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 |
|---|---|---|---|
| Feb 5, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 27, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 22, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 18, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Jan 18, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Jan 13, 2026 | Credit reporting | Problem with fraud alerts or security freezes | Fixed |
| Jan 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 28, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 25, 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 14, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Dec 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Nov 29, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 21, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 16, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 13, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 29, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 29, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Oct 11, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 6, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 20, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Sep 9, 2025 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Aug 26, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 25, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 24, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 19, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Aug 7, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Aug 6, 2025 | 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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