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 |
|---|---|---|---|
| Aug 4, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 2, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Aug 1, 2025 | Credit reporting | Improper use of your reportReceived unsolicited financial product or insurance offers after opting out | Fixed |
| Jul 30, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Jul 15, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 10, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Jul 9, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 2, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 27, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Jun 15, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Jun 5, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Jun 4, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 20, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 6, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 2, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Apr 30, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Apr 25, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Apr 22, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Apr 18, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Apr 15, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Apr 10, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Apr 10, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Fixed |
| Mar 30, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Mar 21, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Mar 12, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Mar 7, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Mar 5, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Feb 25, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Feb 19, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Feb 15, 2025 | 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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