Credit reporting
Earnest credit reporting complaints
Consumers have filed 43 complaints about Earnest's credit reporting, 11 in the last 12 months. Earnest answered 100% on time and closed 0% with relief. See the whole Earnest record.
Earnest 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 | Earnest | 11 | 100% | 0% |
Latest Earnest credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 12, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| May 21, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Apr 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 9, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 19, 2025 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Nov 24, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 11, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 27, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 1, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 28, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 27, 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 | Explained |
| May 27, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Apr 14, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 9, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 6, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 6, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 13, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 12, 2024 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 29, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 9, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 31, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 6, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 17, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 17, 2023 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | 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.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
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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