topic Re: Equifax Issue in General Credit Topics

Equifax Issue

Anonymous — Thu, 30 Nov 2017 16:18:06 GMT

I’m just wondering if anyone else has had issues recently with getting Equifax to lift a security freeze off of their account?

I’ve called them 4 times in the past 3 days regarding this and of course every time they tell me the previous agent processed it but it’s still active! Then they offer to remove it and process the request. Which I do and then of course it’s the same story, AGAIN!

Don’t know what else to do cause online their system isn’t allowing me to remove it. I know my other resort is to send the request through mail.

I just wanted to know if anyone else was having the same issues or not.

Re: Equifax Issue

rprisco — Thu, 30 Nov 2017 17:56:20 GMT

I have the opposite issue, cant lock my report. EQ is all messed up, there not updating certain tradelines, like discover (no update since June 2017) discover has sent 3 off cycle updates and no luck. I escalated with Discover and supervisor swears she will get that account to update. It's hurting my score cause disco has reported a $2 balance since June and it should be zero. Until it's fixed I am forced to have at least 2 accounts reporting small balances and for optimal score one 1 should report. I digress.

I'd stay on them and insist on speaking wit USA based CSR.

Re: Equifax Issue

Anonymous — Sun, 03 Dec 2017 11:47:24 GMT

I've seen that once again... the 4th attempt did not work! I am going to now be sending in my request through the mail for them to remove the freeze.

Equifax definitely has S*** the bed!

Re: Equifax Issue

xenon3030 — Sun, 03 Dec 2017 16:36:37 GMT

If EQ freeze does not work, lock might be another option (the cheapest EQ locks: trustedid free but lock/unlock can take 48h; lock&alert plus: ~5$/month).

I believe that the lock should be free and instant but it seems that it is not.

Re: Equifax Issue

trusty — Sun, 03 Dec 2017 16:55:22 GMT

@Anonymous wrote:
I’m just wondering if anyone else has had issues recently with getting Equifax to lift a security freeze off of their account?

I’ve called them 4 times in the past 3 days regarding this and of course every time they tell me the previous agent processed it but it’s still active! Then they offer to remove it and process the request. Which I do and then of course it’s the same story, AGAIN!

Don’t know what else to do cause online their system isn’t allowing me to remove it. I know my other resort is to send the request through mail.

I just wanted to know if anyone else was having the same issues or not.

I had this issue with Equifax; and essentially they seem to be having some major split and mixed file issues. This is exasperated by the fact that their credit report control lock system is very sensitive to very slight information mismatches.

The fix is to call their personal solutions department, ask for a supervisor, and have them submit a ticket to their technical team. It can take up to 7 days; but my latest ticket seems to have been resolved in about 2 to 3 days.

You'll also want to address the fundamentals of the issue... which is to ensure that your current address is accurate, etc.

Re: Equifax Issue

trusty — Sun, 03 Dec 2017 17:01:04 GMT

@xenon3030 wrote:
If EQ freeze does not work, lock might be another option (the cheapest EQ locks: trustedid free but lock/unlock can take 48h; lock&alert plus: ~5$/month).

I believe that the lock should be free and instant but it seems that it is not.

The Equifax lock should be instant. If it's not instant there's some other technical issue going on.

The only credit lock feature that is reportedly not instant is the Experian lock. The Experian Freeze goes into effect the next business day. Reportedly, their lock feature works the same.

But, the Equifax and Trans Union freezes and locks should be going into effect within approximately 15 minutes.

Re: Equifax Issue

xenon3030 — Sun, 03 Dec 2017 17:03:23 GMT

Here is the note below the lock button in trustedid:

"Locking and unlocking your Equifax credit file could take up to 48 hours."

Re: Equifax Issue

Anonymous — Sun, 03 Dec 2017 17:04:03 GMT

Thanks for the tip! I’ll give them a call and see if they can help me out.

Re: Equifax Issue

trusty — Sun, 03 Dec 2017 17:13:43 GMT

@xenon3030 wrote:
Here is the note below the lock button in trustedid:
"Locking and unlocking your Equifax credit file could take up to 48 hours."

That sounds like just standard verbiage. In practice, the Equifax lock feature works straightaway.

Now, with all of their other issues... that's not to say that it will actually be working at all.

Also, there are a few time periods when their systems may go down. (overnight) So, this verbiage could be referring to that, as well.

Re: Equifax Issue

xenon3030 — Sun, 03 Dec 2017 17:24:11 GMT

I checked and it seems that the turstedid lock is instant (taking ~2-3 min). A few months ago, it was not working (a failed message was showing up). Thanks for the note. Then, I should cancel the lock&alert.

The EX CreditWorks℠ Premium lock/unlock is instant with a monthly fee.

Re: Equifax Issue

trusty — Sun, 03 Dec 2017 17:29:55 GMT

@xenon3030 wrote:
I checked and it seems that the turstedid lock is instant (taking ~2-3 min). A few months ago, it was not working (a failed message was showing up). Thanks for the note. Then, I should cancel the lock&alert.

The EX CreditWorks℠ Premium lock/unlock is instant with a monthly fee.

Cool. I have Experian's product, but I think I'm just going to keep it for 30 days. $25 a month is way too expensive. But, it seems to be the only way to get a daily pull and Fico score from Experian... other than abusing their backdoor. But, good to know that their lock feature is instant.

Re: Equifax Issue

Anonymous — Thu, 07 Dec 2017 13:16:26 GMT

I called over the phone to personal solutions and they were absolutely horrible and no help at all!

I’m going to send in everything to make them remove it and if they can’t, then I’ll look at going further into the rabbit hole!

Re: Equifax Issue

gabbygail — Thu, 07 Dec 2017 16:16:11 GMT

Eqifax has a credit breach and STILL use overseas agents who barely speak English and want our personal information. Seems safe. LOL

Re: Equifax Issue

Anonymous — Sat, 09 Dec 2017 10:44:17 GMT

Exactly! I get it. Most if not all companies tend to use overseas call centers. Mostly because they are cheap to run and for what it takes to have 20 people in a room in the US, you can probably have about 50 in India.

I lost my job a long time ago when I worked at Time Warner Cable cause they wanted to move our online chat/email function to India. Which they did and it went to crap, but that's old news.

Overall, I am completely pissed off at Equifax. I wrote them a really nice letter to go along with my info. I'm sure that they won't appreciate it or maybe the one who ends up getting it first, but hopefully it'll bring some kind of awareness to them understanding how much they have screwed up.