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Equifax Limited
Legal entity: EQUIFAX LIMITED
Group: Equifax Inc.
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 02425920, incorporated September 1989
287banking decisions
35.9%uphold rate
184not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Credit file reporting | 218 | 73 | 33.5% |
| Data and privacy | 62 | 30 | 48.4% |
| Complaint handling | 33 | 17 | 51.5% |
| Identity checks and access | 12 | 2 | 16.7% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 30.5% | — | — | 146 |
| FOS | 2025-H1 | 23.0% | — | — | 75 |
| FOS | 2024-H2 | 21.0% | — | — | 96 |
| FOS | 2024-H1 | 30.1% | — | — | 78 |
| FOS | 2023-H2 | 30.0% | — | — | 107 |
| FOS | 2023-H1 | 27.8% | — | — | 107 |
| FOS | 2022-H2 | 25.6% | — | — | 79 |
| FOS | 2022-H1 | 25.8% | — | — | 101 |
What the regulator did
FCA final notices naming this firm. This is a separate record from the Ombudsman decisions above: the Ombudsman resolves individual complaints, the FCA penalises the firm for rule breaches.
| Date | Penalty | Breach |
|---|---|---|
| 13 Oct 2023 | £11,164,400 | This Final Notice relates to the outsourcing of data processing to an intragroup entity which experienced a data breach. The Final Notice refers to risk management failings (PRIN 3) and failings in relation to treating customers fairly and communicating information in a way which is clear, fair and not misleading following a data breach. We imposed a financial penalty. |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.