Equifax is without a doubt the most inept consumer reporting company ever allowed to stay in business. It took me 3 months to get a copy of my "free" credit report, only to find out they didn''t have my birthdate correct.(I'm over 50, don't you think they have had enough time to get it right?) When I went to file my online dispute and after I had entered all the information, and carefully checked it twice, I was informed that the online service was temporarily not working. I had spent nearly an hour filling everything out. The internet then informed me that there was a number on my report that I could call to dispute by phone. I can only find automated numbers. It is impossible to speak to a human being at any hour of the day! TransUnion and Experian were fabulous to deal with and made the appropriate changes immediately. Why is Equifax allowed to operate in such a deliberately inefficient way?