Credit reporting
Backgrounds Online credit reporting complaints
Consumers have filed 7 complaints about Backgrounds Online's credit reporting, 2 in the last 12 months. Backgrounds Online answered 50% on time and closed 0% with relief. See the whole Backgrounds Online record.
Backgrounds Online against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Backgrounds Online | 2 | 50% | 0% |
Latest Backgrounds Online credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 17, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Dec 14, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 5, 2025 | Credit reporting | Problem with a company's investigation into an existing issueWas not notified of investigation status or results | Explained |
| Oct 6, 2025 | Credit reporting | Incorrect information on your reportInformation that should be on the report is missing | Explained |
| Oct 5, 2025 | Credit reporting | Incorrect information on your reportInformation is incorrect | Explained |
| Jun 4, 2024 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Dec 22, 2022 | Credit reporting | Incorrect information on your reportInformation is incorrect | Explained |
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.
General information, not legal advice; rules vary by state. Plain-English guides
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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