CFPB · Mid-pack issue profile

Improper use of my credit report

5.6K CFPB complaints · 140 companies · top product Credit reporting.

5.6K CFPB complaints

"Improper use of my credit report" has 5.6K consumer complaints in the CFPB public database across 140 companies (ranks #77 of 178 by volume among indexed issue categories). Most common product: Credit reporting. Allegations, not regulatory findings.

  • Volume rank #77 of 178
  • Experian Information So… 32.3% of filings
  • Data updated June 2026
  • Mid-pack issue profile
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

What the CFPB record shows for "Improper use of my credit report"

"Improper use of my credit report" is tagged on 5,579 consumer complaints across 140 companies. No single company exceeds 32.3% of these filings.

The most common product category where "Improper use of my credit report" is raised is "Credit reporting". Use company profiles to see relief and timely-response rates on the firms named most often. Consumer wording drives the label, not a regulatory finding. See methodology for how CFPB complaint routing works.

Disclaimer: CFPB public records only. A complaint is an allegation, not proof of wrongdoing. PlainComplaint does not provide financial advice.

Data sourced from official public datasets for "Improper use of my credit report" (#77 of 178; 140 companies). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack issue profile