Equifax

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 79 historical complaints about Equifax, published between 2002 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Credit history, wiped out from my recordsPublished Dec 19, 2013 · Historical consumer allegation
• Duplicate billingPublished Sep 6, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 23, 2013 · Historical consumer allegation
• Consumer ReportPublished Jan 16, 2013 · Historical consumer allegation
• Registered by opening an emailPublished Dec 28, 2012 · Historical consumer allegation
• Wont cancel monthly reporting servicePublished Oct 23, 2012 · Historical consumer allegation
• Consumer ReportPublished Oct 8, 2012 · Historical consumer allegation
• Will not comply with changing discrepancyPublished Aug 8, 2012 · Historical consumer allegation
• Consumer ReportPublished Jun 15, 2012 · Historical consumer allegation
• No Customer Service—ScamPublished Jun 10, 2012 · Historical consumer allegation
• Cancellation of recurring charge is not possiblePublished Apr 27, 2012 · Historical consumer allegation
• Rip off and impossible to cancel the service InternetPublished Apr 21, 2012 · Historical consumer allegation
• Make it nearly impossible to cancel account and lie to your face about itPublished Dec 23, 2011 · Historical consumer allegation
• Wrong InfoPublished Nov 29, 2011 · Historical consumer allegation
• Refuses to give me my free credit reportPublished Nov 3, 2011 · Historical consumer allegation
• Refuses to Return Remaining Charges After Twice Telling Me It WouldPublished Aug 2, 2011 · Historical consumer allegation
• Impossible to retrieve free copy of report after turn down by credit applicationPublished Apr 17, 2011 · Historical consumer allegation
• Credit bureaus give different scores to lendersPublished Mar 22, 2011 · Historical consumer allegation
• Www.Equifax.com/fcra Website Sucks! Set up to make it very difficult to dispute credit report errorsPublished Mar 11, 2011 · Historical consumer allegation
• Equifax Credit Bureau Equifax verification practices - re-inserted previously deleted item and after disputed it again didn't remove it!Published Dec 15, 2010 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website: https://www.equifax.com/
• Consumer support, 1-888-EQUIFAX (company-published): 1-888-378-4329
• myEquifax account: disputes, freeze, reports, cancel subscription: https://my.equifax.com/membercenter/#/login
• Corporate number listed in SEC filings: 404-885-8000 11 complaints mention this number
• BBB-listed phone (not the company's published support line): 800-685-1111 20 complaints mention this number

Locations

Equifax problems: how to dispute, freeze, get reports or cancel (checked October 7, 2026)

Equifax is a consumer reporting agency: it compiles credit files from lenders and other reporters, so an error on its report often has to be fixed both with Equifax and with the company that supplied the information. The pages below are Equifax's own and the federal agencies' current instructions.

Equifax's own channels (Contact Us page, opened October 7, 2026).

• Phone: 1-888-Equifax (1-888-378-4329), listed for disputes, freezes, fraud alerts and reports; hours listed are 9:00 am to 9:00 pm ET Monday to Friday and 9:00 am to 6:00 pm ET Saturday and Sunday.
• Online: a myEquifax account for disputes, dispute status, security freezes and fraud alerts. The Dispute page says "File or check on the status of a dispute for free."
• By mail: the Contact Us page links printable forms. The dispute form says to send it by U.S. mail with proof of identity and address to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374. The security freeze form lists P.O. Box 105788, Atlanta, GA 30348-5788, and the fraud alert form lists P.O. Box 105069, Atlanta, GA 30348-5069.

Disputing an error. Equifax's Dispute page says results are "completed within 30 days." The CFPB says to start with the credit reporting company, explain in writing what is wrong and why, and include copies (not originals) of supporting documents; its page lists (866) 349-5191 for Equifax by phone and notes you can send the letter by certified mail with a return receipt. The FTC says "However you filed your dispute, the credit bureau has 30 days to investigate it" and that the bureau forwards your evidence to the business that reported the information. The CFPB adds that a credit reporting company generally must investigate within 30 days and has five business days after finishing to notify you, but may take up to 45 days, for example if you dispute after receiving your free annual credit report. Equifax's page also says you can contact the creditor or lender that reported the information and dispute with it directly. Keep copies of everything you send.

Security freeze and fraud alerts. Equifax's Security Freeze page says "Placing, temporarily lifting, or removing a security freeze is free." Its page says a freeze restricts access to your Equifax credit report for the purposes of extending credit in your name, and that you can temporarily lift or permanently remove it when you want to apply for credit. Fraud and active-duty alerts are placed through the same myEquifax account or the mail-in form.

Free reports. Equifax's Free Credit Reports page says you can get free Equifax reports at annualcreditreport.com (it describes this as weekly access from each nationwide bureau) and with a myEquifax account. The FTC's breach-settlement refund page also says all U.S. consumers can get 7 free Equifax credit reports per year through 2026 at annualcreditreport.com. It lists additional free reports under the Fair Credit Reporting Act, for example if you were denied credit or insurance in the past 60 days or have placed a fraud alert.

Cancelling a paid product. Equifax's Help Center says you can cancel "at any time within your myEquifax account by clicking on your name in the top right corner and selecting My Account then Cancel Subscription, or by calling our Customer Care Team at 1-888-Equifax." Its cancellation policy page says monthly subscription cancellations take effect at the end of the current billing cycle, free and reduced-price trials end at the end of the trial period if you cancel before it ends, and one-time credit score and report products expire automatically after 30 days. Many posts on this site from 2004 to 2013 are about unwanted monthly charges after ordering a report or score; the product names and prices in those posts are the posters' accounts and may not match today's offers.

Complaint routes. The CFPB accepts complaints about credit reporting at consumerfinance.gov/complaint/ and sends them to the company; the FTC takes identity-theft reports at IdentityTheft.gov and fraud reports at ReportFraud.ftc.gov; your state attorney general's consumer office also takes complaints. A complaint filed with an agency is a submission, not a finding.

Government actions: CFPB 2025 order, 2019 breach settlement, 2017 credit-score order (status as of October 7, 2026)

These are the agencies' own documents. A consent order is an administrative or stipulated action, and the wording on admissions differs by order.

CFPB Consent Order, January 17, 2025 (2025-CFPB-0002). The CFPB's page says it "issued an order against Equifax, Inc. and Equifax Information Services LLC" and that the Bureau found violations of the Fair Credit Reporting Act, including failing to properly conduct reinvestigations of disputed information, failing to prevent the reinsertion of previously deleted information, failing to give adequate written notice of reinvestigation results, and failing to block reporting of information consumers identified as resulting from identity theft; and unfair acts under the Consumer Financial Protection Act, including "selling inaccurate consumer credit scores and credit attributes after it introduced 'test code' into a production environment in a scoring model server." The order requires a $15 million civil money penalty and compliance steps. The order's findings say that after a March 17, 2022 code change in its Online Model Server, Equifax "concluded that over 600,000 consumers were underscored by 10 or more points and 139,000 consumers saw a score decrease of 25 points or more." The order says Equifax consented "without admitting or denying any of the findings of fact or conclusions of law, except that Respondent admits the facts necessary to establish the Bureau's jurisdiction." Equifax's Form 10-K says it paid $15.0 million in the first quarter of 2025 for a settlement with the CFPB. The order says it terminates on the later of five years from the Testing Completion Date or five years from the most recent date the Bureau initiates an action alleging a violation; no termination notice was found on the CFPB pages opened on October 7, 2026.

2017 data breach: FTC, CFPB and states (announced July 22, 2019). The FTC's release says Equifax agreed to pay at least $575 million and potentially up to $700 million to settle claims by the FTC, the CFPB and 50 U.S. states and territories that its failure to secure its network led to a 2017 breach affecting approximately 147 million people. The FTC alleged hackers exploited an unpatched vulnerability in its ACIS database and took, among other data, at least 147 million names and dates of birth and 145.5 million Social Security numbers. Terms: $300 million to a consumer fund (up to $125 million more if needed), $175 million to 48 states, the District of Columbia and Puerto Rico, and $100 million in civil penalties to the CFPB, plus an information security program with third-party assessments every two years. The CFPB's page describes the settlement as providing up to $425 million in monetary relief to consumers. The FTC's refund page (dated November 2024) says the deadline to file a claim was January 22, 2024, that free identity restoration services remain available until January 2029 for people affected, and that settlement emails come from equifaxbreachsettlement.com addresses.

CFPB order of January 3, 2017. The CFPB's page says it acted against Equifax, Inc. and its subsidiary Equifax Consumer Services LLC "for deceiving consumers about the usefulness and actual cost of credit scores they sold," ordering more than $3.8 million in restitution and $2.5 million in fines. TransUnion was subject to a parallel order.

Other items in Equifax's SEC filings. The 2025 Form 10-K says the U.K. Financial Conduct Authority opened an investigation of Equifax Limited in October 2017 in connection with the 2017 incident and that Equifax paid a $13.5 million penalty to resolve it. The June 2026 Form 10-Q says Equifax received Civil Investigative Demands from the CFPB in July 2023, March 2024 and August 2024 in an investigation of data accuracy and dispute handling at its Workforce Solutions unit, that it is cooperating, and that it cannot predict the outcome.

Scope of this check. State attorney general and state banking or insurance regulator actions beyond the 2019 multistate settlement were not searched individually; none is described in the sources opened on October 7, 2026.

Who Equifax is and what it does

Entity. Equifax Inc. is a Georgia corporation with principal executive offices at 1550 Peachtree Street, N.W., Atlanta, Georgia, and common stock listed on the New York Stock Exchange (EFX). The CFPB's 2025 order says Equifax Information Services LLC "operates a nationwide Consumer Reporting Agency with headquarters in Atlanta, Georgia." The 2025 Form 10-K says Equifax employed approximately 15,000 people in 22 countries as of December 31, 2025.

What it does. The Form 10-K organizes the business into three segments. Workforce Solutions provides income, employment and other verification services and employer services; U.S. Information Solutions provides consumer and commercial information solutions to businesses in the U.S.; and International covers operations outside the U.S. Equifax also sells credit reports, scores, monitoring and identity-protection subscriptions directly to consumers.

Why a file exists. Consumers do not sign up for a credit bureau file: lenders and other reporters send data to it. The CFPB describes the Fair Credit Reporting Act as giving consumers the right to dispute incomplete or inaccurate information and requiring the bureau to reinvestigate.

Related entities. Equifax Inc. and Equifax Information Services LLC are the two respondents in the CFPB's 2025 order; Equifax Consumer Services LLC was a respondent in the 2017 order. Experian and TransUnion are separate companies; posts on this site that name all three bureaus are not linked to this page.

Newest corporate item. The June 2026 Form 10-Q says that in July 2026 Equifax signed an agreement to acquire Círculo de Crédito, a credit-reporting business, for an enterprise value of $750 million, expected to close in the fourth quarter of 2026 subject to regulatory approvals; it concerns operations outside the United States.

Complaint record: USAComplaints posts, CFPB database, BBB and Trustpilot (as displayed October 7, 2026)

BBB (as displayed on October 7, 2026). The profile for Equifax, Inc., Atlanta, GA shows a BBB rating of A+ and lists the business as a BBB Accredited Business (accreditation date in the page data: December 1, 1952). The complaints tab shows 7,810 total complaints in the last 3 years and 2,086 complaints closed in the last 12 months; the reviews tab shows 1.09 out of 5 stars from an average of 152 customer reviews. BBB lists alternate names including Equifax Credit Bureau, Equifax Consumer Direct and Equifax Workforce Solutions. BBB says the complaint text displayed may not represent all complaints.

Trustpilot (as displayed on October 7, 2026). The page for equifax.com is an unclaimed profile showing 1.1 out of 5 from 402 reviews, 78 of them in the last 12 months. Trustpilot says the company has no history of asking for reviews, so reviews may not be representative, and that it does not fact-check reviews.

CFPB Consumer Complaint Database (as returned by the CFPB's public database API for company name EQUIFAX, INC. on October 7, 2026). The query returned 4,822,460 complaints in total, the earliest received on October 14, 2012 and the latest on October 2, 2026, and 1,967,987 received since October 4, 2025. By product, 3,996,152 are filed under "Credit reporting or other personal consumer reports" and 699,064 under "Credit reporting, credit repair services, or other personal consumer reports"; the next largest product shown is debt collection (56,296). For complaints received since October 4, 2025 the top issues shown are "Incorrect information on your report" (1,167,773), "Improper use of your report" (403,993) and "Problem with a company's investigation into an existing problem" (366,953). Company responses across all complaints in the same query: closed with explanation 2,474,760; closed with non-monetary relief 2,283,308; closed with monetary relief 54; in progress 64,253. These are consumer submissions and the company's recorded responses, not CFPB findings, and the counts are not combined with the BBB or Trustpilot figures.

Posts on this site. 79 approved posts filed between 2002 and 2013 are linked to this page; none is more recent. They are consumers' accounts and have not been verified. Keyword matches across the 79 posts (a post can match several): 43 mention incorrect or disputed information, an investigation or a "verified" response; 44 mention charges, billing, cancellation, refunds or a monitoring or score subscription; 16 mention a free or annual credit report; 15 mention identity theft, fraud, a fraud alert or a freeze. Posts naming several bureaus or other companies as the subject were not linked.

Lawsuits: 2017 breach, 2022 score-error and inquiry-dispute class settlements, antitrust case (status as of October 7, 2026)

A settlement is a compromise and, unless the order says otherwise, not a finding of liability. Only matters whose status was read in a primary source are listed.

In re Equifax Inc. Customer Data Security Breach Litigation (N.D. Ga., MDL, 1:17-md-2800-TWT). The settlement website says the class settlement covers about 147 million people, that Equifax "denied any wrongdoing and no judgment or finding of wrongdoing was made," and that Equifax would pay at least $380,500,000 into a Consumer Restitution Fund. The site links the Final Approval Order of January 13, 2020, says the settlement became effective on January 11, 2022, and says the claim deadlines passed on January 22, 2020 and January 22, 2024 (extended period). Class members can still use free identity restoration services for 7 years after January 11, 2022. The FAQ says the Eleventh Circuit remanded the class representatives' service awards and that the district court then vacated them. Cash payments for time spent and alternative compensation were reduced proportionally because of the number of claims; the FAQ says the $62 million cap on those claims was later lifted and that pro rata payments are issued by prepaid card.

In re Equifax Fair Credit Reporting Act Litigation (N.D. Ga., 1:22-cv-3072-LMM-CCB). Equifax's Form 10-Q says the lawsuit was filed August 3, 2022 over a coding issue that affected how some credit scores were calculated during a three-week period, and that the parties reached an agreement in principle in June 2026. The settlement website says the court has preliminarily approved the settlement; the class is people in the United States for whom a credit score or attribute that differed from what it would have been absent the issue was reported to a third party in connection with a transaction Equifax identified, for the period March 17 to April 8, 2022. To be paid, a class member must submit a claim online at the settlement website or mail a downloaded claim form to the administrator at P.O. Box 301132, Los Angeles, CA 90030-1132; submitting a claim binds you to the settlement if it becomes final, and the notice says plaintiffs estimate payments of roughly $95 to $280 but that the amount depends on the number of valid claims. Deadlines on the site: object or opt out by November 27, 2026; claim form (online or postmarked) by December 28, 2026; final approval hearing January 22, 2027 at 2:00 pm in Atlanta. The notice says class counsel will ask for fees of up to one-third of the settlement fund ($33,333,333) plus expenses of up to $500,000, and that "Equifax denies that it did anything wrong and that it violated the law." Questions go to the administrator at 1-888-808-1542.

Hines v. Equifax Information Services LLC (E.D.N.Y., 1:19-cv-06701-RPK-JAM) and related inquiry-dispute cases. Equifax's Form 10-Q says it was named in four related class actions about inquiry disputes on credit files, reached an agreement in principle in January 2026, and accrued $30.0 million in the fourth quarter of 2025 for the global settlement. The class settlement agreement filed March 27, 2026 sets a $30,000,000 settlement fund, says Equifax "has denied and continues to deny" the allegations, and defines the class as people in the U.S. whose mailed hard-inquiry dispute received between October 4, 2016 and March 27, 2026 was coded "not mine" or "unauthorized" and answered with a statement that "inquiries are a factual record of file access" (the Certified Group), or for whom Equifax received a hard-inquiry dispute between August 31, 2021 and March 27, 2026 (the General Dispute Group). An order dated August 5, 2026 adopted the schedule: notice to class members by September 30, 2026; opt-out or objection by November 20, 2026; motion for final approval by November 30, 2026; final fairness hearing December 10, 2026 at 10:00 a.m. by Zoom. The agreement sets the claim deadline at 60 calendar days after the notice date; the settlement website was not opened, so the exact date should be taken from your notice. Final approval has not been granted as of the sources read.

Greystone Mortgage, Inc. v. Equifax Workforce Solutions LLC (E.D. Pa., 2:24-cv-02260). Equifax's filings describe an antitrust suit filed May 28, 2024 over its Workforce Solutions business seeking a class of purchasers of electronic income and employment verification services since May 28, 2020; Equifax says it disputes the allegations and intends to defend. The docket shows an order of February 17, 2026 denying Equifax's motion to compel arbitration and granting in part and denying in part the plaintiffs' motion about the arbitration clause; Equifax filed a notice of appeal on March 6, 2026 (Third Circuit No. 26-1501) and the district court stayed the case pending appeal on March 11, 2026. The Third Circuit docket showed appellate briefing through May 18, 2026; no decision was seen on the dockets read.

Other matters. The Form 10-Q says Equifax is a defendant in various other legal actions, including class actions and government investigations; those were not individually searched.

Is Equifax Legitimate?

Equifax Inc. files annual and quarterly reports with the SEC, lists its common stock on the New York Stock Exchange, and gives a headquarters address in Atlanta, Georgia. The CFPB's pages describe Equifax Information Services LLC as operating a nationwide consumer reporting agency, and the Fair Credit Reporting Act gives you rights to dispute information in your file. BBB lists the business as accredited with a rating of A+, while BBB's reviews tab and Trustpilot show low customer ratings as displayed on October 7, 2026. Regulators have also taken action against the company, including the 2025 CFPB order and the 2019 breach settlement described above. None of this is a rating or a verdict: use Equifax's own channels for disputes, freezes and reports, and file a CFPB complaint if a problem is not resolved.

Court & Public Records

Company Relationships

• Affiliated with: Equifax Information Services LLC
• Affiliated with: Equifax Consumer Services LLC

Frequently Asked Questions