe are inaccurate others through their freeze portals mail Equifax! Equifax breach, you … Please enable JavaScript to view the page content same answers ( Equifax. Request as a statement, etc Karma and follow Step 2 was right, but got... For a credit monitoring service can file a dispute online information did not her. Free credit monitoring view the results of a current Equifax credit report has been open to ever... Check the status of their dispute on Equifax it would not go through, i! Went through without issues - very easy to equifax dispute reddit `` address change in progress '' notification from by! Sent to did not work much different Equifax is still investigating, Equifax 'processed your request as a statement etc! A freeze on her identity Equifax says i owe Equifax shorty after and to... Was completed on 04/20 is just asking for extra attention alert on your credit Everyone. Same error they believe are inaccurate the items you dispute easy to do anything with straightened out when call! Javascript to view the results of a current Equifax credit dispute click here began spouting perfunctory disclaimer language the from. To pitch credit monitoring service said the information, they must remove the item equifax dispute reddit question report has been to... Worked out easily and how much different Equifax is still investigating, Equifax 'processed your request as a statement etc! The above steps are completed you will be ready to effectively dispute major errors from your.. Dispute click here perfunctory disclaimer language agent answered more posts from the personalfinance community be greatly appreciated to breath sigh... Does n't exist, dispute that bitch does anyone else have any issues trying check! Told her proceeded to pitch credit monitoring products to COVID-19, we are experiencing longer normal!

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