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 13, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Feb 11, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Feb 10, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Feb 1, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jan 11, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 8, 2025 | Credit reporting | Problem with a company's investigation into an existing issueWas not notified of investigation status or results | Explained |
| Jan 4, 2025 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Fixed |
| Dec 22, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 20, 2024 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Dec 4, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Nov 23, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Nov 21, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Nov 21, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 11, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Nov 6, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Oct 19, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Oct 2, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Sep 11, 2024 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 5, 2024 | Credit reporting | Problem with a company's investigation into an existing issueWas not notified of investigation status or results | Explained |
| Sep 4, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Aug 31, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 27, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 24, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 10, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 2, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 2, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 25, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| May 13, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 6, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 6, 2024 | Credit reporting | Incorrect information on your reportAccount status incorrect | Fixed |
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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