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.

Page summary

340 published decisions involving Equifax Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

340

Firm-specific decision volume in the public corpus

Upheld rate

35.0%

119 upheld decisions

Latest published decision 12 Dec 2025

Published decisions

340

Firm-specific decision volume in the public corpus

Upheld rate

35.0%

119 upheld decisions

Leading product

Consumer Credit

182 decisions

Leading complaint theme

Delay In Claim Handling

42 tagged decisions

Equifax Limited at a glance

Equifax Limited appears in 340 published decisions in this corpus. 35.0% 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 182 decisions and an upheld rate of 39.6%.

  • Latest active year in the published data: 2025 (26 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Equifax Limited's decision trail runs from 2013 to 2025. 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 26 published decisions with an upheld rate of 23.1%.

  • 2025: 26 decisions, 23.1% upheld
  • 2024: 31 decisions, 54.8% upheld
  • 2023: 31 decisions, 51.6% upheld
  • 2022: 41 decisions, 39.0% upheld
  • 2021: 39 decisions, 30.8% upheld

Themes, products, and precedent signals

Delay 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: 182 decisions
  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-597071912 Dec 2025Not upheld

Equifax Limited · Consumer Credit

DRN-5970719 The complaint Mr H complains about how Equifax Limited handled a dispute he raised with it concerning information on his credit file What happened Mr H contacted Equifax after he received notification from a third-party company, I’ll refer to as S, that an account with a ban... (4 pages)

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DRN-584257808 Dec 2025Not upheld

Equifax Limited · Consumer Credit

DRN-5842578 The complaint Mr H complains Equifax Limited was reporting incorrect information on his credit file. What happened In June 2025 Mr H contacted Equifax as he noticed an account with a company I’ll refer to as T and a third-party name on his credit file he didn’t recognise. He... (3 pages)

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DRN-598895502 Dec 2025Upheld

Equifax Limited · Consumer Credit

DRN-5988955 The complaint Mr B complains Equifax Limited incorrectly added information to his credit report for someone else. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements of this below, and th... (3 pages)

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DRN-581610417 Nov 2025Not upheld

Equifax Limited · Consumer Credit

DRN-5816104 The complaint Mr M complains Equifax Limited was reporting incorrect information on his credit file and made errors when he contacted it about this. What happened In June 2025 Mr M contacted Equifax as he noticed an account with a company I’ll refer to as T, was reporting a ... (3 pages)

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DRN-592566805 Nov 2025Not upheld

Equifax Limited · Consumer Credit

DRN-5925668 The complaint Mr M complains Equifax Limited are reporting inaccurate information on his credit file and haven’t taken reasonable steps to verify the information being reported. What happened Mr M has complained about the accuracy of data being reported on his credit file b... (8 pages)

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