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