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 |
|---|---|---|---|
| Dec 11, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 28, 2023 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Feb 9, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 30, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 17, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 28, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 4, 2020 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Apr 1, 2020 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 29, 2018 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 12, 2018 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 10, 2018 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 21, 2017 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Feb 15, 2017 | Credit reporting | Improper use of my credit reportReport improperly shared by CRC | 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.
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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