Credit Reporting Agencies

Equifax Information Services LLC

Address

P.O. Box 740241
Atlanta, GA 30374

6 Clementon Road
East Suite A2
Gibbsboro, New Jersey 08026

Contact them

Phone: Order free credit report: (800)685-1111
Phone: Dispute credit report: (888)766-0008

Website: https://www.econsumer.equifax.com/otc/showmyequifax.ehtml

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Who is Equifax Information Services LLC and What Does Equifax Information Services LLC Do?

Equifax Information Services LLC is a credit reporting agency. Equifax gathers and maintains information on over 400 million consumers worldwide. Equifax then provides this information in the form of a credit report to companies or persons that request it, such as lenders from whom you are seeking credit, employers from whom you are seeking employment, insurance companies from whom you are seeking insurance, or a potential landlord. A credit report contains your name, address, social security number, date of birth, and employment information. A credit report also contains information about credit cards, mortgages, car loans, student loans, and the like, as well as how much you owe on each, and your history of making payments on each. A credit report also contains information about Court judgments against you, any lax liens against your property, and whether you have ever filed for bankruptcy.

Equifax Information Services LLC was founded in 1899. Equifax is headquartered in Atlanta, Georgia.

While Equifax Information Services LLC is an important part of our economy based on credit, unfortunately, they commonly make mistakes. It is estimated that one in three consumers has an error on his or her credit report. It is also estimated that one in five consumers has an error on his or her credit report which could stop him or her from being able to obtain new credit.

 

Common Mistakes, Errors, and Inaccuracies Found on Equifax Information Services LLC Credit Reports

Under the Fair Credit Reporting Act, negative information should drop off your report after seven and a half years. A bankruptcy may remain on your report for up to ten years. If these items do not drop off in the time allowed, this is a violation of the Fair Credit Reporting Act. Other commons errors include mistaken or fraudulent accounts, incorrect account details, incorrect balances owed, and incorrect payment history. Such mistakes can drastically decrease your credit score.

 

What the Law Requires Equifax Information Services LLC to Do

The Fair Credit Reporting Act regulates the collection, disclosure, and use of consumer credit information. According to the Fair Credit Reporting Act, a bankruptcy must be deleted ten years from the date of discharge. Judgments must be deleted after seven years. Charge offs and collections must be deleted after seven years.

Equifax Information Services LLC is required by law to ensure “the maximum possible accuracy” of their consumer credit reports. If you dispute the accuracy of an account directly with the Equifax, Equifax must provide a “reasonable investigation” of your dispute within thirty days. Equifax must notify you of their results of their investigation. Even if Equifax keeps an account on your credit report after your dispute, Equifax must still mark that account as “disputed.” If Equifax fails to do any of this, they may be liable to you for statutory damages and possibly actual damages, as well as the cost of your attorneys’ fees.

My son had an accident in 2013 and i took him to the emergency and i never got the bill or they never got a hold of me the only time they contact me was to let me know they were gonna help me pay the bill since i was low income and from there i never heard from them, and know suddenly i check my Equifax credit report and i see this debt. It got me by surprise since i thought that was the purpose of the call since I was low income and i didn’t have insurance back then i thought that was the purpose of the lady’s call then i never heard from her and know I check my Equifax credit report and it says that i have a debt in collection but no one the hospital or the collection company has ever got a hold of me or send me any bill and I tried calling the hospital and called the billing office and explain the situation and they told me they would call me back and i called again and one of the ladies put me on the phone with her supervisor and she didn’t answer i left a message and they still haven’t called me so I’m wondering can i get legal representation for this because I don’t think is fair that they didn’t even let me know or gave me a chance to try to pay it and its messing up my credit.

Gabriela M.
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My credit card was stolen and purchases were made with a vendor. My credit card company refunded me the fraudulent charges. The vendor sent the account to collections. Equifax is reporting this collection account. This collection on my Equifax credit report is fraud. I sent a dispute to Equifax and they will not remove it, despite the fact that it is fraudulent. I have even sent Equifax documentation to prove that this is fraudulent. Still no removal from Equifax.

Rocky M.
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Equifax Information Services LLC is the only credit bureau which continues to report false credit information. Equifax Information Services LLC reports a judgment which belongs to my dead son. The only reason my dead son ever got a judgement against him was because he couldn’t pay because he died. My dead son had the same name as me. I have written Equifax Information Services LLC numerous times. Equifax Information Services LLC will not take it off my credit report. I have to deal with Equifax Information Services LLC in addition to grieving for the loss of my dear son.

[anonymous]
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victim of identity theft got police report and identity theft report equifax has not blocked it

GEORGE GEIST
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* Vullings Law Group, LLC is not responsible for the content of the comments written above and it does not endorse the ideas or opinions therein.

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