Credit reporting

Credit reporting complaints Credit bureaus & report companies ranked

Consumers filed 6,624,810 complaints about credit bureaus & report companies in the last 12 months (+47% on the year before). Errors on credit reports, identity theft, disputes that go nowhere and reports used without permission. The most complained-about is TransUnion.

Last 12 months: 6,624,810
Last 30 days: 593,102
Answered on time: 99.9%
Closed with relief: 32%
Money back: 0%
Companies: 4,016

Most complained-about credit bureaus & report companies

#	Company	12 months	Change	On time	Relief	All time
1	TransUnion	2,331,811	+58%	100%	41%	5,233,338
2	Experian	2,053,038	+58%	99.9%	13%	4,685,519
3	Equifax	2,003,445	+31%	99.9%	40%	5,012,726
4	LexisNexis	36,424	+107%	99.4%	25%	73,974
5	CBC Companies	22,776	-22%	100%	53%	60,544
6	Capital One	10,567	-3%	100%	15%	54,153
7	FIS (Fidelity National Information Services)	6,930	+40%	100%	0%	18,768
8	Resurgent Capital Services	5,816	+3%	99.9%	21%	18,732
9	Early Warning Services (Zelle)	4,540	+23%	100%	0%	12,728
10	CL Holdings	4,485	+38%	100%	45%	10,946
11	Citibank	4,468	-7%	100%	48%	22,299
12	Bank of America	4,455	+8%	99.4%	13%	20,084
13	JPMorgan Chase	4,434	-7%	100%	19%	22,945
14	Portfolio Recovery Associates	3,612	+6%	99.7%	57%	13,118
15	Encore Capital (Midland Credit)	3,594	+6%	100%	12%	12,029
16	Synchrony	3,500	-15%	95.5%	17%	20,646
17	Wells Fargo	3,395	-2%	99.9%	30%	17,818
18	Bread Financial (Comenity)	3,096	-12%	100%	33%	16,147
19	Navy Federal Credit Union	2,864	-7%	100%	25%	11,550
20	Affirm	2,811	+23%	100%	0%	7,719
21	American Express	2,749	-4%	99%	18%	11,899
22	Self Financial	2,673	+9%	99.3%	0%	8,168
23	Nelnet	2,418	-17%	99.9%	0%	9,743
24	ID Analytics	2,281	+15%	99.4%	20%	8,643
25	CoreLogic	2,232	-8%	99.9%	0%	9,748

Most likely to give relief

Least likely to give relief

Credit reporting complaints by month

2023202420252026

Latest full monthThis month so farPeak: 717,006 in October 2026

What people complain about

Credit reporting complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with credit bureaus & report companies

Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.

Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Credit reportsHow to dispute a credit report errorFix mistakes on your Equifax, Experian or TransUnion report by disputing with the bureau and with the company that reported it.8 min read Credit reportsIdentity theft and credit freezes: what to doFreeze your credit for free at all three bureaus, set fraud alerts and follow a recovery plan if your identity is stolen.8 min read Debt collectorsMedical debt and your credit reportHow medical debt affects your credit in 2026, plus how to negotiate hospital bills, get charity care and fight surprise bills.9 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works