Accurate Background
299 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Accurate Background complaint mix by product
- Credit reporting, 159 53.2% – 47% relief
- Credit reporting 115 38.5% – 28% relief
- Credit reporting 24 8.0% – 54% relief
- Consumer Loan 1 0.3% – 0% relief
How Accurate Background's 299 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 159 |
| Credit reporting or other personal consumer reports | 115 |
| Credit reporting | 24 |
| Consumer Loan | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 52 |
| IL | 23 |
| TX | 16 |
| PA | 15 |
| FL | 14 |
| GA | 14 |
| NC | 13 |
| WA | 12 |
| OH | 12 |
| NY | 11 |
| MD | 10 |
| MI | 9 |
| AZ | 8 |
| TN | 7 |
| CO | 7 |
| AL | 6 |
| OR | 6 |
| NJ | 6 |
| IN | 5 |
| MN | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 190 |
| Problem with a company's investigation into an existing issue | 47 |
| Improper use of your report | 28 |
| Incorrect information on credit report | 18 |
| Credit reporting company's investigation | 5 |
| Identity theft protection or other monitoring services | 4 |
| Unable to get your credit report or credit score | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Improper use of my credit report | 1 |
| Taking out the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 5 | 100% |
| 2015 | 8 | 62.5% |
| 2016 | 5 | 80% |
| 2017 | 28 | 92.9% |
| 2018 | 29 | 86.2% |
| 2019 | 20 | 85% |
| 2020 | 22 | 72.7% |
| 2021 | 29 | 100% |
| 2022 | 24 | 70.8% |
| 2023 | 26 | 76.9% |
| 2024 | 18 | 77.8% |
| 2025 | 49 | 83.7% |
| 2026 | 36 | 88.9% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Accurate Background
Accurate Background's 299 logged complaints stay concentrated: only 39 states show a filing on record. Only 39.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2014 through 2026-06-25.
Accurate Background answers 83.9% of complaints inside the CFPB's tracked window and closes 53.8% with a written explanation. 39.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Accurate Background.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Accurate Background have?
299, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Accurate Background respond to complaints on time?
83.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Accurate Background?
"Incorrect information on your report", filed under the "Credit reporting, credit repair services, or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.