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Equifax

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Valued Contributor

Equifax

Where do I start. 

So i have been having an issue with equifax since july 6th. I have not been able to pull a credit report from anyone. Myfico, CCT, Experian 3 in 1, Credit Karma, annual credit report, using the BD method, Nothing nada, Even applying for credit They can't pull EQ. there is no freeze, no fraud, nothing. 

Well after 2hrs tonight on the phone with them back and forth on whats wrong and who did what. I finally get over to a US based rep. She says everything is fine and that i need to be transfered somewere else, So she transfers me. The guy who can't speak much english conviences me that if i upgrade my EQ monitoring from the 5.95 to the 17.99 it will work. So i say ok fine if thats wat i have to do. 

He takes my discover information after 15 monutes comes back and says it was declined. I said No it wasn't i recieve both a text and email on the charges. After a brief hold again he says it was declined. Asked me for another credit card. So i say ok. I give him my navy federal CC. 15 minute hold time he comes back and says declined. I said I'm looking at my account online and I see the charge. He says nope declined. So he said he needs another CC. I said fine but I am sending a complaint to the CFPB but i'll play youir game. I have arpund 120 CC here, you tell me what one you'd like to use and i start saying Citi, Chase, Amex, i have master cards, visa', discover. So the chap decides to give my AMEX a whirl. 15 minutes later he comes back DECLINED!!! I'm like ok man what ever so he needs to transfer me over to a specialist...go figure. 

So now i have to have a confrence call tomorrow i guess becasue some personal data is messed up...

Well now discover locked my card down and my account...I have to call them back tomorrow the lady said. I literally just got this 11k discover, I hope the hell the don't cancel it and close the account on me over all this.

Im at my wits end with EQUIFAX, this has been going on for 2 weeks now.......So now i have a locked discover account, charged 17.99 3 times and still no credit report from EQ can be updated. They have pushed their product so much. we have become more of a money maker for the CR agencys anymore than carring about our files. 


EQ688
TU700
EX707

Message 1 of 33
32 REPLIES 32
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Frequent Contributor

Re: Equifax

As you stated, obviously something is way messed up with your credit report on EQ. I feel your pain but hopefully after your call tomorrow you can straighten out what the heck is going on and clean up not only the botched data that EQ has on you but also appeal to them to cancel the charges they asked for. 

 

I'd call all three credit card accounts that were charged asap to explain what happened so at least they are aware that you have done no wrong.  

 

Maybe in the end it'll be worth the hassle now.

 

Luck to you! Smiley Sad 

Message 2 of 33
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Super Contributor

Re: Equifax

This sounds like a total headache.  One thing I'm not understanding though are your multiple CC declines.  I don't get what a CC transaction has to do with Equifax.  And, I don't get why they are saying that transactions are being declined if you can see the charges pending on your accounts?

Message 3 of 33
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Valued Contributor

Re: Equifax

Brutal because equifax fix for my issue was to keep pushing their product on me. Equifax credit monitoring is owned by none other than Equifax who handles your credit report. I don't think it's declining. I think they are charging it and realizing like I did that even if I sign up for any service that pulls EQ I'd get charged but never be able to get a report because it just errors out when I try to get the actual report.
This guys fix was to keep pushing his product and try multiple CC saying "this will fix it" instead of saying "let's see what's wrong with your file and fix that.

EQ688
TU700
EX707

Message 4 of 33
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Super Contributor

Re: Equifax

Gotcha.  So you're not saying that you (he) was actually seeing declined transactions, but rather that he was lying to you.  That's a pretty grimy move.

Message 5 of 33
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Frequent Contributor

Re: Equifax

Honestly I would be concerned that he was just trying to your credit card numbers to as many cards as he could.  I would keep a very close eye on them, especially since you show that the charges went through.  Call your credit card companies and dispute those charges and see if there is some type of fraud alert you can put on them.  

FICO8 Scores as of 8/8/17: EQ-643 TU-644 EX-629
Current FICO8 Scores as of54/7/18: EQ-668 TU-651 EX-652
Current Mortgage Scores: EQ-681 TU-655 EX-648
Goal: all FICO8s above 700

Credit Card Lineup: Capital One Quiksilver One - $850, Torrid - $3,000, Wayfair - $7,100, Victoria's Secret - $2,000, Overstock - $5,150, Discover it - $9,500, Amazon Store Card - $200, Capital One Platinum - $3,000, Care Credt - $1,500
Message 6 of 33
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New Member

Re: Equifax

I'm back in the phone with them now....I wanna strangle someone. We are back to selling me an upgraded product and not fixing my report. 😔
Message 7 of 33
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New Member

Re: Equifax

They should have some kind of record of what's been going on. Like notes on my account? Something? IDK what to do anymore. Seems like I'll just have to cancel every credit monitoring service because now I'm wasting money and hope the CFPB can sort it all out.
Message 8 of 33
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New Member

Re: Equifax

This is my DW fico account 😘 Lol
Message 9 of 33
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Valued Contributor

Re: Equifax

Google the CEO email address...there are a few top people that should come up. See if they can get someone involved in fixing the problem and refunding your money.


EQ 778 EXP 782 TU 729
Message 10 of 33
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