Learning how to file an FTC complaint against Equifax is easy. However, you should not do this unless you've exhausted all avenues with Equifax directly. The Federal Trade Commission (FTC) governs the credit reporting agencies, which in the United States include Equifax, Experian and TransUnion. Under the Fair Credit Reporting Act (FCRA) you have the legal right to only accurate information on your Equifax and other credit reports. If you find an error on your credit reports, you can dispute it with the furnisher of the information and/or directly with the credit bureau. If credit reporting agencies do not properly investigate your disputes, you will then need to learn how to file an FTC complaint against Equifax.
- Make sure you waited at least 45 days to allow Equifax to investigate your dispute. This is an important first step before filing any FTC complaint. The FCRA requires Equifax and other credit reporting agencies to research your disputes within 30 days of receiving your letter, telephone call or online request. However, you need to keep in mind that postal mail can be a bit slow and wait the appropriate amount of time before taking advanced measures against Equifax.
- Consider writing a second letter before actually filing an FTC complaint against Equifax. This may get things done faster than filing an FTC complaint. If you didn't send your initial dispute with Equifax through a traceable delivery method, then for all you know it could be lost in the mail.
- Visit www.ftccomplaintassistant.gov to actually follow through with filing an FTC complaint against Equifax. Fill out all information requested, which includes your full name, address and the nature of the complaint.
Remember that the FTC may not quickly respond to your request unless there is a clear case of gross misconduct from Equifax or any other credit bureau. You should pursue any and all other avenues available to you, including filing a complaint with the Better Business Bureau, contacting your state's attorney general or finding a lawyer and possibly filing a lawsuit against Equifax in the most serious cases of credit reporting errors.