Key findings

Complaints keep climbing. 4,983,998 credit reporting complaints from January 1 to September 30, 2026, up from 3,437,594 in the same period of 2025 (+45%).
The three bureaus draw almost all of them. Equifax, Experian and TransUnion account for 4,799,226 complaints, 96.3% of the total.
Most complaints say the report is wrong. "Incorrect information on your report" is the top issue, named in 2,969,813 complaints (59.6%).
Almost none end with money back. Companies reported closing 725 complaints with monetary relief (0.015%). 3,247,854 (65.2%) were closed with an explanation only.
TX leads the country with 827,283 complaints, followed by FL (722,071) and CA (447,373).
Background check and tenant screening complaints: 15,888 complaints were filed about "other personal consumer reports," the category that covers employment and tenant screening, check-writing and specialty reports.

Complaints against Equifax, Experian and TransUnion

Company	January 1 to September 30, 2026	Same period 2025	Change
TransUnion	1,767,362	1,115,541	+58%
Equifax	1,524,203	1,166,395	+31%
Experian	1,507,661	982,247	+53%

The CFPB sends each complaint to the company and publishes the company's response. A complaint is the consumer's description of a problem. The CFPB does not verify every claim, and a high count is not by itself proof that a company broke the law.

Other companies with the most credit reporting complaints

After the three bureaus, these companies drew the most complaints in the credit reporting category from January 1 to September 30, 2026. Many are lenders and collectors that furnish information to the bureaus. When a consumer disputes their information through a bureau, the Fair Credit Reporting Act requires them to investigate (15 U.S.C. § 1681s-2(b)).

#	Company (as named by the CFPB)	Complaints
1	LexisNexis	28,734
2	CBC Companies, Inc.	17,604
3	Capital One	8,301
4	Fidelity National Information Services, Inc. (FNIS)	5,429
5	Resurgent Capital Services	4,581
6	CL Holdings LLC	3,621
7	Chase	3,519
8	Early Warning Services	3,511
9	Bank of America	3,504
10	Citibank	3,451
11	ENCORE CAPITAL GROUP INC.	2,821
12	Portfolio Recovery Associates, LLC	2,766
13	Synchrony	2,738
14	Wells Fargo	2,667
15	Bread Financial Holdings, Inc.	2,442

Background check, tenant screening and specialty report complaints

The CFPB files complaints about employment background checks, tenant screening, check-writing and other specialty reports under "other personal consumer report." From January 1 to September 30, 2026, it received 15,888 of these, compared with 18,094 in all of 2025. The bureaus appear here too because they sell specialty and rental reports. The other companies with the most complaints:

#	Company (as named by the CFPB)	Complaints
1	LexisNexis	895
2	Fidelity National Information Services, Inc. (FNIS)	458
3	Checkr	386
4	Early Warning Services	364
5	First Advantage	317
6	National Credit Systems	122
7	Contemporary Information Corp. (CIC)	120
8	HireRight	106
9	Capital One	99
10	Bank of America	90
11	One Source Technology (Asurint)	67
12	Entrata	62
13	Resurgent Capital Services	61
14	Chase	60
15	CBC Companies, Inc.	58

What consumers complain about

Issue	Complaints	Share
Incorrect information on your report	2,969,813	59.6%
Improper use of your report	1,022,196	20.5%
Problem with a company's investigation into an existing problem	951,197	19.1%
Problem with fraud alerts or security freezes	16,204	0.3%
Unable to get your credit report or credit score	14,368	0.3%
Credit monitoring or identity theft protection services	5,465	0.1%
Problem with a company's investigation into an existing issue	4,359	0.087%
Identity theft protection or other monitoring services	396	0.008%

How companies closed these complaints

Company response	Complaints	Share
Closed with explanation	3,247,854	65.2%
Closed with non-monetary relief	1,554,156	31.2%
In progress	177,823	3.6%
Untimely response	3,440	0.069%
Closed with monetary relief	725	0.015%

"Non-monetary relief" can mean a correction to the report. 1,554,156 complaints (31.2%) were closed that way. Monetary relief was reported in 725. A CFPB complaint is not a lawsuit, and it cannot award damages. If an error cost you a loan, a job or an apartment, the FCRA lets you sue for actual damages, and for statutory and punitive damages if the violation was willful (15 U.S.C. §§ 1681n, 1681o).

States with the most credit reporting complaints

#	State	Complaints
1	TX	827,283
2	FL	722,071
3	CA	447,373
4	GA	370,481
5	NY	249,749
6	IL	212,700
7	NC	177,020
8	PA	162,326
9	AL	155,125
10	NJ	142,951
11	MS	141,415
12	SC	133,389
13	LA	131,707
14	MD	108,009
15	MI	92,913

Counts are by the state the consumer gave. They are raw totals, not adjusted for population.

Methodology

Source: the CFPB Consumer Complaint Database, queried through its public API on November 3, 2026.
Scope: complaints with the product "Credit reporting or other personal consumer reports," received from January 1, 2026 to September 30, 2026, compared with January 1, 2025 to September 30, 2025. The screening table uses the sub-product "Other personal consumer report."
Company names are as the CFPB lists them. Some are parent companies. We link our guide where we have one.
Limits: the CFPB publishes complaints after the company responds or after 15 days, so recent counts can rise as complaints are added. Complaints are not a statistical sample, and the CFPB does not verify every fact. Some complaints are filed by third parties on a consumer's behalf.
Updates: we refresh this page after each calendar quarter.

Reporters and researchers may use these figures with a link to this page. The exact API queries are listed below.

API queries

Is something wrong on your report?

Start with a written dispute to each company reporting the error. See how to dispute credit report errors or build a letter with our free dispute letter builder. If the error stays after you dispute it, FCRA Attorneys offers a free case review. No fee unless we win.

Credit Reporting Complaints in 2026: What the CFPB Data Shows