Equifax Says It's Un-American For People To Know What Equifax Knows About Them

from the it's-just-darn-un-american dept

It’s tough to figure out where to start on the various comments from Equifax boss Thomas Chapman, who claims that the new law requiring the big credit companies to let people see what data has been collected on them for free at least once a year “unconstitutional and un-American.” His argument is that it “cuts into the profits” of his company. First of all, cutting into someone’s profits isn’t unconstitutional or un-American by itself. Second, they’re not asking him to “give away” some random product, but to let anyone check the info that his company has collected on that person to make sure it’s accurate. Considering just how much depends on these companies reporting data accurately, that seems like the least they should be required to do. In fact, they should want to encourage that as it means they would have more accurate data. Besides, part of the problem is really that many people don’t realize just how much data these companies have on them, and how much of it is just wrong. Besides, given the various sneaky upsells, it certainly looks like the big credit companies are actually increasing their profits by convincing people that they actually do have to pay for these “free” reports. The article also gets amusing towards the end where Chapman puts his foot in his mouth big-time by basically saying they’ve had a bunch of data breaches which haven’t been announced, and then trying to pretend he never admitted that, first by saying: “I don’t think you’ve seen our name in the news,” then by refusing to answer more pointed questions on the issue with: “I’m not going to go there. I’m not going to answer that question. We have been notifying and engaging in communication with customers, consumers, for a long time. We’re known for that. We’re known for our stand on privacy.” Yup. Your stand on privacy is apparently that you don’t believe in anyone’s ability to check on their own private data to make sure it’s accurate — unless they first pay you.


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Comments on “Equifax Says It's Un-American For People To Know What Equifax Knows About Them”

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93 Comments
chaz says:

equafax

Typical!
Im getting sic of the corporate agenda consistently eroding our freedom for the greed of overpaid executives. their life made easier wile mine is made harder?
when is this country going to stop pandering and being manipulated and brainwashed by the corporate social conditioning. The true trickle down theory is actually trickle up.
thanks
Chaz

bubba says:

Re: equafax

“when is this country going to stop pandering and being manipulated and brainwashed by the corporate social conditioning”

Only when the people take back our government from big money, which includes candidates who have run in almost every government office in the last 20 years. Practically EVERY state and federal elected official is in office simply because they had a bigger bankroll. THIS IS THE PROBLEM PEOPLE!!!

RICHARD says:

Re: Re: equafax

IT SEEMS TO ME THAT YEARS AGO MEDICAL BILLS COULD NOT BE REPORTED TO CREDIT COMPANIES. AS ONE OF MANY MILLIONS OF AMERICANS WITHOUT HEALTH INSURANCE I HAVE 2 CHOICES WHEN I AM SICK. DROP FUCKING DEAD OR GO TO THE EMERGENCY ROOM..ITS AMAZING HOW THIS COUNTRY CAN GIVE FREE MEDICAL HELP TO THIRD WORLD COUNTRIES AND SHIT TO THIER OWN PEOPLE. MEDICAL BILLS HAVE RUINED MY CREDIT SO BAD I CANT FINANCE A FUCKING POPCYCLE STICK.

Kevin says:

Re: equafax

Look, I’m no fan of overpaid corporate executives getting multi-million dollar bonuses while running the company into the ground and laying off workers. Abuse like that invites government regulation, and politicians are greedier than any executive, but: If corporations were NOT in business to make money, they could not pay their employees. Simple economics. Some posters need to actually GET a job before criticizing the free market economy. Oh, and learn to spell, for the love of Mike! You will not be taken seriously as a political force until you accept the educational opportunities that this society gives you for free.

TJ says:

Re: Re: equafax

Firstly, I have worked since I was 11 years old and I understand Free Market Econommy. What FME does not take in to account is that some corporations are REALLY bad citizens. Our government has become a government of the corporations not of the people because the corporations can buy politicians where the ordinary citizen cannot. Why should I have to pay for something that is mine? If anything the Credit Reporting agencies should pay me for MY information!

Faith says:

Re: Re: equafax

Hmmm…I think your forgetting the big ones like Enron, Worldcom, and many other companies who have done the same practices but not on that large of a scale. Yes corporations make the money in this country but even more so they are tied into political iron triangles. Company A makes product for government/or politicans and said laws and taxes are catered in favor. Oh and simple economics, what an oxymoron. I should be able to see my credit report and validate everything in it. When will America wake up and realize that we shouldn’t have to put up with twisted corporate greed. I mean honestly if you earned that house, land, cars, and the junk in it great but don’t get greedy and take from those of us who are hardworking Americans.

J says:

Re: Re: equafax

Kevin, my friend – enough people have commented on your “simple ecomomics” philosophy, I don’t have much to say about it aside from that businesses making money & paying their employees (which is part of the cost of doing certain businesses) do no go hand in hand with this issue. In addition, you’ll be hard pressed to find a major corporation that is actually sharing that profit evenly across the board with their employees while raking in HUGE profits and overpaying a handful of execs.

You say:
“Some posters need to actually GET a job before criticizing the free market economy.”
My God, did you really say that (and think that?)? Boy, oh boy, you have a thing or two to learn. Is that what your saving grace is – a JOB? I bet you actually believe you’re better than someone else that might be unemployed. It’s all a matter of luck man & someone else opened a door for you. BTW – I’m employed and have a wide-range of experience to talk about. A person doesn’t need a JOB to talk about Free Market Economies – moron.

You’re adamant plea for correct spelling is admirable…your reasoning “will not be taken seriously as a political force” – is asinine. You can spell as correctly as you want…it won’t make you a political force. Also, that education you speak about that “society” gives us – IT’S NOT FOR FREE…we all pay for it through taxes and tuition.

Man, where did you come up with this stuff?

Anonymous Coward says:

Re: equafax

Hi I’m the “anonymous coward”
funny that
Equifax have posted incorrect data about me for the last two years.
Lloyds TSB a UK Bank have submitted incorrect data about me for the last two years.
Neither of these cunts could give one fuck about the damage to my personal situation.
I’ll never trust any cunt with my data.
All my problems have come frome Lloyds TSB – just for the record I’ve never had any business with those cunts in my life, ever ….
Fuck them and the credit reference agencies, they’ve flushed the UK down the bog and it’s coming out of the drain in fucking Bombay, so fuck them …

charlie says:

No Subject Given

The guy is right. This is america and we’re supposed to have freedom. Why should congress be able to make a company give away for free what it was previously making revenue on?

The declaration of independence doesnt read “life, liberty, and unlimited free credit reports”.

Idiot populist politicians… this is just going to make credit services more expensive for everyone.

rob says:

Re: equifax

Equifax are scum. I’ve been trying to get them to fix errors in my credit report for over a year. They claim that I am in collection for unpaid bills (i have letters from the companies involved stating I paid them), and they appear to have confused my father and me, so that our data is mixed together.

They have no accountability. They are required to provide a 1-800 number you can call to talk to someone, but it’s just a touch-tone maze — you can’t reach a real person. They are required to mail you your credit report for free if you request it by mail, however it took three tries for me to get them to actually do this.

Result: I am unable to get credit anywhere, through no fault of my own, and there is nothing I can do about this other than send them mail which they don’t reply to.

b0b says:

Re: Re: Re: equifax

“Good! The fewer people buy “on credit”, the better.”

UGH. Don’t you understand that a lot of us don’t WANT credit? It’s a sick game that we’re FORCED into.

Try renting an apartment. If you have bad credit, you’ll get denied. I make $120,000 a year but have no credit cards, no car payment, and don’t own a home. I buy everything in cash. Thanks to medical bills (unemployed, had no medical insurance, got hit by some Mexican with no insurance or license that ran and left me bleeding in the street) and a piece of crap company that fast-tracked a lawsuit against me a couple years ago when I was unemployed (and they knew it) I have poor credit.

So my income is meaningless and so is the fact that I haven’t had anything added to the report in years. All that seems to matter is that stupid credit report.

So, fact is, not everyone wants credit but sadly, we’re almost forced into it. Nice system, eh?

James says:

Re: Re: equifax

>>Result: I am unable to get credit anywhere, through no fault of my own, and there is nothing I can do about this other than send them mail which they don’t reply to.

Jump up and down, drink some beer and celebrate this wonderful accomplishment! I’m serious, quit borrowing money, it’s pretty stupid. Check out Dave Ramsey if you don’t believe me.

-james

unknown have no known credit says:

Re: Re: Re: equifax

I tried several times and even put up the $1.00 to get a report that never surfaced. I called and talked to a real person after munipulating their own voice maze and forced them to reverse the charges. The answer they gave to me for not being able to come up with a credit report was, “I can’t help you”. They were unable to come up with a report at all. I know I exist so therefore I should have some sort of credit report. I pay for everything with cash. I don’t have a car payment but I have two cars. I don’t own a home and never will. The IRS let me make payments to them for my taxes. I paid them faithfully. Shouldn’t that show up on my credit report? I now pay them everytime I get paid they get their money before I get my hard earned money. I make those payments on time. When I borrow $20.00 I pay that back when I say I will. I pay water, cable, PG&E, telephone and garbage every month on time. Why don’t they report my great credit history? Why do you have to be in debt to get a score. I wouldn’t lend anyone money that didn’t have the money, especially when I know, based on their income and other debts, the ability to ever pay it back to me, unless I knew that if they ever paid me back i would get double the amount i lent to them. Thats called extortion in the law books but we call it credit. Go figure. Who is the wiser. I scored when I found out people accept cash for stuff I need.

thanks for letting me share my thoughts with you.

miken says:

Re: Re: Re:2 equifax

Well of course they wont help! If they helped everytime someone called then they could’nt charge for thier services. Utilities, while you are required to pay on time, will not report your payments but WILL report you if your turned into a collection agency for NOT paying. You can buy a mansion with cash but that wont help your credit score. Your score is based on you (the consumer) “borrowing” money you dont have for things you dont need.

Loren Pickerill says:

Re: Re: Re:3 equifax

Again if the Republican fat cat right wing would pay us poor american slaves any money at all for the services we all provide including you then we americans would not have to borrow money for everything because we would have enogh money because we worked for the company that now resides overseas owned be a right winged traitor and we all americas would have a good job and would not have to borrow to pay for a cheap foriegned made article that will breal down in 3 or less years THINK!!!!

Loren Pickerill says:

Re: Re: Re:3 equifax

Again if the Republican fat cat right wing would pay us poor American slaves any money at all for the services we all provide “including you” then we americans would not have to borrow money for everything because we would have enogh money because we worked for the company that now resides overseas owned by a right winged traitor and we all americas would have a good job and would not have to borrow to pay for a cheap foriegned made article that will break down in 3 or less years THINK!!!! oh I forgot republicans like it in the blank I forgot sorry it’s democrats that like straight sex again I’m sorry

Loren Pickerill says:

Re: Re: Re:3 equifax

Again if the Republican fat cat right wing would pay us poor American slaves any money at all for the services we all provide “including you” then we americans would not have to borrow money for everything because we would have enough money because we worked for the company that now resides overseas owned by a right winged traitor and we all americas would have a good job and would not have to borrow to pay for a cheap foriegned made article that will break down in 3 or less years THINK!!!! oh I forgot republicans like it in the blank I forgot sorry it’s democrats that like straight sex again I’m sorry

Billy boy says:

Re: Re: equifax

it’s time to march on equifax headquarters
and make blood flow red in the corporate offices of these infidels…..no seriously, the only thing screwing everything up is people with good credit.
if everyone stopped paying their bills what good would a credit rating be? unite people!!!
it’s like the bell curve….if everyone flunks there still has to be some A’s and B’s right on!!!

Loren Pickerill says:

Re: Re: equifax

Yeah equifax experian and trans-union are all crooks but look who came up with the fair credit reporting act guess who RONALD REAGAN that right winged hero are you surprized that the republican could steep so low as to remove every americans right to buy what they want when they want with money they earned by the sweat of their brow probably under the whip of another right winged asshole stop voting for these criminals they are called REDS study your history and vote wisely don’t listen to your right winged brother in law who is about to get evicted from his home because the right wing has taxed him to death and he aparently loves it to the pouint of forclosure on his dream home i rest my point but I am very glad you guys have sounded off about these blasted credit reports which are very unconstitutional and they are a means to conrol FREE AMERICANS

Sharon says:

Re: Re: equifax

You are right. I believe the financial instutions are conspiring with the credit bureaus to give Americans the worst possible chance to have a decent life/salary/credit. Most credit reports, in my opinion, are contrived to make us pay more.

In the late 1990’s, a federal credit union (yeah, that’s right a Government agency) sold alleged deliquent accounts to a collection agency (Action Management, Inc.) for hundreds of thousands of dollars. Once it was discovered the accounts were not deliquent (in fact, the amounts that were alleged to be owed never EXISTED) the FEDERAL credit union altered the accounts to make it appear deliquent. The NCUA supported this. Hundreds of people from this Phila credit union were scammed. And what did Equifax do? They altered people’s credit reports to appear deliquent……..even though the FEDERAL credit union lied about Equifax when the “accounts” were questioned!

John says:

Re: No Subject Given

Charlie,

People buy goods and services from companies. If you finance one of these goods such as a vehicle. And you have never missed or been late on any of the 36+ payments. Is it fair for you to have the automotive company give you any type of remarks that are not positive? Well you normally would not know. You would just have bad credit and get rejected everywhere. Even for a cell phone.

Now take into account all of the recent activties where people are stealing IDentity (ID Theft). Of course once stolen. They use your name and credit rating to purchase something and never pay for it. Now you have a bad mark. Guess what? You’ll never know and be able to fight it until you put up $100 for your credit report. AND That’s just the beginning of a long process. Lawyer Fees, etc…

If the credit report is supposed to be an accurate national database that every company uses to decide whether or not you are worthy. Should it not be open at least to the individual whose information it contains?

Chad says:

Re: No Subject Given

Charlie, don’t be an idiot and knee-jerk rail against your perceptions of government’s interference in business.
Nether does any founding document expressly states that all business models must be protected. What does it matter?
The constitution /does/ suggest that I have a right to privacy. Does that mean that I can forbid X from collecting information about me?
Forcing X to show me what information they /have/ collected about me seems like a decent compromise.

Vince Daliessio (user link) says:

Re: "Free" Credit Reports?

While I agree that it is wrong for the government to force a profit-making company to give away its product for free, the government has also repeatedly immunized these corporations from the consequences of bad or innacurate credit reports, as well as identity theft, i.e.; if their crappy information harms you there isn’t a damn thing you can do about it. If the Federal government hadn’t created rents for these idiots by legislation, you could bet your house that they would not only give you free credit reports any time you asked, they would actively solicit consumers for their information to help them do their job better. That they do not is a sad testament to the asymmetry of “rights” in this country.

kevin says:

Re: Re: "Free" credit Reports

Awesome thread! To differentiate, however: Criminals like Ken Lay need to be treated as such and sent to a real prison. Honest businessmen who make an honest profit need to be emulated and held up as role models. “Greedy Corporations” is a buzzword used to cut off debate.
I, too, followed the links for a “FREE!” credit report, so yes, I know how the bureaus try to get $30.00 for something that Congress has determined we should get at no additional cost. This is annoying behavior, but not criminal. As educated members of society, we can navigate around the creeps, support the ethical, and pressure our elected officials to prosecute the criminals.
Liberal or libertarian or progressive or conservative, we need to work together,
as the politicians WANT us divided, so they don’t actually have to do anything!

J says:

Re: Re: Re: Re:

You’re wrong Kevin bud – “greedy corporations” is not a buzzword to cut off debate. Let’s put a stop to your marketing spin right there. They are very real entities (with Equifax and others that attempt to profit from non-tangibles being great examples). And while you only categorize false marketing as “annoying behavior”, “not criminal” – I suggest you read-up (& if you have – re-read) the Federal Trade Commission Act (FTC Act) & the Lanham Act – both giving our US government federal authority to regulate such misrepresentations. While you may have an above excellent talent to be able to discern “creeps” from peeps (you attribute this to being “educated members of society” – Liars, Swindlers, Cheaters and Cons 101?…I didn’t take that course), all are not as lucky as you and the less psychic/know-it-all of society should be protected from scammers.

SfK says:

Re: No Subject Given

“life, liberty, and the pursuit of happiness”

who’s to say the pursuit of happiness cannot be getting rich off the poor, or having free credit reports, or smoking marijuana for that matter? it seems like the ability for an individual to get their own (vital) private information just got liberated.

no one of importance says:

Re: Re: RE: Sfk

Just for the record the line “and the pursuit of happiness” originally meant the ability to own property, although this definition has been disassociated over the years (which, i might add is 229 of them). This last part was endlessly debated until a compromise was finally reached. Just an FYI to set the record straight.

An American who fought to keep this country free. says:

Re: Who the Hell are you?

You have to be a complete asshole. What gives these “credit reporting assholes” any right to collect information on me in the first place. It takes reall balls to collect money from any person or business to hand over information that should not have been collected in the first place. Since when is it thay “Big Brother” is some asshole behind a fucking desk and telling anything about me to anyone without my specific permission. I did not give any agency of any kind permission to report any information about me to any person or business. Just who the Hell do they think there are. ANSWER ME THAT, FOOL.

Rick says:

Re: No Subject Given

Apparently you haven’t had your credit impacted by their erroneous reporting practices. If you did, you wouldn’t make such an idiotic statement. If they didn’t have so much control and impact, nobody would care and they wouldn’t be in business. As a matter of fact, the American people should have the right to sue them for publishing incorrect information that impacts your life so much.

R1ch4rd (user link) says:

To anyone who disagrees with our free credit repor

How about I compile a bunch of (mis)information about you and how you conduct yourself financially. Then how about I provide this information in the form of a report to others so they can decide if you’re worth hiring, lending to, or doing business with in whatever capacity. Then how about I be completely protected from any and all liability when I misrepresent the facts and defame your character in my reports. Then how about I have the nerve to ask you to PAY ME to have you verify the accuracy of this information for me. Whaddayathink?

Jason says:

The real reason credit companies are against this

The REAL reason credit companies are against this has absolutely nothing to do with the cost of sending you your credit information. What they are interested in, is making it difficult/expensive for you to get your info. Why? Because it costs them money to research and correct your info. once you notify them it is wrong (which they are required to do by law, once you inform them). As long as you don’t know that it is wrong, you can’t exercise your right to force them to fix it. Making this info free and easy to get will dramatically increase their costs (as they know that a lot of people’s info is incorrect).

Brian 3000 says:

Irony

I agree the companies that RUN your credit should cover the cost, not the consumer who has his information gathered against him.

Does anyone else see the humor that ads by google lists 2 “free” credit report sites at the bottom of this rant.

I can’t belive that they’ve squeezed 2.7 billion out of consumers in this way. Attrocious.

miken says:

Yes its free but also a hassle

You “can” (and I say this loosely) and are suppose to by right be able to get a free credit report when turned down for credit reasons. If this works or not I dont know. I use my visa for creditkeeper and get charged a 5$ monthly fee, yes I’d rather not pay the $5, but I get all three credit reports plus ways to change my score. Most (maybe even all) credit card companies have deals like this, the highest I’ve ever paid was $10 a month. If you do it on your own through the credit sites than it can be anywhere (I’ve seen) between 25-100 dollars.

art says:

Re: Yes its free but also a hassle

I was denied credit recently, and got my report free from the company (experian) on line. I found only one item which required correction and wrote them a letter to correct it. I did not get my credit “score” with this, so I don’t know how good they think my credit really is! So it was free, but I still don’t know. Guess I’ll write all three to get my reports, but without the score one is still in the dark. Does anyone know how the score is computed?

Wolfe says:

Re: Re: Yes its free but also a hassle

I noticed someone brought this up before but was suprised this has not become more of a topic for discussion: The “Product” the credit bureaus are selling is YOUR information. It’s information about when YOU bought a car, about when YOU were late on a payment, about when YOU were denied for a loan because there were mistakes on your report…. get the idea? Without us there would BE NO PRODUCT, yet we are forced to pay to see it more than once (and with limited info, no score is included). Try fixing your credit sometime.. you will have to pull reports all the time for at least a year, one report does NO good unless you start with good credit and are fixing 1-2 mistakes. If I were to follow you around, learn everything you do, collect your personal info and then write a book about it and sell it for BILLIONS of dollars, would you want part of that?

miken says:

Re: Re: Yes its free but also a hassle

Scores are computed through a “bunch” of different things ranging from how many “inquiries” into your report there are (yes it affects your score-lowers it), loans and credit cards and collections (if any). scores are from 350 (lowest)-850 (highest). The best thing to raise your score that I have noticed is to get credit cards, use a little, then pay it off. do not do this every month tho. It shows that while you have credit cards you dont need them.(catch-22). Late payments are not reported until 30 or more days late, but does some damage. There are also differences in the “three” report companies that can be up to 80 or 100 points! So one company might think your good another might have you untouchable. (mine is currently 40 points off).

MATTHEW BLEVINS says:

CANNOT CONTACT EXPERIAN ABOUT MY CREDIT REPORT

i HAVE TRIED EVERY WAY POSSIBLE TO CONTACT EXPERIAN ABOUT INACCURATE INFORMATION IN MY CREDIT REPORT. NOT POSSIBLE, NO PHONE, NUMBER AVAILABLE TO TALK TO A REAL PERSON. IT IS TO MY UNDERSTANDING ACCORDING TO THE FAIR CREDIT REPORTING ACT, THAT YOU MUST BE ABLE TO DISPUTE OVER THE PHONE. I WOULD LIKE TO KNOW WHY EXPERIAN IS EXEMPT FROM THIS LAW ???????

I hate Equifax says:

Equifax abused my life..

I wrote the disputed letter to Equifax twice in 2005 to delete incorrect outstanding almost 10,000 USD on my student loan account with USA Fund. The loan was closed and transfered from USA fund to Sallie Mae.

Equifax put “reinvestigation on process ” on this account for a few months and never respond anything nor remove this account.

One year later in 2006 I have checked my credit report from Equifax again and found out Equifax removed the word “investigation on process” out and remain everything the same especially the outstanding balance almost 10,000 still showing as past due.

I finally contacted Direct of Investigation Department at USA Fund and got a letter from USA Fund to confirm my account was closed with zero balance and was transfered to the new company.

I sent this letter to Equifax again and Equifax still remain this account showing i owe moeny almost 10,000. They didn’t remove or update anything don’t even ive me an explaination why they remain the same

Now it is June 2007. Equifax credit report still have the same information never changed showing I have past due almost 10,000 USD with USA Fund and I don’t understand why Equifax never respond any investigation result to me.

This incorrect account and incorrect outstanding balance showing last activity was in 2003 I disputed in 2005 and nnow 2007 nothing has been corrected.

I get sick of Equifax Company why people rely on this stupid credit report agency. I had a hard time to get the home loan, car loan , apartment and many other issue because of this stupid credit agency .

However, I finally just got the home loan approval by using the letter from USA Fund to proof that I didn’t own any money with them because i had been refused from every lenders from this incorrect account.

Anyway, another big two cridit report agencies are reporting my information correctly. I want to say Equifax is SUCK!!!

Rick says:

Equifax is the worst of the 3 credit agencies

My wife has been the victim of identity theft. She has been fighting it for nearly 12 years now. Experion has never had her credit messed up. Trans Union at least tries to straighten things out and at several points during this period has even had her credit correct. However, Equifax is the WORST. They are impossible to deal with. If, you can talk to a person they say that they cannot do anything over the phone. They direct you to a form to print out and the address to send it to. When you fill out the form exactly as specified they only make minor changes that do not fix the problems just change the wording as several posters above have stated.

Mitch Allen (user link) says:

Equifax needs to get their act together.

1. I complained to Equifax about an infamous zombie debt collector “re-aging” an old debt. The operator on the phone told me that companies in their network don’t require proof! When I continued to complain, I received a letter telling me all further inquiries in the matter would be ignored!

2. I wrote a letter to Equifax asking them to insert a consumer statement. This is word for word how some absolute moron translated it (caps are theirs): “ASSET ACCEPTANCE DOES NOT RECEIVED A CERTIFIED LETTER SENT SEVERAL MONTHS AGO ASKING DOCUMENTATION OF THE AMOUNT THAT I SUPPOSED OWE EQUIFAX INFORMED THAT THEY INVESTIGATED THE DISPUT BUT I NO HAVE THE ANSWER THEAMOUT WAS INCREASED WITHOUT NO JUSTIFICATION THEY CALL ME BUT I HUNGUP BECAUSE I FELT MYSELF OFFENDED I’VE REPORTED THEM TO THE FTC AND WILL BE REPORTING THEM TO THE BETTER BUSINESS BUREAU.”

What the @#%@ is that???

3. Those zombies reared their ugly head again, so I decided to get online copies of my annual credit report. Which is when I noticed the “translation”/mangling of my statement.

4. Looking at my credit report I noticed SIX accounts are duplicated FOUR times each!

5. I tried logging a dispute online – their web site kept insisiting my verification info was bogus.

6. I called. The woman says she’s not seeing it. I told her I am. She told me I can go online and disputs it then. I told her I called because I can’t! She said they will mail me a copy then. I said fine, but I can already tell you the account info will most likely be duplicated. So what am I supposed to do then? Call again and around we go?

7. I have accounts with no activity since the 90’s still listed – shouldn’t they fall off automatically?

I just don’t see how the government can let these completely incompetent morons have such control over our data.

JESSE says:

FORGOTIN METHODES

IT WAS ABOUT 30 YEARS AGO , I WHANTED TO PURCHASE A HOME, I APPLIED THROUGH A LOCAL DEALER AND MY CREDIT CHECK WAS RUN . IT CAME BACK WITH A COUPLE OF SMALL COLLECTIONS , AT THAT TIME I CONTACTED THE LOCAL CREDIT COLLECTIONS AGENCY AND THE BRANCH MANAGER TOLD ME TO JUST COME IN AND PAY THE OEWD AMOUNT AND THAY WOULD REMOVE FROM RECORDS .AND I DID, AND THAY DID REMOVE THE NEGATIVE ITEAMS FROM MY FILE NEVER TO APPEAR AGAIN,THAY CAN STILL DO THE SAME NOW BUT WON`T,THAY WILL TELL YOU IT STAYS ON YOUR FILE FOR 7 YEARS .THAY HAVE OUT SIDE SOURCES GATHERING AND IMPUTING INFO ON EVERY ONE THAY CAN AT WILL WITH NO FOLLOW UP TO CHECK THESE PEOPLES INFO THAY SEND STRATE TO ARE FILES, AS FAR AS I UNDERSTAND THERE ARE NO LAWS PROTECTING THE CONSUMERS FROM THERE ACTS OF THE OLD SCHOOL OF [BLACK BALLIND] THE CONSUMER ,THE GOV, LETS THESE S. O. B `S DO WHATEVER THAY WANT TO DO, THAY DON`T CARE IF THAY DESTROY YOUR LIFE ,THAY CAN AND WILL PUT WHATEVER THAY WANT INTO YOUR FILE AND KEEP IT THERE INTILL YOU TRY TO PURCHASE SOMETHING ON CREDIT, AND THATS WHIN THE MISERY STARTS AND LAST A LONG TIME TO COME [ JUST REMEMBER BIG MONEY CAN`T BE STOP EVERY ONE IN BIG BUSNEISS THAT IS A MEMEBER OF THESE AGENCYS, PAYS THE CREDIT REPORTING AGENCYS TO COMPILE THIS INFO ON US SO THAY CAN CHARGE YOU MORE FOR YOUR CREDIT PURCHASE .REMEMBER THE WORSE YOUR FILE LOOKS THE LOWER YOUR RATING MEANING HIGHER INTEREST RATING ,INSURING YOU PAY MORE FOR YOUR PURCHASE`S NO MATTER HOW WROUNG YOR FILE IS THERE IS NO WAY TO STOP THEM, SO THAY CAN TRACK EVERY ONE OF YOUR MOVEMENTS AT EASE , SO GO AHEAD AND CALL BETTER BUSNESS, JUST REMEMBER THAT THE PEOPLE THAT YOU ARE REPORTING TO THE BETTER BUISNESS B ,HAS TO BELONG AND BE A MEMEBER OF THAT COMPANY YOU ARE MAKING THE COMPLANT AGANTS BEFOR THAY WILL ACT ON THAT COMPLANT . ——————————–SOME THAT MAY HAVE MONATERY INTEREST & HOLDINGS IN THESE REPORTING AGENCYS ———#1—–CERTAINLY THE PLACE YOUR MAKING YOUR PURCHASE ,FROM THAY HAVE TO BE A PAYING MEMBER IN ABLE TO CHECK YOUR CREDIT REPORT ,———————————————#2—————CHECK YOUR LOCAL ELECTEDS, CHECK SEE WHAT HOLDING THAY HAVE IN STOCK WITH THESE PEOPLE AND IF NO STOCK DEFINITLY BIG BUSNESS INTEREST , REMEBER IF YOU HAVE ANY INTEREST IN THESE REPORTING AGENCYS, YOUR LESS LIKELY TO HELP SOME ONE TRYING TO STOP THERE MONY MAKING VENTURES BY CHANGING THE WAY THAY OPERATE THERE BUSNESS PRACTICES, ———————————————-# 3 TRACKING US , STATE –FEDS –LOCAL AGENCYS ANY GOV —. THE LIST IS TO LONG OF WHY WE CANT, AND NEVER WILL GET THEM UNDER CONTROLE TO DO WHAT WE NEED TO DO TO STRAIT`EN ARE FILES OUT. ONE RESONE IS TO CHECK SEE WHAT WERE UP TO ,WHAT WE ARE PURCHISING TO COMEPARE WITH ARE INCOME,YEARLY TAX REPORT ,FOR ONE THING AND A LOT OF OTHER STUFF ALLSO . GOOD LUCK —

Keebler (user link) says:

Litigate Against Equifax

I find it unbelieveable!!! Over the course of the past week I have encountered what I feel to be incredible offenses against American citizens. Equifax poses a most eggregious and arrogant posture. There are 2 records affecting my credit. They were placed in error!! PLACED TO THE CREDIT BUREAU’S IN ERROR! Equifax is trying to charge me to correct these errors!! The other 2 bureau’s have already helped expedite and fix the problem but Equifax is insisting that I pay them to fix it!! What?!!!! What?!!! Outrageous! Equifax remains impossible to reach- I have no recourse! This is what you have to thank those rotten Rupubicans for!! They deregulated everything and cause an American financial collapse. Now these rotten credit bureaus are running rampant with our personal information which makes or breaks our livlihoods and they want to charge us to correct their own errors!! What?!!! These Republican companies are Nazi’s, Nazi’s pure and simple! I’m outraged!!! You should be outraged as well!! If you’re not; your stupid!!

Keebler (user link) says:

Litigate Against Equifax

I find it unbelieveable!!! Over the course of the past week I have encountered what I feel to be incredible offenses against American citizens. Equifax poses a most eggregious and arrogant posture. There are 2 records affecting my credit. They were placed in error!! PLACED TO THE CREDIT BUREAU’S IN ERROR! Equifax is trying to charge me to correct these errors!! The other 2 bureau’s have already helped expedite and fix the problem but Equifax is insisting that I pay them to fix it!! What?!!!! What?!!! Outrageous! Equifax remains impossible to reach- I have no recourse! This is what you have to thank those rotten Rupubicans for!! They deregulated everything and cause an American financial collapse. Now these rotten credit bureaus are running rampant with our personal information which makes or breaks our livlihoods and they want to charge us to correct their own errors!! What?!!! These Republican companies are Nazi’s, Nazi’s pure and simple! I’m outraged!!! You should be outraged as well!! If you’re not; your stupid!!

Charlye says:

I tried this number today and spoke with three different people: 1 866 640 2273…But get ready to be frustrated I know I was. Talk about idiots! These people really suck and on top of them not being able to verify my identity, they’re requesting that I fax them additional documents to verify that I am who I claim to be. What the hell! I’m not sure if I should send them my SS#, Address, and other secure information for it to be sitting in some fax machine in some office waiting to be viewed by gosh knows who. Has anyone experienced this nonsense?

VICTOR (user link) says:

EQUIFAX IS A SCAM

Equifax is a SCAM. For the past 4 years, I have been able to easily a get my free annual credit report from the other companies. However, I continue to get security issues with Equifax. This issue is B.S. The funny thing is that when I pay Equifax to get my credit there is no issue. Therefore, for the past years, I have been getting it free from the other companies except that I have to pay Equifax.
Equifax is a SCAM. Someone in the Fed needs to regulate these thieves.

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very irritated consumer says:

Equifax can go fail itself.

Not only do they make it impossible to get your free report, when you try to purchase one it’s just as difficult. They ask questions that pertain exactly 100% not to any situation in my life. As if there is some other BS in my file that I’ve not had anything to do with and when it asks if I have a mortgage or what street I have lived on and I have had and done NEITHER I still get blown off and told to mail them a frigging letter.

This is 2010 and we are still at the mercy of these companies. It’s bullshit. All I want to know is what’s in my file. I paid for a report and I don’t have the report. These idiotic Indians they have answering the phones don’t understand me and have no idea themselves what’s going on other than what is on their screen in front of them. It’s ridiculous.

Robert says:

Law suit against Thomas Champman and Equifax

Nothing will Change if The American Public dosen’t come together and stand up to put a stop to the extortion that equifax has placed on everyone I have completely paid off all, and I mean all of my outstanding debts, I have jumped through all of the silly hoops that equifax has requested, they continue to neglect to update oue credit file, ths has cost me an opportunity to purchase a home, this has continued to cause disruption and hardship for my small buisness, so now I call for all who have been held down and neglected by this credit reporting agency to come together and put a stop to this, a suit needs to be filed against the company. We as a society do not deserve the personal extortion delt by this company, If you pay your bills off completely They will not correct your Credit File you will continue to struggle and have hardship with purchasing a home or improving our lives to be productive. If we come together stand and file suit against the reporting agency, This practice will not continue.

Joanne Turner (profile) says:

Equifax Extortion and Lies

I’ve had the same problem for at least 16 years. Even when I have paid them to send my “free” credit report, they still wouldn’t send it. None of their on-line “identity verifying” questions ever pertain to me, even though it claims they have “found my file” and need to make sure I’m accessing my own file. I figured long ago that they have sold my spotless identity to someone else, and have been getting paid by companies to use them as an excuse to price gauge me. This game of keep-away further aids Equifax in preventing me from ever reclaiming my own identity.

When everyone refuses to rent to you, hire you, make you a loan, charge you the prices they advertise, etc., and you can’t even get Equifax to respond to the proof (of your good name) that you send them, it doesn’t take a rocket scientiest to see what is going on. AnnualCreditReport.com and the FTC are in on it, too. The AnnualCreditReport.com site says that just because none of the “identity verifying” questions pertain to you doesn’t mean there’s fraud. The useless FTC claims they just keep track of complaints, but has no enforcement jurisdiction. Instead of enforcing the existing law, the latest credit law Bush made was basically a duplicate law to placate people who have either never lived in this situation or are profitting off of it!

I agree. Maybe if enough of us pee-on slaves get together, some good, brave lawyer will dare to do a contingency class action against Equifax, and maybe Experion, since I think they’re beginning to do this as well.

Augusto Arias says:

Equifax

Equifax is a gang of criminals of white shirts. I wrote several letters to obtain a copy of a credit report they submit to Chase. They NEVER answer my petition. They sent me letters asking me to provide proof of identity which I did in two different occasions (SSCard copy, Drivers License, etc etc) Their answer was “Photocopies are not big enough to see clearly) I finally sent copies 8 1/2 x 11!! and their only answer was that I could obtain a copy by paying “X” amount of money. I do not understand when and how this bunch of outlaws got so much power, and obtained permission to screw our lives with total immunity. I am sorry for my language but honestly, I do not find better in the thesaurus.

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a11four1 atyahoo says:

You know what is un-american

Well, what is un_American depends on which side of the $ sign you are on. Equifax, TransUnion etc will tell you they don’t ‘collect’ information. They ‘only record’ that sent to them from whatever lenders you are holding accounts with. They definitely generate sizable profit from that library, from companies and consumers; and secondary echelon of interested parties as well. The return on 2 something billion is around 650 million. Stock price runs about $106. Next I’m googling how many lobbyists they employ. If a groundswell of opter’s-out was to ignite, would that business model collapse? Just try finding a process to opt out of the whole thing. They’ll suggest denying that your lenders supply such information. To me, the crux lies in personal information is being capitalized on, that was never granted but mined endlessly.
Oh, and calls or webaccess solicit a ‘please respond’ survey invitation, without any sort of compensation…

Roxy (profile) says:

Corp America

I agree and I am so over all this stand behind the constitution when it works for you, but then curse it when it does not help your SCUM business. I am in the middle of Suing Equifax for some MAJOR issues they have caused me and my credit! Along with the Finance company they have backing and have refused to correct my report, even though I sent written proof on their company letter head which they take FULL responsibility for the mistake and admit they were supposed to have it corrected a year ago and they still did not fix and remove. They said the finance company says it is a correct report and not to remove it.The finance company says that Equifax never even told them of my dispute, don’t care who is telling the truth they are BOTH going to have to PAY UP!! I hope that my suit brings some long over due ASS WHIPPIN on these corporate, greedy school yard bullies!
I know this is an OLD post but I really want to keep the issue and communications alive so that we can stand together and prevent more of us form being harmed from the big 3 BULLIES!

Klaud says:

Equifax

They just got me, good credit everywhere until Virgin Mobile tried to upgrade my phone and now cant even get a phone handset. I think what would be useful is if we knew what companies use Equifax here in the UK before it proliferates here. Virgin is one, and LLoyds is another. Anyone else can add? If a list is made and these companies stop using Equifax and use someone else…. I know its not a good thing but the UK Experian has not got court caes against them for fraud and neglect.

Any solicitors out there who could shed some light on a consumers right in the UK with regards to such things.

Paul R. Lewis says:

Enough is ENOUGH!

I have about had it with the elitist attitude in this country by certain groups of people. Who TF do they think they are? Equifax exists as a parasite on us, making their living off of us, hoarding our personal information, then don’t properly protect the data. Their arrogance afterwards to sell stock, some executives just walk away, they wait 41 days to tell people of the breach and all the while accepting and processing credit FOR 41 DAYS on a breached credit database! WTF is wrong with these people and why isn’t the FBI moving in the arrest people, NOW?! I’m so angry I cannot even see straight! I’m about to go ballistic on Equifax in court!

jerry harlon says:

No Subject Given

The reason it is free – for accountability!
You can not allow an entity to collect data about that quite possibly wrong, inaccurate and disparaging.
With that said – when you have reason to question these companys – WHY should you have to pay for it? Ever seen what ‘their’ data does to a person – with that person not knowing why they are having such difficulty to have a life?

Dip Sick says:

Fucked over by Equi-faux

Equi-faux fucked me over by their mistake with SSI. Missed my address by one lousy number and tells me oh it takes time to correct. I ain’t got fucking time you fucked it up not me. I can’t register with SSI because of this shit. Like you care Equi-faux you fucked me guess I have to un fucked my self. Thanks a lot and BTW Equi-faux get bent like you bent me. Kiss my ass. All three agencies on credit reporting should be held accountable for mistakes raked over coals tarred then feather and sued for every mistake. Especially you dip shit Equi-faux. Next time I’ll tell you how I really feel.

nina says:

AT&T plus VERIZON are crooks.

AT&T owes me lots of money and so does Verizon. I got their service and they were making thousands of calls, and expected me to pay for tham. I was only mad calls to my 2 kids. The bills were arriving with $350 per month. The internet from $25 per month to $85 instantly. This people are criminals and our Government allow the criminals to prospare from innocent people and taking their children’s food from their table. Their bad credit to me, means shit! I know, they are the criminals not me..
My credit union dont give a shit for bad credit reports. You need money, you get it!
Too bad we are just a number in the USA. We need to protest for higher pay. if the boss cannot pay, the Gov. should fill in the blank. we cannot live our lives like that everyday. The Gov. need to show some responsibility to create good paying jobs, like the number one county, China.

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