An eFAQ charge on your bank or credit card statement comes from eFAQ.com, a subscription service that sells vehicle history reports, property records, license plate lookups, and similar data searches. It has nothing to do with courts or legal filings. If you see one and don’t recognize it, you either signed up (often through a trial that converted to paid billing) or someone else used your payment method to open an account. Either way, you can stop the billing.
What eFAQ.com Actually Is
eFAQ.com is a paid data-lookup platform. A membership includes 20 reports per month across vehicle history, property, and license plate searches, with extra reports at $1.00 each. The service repackages publicly available database information behind a subscription. Memberships often begin with a promotional or free-trial signup that converts to recurring billing, which is why the charge can appear weeks after the original signup.
Check Whether You Signed Up
Open the transaction in your banking app and note the exact date, amount, and any reference number. Billing descriptors are abbreviated, so a charge from eFAQ.com may show up as “EFAQ” with a transaction code attached rather than the full brand name.
Then search your email inbox and spam folder for messages from eFAQ.com around the date the charge first appeared. Subscription services almost always send a welcome email or receipt when billing begins. If you find one, you signed up at some point, likely through a trial that has now converted. If nothing turns up and no one else with access to your card recognizes the service, treat the charge as unauthorized. The eFAQ.com FAQ page confirms this framing directly: if you didn’t sign up, someone else may have used your payment method.1eFAQ. Why Are You Charging Me?
Canceling the Subscription
If the charge is yours and you just want it to stop, cancel through the eFAQ.com website. Log in, go to the membership or billing settings, and complete the cancellation steps. Save a screenshot or the confirmation email. If you can’t access your account, contact the billing support listed on the site with your transaction details.
Watch your next one or two statements. Some services process a final charge for the current billing cycle after you cancel, so confirm any post-cancellation charge matches the terms you originally agreed to.
Disputing an Unauthorized Charge
If you didn’t sign up and no one you know used your card, you can dispute the charge with your card issuer. Federal law gives you 60 days from the date the statement containing the charge was sent to notify your issuer in writing of a billing error.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Missing that window can limit your protections even when the charge is clearly fraudulent.
After you notify them, the issuer must acknowledge your dispute within 30 days and resolve it within two full billing cycles, not to exceed 90 days.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent. If the charge is confirmed unauthorized, the issuer must correct your account and refund related finance charges.
Most card companies accept disputes through their app or website, but sending written notice to the address designated for billing disputes gives you the strongest legal footing. Keep every date, reference number, and piece of correspondence.
Replace the Card If the Charge Wasn’t Yours
An unauthorized eFAQ charge can mean your card number is out in the wild. Ask your issuer to send a new card with a new number. That shuts down any further charges from the same source and is standard practice after unauthorized activity.