Credit bureau · complaint record
Cogent Road complaints
Filed under Cogent Road, Inc.
Consumers have filed 35 complaints about Cogent Road since 2015, none in the last 12 months. It answered 82.9% on time and closed 9% 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
- 35
- Last 12 months
- 0
- Answered on time
- 82.9%
- Closed with relief
- 9%
- Last 30 days
- 0
- Rank
- -
Since February 2015
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Sep 26, 2024
Cogent Road complaints by month
The busiest month was May 2017 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cogent Road answered all time
- Closed with non-monetary relief38.6%
- Closed with explanation3188.6%
- Closed12.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Cogent Road complaints are about
Top Cogent Road problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 14
- Reporting company used your report improperly 3
- Report provided to employer without your written authorization 1
Where Cogent Road complaints come from
Most complaints: California (17), Florida (3), Louisiana (3), North Carolina (2), Texas (2).
Cogent Road 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 | Cogent RoadCredit reporting | - | 0 | - |
Compare side by side: Cogent Road vs Apple Financing · Cogent Road vs Nav Technologies · Cogent Road vs Opportunity Fund · Cogent Road vs Heritage Financial Group
What people say about Cogent Road
All experiencesNo experiences with Cogent Road yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cogent Road complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 26, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Mar 29, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 19, 2023 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 2, 2022 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 26, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 4, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 15, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 16, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 18, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 1, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 25, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 2, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Cogent Road
How many complaints does Cogent Road have?
Cogent Road has 35 complaints on record since February 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does Cogent Road respond to complaints?
Yes. Cogent Road answered 82.9% of its complaints on time (within 15 days) and closed 9% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Cogent Road?
The most common problems are improper use of your report (18), incorrect information on your report (8), problem with a credit reporting company's investigation into an existing problem (3).
Is Cogent Road legit?
Cogent Road is a real company with a public complaint record: consumers have complained about it 35 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cogent Road legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Cogent Road?
Complain to Cogent Road 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 Cogent Road complaints come from?
Most come from California (17), Florida (3), Louisiana (3). 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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