Published decisions
348
Firm-specific decision volume in the public corpus
Firm analysis
Equifax Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Equifax Limited, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
34.5%
120 upheld decisions
Page summary
348 published decisions involving Equifax Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
348
Firm-specific decision volume in the public corpus
Upheld rate
34.5%
120 upheld decisions
Latest published decision 15 Sept 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
348
Firm-specific decision volume in the public corpus
Upheld rate
34.5%
120 upheld decisions
Leading product
Consumer Credit
190 decisions
Leading complaint theme
Delay In Claim Handling
46 tagged decisions
Equifax Limited at a glance
AnalysisEquifax Limited appears in 348 published decisions in this corpus. 34.5% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 190 decisions and an upheld rate of 38.4%.
- Latest active year in the published data: 2026 (8 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisEquifax Limited's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Equifax Limited appeared in 8 published decisions with an upheld rate of 12.5%.
- 2026: 8 decisions, 12.5% upheld
- 2025: 26 decisions, 23.1% upheld
- 2024: 31 decisions, 54.8% upheld
- 2023: 31 decisions, 51.6% upheld
- 2022: 41 decisions, 39.0% upheld
Themes, products, and precedent signals
AnalysisDelay In Claim Handling is the strongest complaint-theme signal tied to Equifax Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974 are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Consumer Credit: 190 decisions
- Second complaint theme: Fraud Or Scam Concern
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-645991415 Sept 2026Upheld
Equifax Limited · Consumer Credit
Equifax Limited has already made an offer to pay £50 to settle the complaint and I think this offer is fair in all the circumstances. So my decision is the Equifax Limited should pay Mr R £50.
View source decisionDRN-634838810 Sept 2026Not upheld
Equifax Limited · Consumer Credit
Equifax has already made an offer to pay £30 to settle the complaint and I think this offer is fair in all the circumstances. So my decision is that Equifax Limited should pay £30 if it hasn’t done so already.
View source decisionDRN-636185521 Aug 2026Not upheld
Equifax Limited · Consumer Credit
For the reasons set out above, I don’t uphold Mr C’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 18 September 2026.
View source decisionDRN-622130017 Aug 2026Not upheld
Equifax Limited · Consumer Credit
I recognise my conclusion will be a disappointment to Mr B, but for the reasons above I do not uphold Mr B’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 14 September 2026.
View source decisionDRN-632120211 Aug 2026Not upheld
Equifax Limited · Consumer Credit
For the reasons set out above, I don’t uphold Mr S’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 8 September 2026.
View source decision