Total complaints
146
Filed since 15 U
2026 data Public-data reference. official source
Equifax
146 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
146 consumer complaints filed with the CFPB
This profile shows Equifax's complaint history from CFPB public records. 146 consumers have filed complaints since 15 U. The company has a 0% timely response rate and has provided relief in 0% of cases.
146
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
81
States Active
15 U
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
Equifax complaint mix by product
- Equifax 20 35.7% – 0% relief
- TX XXXX 14 25.0% – 0% relief
- XXXX 6 10.7% – 0% relief
- 15 USC 5 8.9% – 0% relief
- per Regulation 4 7.1% – 0% relief
- impartiality 4 7.1% – 0% relief
- several charge-off 3 5.4% – 0% relief
How Equifax's 146 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Equifax | 20 |
| TX XXXX Equifax Information Services | 14 |
| XXXX | 6 |
| 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness | 5 |
| per Regulation F | 4 |
| impartiality | 4 |
| several charge-off accounts are inaccurately reported with conflicting balances and statuses across the three credit bureaus | 3 |
| yet the information remains on my report in violation of FCRA 623 ( a ) ( 1 ) ( A ) | 3 |
| the account XXXX XXXX XXXX with a reported balance of {$21000.00} | 3 |
| XXXX XXXX XXXX XXXX accounts with balances of {$6000.00} | 3 |
| LA XXXX XXXX | 3 |
| the following charged-off accounts are inaccurately reported and unverifiable : XXXX XXXX XXXX with a balance of {$200.00} | 3 |
| I demand the following : A full Method of Verification ( MOV ) under 611 ( a ) ( 7 ) A copy of the original signed contract/application for this account Full payment history with specific late dates and dates of charge-off A full explanation of the discrepancy in late payments and reporting periods Tangible documentation showing the Date of First Delinquency The name | 3 |
| the account XXXXXXXX XXXX XXXX XXXX is incorrectly reported as a charged-off account with a balance of {$0.00} across all three credit bureaus. This reporting is misleading and unverifiable | 2 |
| closed | 2 |
| FCRA 623 ( a ) ( 1 ) ( A ) | 2 |
| multiple collection accounts are being reported in violation of FCPA 807 ( 15 U.S.C. 1692e ) | 2 |
| I have the right to dispute inaccurate information and demand correction. 15 U.S.C. 1681i requires that if disputed information is found to be inaccurate or can no longer be verified | 2 |
| Experian | 2 |
| FTC | 2 |
| TX XXXX Equifax XXXX XXXX | 2 |
| you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition | 2 |
| I wrote to each credit reporting agency ( XXXX | 2 |
| State and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct | 1 |
| which prohibits unfair or deceptive practices XXXX also violated the FDCPA | 1 |
| I have continuously submitted disputes to XXXX | 1 |
| Equifax is legally obligated to conduct all reinvestigations using reliable | 1 |
| these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to | 1 |
| and they are still on my credit report. If you had investigated properly | 1 |
| but no proof | 1 |
| complete information FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false | 1 |
| XXXX XX/XX/XXXX | 1 |
| I did NOT give XXXX | 1 |
| under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft | 1 |
| so I am requesting the general or specific certification that was given to you | 1 |
| along with copies of the letters sent to each company | 1 |
| pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party '' means any entity that is not an affiliate of | 1 |
| aka XXXX XXXX XXXX | 1 |
| I can not buy a new car to help me travel to and from work or appointments | 1 |
| other than this FRAUD derogatory XXXX XXXX XXXX Acct # XXXX account | 1 |
| Equifax Credit reports there are 4 inquires on those reports | 1 |
| NJ XXXX Dear sir | 1 |
| a XXXX XXXX by the name of XXXX posted a database entitled National Public Data on a dark web forum | 1 |
| to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry | 1 |
| and legal action will be taken accordingly. 2. Violation of 15 U.S. Code 1681c ( a ) Exclusion of Adverse Information Under 15 U.S. Code 1681c ( a ) | 1 |
| I wrote to each credit reporting agency ( XXXX Equifax | 1 |
| it is imperative that consumer reporting agencies uphold their responsibilities with fairness | 1 |
| section 2 states that 'In general | 1 |
| '' as classified under the aforementioned statute | 1 |
| I promptly contacted the Timeshare Defense Attorneys | 1 |
| numerous accounts by the name of XXXX XXXX XXXX ( XXXX ) | 1 |
| XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX | 1 |
| and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years | 1 |
| I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition | 1 |
| as such they are not party to any claim | 1 |
| I have the right to privacy. I did not provide XXXX | 1 |
| reported a Status as Collection/ Chargeoff. Equifax reported Closed. XXXX reported Closed. These are violations of 12 CFR 1022.3 | 1 |
| Closed | 1 |
| I have yet to receive a response or correction regarding this matter for the complaint that was submitted XX/XX/year>. The following account continues to appear on my credit report | 1 |
| my credit report directly impacted my ability to secure a career opportunity | 1 |
| I have unequivocally rescinded all permission for the furnishing of my personal information | 1 |
| account payoff | 1 |
| which prohibits unfair or deceptive practices PRA also violated the FDCPA | 1 |
| and communication with the FTC | 1 |
| I have the legal right to dispute any inaccurate | 1 |
| and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX card was opened in XXXX and not reported on my credit file immediately | 1 |
| XXXX XXXX XXXX responded by asking for additional documentation | 1 |
| XXXX XXXX | 1 |
| I wrote to each credit reporting agency XXXX XXXX | 1 |
| and its reporting by not reflecting that we would be shown has LATE on our Mortgage while we were within the Legal Limits. And XXXX of that XXXX XXXX XXXX. No matter what happens | 1 |
| but the Dispute with XXXX XXXX was resolved in my favor on a XXXX Credit Card Account that I was told would be CLOSED | 1 |
| that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. XXXX credit cards ending in XXXX and XXXX disclosed | 1 |
| you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX | 1 |
| on XX/XX/XXXX | 1 |
| under the purview of the Consumer Financial Protection Bureau ( CFPB ) . This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft | 1 |
Top States
| State | Complaints |
|---|---|
| XXXX | 11 |
| and XXXX are disputed by the consumer and the consumer notifies the agency directly | 9 |
| and TransUnion | 6 |
| and XXXX | 5 |
| and XXXX do not have my consent to furnish this information | 5 |
| and TransUnion ) Stop all communication regarding this account BE ADVISED : Continuing to pursue this debt without proper and complete validation violates : 15 U.S.C. 1692g Validation of debts 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692c Improper communication practices 12 CFR 1006 Regulation F : Debt Collection Rule Violations are subject to statutory damages of up to {$1000.00} per violation | 4 |
| and TransUnion credit reports. I have never applied for | 4 |
| and TransUnion. | 4 |
| and TransUnion. My name and personal information were compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach | 4 |
| and TransUnion. XXXX XXXX XXXX shows {$420.00} in all three bureaus | 3 |
| and Experian. This is not only negligent it is unlawful. | 3 |
| and TransUnion credit reports by XXXX XXXX XXXX XXXX | 3 |
| and Experian : I am writing to formally dispute inaccurate and incomplete information on my credit report | 3 |
| TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian | 3 |
| and TransUnion . These accounts continue to appear without proper verification or documentation | 3 |
| and Experian . | 3 |
| and TransUnion * * is inaccurately listed and misrepresents my account status and payment history. These entries are misleading | 2 |
| and TransUnion * *. These accounts are inaccurately portrayed as outstanding or delinquent despite reflecting XXXX balances or incomplete verification | 2 |
| and TransUnion * *. These collection accounts have not been properly validated | 2 |
| TransUnion | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| GA XXXX TransUnion | 16 |
| Equifax | 15 |
| upon request | 9 |
| and a respect for the consumers right to privacy. '' Equifax | 5 |
| you must provide : A detailed validation notice including the name of the creditor | 4 |
| 623 ( a ) ( 5 ) | 3 |
| the same accounts are reporting inconsistent statuses | 3 |
| has been inaccurately reported as a charged-off account without proper verification or issuance of a 1099-C for the debt above {$600.00} | 3 |
| and {$940.00} | 3 |
| IL XXXX Equifax Information Services LLCATTN : Office of the General XXXX XXXX XXXX XXXX | 3 |
| and company of the individual ( s ) who verified this account at each bureau Failure to Resolve If the above information can not be verified | 3 |
| & XXXX ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX | 3 |
| amount | 2 |
| and violates FCRA 611 ( a ) | 2 |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} reporting on Equifax * * | 2 |
| and FCRA 607 ( b ). These include XXXX XXXXXXXX XXXX Balance Owed : {$440.00} reporting on Experian | 2 |
| and 15 U.S.C. 1681c-2 ( 605B ). These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} reporting on Experian | 2 |
| CFPB guidance notes that consumer reporting agencies must correct or delete inaccurate | 2 |
| XXXX XXXX | 2 |
| XXXX | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Equifax
Equifax has accumulated 146 consumer complaints in the CFPB public database, with filings active across 81 U.S. states. Of those submissions, 125 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 15 U, and the most recent logged activity is er contrac, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Equifax reports a 0% timely-response rate and has closed 0.7% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Equifax", and the single most common underlying issue is "GA XXXX TransUnion".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Equifax: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Equifax have?
Equifax has received 146 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Equifax respond to complaints on time?
Equifax has a 0% timely response rate to CFPB complaints.
What is the most common complaint about Equifax?
The most common issue reported against Equifax is "GA XXXX TransUnion" in the "Equifax" product category.
Read our methodology — how this data is sourced, computed, and verified.
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