Credit bureau · complaint record
Perpay complaints
Filed under Perpay, Inc.
Consumers have filed 300 complaints about Perpay since 2024, 200 of them in the last 12 months (+160% 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.
Weak response record. How it works
- Complaints on record
- 300
- Last 12 months
- 200
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #60 of 566
Since February 2024
+160% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 27, 2026
Most complained-about credit bureaus & report companies
Perpay complaints by month
The busiest month was May 2026 (26 complaints). Complaints in the last 12 months are up 160% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Perpay answered last 12 months
- Closed with explanation200100%
"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 trend0/15+160% vs last year
What Perpay complaints are about
Top Perpay problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 43
- Account status incorrect 35
- Information belongs to someone else 20
- Old information reappears or never goes away 2
- Information is missing that should be on the report 1
Where Perpay complaints come from
Most complaints: Texas (55), Georgia (27), Florida (19), North Carolina (17), California (16).
Perpay compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | MIB GroupCredit reporting | 45 | 259 | D |
| 2 | Sparrow FinancialCredit reporting | 45 | 234 | D |
| 3 | Lobel FinancialCredit reporting | 45 | 231 | D |
| 4 | Contemporary InformationCredit reporting | 51 | 203 | C |
| 5 | Cig FinancialCredit reporting | 55 | 202 | C |
| 6 | PerpayCredit reporting | 45 | 200 | D |
| 7 | Wheels Financial GroupCredit reporting | 50 | 167 | C |
| 8 | Transform CreditCredit reporting | 43 | 152 | D |
Compare side by side: Perpay vs MIB Group · Perpay vs Sparrow Financial · Perpay vs Lobel Financial · Perpay vs Contemporary Information
What people say about Perpay
All experiencesNo experiences with Perpay yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Perpay complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 19, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Sep 18, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 18, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 18, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 15, 2026 | Bank accounts | Problem with a lender or other company charging your accountCan't stop withdrawals from your account | Explained |
| Sep 15, 2026 | Prepaid & gift cards | Problem getting a card or closing an accountTrouble closing card | Explained |
| Sep 14, 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 Perpay
How many complaints does Perpay have?
Perpay has 300 complaints on record since February 2024, including 200 in the last 12 months and 1 in the last 30 days. That makes it number 335 of every company by complaints this year.
Does Perpay respond to complaints?
Yes. Perpay 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 45/100 (grade D).
What do people complain about most with Perpay?
The most common problems are incorrect information on your report (101), attempts to collect debt not owed (36), problem with a company's investigation into an existing problem (27).
Is Perpay legit?
Perpay is a real company with a public complaint record: consumers have complained about it 300 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Perpay legit? for the signals, red flags and how to protect yourself.
Are complaints about Perpay going up or down?
Up. There were 200 complaints in the last 12 months against 77 in the 12 before (+160%). See every month.
How do I file a complaint against Perpay?
Complain to Perpay 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 Perpay complaints come from?
Most come from Texas (55), Georgia (27), Florida (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 Perpay
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