Credit bureau · complaint record
Esusu complaints
Filed under Esusu, Inc.
Consumers have filed 73 complaints about Esusu since 2022, 20 of them in the last 12 months (-29% on the year before). It answered 95% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 73
- Last 12 months
- 20
- Answered on time
- 95%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #148 of 566
Since January 2022
-29% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 20, 2026
Most complained-about credit bureaus & report companies
Esusu complaints by month
The busiest month was January 2025 (7 complaints). Complaints in the last 12 months are down 29% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Esusu answered all time
- Closed with monetary relief11.4%
- Closed with non-monetary relief34.1%
- Closed with explanation6893.2%
- In progress11.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Esusu complaints are about
Top Esusu problems
Inside "Incorrect information on your report"
- Account information incorrect 9
- Information belongs to someone else 8
- Information is incorrect 2
- Information is missing that should be on the report 2
- Old information reappears or never goes away 1
- Account status incorrect 1
Where Esusu complaints come from
Most complaints: Georgia (18), Texas (15), Florida (6), Arizona (4), Maryland (4).
Esusu 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 | EsusuCredit reporting | - | 20 | - |
Compare side by side: Esusu vs Apple Financing · Esusu vs Nav Technologies · Esusu vs Opportunity Fund · Esusu vs Heritage Financial Group
What people say about Esusu
All experiencesNo experiences with Esusu yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Esusu complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | In progress |
| Oct 20, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Aug 22, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
Questions about Esusu
How many complaints does Esusu have?
Esusu has 73 complaints on record since January 2022, including 20 in the last 12 months and 2 in the last 30 days. That makes it number 1,078 of every company by complaints this year.
Does Esusu respond to complaints?
Yes. Esusu answered 95% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Esusu?
The most common problems are incorrect information on your report (23), improper use of your report (21), problem with a company's investigation into an existing problem (6).
Is Esusu legit?
Esusu is a real company with a public complaint record: consumers have complained about it 73 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Esusu legit? for the signals, red flags and how to protect yourself.
Are complaints about Esusu going up or down?
Down. There were 20 complaints in the last 12 months against 28 in the 12 before (-29%). See every month.
How do I file a complaint against Esusu?
Complain to Esusu 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 Esusu complaints come from?
Most come from Georgia (18), Texas (15), Florida (6). 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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