Credit reporting
Universal Payment credit reporting complaints
Consumers have filed 33 complaints about Universal Payment's credit reporting, 7 in the last 12 months. Universal Payment answered 0% on time and closed - with relief. See the whole Universal Payment record.
Universal Payment 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 Payment | 7 | 0% | - |
Latest Universal Payment credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Feb 26, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | No timely reply |
| Feb 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jan 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Jan 10, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | No timely reply |
| Dec 29, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Dec 17, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Sep 9, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Sep 9, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Aug 5, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 14, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | No timely reply |
| Jun 26, 2025 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | No timely reply |
| May 19, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Mar 26, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Aug 30, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Aug 28, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Aug 3, 2024 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | No timely reply |
| Jul 22, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Jun 6, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Oct 26, 2023 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Aug 28, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Aug 6, 2023 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 18, 2023 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 8, 2023 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Jun 15, 2023 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Mar 7, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| May 20, 2022 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Feb 1, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jan 8, 2022 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Jan 7, 2022 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
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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