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Now accepting credit reporting complaints


In the past year we have taken big steps toward making consumer financial markets work better for consumers and responsible companies, and consumer complaints have played a major role. We began with credit card complaints in July of 2011, and as time passed, we added complaints about mortgages, bank accounts and services, private student loans, vehicle, and other consumer loans.

We are proud to announce that, starting today, we are accepting complaints about credit reports.

Credit reporting touches the financial lives of nearly each and every American. Credit reports affect whether or not you are able to get a credit card, a home loan, an auto loan, or a student loan, the ability to rent an apartment or get hired, and even tasks as simple as getting a cell phone or electricity for your home. It also can affect how affordable or expensive those things are for you.

Starting today, we can help consumers with individual-level complaint assistance on issues with their credit report. The types of complaints we can work on include:

  • Incorrect information on a credit report
  • A consumer reporting agency’s investigation
  • Improper use of a credit report,
  • Being unable to get a copy of a credit score or file, and
  • Problems with credit monitoring or identify protection services.

Before you file

If you believe that there’s incorrect information on your credit report, or if you have an issue with a credit reporting company’s investigation start by filing a dispute and getting a response directly from the credit reporting company itself.

There are important consumer rights guaranteed by federal consumer financial law that are best preserved by you first going through the credit reporting company’s complaint process.

After you file a complaint with the credit reporting company, if you are dissatisfied with the resolution, file a complaint with us.

Every complaint we receive helps us understand the challenges facing consumers, and they inform and shape our priorities. Reading your complaints about credit reporting will complement work we have already started in this area, including conducting a study comparing credit scores sold to creditors and those sold to consumers and beginning to supervise of consumer reporting agencies.

Scott Pluta is the Assistant Director for the Office of Consumer Response at the Consumer Financial Protection Bureau.

  • Big bank victim

    Your agency is incompetent

  • Carol Ann

    How often do mortgage companies have to report the credit status of borrowers to the credit bureaus?

  • W. W. Alston

    The most terrifying words in the English language are: I’m from the government and I’m here to help.
    Ronald Reagan

    • Anonymous

      Nothing compared to hearing the name “Ronald Reagan” again. Let us rest in peace!

  • Confused

    What kind of resolution can we expect if we are dissatisfied with the result that the credit reporting company provides? Are you going to open an investigation with my creditor?

  • Dee Williams

    Where are the whistle blowers from credit card companies, credit reporting agencies and banks. It is amazing we get nothing from the other side.

  • Dee Williams

    Credit reporting agencies gather information about me, post what the credit card and financial institutions tell them to, decide what my credit score is and that determines the interest rate the financial institutions charge me. The only recourse the consumer has is to post a comment on their credit file. I am certain that comment does not raise the credit scores. Are these one sided credit scores legal?

  • Vigilantis

    When is the E-Oscar system going to be investigated for being fraudulent and in violation of the FCRA?

The CFPB blog aims to facilitate conversations about our work. We want your comments to drive this conversation. Please be courteous, constructive, and on-topic. To help make the conversation productive, we encourage you to read our comment policy before posting. Comments on any post remain open for seven days from the date it was posted.