Possible Scam - Equifax

[BeeRaellePPRH]

So, I have been working on my credit, and I attempted to reach out to Equifax regarding several pieces of incorrect information currently appearing my credit report.  I called the number listed for Equifax, and I got connected to an agent after a short wait.  After I go through this whole schpeel with the agent, including disputing some debts, which he kept on telling me "we can submit the disputes to Equifax."  I kept on asking him if I had Equifax on the phone or if he worked for Equifax, and he seemed to kind of skirt the issue by just telling me that he could submit the disputes to Equifax.  I didn't think that much about it UNTIL we got to the END of the call.  Then, he said that I had to pay something like $399.00.  As it turns out, I had called the number for Equifax, and somehow got routed to this Credit Counseling agency.  Unfortunately, I guess I didn't think as thoroughly about it before I provided payment information as I did once I disconnected the call.  Then, I started thinking that disputing incorrect information with the agencies should not incur a fee.  I called Capital One and spoke with a very pleasant rep there who advised me to lock my card.  Apparently, Capital One had already tagged the charge as possible fraud - THANK GOD.  I explained to her what had happened, and she cut my old Cap One card off, and she is sending a new card to me.  Has anyone ever heard of something strange like this happening?  

Turns out, I got some company called Credit Glory, which I've never heard of.  I was very explicit about trying to reach Equifax, but the rep skirted the question.  After finding out the name of the entity that I actually got on the phone, they are, apparently, quite questionable just looking at the quantity of BBB negative reports and negative online reviews.  In my opinion, this appears to be some sort of possible scam.  How my call "routed" to them when I was calling Equifax, I have absolutely no clue.  

[Jeffster1]

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@BeeRaellePPRH wrote:

So, I have been working on my credit, and I attempted to reach out to Equifax regarding several pieces of incorrect information currently appearing my credit report.  I called the number listed for Equifax, and I got connected to an agent after a short wait.  After I go through this whole schpeel with the agent, including disputing some debts, which he kept on telling me "we can submit the disputes to Equifax."  I kept on asking him if I had Equifax on the phone or if he worked for Equifax, and he seemed to kind of skirt the issue by just telling me that he could submit the disputes to Equifax.  I didn't think that much about it UNTIL we got to the END of the call.  Then, he said that I had to pay something like $399.00.  As it turns out, I had called the number for Equifax, and somehow got routed to this Credit Counseling agency.  Unfortunately, I guess I didn't think as thoroughly about it before I provided payment information as I did once I disconnected the call.  Then, I started thinking that disputing incorrect information with the agencies should not incur a fee.  I called Capital One and spoke with a very pleasant rep there who advised me to lock my card.  Apparently, Capital One had already tagged the charge as possible fraud - THANK GOD.  I explained to her what had happened, and she cut my old Cap One card off, and she is sending a new card to me.  Has anyone ever heard of something strange like this happening?  

Turns out, I got some company called Credit Glory, which I've never heard of.  I was very explicit about trying to reach Equifax, but the rep skirted the question.  After finding out the name of the entity that I actually got on the phone, they are, apparently, quite questionable just looking at the quantity of BBB negative reports and negative online reviews.  In my opinion, this appears to be some sort of possible scam.  How my call "routed" to them when I was calling Equifax, I have absolutely no clue.  

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It sounds to me like you googled Equifax's number and you clicked on one of the sponsored links at the top of the page. The sponsored links will masquerade as the company you are looking for.

This trick is also often employed in other areas such as technical support. 

If you provided any personal information such as social security number, etc., you need to lock down immediately and be alert to any signs of identity theft.

[BeeRaellePPRH]

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@Jeffster1 wrote:

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@BeeRaellePPRH wrote:

So, I have been working on my credit, and I attempted to reach out to Equifax regarding several pieces of incorrect information currently appearing my credit report.  I called the number listed for Equifax, and I got connected to an agent after a short wait.  After I go through this whole schpeel with the agent, including disputing some debts, which he kept on telling me "we can submit the disputes to Equifax."  I kept on asking him if I had Equifax on the phone or if he worked for Equifax, and he seemed to kind of skirt the issue by just telling me that he could submit the disputes to Equifax.  I didn't think that much about it UNTIL we got to the END of the call.  Then, he said that I had to pay something like $399.00.  As it turns out, I had called the number for Equifax, and somehow got routed to this Credit Counseling agency.  Unfortunately, I guess I didn't think as thoroughly about it before I provided payment information as I did once I disconnected the call.  Then, I started thinking that disputing incorrect information with the agencies should not incur a fee.  I called Capital One and spoke with a very pleasant rep there who advised me to lock my card.  Apparently, Capital One had already tagged the charge as possible fraud - THANK GOD.  I explained to her what had happened, and she cut my old Cap One card off, and she is sending a new card to me.  Has anyone ever heard of something strange like this happening?  

Turns out, I got some company called Credit Glory, which I've never heard of.  I was very explicit about trying to reach Equifax, but the rep skirted the question.  After finding out the name of the entity that I actually got on the phone, they are, apparently, quite questionable just looking at the quantity of BBB negative reports and negative online reviews.  In my opinion, this appears to be some sort of possible scam.  How my call "routed" to them when I was calling Equifax, I have absolutely no clue.  

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It sounds to me like you googled Equifax's number and you clicked on one of the sponsored links at the top of the page. The sponsored links will masquerade as the company you are looking for.

This trick is also often employed in other areas such as technical support. 

If you provided any personal information such as social security number, etc., you need to lock down immediately and be alert to any signs of identity theft.

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Thank you for your response.  I didn't realize that, because they had the Equifax logo right there on it.  But, I guess it's like the Paypal scam with the crytocurrency.  I got taken by that a couple of years ago.  

I have an update, too.  These people at Credit Glory not only tried to charge to Capital One, who rejected the charge as possible fraud, but they also tried to submit a charge on my debit card, which I had given to the representative so he could sign me up for IdentityIQ protection (get that, right?).  Anyway, when we came to the end of the call, and I found out that I had to pay, which I didn't think that much about at that point, I explicitly told the rep that I couldn't use that debit card that I used for the Identity IQ thing, which was only $1.  I didn't have that much in the account.  The rep told me that he removed that information, and he replaced with my Capital One information.  Well, I just found out from my bank, that this company tried to charge my debit card, which declined for insufficient funds, but also flagged as a fraudulent charge.  So, now my banking account is locked.  Ugh!  

[Jeffster1]

@BeeRaellePPRH  I'm so sorry this happened to you. The vile individuals that run scam operations like this are utterly despicable. 

[SouthJamaica]

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@BeeRaellePPRH wrote:

So, I have been working on my credit, and I attempted to reach out to Equifax regarding several pieces of incorrect information currently appearing my credit report.  I called the number listed for Equifax, and I got connected to an agent after a short wait.  After I go through this whole schpeel with the agent, including disputing some debts, which he kept on telling me "we can submit the disputes to Equifax."  I kept on asking him if I had Equifax on the phone or if he worked for Equifax, and he seemed to kind of skirt the issue by just telling me that he could submit the disputes to Equifax.  I didn't think that much about it UNTIL we got to the END of the call.  Then, he said that I had to pay something like $399.00.  As it turns out, I had called the number for Equifax, and somehow got routed to this Credit Counseling agency.  Unfortunately, I guess I didn't think as thoroughly about it before I provided payment information as I did once I disconnected the call.  Then, I started thinking that disputing incorrect information with the agencies should not incur a fee.  I called Capital One and spoke with a very pleasant rep there who advised me to lock my card.  Apparently, Capital One had already tagged the charge as possible fraud - THANK GOD.  I explained to her what had happened, and she cut my old Cap One card off, and she is sending a new card to me.  Has anyone ever heard of something strange like this happening?  

Turns out, I got some company called Credit Glory, which I've never heard of.  I was very explicit about trying to reach Equifax, but the rep skirted the question.  After finding out the name of the entity that I actually got on the phone, they are, apparently, quite questionable just looking at the quantity of BBB negative reports and negative online reviews.  In my opinion, this appears to be some sort of possible scam.  How my call "routed" to them when I was calling Equifax, I have absolutely no clue.  

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I agree with @Jeffster1 that you were  not calling Equifax at all, you only thought you were.

[SouthJamaica]

Perhaps you should be reporting this matter to the CFPB.

[Jeffster1]

@BeeRaellePPRH  I just looked up Credit Glory.

Make sure to change the following:

1. Debit card number 

2. Any bank account numbers linked to the debit card.

3. Capital One account number 

It appears that you might have signed up for a monthly service. Based on what I have read, they charge $298 for the initial service and then, $99 monthly. It looks like they will be coming back for more $$$. 

It would also be wise to put security freezes in place. 

I agree with @SouthJamaica . Please consider a CFPB complaint, 

[tricie17]

unfortunately, they have your information now. I at this point will put in an alert to FTC and also do a police report. Depending on how low they go, this can turn into a subscription service that you never paid for and reported as bad debt (especially since they are still trying). If they report anything to Equifax, it would be a major problem trying to move. Like someone said never open up on sponsored links and always check for HTTPS for companies. 

[CorpCrMgr1]

Unfortunately, the search engines are partners in this. I once watched a 50+ minute ad from one of the major search engines a couple/three of years ago or so when I went to watch a YouTube video. It stated the site you are looking for would always be the first address shown. BS!!