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 |
|---|---|---|---|
| Dec 16, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Dec 4, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 30, 2025 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Nov 28, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 25, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 11, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 19, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 8, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Sep 28, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 10, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 17, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 20, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 28, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 2, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 25, 2025 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Apr 24, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 23, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Apr 22, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 24, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 2, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Feb 10, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Feb 6, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jan 26, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 3, 2025 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Dec 19, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 8, 2024 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
| Sep 30, 2024 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 21, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 15, 2024 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Mar 10, 2024 | 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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