Credit reporting
Scratch Financial credit reporting complaints
Consumers have filed 28 complaints about Scratch Financial's credit reporting, 6 in the last 12 months. Scratch Financial answered 100% on time and closed 0% with relief. See the whole Scratch Financial record.
Scratch Financial against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Scratch Financial | 6 | 100% | 0% |
Latest Scratch Financial credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jan 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Dec 2, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 25, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 19, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 14, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 25, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 31, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 10, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 27, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Apr 30, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 12, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 15, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 19, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 13, 2024 | Credit reporting | Incorrect information on your reportAccount status incorrect | Fixed |
| Feb 5, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 19, 2023 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 21, 2023 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 16, 2023 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 2, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 16, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 16, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Nov 22, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 11, 2021 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 29, 2020 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 16, 2020 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 16, 2020 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
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
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