Total CFPB complaints
53,450
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 53,450 complaints
EQUIFAX, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about EQUIFAX, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
26,653 complaints
- Written notification about debt
Written notification about debt
23,334 complaints
- False statements or representation 1,346
False statements or representation
1,346 complaints
- Took or threatened to take negative or legal action 1,056
Took or threatened to take negative or legal action
1,056 complaints
D
Grade D · 54.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about EQUIFAX, INC.?
EQUIFAX, INC. has accumulated 53,450 total CFPB complaints across 54 states, with 24,277 filed in the most recent 12 months against 29,173 historical complaints before that window. The trailing-12-month volume represents 45.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Notification didn't disclose it was an attempt to collect a debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 54 states, led by Texas with 14,460 and Florida with 5,734, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.5/100 places EQUIFAX, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24,277
45.4% of total history
Rising ↑
States active
54
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
54.5/100 composite
Response-quality profile
How EQUIFAX, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does EQUIFAX, INC. compare to its peers?
EQUIFAX, INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Written notification about debt23,334 (%)
Attempts to collect debt not owed26,653 (%)
False statements or representation1,346 (%)
Took or threatened to take negative or legal action1,056 (%)
Most common issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 20,290 |
| Attempts to collect debt not owed | Debt was result of identity theft | 13,255 |
| Attempts to collect debt not owed | Debt is not yours | 12,239 |
| Written notification about debt | Didn't receive enough information to verify debt | 2,101 |
| False statements or representation | Attempted to collect wrong amount | 1,346 |
| Written notification about debt | Didn't receive notice of right to dispute | 943 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 858 |
| Attempts to collect debt not owed | Debt was paid | 772 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 387 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 198 |
Where do complaints against EQUIFAX, INC. come from?
The states where consumers have filed the most CFPB complaints against EQUIFAX, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against EQUIFAX, INC.
Across 54 states with at least one filing
- Texas
Texas
14,460 complaints
- Florida 5,734
Florida
5,734 complaints
- California 4,539
California
4,539 complaints
- Georgia 4,117
Georgia
4,117 complaints
- New York 2,579
New York
2,579 complaints
- Pennsylvania 2,217
Pennsylvania
2,217 complaints
- Virginia 1,698
Virginia
1,698 complaints
- Illinois 1,621
Illinois
1,621 complaints
Frequently Asked Questions
What is the most common complaint against EQUIFAX, INC.? ▼
The most common issue consumers report about EQUIFAX, INC. is "Written notification about debt", specifically "Notification didn't disclose it was an attempt to collect a debt". This is based on 53,450 complaints filed with the CFPB.
Are complaints against EQUIFAX, INC. increasing or decreasing? ▼
Complaints against EQUIFAX, INC. are rising. The company received 24,277 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: 54.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (14,460 complaints).
What can I do if EQUIFAX, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If EQUIFAX, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |