The short answer
A transaction for EQUIFAX* COMPLETE is a monthly credit report monitoring and identity restoration membership from Equifax Inc.
Why it shows up like this
Equifax provides credit score updates, multi-bureau tracking, and identity theft insurance under its Equifax Complete product line.
Descriptors include EQUIFAX* COMPLETE, EQUIFAX CONSUMER, or EFX*CREDITMONITOR, billing $9.95 to $19.95 per month.
Common reasons for this charge
- An ongoing monthly Equifax Complete Premier or Family plan renewed.
- A promotional trial expired and converted to a paid monthly plan.
- The user enrolled during a credit inquiry or dispute follow-up.
How to locate the invoice and cancel
- Sign in to Equifax Go to my.equifax.com and log in with your username and password.
- Open Membership Settings Select Member Center > Subscription & Billing.
- Cancel Plan Click Cancel Subscription or call Equifax customer care at 1-866-640-2273.
Frequently Asked Questions
Can I freeze my Equifax credit report for free?
Yes. Placing a security freeze on your Equifax report is completely free under federal law, independent of any paid subscription.
Does Equifax offer refunds for monthly fees?
Equifax monthly subscription fees are non-refundable once processed for the current billing cycle.
Dispute Rights & Fraud Prevention
If you did not sign up for Equifax Complete, check whether someone opened an unauthorized account with your details.
Dispute unauthorized transactions with your bank under the Fair Credit Billing Act within 60 days of the charge.
How do I dispute an unrecognized Equifax charge?
Contact your card issuer to report an unauthorized charge and call Equifax customer care.
How long does a dispute investigation take?
Banks have up to two full billing cycles (60 to 90 days) to complete a formal inquiry.
Independent reference — not affiliated with Equifax Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Equifax Terms of Use https://www.equifax.com
- CFPB: How Credit Monitoring Works https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges