Live data from Hacker News

Reported difficulties getting help on Equifax's phone lines

washingtonpost.com

21–30 of 125 posts

Re: Reported difficulties getting help on Equifax's phone lines

#21
post #16

Honestly, I would have expected it to take hours. 42 minutes is actually not too bad, I've been on hold with my ISP for longer than that. To be fair, he didn't get the answer he was looking for, so this could have dragged on much longer if he persisted in the phone-only route. I actually would have preferred that instead.

> I've been on hold with my ISP for longer than that Sounds like it's time for a new ISP. I get impatient with XS4ALL after more than a minute or two, but then they've been spoiling me with sub-minute answering times for years. They scored extremely well in ratings, I figured they went "well we can do a little less well and save some money". Still great service -- but to come back to your situation, 42 minutes is rid…

This was years ago with Time Warner. I've since moved and found much better service, thankfully.

Re: Reported difficulties getting help on Equifax's phone lines

#22
post #5

TL;DR: Equifax phone lines unhelpful for anything. Suggestion, from https://www.reddit.com/r/personalfinance/comments/6yv4gb/off... If you do nothing else, place an initial 90 day fraud alert on your file. This is free and will require lenders to contact you if someone (including yourself) tries to apply for credit. Government info. You only have to do this with one bureau in order for the alert to be placed on all t…

So ... what happens if I list myself as Active Duty? They also have a 7 year extended plan.

http://www.equifax.com/credit/fraud-alerts/&

3 Main Types of Alerts and Length of Effectiveness:

  Initial Fraud Alert: 90 days
  Active Duty Alert: 1 year
  Extended Fraud Alert: 7 years
Extended Fraud Alert Request Form

To place an extended fraud alert on your credit file please send to Equifax – via Fax or US Mail - a valid police report, law enforcement agency report, or US Postal service report that allege mail theft. In addition, please provide a photocopy of one item from each of the categories below in order to verify your identification and address. The item you select from the identity category must contain your Social Security number and the item you select from the address category must contain your current mailing address.

Why do I need a police report when I have every major newspaper supporting my case?

Re: Reported difficulties getting help on Equifax's phone lines

#23
post #9
post #5

TL;DR: Equifax phone lines unhelpful for anything. Suggestion, from https://www.reddit.com/r/personalfinance/comments/6yv4gb/off... If you do nothing else, place an initial 90 day fraud alert on your file. This is free and will require lenders to contact you if someone (including yourself) tries to apply for credit. Government info. You only have to do this with one bureau in order for the alert to be placed on all t…

Yeah, I just tried to add this via the Equifax link, entered all of my info, and got an instant "the system is down" error. Edit: Experian displays a grey screen that says "Loading" Edit: TransUnion requires I set up an account.

TransUnion broke on the second to last step of setting up an account for me. "Technical difficulties" message.

Re: Reported difficulties getting help on Equifax's phone lines

#24
post #2

I am tempted to say I am appalled by the utter disregard these credit reporting agencies have for consumers, but I am not really surprised. Coming from a country with a tradition of public institutions, it is amazing to see private credit reporting agencies in US, because this should be a public service from the Government.

Then you might be really shocked to find out that criminal background checks are often done by private companies, and they don't even have to be licensed. I guess folks have a lot of trouble trying to clear up inaccuracies.

Back to credit checks, the laws are a bit weird as well. Someone can simply pay their bills - phone, power, rent, and so on - on time for years and live within their means... and not be able to get good rates on loans and stuff because they have no credit. However, if they move and forget to pay their last electric bill from their old address, they'll suddenly have bad credit because it will be reported to the credit companies eventually. There is no requirement for the same places to report positives. Oh, and I might mention the actual scoring is a secret, though they'll give tips on improving it (like making sure to have a credit card and actually use it, have auto loans, and so on).

Re: Reported difficulties getting help on Equifax's phone lines

#25
post #11

Earlier quoted context omitted.

Hopefully saving people some time - Equifax is "unable to process" online requests - which they tell you after your submit the form. And Transunion's website for fraud alerts is currently "temporarily unavailable".

Equifax processed my request OK and gave me a confirmation #. I'd suggest trying again.

[deleted]

Re: Reported difficulties getting help on Equifax's phone lines

#26
post #5

TL;DR: Equifax phone lines unhelpful for anything. Suggestion, from https://www.reddit.com/r/personalfinance/comments/6yv4gb/off... If you do nothing else, place an initial 90 day fraud alert on your file. This is free and will require lenders to contact you if someone (including yourself) tries to apply for credit. Government info. You only have to do this with one bureau in order for the alert to be placed on all t…

if none of us sign up for this and then flood the 3 CRAs with real identity fraud incidents, then perhaps they will take things more seriously in the future.

Re: Reported difficulties getting help on Equifax's phone lines

#27
I have spent a very large amount of time over the past few years attempting to correct Equifax's record of my information (all to the now-apparent end of reducing noise in the hacker's data). They somehow had my SSN associated with someone else, leading to a few rejected credit applications.

Equifax customer service reps are very poorly trained. The singular goal of all Equifax employees with whom I interacted was to make me Someone Else's Problem. To that end, they deployed several tactics:

* Telling me I'm calling the wrong Equifax customer service phone number

* Telling me I'm calling the wrong new Equifax customer service phone number

* Telling me to mail in just one more piece of identification

* Telling me they never received snail-mailed documents

* Telling me received snail-mailed documents "were not yet in the system" (over a week after receipt)

* Telling me to fax documents, not mail them

* Telling me the fax number I have is old, wrong, and no longer used

* Telling me the new fax number I have is old, wrong, and no longer used

* Telling me to call the bank providing my credit card, and get them to send my info to Equifax

* Mysteriously hanging up

* Again telling me the identification documents provided were insufficient

Finally I just sat on the phone for several hours with a customer service agent who had not yet discovered the complete lack of consequences for hanging up, asking what additional information would be provided by whatever additional piece of ID they were requesting. It escalated up the supervisor chain a few times, went on hold for half an hour, then I was just suddenly told the problem was taken care of and disconnected.

The problem wasn't taken care of, and the perpetual complimentary credit monitoring service subscription I have from some past data breach other another continued to fail its Equifax enrollment. Finally, a year, later, the problem fixed itself.

This company is trash.

Re: Reported difficulties getting help on Equifax's phone lines

#28
> I could set up a 90-day fraud alert that would force creditors to call me — at a number of my choosing — before agreeing to open any new accounts in my name.

This should be the default, for everyone, for free. If banks don't want to do the bare minimum to verify your identity, the liability for identity theft should be on them and not you.

Re: Reported difficulties getting help on Equifax's phone lines

#29
post #16

Honestly, I would have expected it to take hours. 42 minutes is actually not too bad, I've been on hold with my ISP for longer than that. To be fair, he didn't get the answer he was looking for, so this could have dragged on much longer if he persisted in the phone-only route. I actually would have preferred that instead.

> I've been on hold with my ISP for longer than that Sounds like it's time for a new ISP. I get impatient with XS4ALL after more than a minute or two, but then they've been spoiling me with sub-minute answering times for years. They scored extremely well in ratings, I figured they went "well we can do a little less well and save some money". Still great service -- but to come back to your situation, 42 minutes is rid…

Hahahahahahahahahahahahahahahahaha. You think most of us have a choice in ISP? That's cute.

Re: Reported difficulties getting help on Equifax's phone lines

#30
post #28

> I could set up a 90-day fraud alert that would force creditors to call me — at a number of my choosing — before agreeing to open any new accounts in my name. This should be the default, for everyone, for free. If banks don't want to do the bare minimum to verify your identity, the liability for identity theft should be on them and not you.

Totally agree. It's hard to believe that this is not the case already.
Post reply on HN