How to call equifax and talk to a person?

The information in your credit report can affect your buying power and your chance to get a job, rent or buy a place to live, and buy insurance. Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. Some employers use credit reports in hiring decisions. The strength of your credit history also affects how much you will have to pay to borrow money. You’ll want to be sure the information in your report is both accurate and complete. Find out by regularly checking your credit report. You have the right to get free copies of your credit report from each of the three major credit bureaus once every 12 months. (That’s Experian, Equifax, and TransUnion.) To get your free credit reports, go to AnnualCreditReport.com.

Through December 2023, everyone in the U.S. can get a free credit report each week from Equifax, Experian, and TransUnion at AnnualCreditReport.com. Also, anyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at AnnualCreditReport.com.

Checking your credit report is also a good way to spot identity theft. That’s when someone uses your personal information — like your name and address, credit card or bank account numbers, Social Security number, or medical insurance account numbers — without your permission. They might buy things with your credit cards, get new credit cards in your name, open a phone, electricity, or gas account in your name, steal your tax refund, or use your health insurance to get medical care.

Then, when they don’t pay the bills, the account is reported on your credit report as unpaid and delinquent. Inaccurate information like that could end up on your credit report and affect your ability to get credit, insurance, or even a job. If you think someone might be using your personal information, go to IdentityTheft.gov to report it and get a personalized recovery plan.

If there’s information in your credit history that’s correct, but negative — for example, if you’ve made late payments — the credit bureaus can put it in your credit report. But it doesn’t stay there forever. As long as the information is correct, a credit bureau can report most negative information for seven years, and bankruptcy information for 10 years.

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that’s wrong or incomplete in your report. And they have to do it for free. To correct mistakes in your report, contact the credit bureau and the business that reported the inaccurate information. Tell them you want to dispute that information on your report. Here’s how.

You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureau’s dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send. If you send your dispute by mail, you can use the address found on your credit report or a credit bureau’s address for disputes.

If the business keeps reporting the disputed information to a credit bureau, it must let the credit bureau know about your dispute and the credit bureau must include a notice that you are disputing it as inaccurate or incomplete. If the business finds the information you dispute to be inaccurate or incomplete, the business must tell the credit bureau to update or delete that information from your report.

• Experian: 888-397-3742.
• Equifax: 888-378-4329.
• TransUnion: 888-909-8872.

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Phone: 1-800-209-3247

Email: ecissupport@equifax.com

Equifax Credit Information Services Private Limited

Timings are Monday to Friday 10:00 hrs to 19:00 hrs

For any consumer complaints, please write to:

Equifax Credit Information Services Unit 932, 3rd Floor, Building No 9, Solitaire Corporate Park, Andheri Ghatkopar Link Road, Andheri East, Mumbai 4000093

Email: ecissupport@equifax.com Toll Free number: 1-800-209-3247

Dispute Resolution:

In case the time lines of 30 days for disputes are not met, you can reach out to our nodal officer as mentioned below.

Nodal Officers:

In case there is no response from the Nodal Officer within 7 days you can reach out to our principal nodal officer.as below:

Principal Nodal Officer: