I have been an Equifax customer for 8 years. They are the poster child for TERRIBLE Business Practices. DO NOT USE THEM.

Over the years, it's been consistently obvious that Equifax lacks serious professional business ethic. I have never seen a website, backed by such manpower, go through so many horrendous design iterations in my life. Each new design update also introduces a whole new slew of GLITCHES that make the website VERY frustrating to use. I have more years of experience in Web & Graphic Design than Equifax has been in business. With over 7, 000 employees in 15 countries, this company has ZERO EXCUSE for the low quality of service they provide and completely absent focus on best business practices in terms of usability. Does this website even meet ACCESSIBILITY compliance?

Furthermore, Equifax touts security as a mandate for CALLING to cancel your service. This is common practice and clearly a pathetic attempt to retain customers and avoid losing subscriptions. However, the ignorant use of SECURITY as a reason to call is what makes this so disgustingly unforgiving. For a Credit Reporting service, this should be considered FRAUD to imply that it is INSECURE to cancel your subscription through your account while FREELY allowing you to Signup and Order new products, without even looking at the phone.

The poor business practices employed by Equifax is crystal clear and has been going on for years. I seriously hope customers stop turning a blind eye to this problem so they are forced to make some MAJOR improvements. Please. Do yourself a favor and run from this company. They need a hard lesson learned after so many years of crappy deliverables and consumers deserve the Quality of Service they are Paying for.

I just found out that the credit score the consumer gets online is different that the one the lender receives. A lender told me that he doesn't look at the credit score that consumers get online, because it is different than the ones the lenders get. So, if you apply for, say, a home loan, the credit score you see online will be about 50 to 100 points lower on the score the lender gets. This is ridiculous! This will also show up on your credit report as a inquiry and negatively affect your credit! Why aren't the credit bureaus required to inform consumers of this. And, why would anyone use a credit monitoring program, when it won't be correct anyway? The way I see it-what you see as a credit score should be what a lender sees.

I called Transunion's TrueCredit and asked the woman there. She said the lenders use their own formula for different accounts(IE:mortgage, credit card, etc). I told her that if a consumer receives a declined offer and it lists...for example:equifax beacon score and gives a score--there are no formulas involved! It would be straight form the credit bureau. Then she started selling--"that's why you need credit monitoring!" I stopped her--"Why would you use credit monitoring after what I have told you?"

I thanked her and hung up.

I think that this should be illegal! Maybe, unfair disclosure?

It seems that there is an error in my personal information on their file. But I have no idea what error! They wouldn't provide me with my credit report because they are not able to match my SSN and address proof documents with their information (like my docs are wrong but their info cannot be). And they keep requesting the same documents. Real moronic system.

Equifax has mis-information on my credit report that I've disputed 3 times since 2005 and even sent them correct papers to verify my dispute.
As of 12-2010 they still claim that their information is correct and they verified it directly with the source.
This is fraud. If they did indeed contact the source, they would know the information is incorrect.
Secondly, I must go through a lot of embarrassing conversations explaining the error, which is nobodys business but mine.
And lastly, for the second time I am being denied credit without first proving the error is indeed incorrect.
I plan on filing a lawsuit at this time. I'm not going to have this information stay on my credit report for another 5 or 10 years because some agency that has taken the responsibility to hold peoples lives in their hands cannot do their job correctly.

I authorized Equifax to run a one time credit check on a tenant. The $12.95 fee continued to show on my Visa statement for a year and a half!! They repeatedly refused to reverse any charges, provided fraudulent charges every month. I called and spoke with w a supervisor and they told me there was nothing that can be done, that I had authorized the charges. Lies! They had my Visa card number, but my EX HUSBANDS NAME. They refused to reverse any of the charges because his name is on the account yet they are using MY Visa number. If you are considering using this company..run as fast as you can.