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 |
|---|---|---|---|
| Apr 6, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Apr 5, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Apr 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 3, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 29, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 25, 2026 | Credit reporting | Problem with a company's investigation into an existing issueWas not notified of investigation status or results | Explained |
| Mar 19, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 19, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 17, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Mar 16, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 16, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 15, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 14, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 7, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Mar 7, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection service | Explained |
| Mar 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Mar 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 26, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 21, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 20, 2026 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
| Feb 16, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Money back |
| Feb 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 13, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Feb 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Feb 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 8, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | 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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