How rubbish are Equifax???

tigerlily44

I've been trying for a while now to get a report from Equifax due to moving house and wanting to make sure all my CRA files were correct and up to date.
No problem with Experian up and running and did the 30 day free trial and got a default removed which had nothing to do with me with no issues.
Equifax however have asked me for identity documents which they have had since November and I can't get any sense out of them as their agents tell me differing stories as to whether they have had them or not (both scanned and posted, recorded delivery, more than once).

I know some companies still do use Equifax exclusively so wanted to see the file to know what was on it but am no further forward.

Anyone got any names or numbers of anyone in Equifax that you can escalate to?

thanks
tiger

bengalknights

You could just send a cheque to them and request the paper copy this should be provided within 7 days and saves you having to provide all the paperwork again etc

CpdButWhy

If you want to see specifically the addresses, Checkmyfile is actually able to obtain that part from Equifax. That may be faster than getting Equifax move.

Escalation to another person at Equifax seems to be impossible without documents to act on. Try asking for their manager, they seem to be a bit more willing to do something useful.

dmarie_2

I recommend not touching Equifax with a barge pole. Having just followed a link in Martin's newsletter, I decided to benefit from a cashback deal on the 30 day free trial. I checked the credit report and it was just as expected. I then wanted to cancel, as I can see no value whatsover in paying £6.99 per month to access the report. However cancelling is easier said than done. "Contact Us" links lead nowhere, except to automated responses. I work within the web design industry and as Equifax are selling online, they have a legal obligation to display an email address for contact purposes (and not hidden away in small print somewhere). Despite looking on every page, I could not find this. The only way to contact them was to call a pricey 0844 number and speak to someone who tries to prevent you from cancelling by using scare tactics ("you won't know if somebody is stealing your identity") and when I was adamant, offering to exchange it for another product which was "free for a year" and no mention of how much it would cost after. Surely this can't be legal? I love Martin's tips, but this is one that I would avoid and I don't think deserves any publicity. We'll wait and see if the cashback materialises.....

izools

dmarie wrote: »

I recommend not touching Equifax with a barge pole

That's pretty bad advice. Although they can be a nightmare to deal with, they are used by a plethora of banks and creditors / service providers and if you are turned down it's essential to find out what data they hold on you and correct whatever may be causing declines.

I signed up for Equifax a few years ago, called the number, photo'd my ID, attached it to an online ticket, and had access.

I don't see the problem. They are very cautious so as to ensure the applicant isn't committing ID theft and that is nothing other than good. If they didn't require ID and verification of the data regarding accounts you hold, how would they be sure not to be releasing data to people committing identity theft?

... Simples

CpdButWhy

dmarie wrote: »

I recommend not touching Equifax with a barge pole. Having just followed a link in Martin's newsletter, I decided to benefit from a cashback deal on the 30 day free trial. I checked the credit report and it was just as expected. I then wanted to cancel, as I can see no value whatsover in paying £6.99 per month to access the report. However cancelling is easier said than done. "Contact Us" links lead nowhere, except to automated responses. I work within the web design industry and as Equifax are selling online, they have a legal obligation to display an email address for contact purposes (and not hidden away in small print somewhere). Despite looking on every page, I could not find this. The only way to contact them was to call a pricey 0844 number and speak to someone who tries to prevent you from cancelling by using scare tactics ("you won't know if somebody is stealing your identity") and when I was adamant, offering to exchange it for another product which was "free for a year" and no mention of how much it would cost after. Surely this can't be legal? I love Martin's tips, but this is one that I would avoid and I don't think deserves any publicity. We'll wait and see if the cashback materialises.....

You can submit questions, which are replied by people.

You can send them certified mail for cancellation.

Martin's advice does not have anything to do with whether you should subscribe to it or not. He just said that if you want to, you can do it for free... As for cancellation, it is not Martin's but Equifax's fault that they want to rob you by preventing you from unsubscribing as much as they can and still not cross the line to illegality.

Mowgli87

I just cancelled the Direct Debit as soon as they set up. not the best or most convenient way of doing it... but it saved me trying to get hold of someone for days on a expensive phone numbers

izools

Mowgli87 wrote: »

I just cancelled the Direct Debit as soon as they set up. not the best or most convenient way of doing it... but it saved me trying to get hold of someone for days on a expensive phone numbers

Equifax don't charge by direct debit, they charge by card mandate. The only way to cancel that without speaking to Equifax is to report your card stolen.

wizzywig27

izools wrote: »

Equifax don't charge by direct debit, they charge by card mandate. The only way to cancel that without speaking to Equifax is to report your card stolen.

even that does not work mate, as it is a guaranteed payment. I think dependant on the bank, they may have the means to do this, but VISA regulations state that all payments have to be honoured..

Mowgli87

izools wrote: »

Equifax don't charge by direct debit, they charge by card mandate. The only way to cancel that without speaking to Equifax is to report your card stolen.

What the hell did I cancel then?

Seriously, I cancelled a monthly charge to equifax through my online banking... jusssayin

izools

wizzywig27 wrote: »

even that does not work mate, as it is a guaranteed payment. I think dependant on the bank, they may have the means to do this, but VISA regulations state that all payments have to be honoured..

Any time I've cancelled / re-ordered the card linked with my EQ subscription I get emailed saying payment declined and after a while the subscription cancels and I can sign up for the 30 day trial again (with more Cashback )

I know it works with LTSB and Capital One, not sure about other card issuers.