Credit bureau · complaint record
Birchwood Credit Services complaints
Filed under Birchwood Credit Services, Inc.
Consumers have filed 81 complaints about Birchwood Credit Services since 2018, 5 of them in the last 12 months (-78% on the year before). It answered 0% 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
- 81
- Last 12 months
- 5
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #250 of 566
Since August 2018
-78% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jul 3, 2026
Most complained-about credit bureaus & report companies
Birchwood Credit Services complaints by month
The busiest month was January 2024 (4 complaints). Complaints in the last 12 months are down 78% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Birchwood Credit Services answered all time
- Closed with explanation6580.2%
- Untimely response1619.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Birchwood Credit Services complaints are about
Top Birchwood Credit Services problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 38
- Reporting company used your report improperly 14
- Report provided to employer without your written authorization 3
Where Birchwood Credit Services complaints come from
Most complaints: Florida (17), Georgia (13), New Jersey (9), Massachusetts (6), Texas (5).
Birchwood Credit Services 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 | Birchwood Credit ServicesCredit reporting | - | 5 | - |
Compare side by side: Birchwood Credit Services vs Apple Financing · Birchwood Credit Services vs Nav Technologies · Birchwood Credit Services vs Opportunity Fund · Birchwood Credit Services vs Heritage Financial Group
What people say about Birchwood Credit Services
All experiencesNo experiences with Birchwood Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Birchwood Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 25, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Apr 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Dec 11, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Nov 25, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 31, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 16, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 2, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Sep 1, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Aug 26, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Aug 4, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Jul 1, 2025 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
Questions about Birchwood Credit Services
How many complaints does Birchwood Credit Services have?
Birchwood Credit Services has 81 complaints on record since August 2018, including 5 in the last 12 months and 0 in the last 30 days. That makes it number 1,875 of every company by complaints this year.
Does Birchwood Credit Services respond to complaints?
Yes. Birchwood Credit Services answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Birchwood Credit Services?
The most common problems are improper use of your report (55), attempts to collect debt not owed (1), incorrect information on your report (15).
Is Birchwood Credit Services legit?
Birchwood Credit Services is a real company with a public complaint record: consumers have complained about it 81 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Birchwood Credit Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Birchwood Credit Services going up or down?
Down. There were 5 complaints in the last 12 months against 23 in the 12 before (-78%). See every month.
How do I file a complaint against Birchwood Credit Services?
Complain to Birchwood Credit Services 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 Birchwood Credit Services complaints come from?
Most come from Florida (17), Georgia (13), New Jersey (9). 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
Talk about Birchwood Credit Services
No comments yet. Start the conversation - questions are welcome too.