Credit reporting
SoFi credit reporting complaints
Consumers have filed 462 complaints about SoFi's credit reporting, 210 in the last 12 months (+28%). SoFi answered 100% on time and closed 4% with relief. See the whole SoFi record.
SoFi 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 | SoFi | 210 | 100% | 4% |
Latest SoFi credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 10, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Jul 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Jul 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 3, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 1, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 26, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 22, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 18, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Jun 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 17, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 1, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| May 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 27, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 18, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| May 14, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 12, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | 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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