Credit bureau · complaint record
SettlementOne complaints
Filed under SettlementOne, LLC
Consumers have filed 33 complaints about SettlementOne since 2023, 8 of them in the last 12 months. It answered 0% 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
- 33
- Last 12 months
- 8
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #215 of 566
Since December 2023
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jul 9, 2026
Most complained-about credit bureaus & report companies
SettlementOne complaints by month
The busiest month was December 2023 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How SettlementOne answered all time
- Closed with explanation2060.6%
- Untimely response1339.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What SettlementOne complaints are about
Top SettlementOne problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 14
- Reporting company used your report improperly 6
Where SettlementOne complaints come from
Most complaints: California (8), Texas (5), Illinois (4), Florida (3), Pennsylvania (2).
SettlementOne 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 | SettlementOneCredit reporting | - | 8 | - |
Compare side by side: SettlementOne vs Apple Financing · SettlementOne vs Nav Technologies · SettlementOne vs Opportunity Fund · SettlementOne vs Heritage Financial Group
What people say about SettlementOne
All experiencesNo experiences with SettlementOne yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest SettlementOne complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | No timely reply |
| Jul 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jul 7, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | No timely reply |
| Jun 21, 2026 | Credit cards | Problem with fraud alerts or security freezes | No timely reply |
| Apr 21, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageTrying to communicate with the company to fix an issue with the application process | No timely reply |
| Mar 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Mar 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Jan 26, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Nov 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Oct 10, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Aug 26, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Jul 16, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
Questions about SettlementOne
How many complaints does SettlementOne have?
SettlementOne has 33 complaints on record since December 2023, including 8 in the last 12 months and 0 in the last 30 days. That makes it number 1,571 of every company by complaints this year.
Does SettlementOne respond to complaints?
Yes. SettlementOne answered 0% 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 SettlementOne?
The most common problems are incorrect information on your report (7), problem with a company's investigation into an existing problem (2), improper use of your report (20).
Is SettlementOne legit?
SettlementOne is a real company with a public complaint record: consumers have complained about it 33 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is SettlementOne legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against SettlementOne?
Complain to SettlementOne 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 SettlementOne complaints come from?
Most come from California (8), Texas (5), Illinois (4). 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
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