Credit bureau · complaint record
CarMax complaints
Filed under CarMax, Inc.
Consumers have filed 4,110 complaints about CarMax since 2013, 1,004 of them in the last 12 months (+4% on the year before). It answered 99.7% on time and closed 1% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 27th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 4,110
- Last 12 months
- 1,004
- Answered on time
- 99.7%
- Closed with relief
- 1%
- Last 30 days
- 36
- Rank
- #27 of 566
Since March 2013
+4% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 12, 2026
Most complained-about credit bureaus & report companies
CarMax complaints by month
The busiest month was July 2025 (113 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CarMax answered last 12 months
- Closed with non-monetary relief60.6%
- Closed with explanation99899.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.7% on time
- Relief for customers0/400.6% closed with relief
- Complaint trend10/15+4% vs last year
What CarMax complaints are about
Top CarMax problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 399
- Account status incorrect 351
- Information belongs to someone else 315
- Old information reappears or never goes away 40
- Information is missing that should be on the report 19
- Personal information incorrect 10
Where CarMax complaints come from
Most complaints: Georgia (642), Texas (490), California (442), Florida (441), North Carolina (237).
CarMax compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Central ResearchCredit reporting | 45 | 1,193 | D |
| 2 | MoneyLionCredit reporting | 47 | 1,091 | D |
| 3 | CarMaxCredit reporting | 54 | 1,004 | C |
| 4 | Consumer Portfolio ServicesCredit reporting | 54 | 983 | C |
| 5 | PenFed Credit UnionCredit reporting | 66 | 876 | B |
| 6 | CheckrCredit reporting | 44 | 844 | D |
| 7 | Pinnacle Financial PartnersCredit reporting | 63 | 767 | C |
| 8 | Mercedes-Benz Financial ServicesCredit reporting | 54 | 751 | C |
Compare side by side: CarMax vs Central Research · CarMax vs MoneyLion · CarMax vs Consumer Portfolio Services · CarMax vs PenFed Credit Union
What people say about CarMax
All experiencesNo experiences with CarMax yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CarMax complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 3, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 1, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Nov 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 30, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Oct 30, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
Questions about CarMax
How many complaints does CarMax have?
CarMax has 4,110 complaints on record since March 2013, including 1,004 in the last 12 months and 36 in the last 30 days. That makes it number 129 of every company by complaints this year.
Does CarMax respond to complaints?
Yes. CarMax answered 99.7% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 54/100 (grade C).
What do people complain about most with CarMax?
The most common problems are incorrect information on your report (1,145), problem with a company's investigation into an existing problem (319), improper use of your report (741).
Is CarMax legit?
CarMax is a real company with a public complaint record: consumers have complained about it 4,110 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CarMax legit? for the signals, red flags and how to protect yourself.
Are complaints about CarMax going up or down?
Roughly level. There were 1,004 complaints in the last 12 months against 964 in the 12 before (+4%). See every month.
How do I file a complaint against CarMax?
Complain to CarMax 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 CarMax complaints come from?
Most come from Georgia (642), Texas (490), California (442). 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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