![]() Visit our dispute page to learn more about filing a dispute with Equifax. You can also file a dispute with any of the three nationwide credit bureaus reporting the information. If you still have questions, contact the lender or creditor. When reviewing your Equifax credit report, you may want to consider the above scenarios to ensure there are no actual duplications in your file. This occurs because student loans are reported according to the disbursement of funds and may have similar account numbers. Keep in mind, student loans may be reported in multiple accounts. But Equifax never actually asks for the PIN. When either of these occur, note that the accounts are considered different accounts and not duplicates. Equifax’s site says it will require users requesting changes to an existing credit freeze to have access to their freeze PIN and be ready to supply it. The credit card company may report the original account as "lost/stolen" and begin reporting a new account number. You report your credit card as lost or stolen. After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN (personal identification number).Sometimes when this occurs, the original lender or creditor will report its account as being "transferred/sold" and then the new lender will begin reporting the new account with a new account number. 'Do you have a car lease by company' but never the PIN. The account has been transferred or sold to another lender. I called Equifax to temporarily lift my credit freezes AND THEY DIDNT ASK FOR MY PIN They asked their standard questions, e.g.If an account does appear more than once, it may be due to one of the following reasons: The initial deadline to file a claim in the Equifax settlement was January 22, 2020. The settlement includes up to 425 million to help people affected by the data breach. Some lenders and creditors issue different types of accounts using similar account numbers, which may look like the same account. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. There may be several reasons an account may appear to be on your Equifax credit report more than once.
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