Resumen del cargo
This is a legitimate charge from Equifax.
What is the Equifax charge?
If you see a charge from Equifax, it is often related to a paid subscription or value-added product, such as credit monitoring or identity theft protection.
While Equifax provides some free services (like checking your credit report once a year), their premium products carry monthly or annual fees.
Unauthorized Charges and Fraud
If you are certain you never signed up for any Equifax product, this could be a sign of unauthorized activity.
In this case, you should consider placing a fraud alert or security freeze on your credit report, which you can do for free through the official Equifax website.
- Step 1 Check your email inbox (including spam) for a subscription renewal notice from Equifax.
- Step 2 If the charge is for a product you no longer want, contact Equifax customer support to request cancellation and a refund.
Is the Equifax service free?
Statutory credit reports and freezes are free, but they sell premium monitoring products. Always ensure you are on the official website to avoid scams.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
As práticas de cobrança podem variar. Confirme sempre no extrato antes de contestar.
Fuentes verificadas
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov