Credit reporting
Universal Acceptance credit reporting complaints
Consumers have filed 121 complaints about Universal Acceptance's credit reporting, 35 in the last 12 months (+75%). Universal Acceptance answered 100% on time and closed 0% with relief. See the whole Universal Acceptance record.
Universal Acceptance 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 | Universal Acceptance | 35 | 100% | 0% |
Latest Universal Acceptance credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 26, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 22, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 31, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 31, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 27, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 4, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 25, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 12, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| May 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Apr 26, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Apr 23, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Apr 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Mar 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 28, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Feb 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Feb 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 1, 2026 | Credit reporting | Incorrect information on your reportInformation is incorrect | Explained |
| Jan 27, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jan 19, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 11, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jan 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 27, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 24, 2025 | Credit reporting | Incorrect information on your reportAccount status 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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