Credit bureau · complaint record
Array US complaints
Filed under Array US, Inc
Consumers have filed 20 complaints about Array US since 2024, 9 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 20
- Last 12 months
- 9
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #209 of 566
Since May 2024
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 21, 2026
Most complained-about credit bureaus & report companies
Array US complaints by month
The busiest month was October 2025 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Array US answered all time
- Closed with explanation20100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Array US complaints are about
Top Array US problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 4
- Reporting company used your report improperly 3
Where Array US complaints come from
Most complaints: Florida (4), South Carolina (4), Texas (2), Georgia (2), Illinois (2).
Array US compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Array USCredit reporting | - | 9 | - |
Compare side by side: Array US vs Apple Financing · Array US vs Nav Technologies · Array US vs Opportunity Fund · Array US vs Heritage Financial Group
What people say about Array US
All experiencesNo experiences with Array US yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Array US complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 21, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 12, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 10, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Jan 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 7, 2025 | Credit reporting | Incorrect information on your reportInformation is incorrect | Explained |
| Oct 28, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
Questions about Array US
How many complaints does Array US have?
Array US has 20 complaints on record since May 2024, including 9 in the last 12 months and 1 in the last 30 days. That makes it number 1,516 of every company by complaints this year.
Does Array US respond to complaints?
Yes. Array US answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Array US?
The most common problems are improper use of your report (7), attempts to collect debt not owed (4), incorrect information on your report (3).
Is Array US legit?
Array US is a real company with a public complaint record: consumers have complained about it 20 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Array US legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Array US?
Complain to Array US in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Array US complaints come from?
Most come from Florida (4), South Carolina (4), Texas (2). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (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
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