Improper use of my credit report

5.6K consumer complaints across 140 companies

This page tracks consumer complaints about "Improper use of my credit report" filed with the CFPB. 5,579 complaints mention this issue across 140 companies. The most affected product category is "Credit reporting".

5.6K
Total Complaints
140
Companies
Credit reporting
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Experian Information Solutions Inc. 1.8K
2 Equifax, Inc. 1.7K
3 Transunion Intermediate Holdings, Inc. 1.5K
4 Corelogic Inc 97
5 Clarity Services 45
6 Innovis 35
7 Capital One Financial Corporation 33
8 Fidelity National Information Services, Inc. (FNIS) 33
9 LexisNexis 26
10 Citibank, N.a. 20
11 Credit Karma, LLC 19
12 Credit Plus Inc 17
13 Factual Data Corp. 14
14 JPMorgan Chase & Co. 13
15 Synchrony Financial 13
16 Wells Fargo & Company 13
17 Sterling Infosystems Inc. 11
18 Bank of America, National Association 10
19 Santander Consumer USA Holdings Inc. 10
20 American Express Company 9
21 First Advantage Corporation 9
22 Exeter Finance, LLC. 8
23 Onemain Financial Holdings, LLC. 6
24 Rocket Mortgage, LLC 6
25 Discover Bank 6
26 HireRight Solutions, Inc. 6
27 Credit Technologies, Inc. 5
28 Barclays Bank Delaware 5
29 Early Warning Services, LLC 5
30 First Data Corporation 5
31 U.S. Bancorp 5
32 PNC Bank N.A. 4
33 Ally Financial Inc. 4
34 Suntrust Banks, Inc. 4
35 MicroBilt / PRBC (formerly CL Verify) 4
36 NCB Management Services Inc. 3
37 General Motors Financial Company, Inc. 3
38 BB&T Corporation 3
39 General Information Services, Inc 3
40 Portfolio Recovery Associates, LLC 3
41 William D. Meeker Enterprises, Inc. 3
42 Encore Capital Group Inc. 2
43 Dynamic Recovery Solutions, LLC 2
44 CarFinance Capital LLC, Irvine, CA Branch 2
45 Risecredit, LLC 2
46 Community Choice Financial, Inc. 2
47 Quick Bridge Funding, LLC 2
48 FC HoldCo LLC 2
49 TD Bank Us Holding Company 2
50 American Lending Solutions, LLC 2

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Improper use of my credit report" Complaints

The CFPB public record contains 5,579 consumer complaints tagged with the issue "Improper use of my credit report", distributed across 140 distinct companies that have been named as the respondent on at least one filing. That mid-range spread suggests the issue recurs across a meaningful slice of the market without being universal, worth checking whether it clusters inside one product category or one business model.

The most common product category where "Improper use of my credit report" is raised is "Credit reporting". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Improper use of my credit report" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Improper use of my credit report", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on 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.