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 |
|---|---|---|---|
| Jan 5, 2026 | Credit reporting | Improper use of your reportReceived unsolicited financial product or insurance offers after opting out | Explained |
| Jan 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 3, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 2, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 28, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 27, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 27, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 23, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Dec 22, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Dec 22, 2025 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
| Dec 18, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 17, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Dec 15, 2025 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Money back |
| Dec 14, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 13, 2025 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Dec 13, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Dec 11, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 7, 2025 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Dec 3, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 29, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 29, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 26, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 26, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 25, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 24, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 23, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Nov 21, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 19, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 17, 2025 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| Nov 17, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | 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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