Credit bureau · complaint record
FC HoldCo complaints
Filed under FC HoldCo LLC
Consumers have filed 3,612 complaints about FC HoldCo since 2014, 410 of them in the last 12 months (-53% on the year before). It answered 99.8% 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. It is the 47th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 3,612
- Last 12 months
- 410
- Answered on time
- 99.8%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #47 of 566
Since June 2014
-53% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jun 22, 2026
Most complained-about credit bureaus & report companies
FC HoldCo complaints by month
The busiest month was January 2025 (104 complaints). Complaints in the last 12 months are down 53% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How FC HoldCo answered last 12 months
- Closed with explanation410100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-53% vs last year
What FC HoldCo complaints are about
Top FC HoldCo problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 277
- Information belongs to someone else 251
- Account status incorrect 213
- Old information reappears or never goes away 22
- Information is missing that should be on the report 19
- Public record information inaccurate 10
Where FC HoldCo complaints come from
Most complaints: Texas (557), Florida (452), Georgia (325), California (287), Illinois (189).
FC HoldCo compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | United PanAm FinancialCredit reporting | 39 | 494 | D |
| 2 | First AdvantageCredit reporting | 4 | 484 | F |
| 3 | World Omni FinancialCredit reporting | 51 | 473 | C |
| 4 | FC HoldCoCredit reporting | 59 | 410 | C |
| 5 | Egl USCredit reporting | 28 | 395 | F |
| 6 | Goal Structured SolutionsCredit reporting | 46 | 390 | D |
| 7 | Prosper MarketplaceCredit reporting | 56 | 344 | C |
| 8 | Marlette FundingCredit reporting | 67 | 344 | B |
Compare side by side: FC HoldCo vs United PanAm Financial · FC HoldCo vs First Advantage · FC HoldCo vs World Omni Financial · FC HoldCo vs Egl US
What people say about FC HoldCo
All experiencesNo experiences with FC HoldCo yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest FC HoldCo complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 22, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 20, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 19, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 18, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 18, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jun 18, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 15, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Jun 14, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
Questions about FC HoldCo
How many complaints does FC HoldCo have?
FC HoldCo has 3,612 complaints on record since June 2014, including 410 in the last 12 months and 0 in the last 30 days. That makes it number 219 of every company by complaints this year.
Does FC HoldCo respond to complaints?
Yes. FC HoldCo answered 99.8% 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 59/100 (grade C).
What do people complain about most with FC HoldCo?
The most common problems are incorrect information on your report (799), improper use of your report (1,050), took or threatened to take negative or legal action (99).
Is FC HoldCo legit?
FC HoldCo is a real company with a public complaint record: consumers have complained about it 3,612 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is FC HoldCo legit? for the signals, red flags and how to protect yourself.
Are complaints about FC HoldCo going up or down?
Down. There were 410 complaints in the last 12 months against 869 in the 12 before (-53%). See every month.
How do I file a complaint against FC HoldCo?
Complain to FC HoldCo 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 FC HoldCo complaints come from?
Most come from Texas (557), Florida (452), Georgia (325). 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 FC HoldCo
No comments yet. Start the conversation - questions are welcome too.