Credit FactorEquifax
Equifax is a credit bureau with 3,763,539 consumer complaints recorded in the CFPB Consumer Complaint Database. The company has responded to 100% of complaints in a timely manner. Complaint volume alone does not indicate the quality of a company's products or services, as larger companies with more customers typically receive more complaints in absolute terms. (Source: CFPB Consumer Complaint Database)
Total CFPB Complaints
3,787,411
Timely Response Rate
100%
Company Type
Bureau
What Consumers Experience
The most common complaint categories for Equifax are "Incorrect information on your report", "Problem with fraud alerts or security freezes", "Improper use of your report". These patterns suggest that consumers interacting with Equifax may encounter challenges in these areas more frequently than others. It is worth noting that complaint categories reflect what consumers report, and the resolution rate may differ from the complaint rate. (Source: CFPB Consumer Complaint Database)
Complaint Category Breakdown
How Equifax Compares
Among tracked credit bureaus, Equifax has 3,763,539 total complaints compared to TransUnion (3,751,993) and Experian (3,321,592). Equifax's timely response rate of 100% is at or above the peer average of 100%. These raw totals may not reflect differences in company size or customer base. A fair comparison typically requires normalizing by estimated customer count or business volume, which is not publicly available for all companies. (Source: CFPB Consumer Complaint Database)
What to Know Before Working with Equifax
If you have concerns about information on your credit report from Equifax, you have the right to dispute errors under the Fair Credit Reporting Act (FCRA). You may also place a security freeze on your credit file at no cost. The CFPB recommends reviewing your credit report at least once per year from each bureau. You can get free reports at AnnualCreditReport.com, the only federally authorized source. If a dispute is not resolved satisfactorily, you may file a complaint with the CFPB. (Source: CFPB Consumer Tools)
How Equifax Compares
Equifax
100%
Timely Response Rate
Industry Average
100%
Across 2 bureaus
Timely response rate measures how often a company responds to CFPB complaints within 15 days. Source: CFPB.
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Data Limitations
CFPB complaint data represents complaints submitted by consumers and does not include all customer experiences. A complaint does not necessarily indicate wrongdoing by the company. Companies with larger customer bases typically receive more complaints in absolute terms. The CFPB does not verify all facts alleged in complaints. Company responses are self-reported. For the most current information, visit the CFPB Consumer Complaint Database directly. (Source: CFPB)
Data Sources
Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database CFPB Consumer Tools (consumerfinance.gov/consumer-tools)
Credit Factor is not a credit repair company, lender, or financial advisor. All content on this site is for educational purposes only and does not constitute financial, legal, or professional advice. Results vary based on individual credit history and the scoring model used. Consult a qualified financial professional for personalized advice.