Credit reporting
Transform Credit credit reporting complaints
Consumers have filed 182 complaints about Transform Credit's credit reporting, 77 in the last 12 months (+38%). Transform Credit answered 100% on time and closed 12% with relief. See the whole Transform Credit record.
Transform Credit 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 | Transform Credit | 77 | 100% | 12% |
Latest Transform Credit credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 7, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 7, 2026 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 19, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 19, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 14, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 24, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 17, 2026 | Credit reporting | Unable to get your credit report or credit scoreOther problem getting your report or credit score | Explained |
| Sep 15, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Sep 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 26, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 20, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 17, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 10, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 5, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 27, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 23, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 21, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 12, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 9, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesProblem with product or service terms changing | Explained |
| Jun 23, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | Explained |
| Jun 18, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | 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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