Credit reporting
Equifax: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 42,827
- Closed with money back
- 0%
- 2023 to 2025
- 11,025 to 18,144
Servicemembers filed 1.6% of Equifax's 2,762,440 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 11,025 in 2023 to 18,144 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 34,280 |
| Credit reporting, credit repair services, or other personal consumer reports | 7,638 |
| Debt collection | 763 |
| Credit card | 65 |
| Debt or credit management | 29 |
By issue
| Incorrect information on your report | 18,827 |
| Improper use of your report | 13,338 |
| Problem with a company's investigation into an existing problem | 7,170 |
| Problem with a credit reporting company's investigation into an existing problem | 1,528 |
| Attempts to collect debt not owed | 555 |
| 2023: 11,025 | 2024: 13,658 | 2025: 18,144 |
Which accounts, specifically
| Credit reporting | 43,172 |
| I do not know | 416 |
| Other personal consumer report | 243 |
| Credit card debt | 151 |
| Other debt | 76 |
What went wrong, specifically
| Reporting company used your report improperly | 9,359 |
| Information belongs to someone else | 9,130 |
| Their investigation did not fix an error on your report | 6,675 |
| Account information incorrect | 4,404 |
| Credit inquiries on your report that you don't recognize | 4,246 |
Busiest month: January 2025, with 2,553 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6,298), GA (5,098), FL (5,051) , then CA, NC, NY.
How Equifax answered
| Closed with explanation | 22,880 | 53% |
| Closed with non-monetary relief | 19,946 | 47% |
| Closed with monetary relief | 1 | 0% |
Equifax responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes complaint is the result of an isolated error" (6). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-09-03. Outcome: Closed with explanation. Complaint 9999895
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Credit reporting or other personal consumer reports; Improper use of your report. MO, 2024-09-03. Outcome: Closed with explanation. Complaint 9999777
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-09-03. Outcome: Closed with explanation. Complaint 9999637
If this is your problem at Equifax
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Experian 43,774 servicemember complaints; 0% with money back
- TransUnion 43,883 servicemember complaints; 0% with money back
- Lexisnexis 1,369 servicemember complaints; 0% with money back
- Discover 1,237 servicemember complaints; 5% with money back
- Affirm 733 servicemember complaints; 0% with money back
Next in the directory by volume: Navy Federal Credit Union, Capital One, Wells Fargo.
Frequently asked questions
How many complaints did servicemembers file against Equifax?
42,827 complaints tagged servicemember were received by the CFPB about EQUIFAX, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 11,025 in 2023 to 18,144 in 2025.
What do servicemembers complain about most at Equifax?
Credit reporting or other personal consumer reports accounts for 34,280 of the 42,827 complaints, and the most common issue is "Incorrect information on your report" (18,827). Next: "Improper use of your report" (13,338).
Does Equifax give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 19,946 closed with non-monetary relief and 22,880 closed with an explanation only. Equifax answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.