I officially HATE Equifax!!! RANT!!!!!

[GApeachy]

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@Anonymous wrote:

 EXP outsource abroad as well

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[FinStar]

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@AverageJoesCredit wrote:
100% spot on. Rant away

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And, while frustrations can certainly happen, I would like to remind everyone that venting such frustrations or rants still need to adhere to the Forum Etiquette and the following Posting About Foreign Call Center Frustrations guidelines - no exceptions. 

[Schoolbuskid]

Thank you for the reminder!!

[Anonymous]

We should All file for compensation - for what we have gone through- our time wasted on hold, being hung up on, and hours of research. People, please document your time! And let’s hit EQF in their wallet, which is the only thing that will make them take notice. Best case scenario their stock falls and their incompetent management is shown the exit door.

[Anonymous]

Lol, or when they ask “how much is your payment on your XYZ account?”  Which month? the payment is whatever I decide to pay!  Better question would be “what is the balance on XYZ account”. This just shows that these CSR reps are automatons without capability for independent thought.

[Anonymous]

As a quasi monopoly, it’s a disgrace that we have to suffer. Thank god for the CFPB, the only advocate we have.

[Queen_Etherea]

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@Anonymous wrote:

As a quasi monopoly, it’s a disgrace that we have to suffer. Thank god for the CFPB, the only advocate we have.

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Thank you for reminding me! I actually just submitted a complaint with CFPB because EQ refuses to delete the 30 day late that's on one of my accounts, and it took me all of 5 minutes! The original creditor has requested they delete it multiple times and they just won't. This has been going on since October of last year! The OC even requested that they just delete the entire account, but did they? Of course not! This IS EQ we're talking abou there after all. Why is it impossible to get anything done with these idiots? I'm glad I kept every single email from the OC showing just how many times they sent a request to EQ. 

[iv]

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@Anonymous wrote:

Lol, or when they ask “how much is your payment on your XYZ account?”  Which month? the payment is whatever I decide to pay!  Better question would be “what is the balance on XYZ account”. This just shows that these CSR reps are automatons without capability for independent thought.

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It's more "not permitted by contracts and scripts to speak outside the box..."

Remember, when going through any set of "ID verification" like this to, if at all possible, have a current copy of that CRA's report in front of you (a copy from CK, MyFICO, or any other CMS is usually fine).  Because the script doesn't care about "whatever you decide to pay" on an account, they are just looking to match the field on the report that says "Monthly payment" or "Minimum monthly payment".

No need to have a drawn-out conversation with the rep about it - just recite the exact number from your copy of the report that matches the copy on their screen, and move on.

Yes, this only works if you have access to a current copy of the report, possibly from an alternate source... but that's why it's a good idea to have more than one source for each report if possible.

In cases of split files or some cases of very recent/active ID theft, this may not help.  But in most common scenarios, it'll stop both you and the rep from wasting time.

[GApeachy]

Just a tiny fyi:

  You know how when you get the dispute # in your email and it says you can check on it?  And you know sometimes when you fill out the info it says it needs more info and to call?  Once again it asked for our current address, this time I decided to abbreviate the name ie. Lane is Ln, Road is Rd, Street is St. and it finally worked.  Simple but stupid.

[iv]

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@GApeachy wrote:

Just a tiny fyi:

  You know how when you get the dispute # in your email and it says you can check on it?  And you know sometimes when you fill out the info it says it needs more info and to call?  Once again it asked for our current address, this time I decided to abbreviate the name ie. Lane is Ln, Road is Rd, Street is St. and it finally worked.  Simple but stupid.

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Yep.

Match EXACTLY what they have on the report for verification questions, and things will tend to go much more smoothly and quickly.

(With both phone reps and the automated systems.)