Credit bureau · complaint record
Sierra complaints
Filed under Sierra Holdings LLC
Consumers have filed 120 complaints about Sierra since 2014, 2 of them in the last 12 months. It answered 0% on time and closed 5% 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
- 120
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 5%
- Last 30 days
- 0
- Rank
- #342 of 566
Since January 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 7, 2026
Most complained-about credit bureaus & report companies
Sierra complaints by month
The busiest month was June 2018 (6 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Sierra answered all time
- Closed with monetary relief10.8%
- Closed with non-monetary relief43.3%
- Closed with explanation8974.2%
- Untimely response2621.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Sierra complaints are about
Top Sierra problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 24
- Reporting company used your report improperly 1
- Report provided to employer without your written authorization 1
Where Sierra complaints come from
Most complaints: Texas (28), Illinois (11), Georgia (8), Pennsylvania (8), Missouri (7).
Sierra 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 | SierraCredit reporting | - | 2 | - |
Compare side by side: Sierra vs Apple Financing · Sierra vs Nav Technologies · Sierra vs Opportunity Fund · Sierra vs Heritage Financial Group
What people say about Sierra
All experiencesNo experiences with Sierra yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Sierra complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 7, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | No timely reply |
| Sep 2, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Oct 18, 2025 | Auto loans & leases | RepossessionVoluntary repossession | No timely reply |
| Sep 19, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Aug 31, 2024 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Jul 2, 2024 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | No timely reply |
| Jan 11, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Sep 24, 2023 | Auto loans & leases | Credit monitoring or identity theft protection servicesProblem with product or service terms changing | No timely reply |
| Nov 5, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Oct 3, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Nov 16, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Oct 8, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
Questions about Sierra
How many complaints does Sierra have?
Sierra has 120 complaints on record since January 2014, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Sierra respond to complaints?
Yes. Sierra answered 0% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Sierra?
The most common problems are incorrect information on your report (9), took or threatened to take negative or legal action (1), improper use of your report (26).
Is Sierra legit?
Sierra is a real company with a public complaint record: consumers have complained about it 120 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Sierra legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Sierra?
Complain to Sierra 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 Sierra complaints come from?
Most come from Texas (28), Illinois (11), Georgia (8). 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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