Credit bureau · complaint record
GFS II complaints
Filed under GFS II, LLC
Consumers have filed 345 complaints about GFS II since 2014, 74 of them in the last 12 months (-20% 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
- 345
- Last 12 months
- 74
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 8
- Rank
- #86 of 566
Since October 2014
-20% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 4, 2026
Most complained-about credit bureaus & report companies
GFS II complaints by month
The busiest month was April 2025 (14 complaints). Complaints in the last 12 months are down 20% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How GFS II answered last 12 months
- Closed with explanation74100%
"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 trend15/15-20% vs last year
What GFS II complaints are about
Top GFS II problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 22
- Account information incorrect 18
- Account status incorrect 14
- Public record information inaccurate 3
- Old information reappears or never goes away 2
- Information is incorrect 1
Where GFS II complaints come from
Most complaints: Michigan (74), Ohio (43), Illinois (42), Maryland (34), Georgia (31).
GFS II compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Madison AutoCredit reporting | 45 | 86 | D |
| 2 | Arivo AcceptanceCredit reporting | 22 | 81 | F |
| 3 | Porsche Financial ServicesCredit reporting | 47 | 77 | D |
| 4 | Go CapitalCredit reporting | 48 | 75 | D |
| 5 | GFS IICredit reporting | 60 | 74 | C |
| 6 | 700 Credit ExpertsCredit reporting | 0 | 73 | F |
| 7 | Greenstate Credit UnionCredit reporting | 63 | 71 | C |
| 8 | Grow CreditCredit reporting | 39 | 63 | D |
Compare side by side: GFS II vs Madison Auto · GFS II vs Arivo Acceptance · GFS II vs Porsche Financial Services · GFS II vs Go Capital
What people say about GFS II
All experiencesNo experiences with GFS II yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest GFS II complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 4, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem while selling or giving up the vehicle | Explained |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 26, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Oct 25, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Oct 24, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Oct 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 14, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Oct 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 3, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about GFS II
How many complaints does GFS II have?
GFS II has 345 complaints on record since October 2014, including 74 in the last 12 months and 8 in the last 30 days. That makes it number 559 of every company by complaints this year.
Does GFS II respond to complaints?
Yes. GFS II 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 60/100 (grade C).
What do people complain about most with GFS II?
The most common problems are incorrect information on your report (61), problem with a company's investigation into an existing problem (25), took or threatened to take negative or legal action (26).
Is GFS II legit?
GFS II is a real company with a public complaint record: consumers have complained about it 345 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is GFS II legit? for the signals, red flags and how to protect yourself.
Are complaints about GFS II going up or down?
Down. There were 74 complaints in the last 12 months against 92 in the 12 before (-20%). See every month.
How do I file a complaint against GFS II?
Complain to GFS II 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 GFS II complaints come from?
Most come from Michigan (74), Ohio (43), Illinois (42). 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 GFS II
No comments yet. Start the conversation - questions are welcome too.