Credit bureau · complaint record
Clayton complaints
Filed under Clayton Holdings LLC
Consumers have filed 13 complaints about Clayton since 2014, 2 of them in the last 12 months. 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
- 13
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #342 of 566
Since March 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Aug 21, 2026
Most complained-about credit bureaus & report companies
Clayton complaints by month
The busiest month was March 2014 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Clayton answered all time
- Closed with explanation323.1%
- Untimely response1076.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Clayton complaints are about
Top Clayton problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 4
- Reporting company used your report improperly 1
Where Clayton complaints come from
Most complaints: New York (5), Oregon (2), Maine (1), New Jersey (1), South Carolina (1).
Clayton 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 | ClaytonCredit reporting | - | 2 | - |
Compare side by side: Clayton vs Apple Financing · Clayton vs Nav Technologies · Clayton vs Opportunity Fund · Clayton vs Heritage Financial Group
What people say about Clayton
All experiencesNo experiences with Clayton yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Clayton complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 21, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Mar 1, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | No timely reply |
| Jul 14, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Mar 3, 2025 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | No timely reply |
| Feb 20, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Feb 11, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jan 29, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Aug 17, 2024 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | No timely reply |
| Aug 27, 2020 | Mortgages | Closing on a mortgage | No timely reply |
| Sep 13, 2016 | Mortgages | Application, originator, mortgage broker | Explained |
| Nov 12, 2014 | Mortgages | Loan servicing, payments, escrow account | No timely reply |
| Mar 11, 2014 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Explained |
Questions about Clayton
How many complaints does Clayton have?
Clayton has 13 complaints on record since March 2014, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Clayton respond to complaints?
Yes. Clayton 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 Clayton?
The most common problems are improper use of your report (5), applying for a mortgage or refinancing an existing mortgage (1), problem caused by your funds being low (1).
Is Clayton legit?
Clayton is a real company with a public complaint record: consumers have complained about it 13 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Clayton legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Clayton?
Complain to Clayton 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 Clayton complaints come from?
Most come from New York (5), Oregon (2), Maine (1). 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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