The remaining options appeared to present a circular solution to direct us away from the call center, but I persisted and selected "agent". 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. It was a hard inquiry through Equifax. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. Join our community, read the PF Wiki, and get on top of your finances! Request a fraud or active duty alert Place an alert on your credit … She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. 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 … She said I have a credit lock. Everyone: go get your check from Equifax! To view the results of a current Equifax credit dispute click here. (Thank you Target!) She eventually relented and signed up to pay $6.99 per month for a credit monitoring service. 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. On creditkarma, it showed both Transunion and Equifax as having an account in collections under my name. Your support ID is: 8099029052134606686. 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. Please enable JavaScript to view the page content. 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. Looks like you're using new Reddit on an old browser. I have no idea what to do in this situation. Once all the above steps are completed you will be ready to effectively dispute major errors from your report. He kept looping the same answers ("Equifax is still investigating, Equifax 'processed your request as a statement, etc. Or so we thought. The Equifax agent did not tell her any of this, and proceeded to pitch credit monitoring products. You may also dispute credit report errors directly with Equifax and Experian. 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. So by all means, if you have a huge debt listed on your credit file that doesn't exist, dispute that bitch. She had a kind voice with an accent that suggested English was her second language. Atlanta, GA 30374-0256. It would not go through, and came back with a NH error. I handed the phone to my wife as the Equifax agent began spouting perfunctory disclaimer language. Due to COVID-19, we are experiencing longer than normal processing times. 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. So, we were able to breath a sigh of relief knowing her credit was frozen. 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 … On both occasions, I called Equifax shorty after and spoke to a live representative. 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? Press question mark to learn the rest of the keyboard shortcuts. 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. 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. I feel like calling Equifax again or trying to use their site is going to just waste more of my time. I was then hung up on. To dispute inaccurate or incomplete information on your Equifax Canada credit file, please complete and submit a Consumer Credit Report Update Form to Equifax. At the same time, we received a "address change in progress" notification from USPS by mail. Instead of the box labeled “Dispute an Error,” you’ll see another box labeled “Go to Equifax… A credit file with a dispute or disputes on it is just asking for extra attention. 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. 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, however, has been difficult to do anything with. It is a small debt and we probably will just ignore it forever as it hasn't hurt her score. Press question mark to learn the rest of the keyboard shortcuts. We got the notice through Credit Karma. Any advice on what to do next would be greatly appreciated. Supporting documents and/or credit report dispute letter should be sent to. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. They have 30 days to investigate the items you dispute. 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 … 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. Dispute information on your Equifax credit report Submit a dispute if you notice something is inaccurate or incomplete on your credit report. The Equifax agent had not frozen her credit. 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. Is this a legit P.O box for Equifax or did I just get scammed again? Your support ID is: 8099029052137799887. Equifax allows consumers to dispute items they believe are inaccurate. Her information would not work to freeze her credit through the Equifax freeze portal. To file a dispute with Equifax, go to your Equifax credit report on Credit Karma and follow Step 2. I called Equifax this morning and was told that my dispute was completed on 04/20. 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. If you used the online Equifax dispute … By mail: Equifax Canada Co. Consumer … I currently have about $45,000 in the bank. 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. Request a fraud or active duty alert Place an alert on your credit … Morons. I asked what that was and couldn’t get an answer. But if it's … TransUnion vs. Equifax… Equifax will investigate your dispute more aggressively that way. After no less than 12 prompts, I reached a point where her information was requested. $125 is a nice chunk of change. 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. 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. Over the holiday weekend, a hard inquiry came in. Request a fraud or active duty alert Place an alert on your credit … I’m baffled that the other two worked out easily and how much different equifax is. 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. When Equifax finishes its investigation — a process which takes 30 to 45 days — it will send you written notification. The hours of operation are Monday through Friday from 8 am to 8 pm (Eastern Standard Time). 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 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. 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 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. 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. To whom do I speak to get this straightened out? Equifax … I had zero issues temporarily thawing out the other two companies. How could it show that I’ve never had a freeze? This scares me. I still have the Security Freeze letter from 2007 with my PIN and their number to call, so I called that number. After a reasonable hold time, an Equifax agent answered. To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. To dispute by phone, call the Equifax dispute phone number: 1-866-349-5191. 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! 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. It’s also a good … File a dispute with Equifax. This article will be going over some tips for disputing your Equifax … 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. You may submit a dispute with each of the credit … 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 followed the prompts, but the system said the information did not work. To initiate an online Equifax credit dispute click here or here. 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. 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. 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. Confirmation Number: xxxxxxxxxx.". Is it me or does anyone else have any issues trying to check the status of their dispute on equifax? The Equifax … 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. So, I attempted to use their portal to enact the freeze. P.O. 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. Press J to jump to the feed. 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