What is the most common complaint against Equifax, Inc.?

The most common issue consumers report about Equifax, Inc. is "Attempts to collect debt not owed", specifically "Notification didn't disclose it was an attempt to collect a debt". This is based on 55,160 complaints filed with the CFPB.

Are complaints against Equifax, Inc. increasing or decreasing?

Complaints against Equifax, Inc. are rising. The company received 17,512 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Equifax, Inc.'s reputation grade?

Equifax, Inc. has a reputation grade of D (score: 52.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Equifax, Inc. respond to consumer complaints?

Equifax, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Equifax, Inc. operate?

Equifax, Inc. has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (14,759 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Equifax, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

28,023
Written notification about debt

23,838
False statements or representation

1,578
Took or threatened to take negative or legal action

1,243
Communication tactics

238
Threatened to contact someone or share information improperly

96

Data updated September 2026

CFPB complaint disposition

CCDB record equifax-inc Equifax, Inc.

Grade D · 55,160 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2 · compose #3816

VOL 55,160
GRADE D
12MO 17,512
STATES 54
TIMELY 100%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #2
COMPOSE #3,816

Volume peers

Nearest volume peer: Transunion Intermediate Holdings, Inc. (56,286 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Equifax, Inc.'s 55,160 CFPB complaints sit next to Transunion Intermediate Holdings, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Steady monthly series

Texas is the plurality state for Equifax, Inc. (26.8%)

Volume rank #2 and composite rank #3,816 diverge by 3,814 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 26.8%; Mid-band (15–30%) · 54 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2026-01 at 7.9% (588 filings)
Divergent corpus ranks: #2 volume; #3,816 composite; Cleanest-composite ladder is 3,814 places worse than volume

How does Equifax, Inc. compare to its peers?

How does EQUIFAX, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

EQUIFAX, INC. National average

Complaints (last 12 mo)lower is better

17,512

17,761

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

22%

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	28,023
Written notification about debt	23,838
False statements or representation	1,578
Took or threatened to take negative or legal action	1,243
Communication tactics	238
Threatened to contact someone or share information improperly	96
Electronic communications	77
Cont'd attempts collect debt not owed	36
Disclosure verification of debt	25
Improper contact or sharing of info	4

Where do complaints against Equifax, Inc. come from?

Equifax, Inc.'s own per-state count, not a national baseline.

Texas

14,759
Florida

5,910
California

4,741
Georgia

4,290
New York

2,631
Pennsylvania

2,441
Virginia

1,718
Illinois

1,664

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Equifax, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 55,160.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.94948550046773%.

4 peers

Know your rights before responding to Equifax, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.