Credit bureau · complaint record
Extra complaints
Filed under The Aligned Company DBA Extra
Consumers have filed 175 complaints about Extra since 2021, 46 of them in the last 12 months (+5% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 175
- Last 12 months
- 46
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #100 of 566
Since October 2021
+5% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 12, 2026
Most complained-about credit bureaus & report companies
Extra complaints by month
The busiest month was January 2026 (10 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Extra answered last 12 months
- Closed with explanation4087%
- In progress613%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend10/15+5% vs last year
What Extra complaints are about
Top Extra problems
Inside "Incorrect information on your report"
- Account status incorrect 25
- Information belongs to someone else 25
- Account information incorrect 9
- Personal information incorrect 2
- Old information reappears or never goes away 1
Where Extra complaints come from
Most complaints: Texas (30), Florida (29), Georgia (19), California (18), New York (15).
Extra compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mei Auto FinanceCredit reporting | 55 | 48 | C |
| 2 | Fuel Capital GroupCredit reporting | 55 | 47 | C |
| 3 | ExtraCredit reporting | 55 | 46 | C |
| 4 | Pavilion Payments US BuyerCoCredit reporting | 60 | 44 | C |
| 5 | TFC Credit Corporation of CaliforniaCredit reporting | 3 | 44 | F |
| 6 | Accurate BackgroundCredit reporting | 21 | 43 | F |
| 7 | Carvant FinancialCredit reporting | 54 | 43 | C |
| 8 | SOP Pioneer PartnersCredit reporting | 48 | 43 | D |
Compare side by side: Extra vs Mei Auto Finance · Extra vs Fuel Capital Group · Extra vs Pavilion Payments US BuyerCo · Extra vs TFC Credit Corporation of California
What people say about Extra
All experiencesNo experiences with Extra yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Extra complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Sep 27, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Sep 22, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | In progress |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Sep 6, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Sep 5, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | In progress |
| Aug 11, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Aug 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 6, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Jul 16, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
Questions about Extra
How many complaints does Extra have?
Extra has 175 complaints on record since October 2021, including 46 in the last 12 months and 0 in the last 30 days. That makes it number 700 of every company by complaints this year.
Does Extra respond to complaints?
Yes. Extra answered 100% 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. Its Response Score is 55/100 (grade C).
What do people complain about most with Extra?
The most common problems are incorrect information on your report (62), attempts to collect debt not owed (17), improper use of your report (29).
Is Extra legit?
Extra is a real company with a public complaint record: consumers have complained about it 175 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Extra legit? for the signals, red flags and how to protect yourself.
Are complaints about Extra going up or down?
Roughly level. There were 46 complaints in the last 12 months against 44 in the 12 before (+5%). See every month.
How do I file a complaint against Extra?
Complain to Extra 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 Extra complaints come from?
Most come from Texas (30), Florida (29), Georgia (19). 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
Talk about Extra
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