Credit bureau · complaint record
Reference Services complaints
Filed under Reference Services, Inc.
Consumers have filed 2 complaints about Reference Services since 2024, none in the last 12 months. It answered 100% 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
- 2
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since June 2024
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Aug 6, 2025
Reference Services complaints by month
The busiest month was June 2024 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Reference Services answered all time
- Closed with explanation2100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Reference Services problems
Inside "Incorrect information on your report"
- Public record information inaccurate 2
Reference Services 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 | Reference ServicesCredit reporting | - | 0 | - |
Compare side by side: Reference Services vs Apple Financing · Reference Services vs Nav Technologies · Reference Services vs Opportunity Fund · Reference Services vs Heritage Financial Group
What people say about Reference Services
All experiencesNo experiences with Reference Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Reference Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 6, 2025 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
| Jun 21, 2024 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
Questions about Reference Services
How many complaints does Reference Services have?
Reference Services has 2 complaints on record since June 2024, including 0 in the last 12 months and 0 in the last 30 days.
Does Reference Services respond to complaints?
Yes. Reference Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Reference Services?
The most common problems are incorrect information on your report (2).
Is Reference Services legit?
Reference Services is a real company with a public complaint record: consumers have complained about it 2 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Reference Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Reference Services?
Complain to Reference Services 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 Reference Services complaints come from?
Most come from Mississippi (1), Virginia (1). 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 Reference Services
No comments yet. Start the conversation - questions are welcome too.