Equifax is one of the three major credit bureaus in the U.S., alongside Experian and TransUnion. It collects and maintains financial data on millions of consumers, affecting credit scores, loan approvals, and financial opportunities.
At Consumer Rights Law Firm PLLC, we help consumers dispute errors, challenge unfair credit reporting, and hold Equifax accountable under the Fair Credit Reporting Act (FCRA).
What Does Equifax Do?
Equifax gathers and reports your credit history to:
✔️ Banks and lenders to determine loan approvals and interest rates.
✔️ Landlords when screening rental applications.
✔️ Employers conducting background checks.
✔️ Insurance companies evaluating risk.
🚨 If Equifax reports inaccurate or outdated information, it could lower your credit score and impact your financial future.
How to Get Your Free Equifax Credit Report
Under the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report per year from Equifax.
🔹 Request it online at www.annualcreditreport.com
🔹 You can also contact Equifax directly:
📞 Phone: 1-888-548-7878
🌍 Website: www.equifax.com
➡️ Tip: Review your credit report regularly to check for errors or fraudulent activity.
Common Errors on Equifax Credit Reports
Errors on your Equifax credit report can damage your credit score and lead to denied loans, increased interest rates, or financial hardship. Common mistakes include:
❌ Incorrect personal details (wrong name, address, or Social Security number).
❌ Accounts that don’t belong to you (caused by identity theft or mix-ups).
❌ Duplicate accounts (debts appearing multiple times).
❌ Old negative accounts that should have been removed.
❌ Fraudulent charges from stolen credit or identity theft.
🚨 If you find errors, you have the legal right to dispute them.
How to Dispute an Error with Equifax
If you find incorrect or fraudulent information on your Equifax credit report, follow these steps:
✅ Gather supporting documents (bank statements, proof of payments, ID, etc.).
✅ File a dispute online, by phone, or by mail:
🌍 Online: Equifax Dispute Center
📞 Phone: 1-866-349-5191
📬 Mail: Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256
✅ Equifax has 30 days to investigate and must either correct the issue or explain why it remains.
✅ If Equifax does not correct the error, you may have a legal case under the FCRA.
What If Equifax Refuses to Fix an Error?
If Equifax fails to remove false or unverifiable information, you have the right to take legal action under the Fair Credit Reporting Act (FCRA). You may be entitled to:
💰 Compensation for financial damages caused by incorrect credit reporting.
💰 Up to $1,000 per violation in statutory damages.
💰 Correction or removal of inaccurate information from your credit report.
At Consumer Rights Law Firm PLLC, we help consumers fight back against Equifax when they fail to correct credit report errors.
Need Help With an Equifax Credit Issue?
If Equifax has reported incorrect information, failed to fix an error, or damaged your credit unfairly, Consumer Rights Law Firm PLLC is here to help. We’ll guide you through the dispute process and take legal action if necessary.
📞 Call us at 877-700-5790
📧 Email us at help@consumerlawfirmcenter.com
Don’t let Equifax’s mistakes hurt your credit—know your rights and take action today!